BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/1983 Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report from your company. I am emotionally distressed by the presence of these accounts, which have negatively impacted my credit score and have made it difficult for me to obtain credit. 

Firstly, I dispute the charge off account from XXXX  XXXX ( XXXX ) and the late payment account from XXXX  XXXX ( XXXX ). I believe that these accounts were not accurately reported and do not reflect my creditworthiness. Furthermore, I am requesting that these accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Secondly, I dispute the charge off account from XXXX XXXX XXXXXXXX ( XXXX ), the collection account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX ( XXXX ). I am unaware of these accounts and have not received any notification or correspondence regarding them. I am requesting that these accounts be investigated and removed from my credit report if they are found to be inaccurate or fraudulent. 

Thirdly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the late payment account from XXXX XXXX XXXX ), and the charge off account from XXXX ( XXXX ). I believe that these accounts were reported inaccurately and do not reflect my creditworthiness. I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

Lastly, I dispute the charge off account from XXXX ( XXXX ), the late payment account from XXXX ( XXXX ), the charge off account from XXXX  XXXX XXXX  ( XXXX ), and the charge off account from XXXX XXXX ( XXXX ). I believe that these accounts were reported inaccurately and I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 



I urge you to investigate these matters thoroughly and respond to me in writing with your findings. I am confident that these disputes can be resolved in a timely and fair manner in accordance with the law. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX   XXXX   XXXX   XXXX   c ontinues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
NAVY FEDERAL CREDIT UNION continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Experian Credit report includes personal contact information that is inaccurate. I am requesting that the contact information on my report be updated to only reflect the accurate information provided below and all other contact information be removed from the report. This request is to ensure my identity information is uniform and prevent any confusion for creditors or lenders. 

I have attached the formal Dispute Letter To Experian Credit Bureau and a copy of licence for verifcation purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Inaccurate information is being reported to my credit report, capital one is reporting that my wife account which Iam a secondary card holder is late since XX/XX/2023 which is inaccurate, we have made all payments on time. She has called several times and they capital one Walmart card also see that it being paid in time. The agents which I have recorded the conversation state that they also agree that the information is inaccurate and should be changed. They state they have forwarded my complaint to the capital one Walmart card supervisor. This now XX/XX/2023 and there is no change. Please help with this issue. They are hurting my credit report and me and causing me pain and suffering. Because there illegal actions I have been denied credit and accounts have been closed and interest have gone up on the other accounts. At this moment they are taking advantage of me and my wife and are retaliating against us for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX XXXX  Balance : {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Fraudulent accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Sentry Credit, Inc.
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In early XXXX my fiance, XXXX XXXX, and I received a notice from SentryCredit that we owed a debt of {$700.00} due to " rent charges '' that they claimed were never paid. They claimed these charges stemmed from a lease with XXXX XXXX in XXXX, Co, from XX/XX/XXXX - XX/XX/XXXX. Upon reviewing our lease termination documents, it was apparent that this " amount owed '' was the result of a clerical error, specifically, an incorrect move-out date listed for the unit. I contacted SentryCredit on XX/XX/XXXX to dispute this debt and highlight the error for them. At this time, they requested a ledger/balance sheet from XXXX in order to validate the debt. In several subsequent calls to SentryCredit, their representative informed me that they had validated the debt, but had never received any ledger from XXXX pertaining to our account. SentryCredit, to-date, has neither been able to explain how they were able to validate this " debt '' without having received any ledger from XXXX, nor have they provided us with any proof of debt or debt validation documentation. 

In the interim, I contacted the XXXX management office directly to ask them to review our account, and indeed, this " debt '' was the result of a clerical error ; not only did we not owe them any money, they owed us a balance remaining from our security deposit. The management office at XXXX corrected their ledger to reflect no past-due balance on our account and sent us a check for the amount they owed us. 

Since verifying with XXXX that this is not a valid debt, I have contacted SentryCredit multiple times to reiterate that XXXX has corrected the mistaken balance on their end. Each time I call, I am told the same thing : " I will let your case XXXX know ''. When I have followed up to ask if they have received a ledger from XXXX, the answer is always " No ''. When I ask if they have reached out to XXXX to request an updated ledger, the answer is always " no ''. 

As of now, SentryCredit, the collections agency contracted by XXXX is the only entity involved that claims we owe a balance. In the preceding 4 months, they have provided me with no validation of this debt, and they have made XXXX effort to follow up with XXXX for any sort of confirmation. We are now seeing major impacts to both of our credit scores ; my credit score has plunged XXXX points in the last month because SentryCredit refuses to follow up with XXXX to get a correct ledger, or any ledger for that matter. 

Attached below is a screenshot of the ledger, forwarded to me by XXXX 's resident XXXX, reflecting a negative account balance and that, we do not indeed " owe '' anything on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Barclays Bank Delaware has reported a late payment on XX/XX/21 which is a direct violation of the FCRA 15 US code 1666b Timing of Payments. '' A creditor may not treat a payment on a credit card account under a an open end consumer credit plan as late for any purpose ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items on my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Account Name Account Number XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation out come to be sent to my address I put on the from area. Thank you for your time and help in this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted disputed both verbal, written and electronic disputes. 

Even going as far as submitting disputes via regular mail on XX/XX/2023 and then again XX/XX/2023 after they claimed that they were able to verify certain items in my report. 

In both written requests, I requested documents confirming that these were my account as I believe they are fraudulent. TransUnion has never been able to provide me with any and only verifies them. I am seeking documentation from the creditors as requested in the attached disputes. 

I have also asked them update my information as my name, date of birth and address all seem to be incorrect on their report and could be adding to the many inaccuracies they are reporting. This request was submitted with both my current drivers license as form of ID & social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is reporting a debt in the amount of {$890.00} that is not mine. I've tried to get it removed numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I tried to close my Bank of America account on XX/XX/2023 but the Rep after thanking me for paying the account off, told me if I waited until the XXXX I would get additional rewards, therefore I did. When I called on the XXXX of XXXX I was told I owed {$26.00}. Paid off on the XXXX, but now I owed {$26.00} on the XXXX. No explanation and they would not remove them. They did pay the {$26.00} with my reward money and said they would immediately send the remaining rewards. Nearly XXXX months later and I have yet to receive them. It's been national news that Bank of America has been notorious for not paying rewards to their patrons. I've paid my credit card off, they've offered rewards and I feel I am entitled to the rewards they offered. I did send them a letter mid XXXX asking for this to happen again and never heard from them again. I can never get through on the phone. Any help is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Duncan Solutions, lnc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, In XX/XX/2020, the NJ XXXX toll collection system sent two tolls to the collection company, Professional Account Management. I provided the proof that the infractions were paid that same month via the XXXX payment system. These tolls were in my wifes name. 

On XX/XX/2020, they sent another collection notice to me, in my name, for the exact same toll violations, same number, same date, etc. The fact that I proved they were paid, and then they tried to go after me, who is not even on the account, but lives at the same address, is complete fraud. Never mind the tolls were paid from day 1 and should never been sent to collections. These tolls have been resolved by the original debtor as well. XXXX shows my account in good order with no late payments. 

Attached is the collection letter addressed to my wife, proof of previous payment and the recent collection attempt in my name.

Company response to consumer: Closed with explanation