BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Per 15 USC 1681e ( b ) - Accuracy of Report, credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' XXXX, TransUnion, and XXXX have CONSISTENTLY, PERSISTENTLY, and NEGLIGENTLY violate my federally protected rights under this code and violate my rights under FDCPA, FCRA, UDAAP, and the state of California 's consumer protection laws by FAILING to provide MAXIMUM ACCURACY on my consumer credit report AND credit file. Since XXXX and more aggressively since XXXX, I have been fighting for my rights to ensure that BOTH my consumer credit report and credit file reflect the maximum accuracy with XXXX, TransUnion, and XXXX. To date, BOTH my consumer credit report AND credit file remain INACCURATE. The following information is INACCURATE specific to the addresses listed in my consumer credit report with XXXX and must be removed immediately : INACCURATE ADDRESS : XXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX, XXXX, NY XXXX. 
XXXX is the ONLY credit reporting agency that STILL lists these addresses on my consumer credit report. Thus these addresses MUST be REMOVED to assure maximum accuracy per 15 USC 1681e ( b ).

Per 15 USC 1681e ( b ), the following accounts remain INACCURATE as to the " balance ( s ) '' across all 3 consumer credit agencies : 1- XXXX/DEPT of ED ( inaccurate balance and/or missing the cents ) 2- DEPT of ED/XXXX  ( inaccurate balance ) 3- XXXX XXXX ( inaccurate balance and/or missing the cents ) 4- XXXX  XXXX ( inaccurate balance and/or missing the cents ) 5- XXXX ( Inaccurate balance ) 6- XXXX XXXX ( inaccurate balance and/or missing the cents ) 7XXXX ( inaccurate balance and/or missing the cents ) 8XXXX XXXX XXXX  ( inaccurate balance and/or missing the cents ) XXXX, TransUnion and XXXX MUST ensure " maximum accuracy '' and if they can not, the accounts must be DELETED/REMOVED. 

Due to XXXX, TransUnion, and XXXX 's FAILURE to provide ACCURATE consumer credit reports on my behalf, I have suffered damages by being refused credit BOTH personal consumer credit AND business credit. This has caused me GREAT FINANCIAL HARM as I am unable to obtain personal credit to help improve my quality of life and this has prevented me from obtaining business credit causing my business to remain without the credit needed to fund and successfully start my business. Thus, my livelihood has been negatively impacted and I am unable to obtain the credit needed to make payroll and cover operation expenses for my business.

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 2022-04-30
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have sent Santander Consumer USA a letter disputing things on my transaction with them. They have taken my car im a single father with XXXX XXXX and has put extreme adversity my life in hardship. I am an XXXX XXXX for XXXX XXXX and work hard to keep peoples lights on an it has made it hard to get to work on a daily basis an i know they have violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navy federal credit union has been reporting inaccurate information XXXX Go Rewards {$3500.00}. Cash rewards {$1500.00} to the credit .Stating that I am 30 days late on my credit card payments when there currently paid off and I have no debt established with the .I would like all false and inaccurate information removed as soon as possible .As it is hindering my credit tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge. I am asking that the credit reporting agencies XXXX, EQUIFAX, and XXXX conduct an investigation into inquiries that I believe to be incorrect on my credit report due to fraudulent activity or a data breach. I have heard of companies pulling peoples credit without permissible purpose. I will list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter or remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: WI
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:
I sent in my dispute letters via mail on XX/XX/2023 and I still haven't received a response, a status of the investigation or any results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between

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 2022-04-30
Company: Self Financial Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I signed up for a credit building loan of {$720.00} from Self Lender on XX/XX/2021. 
Due to being XXXX  with XXXX i missed the monthly payments of XXXX and XX/XX/2021. The payments were made 30 and 60 days late, resulting in my credit score dropping to XXXX. The loan has now been closed, and no money is owed to the lender. I have contacted Self Lender in regards to deleting the account off my credit report, so i have a chance at building up my credit again. They refuse to help me. From now on, i will have to struggle greatly with finding an apartment, or getting a new job within my line of work, for years because of circumstances out of my control. Therefore i ask you kindly to intervene in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Sentry Credit, Inc.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX for XXXX @ XXXX at XXXX XXXX XXXX XXXX , and Sentry Credit Sebit Collector. Live here since ( XXXX ), always paid my rent on time during my lease at this resident. I moved from this resident on XX/XX/XXXX and turned in keys with sign documents from Rental Office management, with proper documentation sign and date. Paid my rent for online XXXX Account and when I received a court notice for eviction after I had moved out stated that owned the amount of {$6200.00}. However, I was informed about the court letter after I had moved. But did appeared in court. Case was drop. In my account the amount was on XXXX online account had Overdue {$3700.00} which I had paid a large amount. XXXX XXXX, property Manager has been retaliating against me due to the mold I had in my apt . Before I had moved out paid my rent in full for XXXX XX/XX/XXXX, which had been paid in full which I had received final invoice with the amount of balance due {$4700.00}. Took my deposit amount {$500.00}. Which leave my balance in the amount of {$4200.00}. Which I made online payment with receipts in the amount of {$2100.00} another receipt with the amount of {$2100.00}. Since I lived at the resident several times my rent was out on another account. Then I would receive a notice of payment amount that I owned for my rent during COVID. Therefore I had go down to rental office and represent my receipts. XXXX XXXX, has been retaliating against me since I contact the XXXX Inspector and now that I had moved out he had send my debit to collection in the amount as show which I have receipts and bank statements rent was received. They send my information to Sentry Credit Debit Collector which I did provide my information of paid rent. Today, XX/XX/XXXX, I had contact them regarding my collection which I emailed them all necessary documents on XXXX, XXXX. 

XXXX at XXXX, had not responded to my disrupt for collection. XXXX XXXX need to be audit for the under handing methods that a manager has used to put this debit on my credit which I had filed bankruptcy in ( XXXX ). Charged me for not having rental insurance which I had since ( XXXX ). But yet my invoices need to be audit due to them sending this bill to the debit collection and for them texting me a message saying that I owe this debit. Never have this company any permission to txt my phone trying to collect a debit that I dont owe. IRS need to be involved with this XXXX XXXX for underhanded practices that shouldnt be allowed when I moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX  at XXXX 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.

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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
it is my belief that my information was used in an identity thief from my ex landlord when i was doing repairs on the house and his sister that was getting rent from me but was not reporting it to the Michigan department of human services. i informed them that i was going to expose the matter. i was removed from the home years ago and unfortunately some of my mail continued to be sent to that address. i reported the use of my information to XXXX that has reported this item on my credit report which is hurting my credit score as we speak. my id number with the ftc XXXX doing the Covid 19 relief funds they tried to get me to fill out forms to submit for non payment but i had receipts that i paid rent. most of the family has moved out of town or deceased. also this not being my loan i did in fact submit repayment because it coming in my name. Section 22750. ( a ) states if any amount other than, or in excess of, the charges permitted by this division is willfully charged, contracted for, or received, the contract of the loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction. ( b ) if any provision of this division is willfully violated in the making or collection of a loan, whether by license or by an unlicensed person subject to this division, the contract of loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction ( Amended by Stats 2013, ch 467, sec3.. ( SB 318 ) Effective XXXX 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 2019-11-19
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 - 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2021-03-08
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX account # XXXX was removed from my 3 reports on XX/XX/2020 and place back on XX/XX/2020.

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 2023-08-11
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:
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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
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: 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 these accounts 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 following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$460.00}, XXXX  XXXX Balance : {$1100.00}, XXXX  XXXX XXXX Balance : {$4000.00}, XXXX  XXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

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 2023-03-03
Company: EQUIFAX, INC.
State: GA
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:
I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have given you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I have not received any proof of the verification of these accounts. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a XXXX form files that you have not addressed. Attached below Also Under the XXXX XXXX of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. And you have reported such information which means fraud has been taken place Instructions for Borrower ( the company ) Certain lenders who acquire an interest in property that was security for a loan or who have reason to know that such property has been abandoned must provide you with this statement. You may have reportable income or loss because of such acquisition or abandonment. Gain or loss from an acquisition is generally measured by the difference between your adjusted basis in the property and the amount of your debt canceled in exchange for the property, or, if greater, the sale proceeds. If you abandoned the property, you may have income from the discharge of indebtedness in the amount of the unpaid balance of your canceled debt. The tax consequences of abandoning property depend on whether or not you were personally liable for the debt. Losses on acquisitions or abandonments of property held for personal use are not deductible. See Pub. 4681 for information about your tax consequences.

Property means any real property ( such as a personal residence ) ; any intangible property ; and tangible personal property that is held for investment or used in a trade or business.

If you borrowed money on this property with someone else, each of you should receive this statement.

Borrower 's identification number. For your protection, this form may show only the last four digits of your social security number ( SSN ), individual taxpayer identification number ( ITIN ), adoption taxpayer identification number ( ATIN ), or employer identification number ( EIN ). However, the issuer has reported your complete identification number to the IRS.

Account number. May show an account or other unique number the lender assigned to distinguish your account.

Company response to consumer: Closed with explanation