BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: World Acceptance Corporation
State: AL
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2022-12-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a XXXX party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, Transworld Systems inc has sent me a debt collection notice for a debt stating I owe XXXX that I do not owe XXXX XXXX. I have spoken with XXXX XXXX and the Customer Service person did not find any such debt. The amount for collections reminded me that the amount asked for is simular to the amount I asked XXXX to help me pay. I was refused XXXX assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX  ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to the creditor multiple times and never received a response regarding the debt being reported by them on my credit report. The credit bureaus have validated the debt but no one is providing me the debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: MOHELA
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 be Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 It also states A consumer reporting agency Can Not furnish A account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently view my credit report and saw a unauthorized credit inquiry in my credit profile made on XX/XX/2022 by XXXX XXXX and i will like to have this remove immediately

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 2023-10-10
Company: EQUIFAX, INC.
State: NY
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:
I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX  Balance : {$23000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A law firm called XXXX XXXX XXXX have been calling using a third party company that provides legal notifications and provided a case number and phone number to contact XXXX. Once I called the provided a false Social, with a prior last name I had and an old address of about 15 years ago. Starting there was a credit card debt under my social with Capital One. Once I contacted Capital one the account was real but with all incorrect information and a product of identity theft. Case opened through Capital one and once I contacted the Law firm to advised them a case was opened they asked for my current address to send me an official dispute form. Representative became highly unprofessional when I refused to provide the address and would not provide the address for the Law Firm and was disconnected. Second rep also was upset and stated she knew my case and I had listened to our 10 minute call while I was on hold with them for 3 mins. She stated I was not a customer and I did not need to receive customer service and to do what I like. Refused to provide the address for the Law Firm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
we asked Wells Fargo Bank to see if they could work with us on a mortgage modification while we passed some hard times, after hurricane Harvey.  They agreed. We started to send all information, they called back and we send them more, and more.By then we were 2 months, and other Wells Fargo persons started calling. Meanwhile the other people still kept asking for mire info, I sat with one and we went over 2 months, explaining in detail how money was spend and were it came from. Still they keep asking to resend more paper work, but will not say will help or not. We believe that Wells Fargo is not acting in good faith. 














































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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 2023-09-13
Company: Experian Information Solutions Inc.
State: MO
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-12-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been trying to have Experian update my Name and address to be accurate but they refused to update it after my attempts. My tracking numbers are XXXX and XXXX. 

Experian refused to correct information after being provided proof. 

They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) - says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: KY
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:
This account was never paid in a settlement, the account has no late payments or missed payments. the bank has been working close with me as on their end they do not even have the accounted reported to experian ( i have enclosed this ) and they advised me to file this complaint as they are not even getting the disputes i have filed thru experian. the bankers name who handles this information is named XXXX XXXX & her number is XXXX, she is been with XXXX bank ( now first bank ) since my loan & worked directly with my loan from the beginning. this information is reporting negatively on my report and hurting me greatly .this lets me know experian is not properly handling my disputes, i have attached what the bank is showing on their end that THEY ARE REPORTING to experian which is nothing, this needs to be corrected as i been fighting this since XX/XX/2020 and experian is not doing their part to report correct information on my behalf.

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 2021-07-21
Company: Experian Information Solutions Inc.
State: IL
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:
I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX  and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.

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 2023-05-25
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: AES/PHEAA
State: AP
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX/XXXX/XXXX Direct Sub Stafford Loan Repayment {$8000.00} XXXX/XXXX/XXXX Direct Unsub Stafford Loan Repayment {$2400.00} XXXX/XXXX/XXXX Direct Sub Stafford Loan Repayment {$8200.00} XXXX/XXXX/XXXX Direct Unsub Stafford Loan Repayment {$2500.00} XXXX/XXXX/XXXX Federal Stafford Loan Repayment {$5100.00} XXXX/XXXX/XXXX Federal Unsub Stafford Loan Repayment {$2000.00} XXXX/XXXX/XXXX Federal Stafford Loan Repayment {$2600.00} XXXX/XXXX/XXXX Federal Unsub Stafford Loan Repayment {$2300.00} This list is actually higher than when I started paying on my loans several years ago. To date I 've paid : Principal Paid : {$3300.00} Interest Paid : {$7600.00} Amount Paid : {$10000.00} I have made several attempts for an explanation. Contacting by phone is troublesome as I reside overseas ; both costly and timely. I have made two attempts at loan forgiveness ; as a public service worker ( XXXX ) and been found ineligible. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT : # XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : # 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 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 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 2022-05-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent Receivables LLC is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor to XXXX and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding Resurgent Receivables LLC reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX XXXXXXXX as the original creditor. XXXX removed the Resurgent Receivables LLC erroneous and inaccurate Collection account. 

I hereby further dispute Resurgent Receivables LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

Resurgent Receivables LLC is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
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:
Hello. I'm coming to you for assistance because I don't know what else to do anymore. I've been trying to get accounts deleted from my credit report for the last three months and the credit bureaus keep the accounts on the report. There should be no reason why these accounts should remain on the credit report since I have a deletion letter from the collection agency that these were supposed to be removed back on XX/XX/XXXX. This letter even has AUD deletion control numbers on it. 

I have contacted the credit bureaus myself and have submitted this letter as proof these accounts should be deleted. They still remain. We are now on XX/XX/2022, and these accounts are STILL on my reports. To make it even worse, they were deleted for a short period of time, and then reappear. I've called the collector to figure out what is going on, but they have submitted an AUD deletion request three times to the credit bureaus. At this point, I have no choice but to file this complaint through you otherwise I will have to file a complaint through my local small claims court. Please, please, please get the credit bureaus to do their jobs. We aren't in a pandemic anymore, so there is no excuse as to why this hasn't been done by now.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. WHOLE ACCOUNT REMOVED ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN/CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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. 

XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$2400.00}

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