BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX and XXXX XXXX has deleted from my credit since they went Bankrupt. This has affected my credit score were I was in good standing and score was in XXXX 's now it has lowered XXXX points. My lease contract is with XXXX XXXX XXXX and I feel they CAN NoT just erase that I have NEVER missed a payment or been late! I feel they have SCAMMED everyone that has gotten a vehicle from them. I worked to get my credit built up and now it.has been ripped away. I am in the process of speaking with a lawyer over the situation including this with my credit also. I do not see how this would be legal to just delete off someone's credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So I recently gained access to my credit report on XXXX  ( XX/XX/2019 ) and saw that my federal student loans were cited as being late. 

I gave myfedloan a call and said " this isn't right, I was unemployed after I got out of school, and for the past 6 months I've paid on time every month ''. They told me that they would put my account under forbearance, which you are eligible for if you are unemployed. I said, " that doesn't make sense because I'm working now, and I've been making payment for the past 6 months and wish to continue to do so. '' They told me that it was the only thing that would make my account current, and that since during the period before I started making payments I was unemployed, the forbearance would apply to that period ( the period before XX/XX/2019 ). 

I thought all was well and my status would be reversed on my credit report, but I checked my XXXX and XXXX reports again ( XX/XX/2019 ) and they still suggest that those months of " late or missed payments '' exist on the report. This is very upsetting after having been vindicated by myfedloan. 

The payments I've made over the past 6 months are triple the minimum ( {$150.00} instead of just {$50.00} ). I have never had a problem paying when I can. Myfedloan also just lowered my interest rates by 0.25 % because I signed up for automatic payments ( again, at triple the minimum ). I am not financially irresponsible as these erroneous reports make me out to be!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form 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 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 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Premier Student Loan Center
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This complaint is in regard to what is believed to be a scam company referenced as Premier Student Loan Center allegedly located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( likely a drop box ) with

various telephone numbers that appear to be local and web address www.premierstudentloancenter.com.
PSLC called me today at XXXX from XXXX ( XXXX   XXXX, TX ). After multiple disregarded calls from them, I answered this call. The lady asked for my name and how much I owe in Student Loans, then transferred me to another lady who was going to tell me all about the forgiveness program. 

Enjoying the amusement, I decided to listen up.

She again asked for my name and amount I owed. I informed her the lady gave her that information when she introduced the call, and I only want to know about the program. She said she would just make it up, I said OK. She then proceeded to explain the program to me and stated the Department of Education will pay my loan off through PSLC , take it back and lower my rate. I responded, first off, the Department of Education isn't paying off anything, they never have or will so let 's get that straight. She immediately started yelling to the top of her lungs, stating I work with loan forgiveness and you don't know what you're talking about, You are trying to tell me you know everything, I don't understand the point of this call if you refuse to let me talk. She paused for a second and I started laughing and asked why she was so upset, she then started up again, I'm not upset, I'm not yelling, you're yelling, then she put me on hold for 3 minutes and disconnected the call.

As comical as it may be to me, I'm fortunate to have a career where fraud is identified regularly, but others aren't so lucky. This company need to be shut down, sanctioned and fined for these illegal practices and taking advantage of misinformed and disadvantaged people!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00}

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/ a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued 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 2023-10-26
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2023-08-25
Company: CMK Investments Inc
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The investigation was unfairly investigated and laws was not acknowledged. 
Cmk has not provided any type of debt validation letter regarding this account. This creditor has not sent information or notified me with a letter of debt validation before reporting this information. 
By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. This creditor has not contacted me regarding this account. 
I never confirmed this account was mines. As a consumer I have rights to know whats being furnish on my credit report. I have not received no notice regarding this account. 
A consumer should be contacted first before any information is reported. selling or purchasing information without permission is illegal. I Never gave this company permission to access my credit profile or written instructions to furnish any information on my account. This company has not respected my consumer rights. I want this creditor removed from my credit report immediately. This information has been damaging to my reputation. They have failed to provide information regarding this account. They have not contacted me by mail or by phone. I have not been given a chance to confirm this account with a validation letter with information regarding this account before its reported. This should not be reported until consumer has knowledge of this account. Creditor is stating its been verified but without me involved nor without debt validation with basic information on the account an what's needed. This has been unfairly reported an investigated. Debt collectors are legally obligated to send you a debt validation an confirm ownership. Which is suppose to include my right to dispute. 

validation Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt valid. 
Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collector 's initial communication

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 follow-up request that I have been a victim of identity theft because no one seems to care that I want to dispute specific records in my credit file that do not belong to me, the items I am disputing have nothing to do with my transactions whatsoever. 

Please block these items : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX, LA 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 2019-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It's not my account. I didn't have this auto loan. I believe that somebody used my personal information to apply for it.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting 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:
Please remove hard inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 2023-12-20
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A credit card was open in my name and a flight was purchased. I immediately got notification and canceled the flight and opened up a fraud investigation. The fraud unit said that I was liable for the cost of the flight which I did not take. They never contacted me. They never provided me with any details about the purchase of flight time what time I canceled the card. They did not complete an investigation and continue to charge me.

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 2023-07-16
Company: EQUIFAX, INC.
State: TX
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Utah System of Higher Education
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
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:
On XX/XX/XXXX I had an appointment at Utah XXXX XXXX XXXX   XXXX ( XXXX ) in XXXX XXXX XXXX to discuss a repayment program, after 2 1/2 hours the person said she would run the numbers and get back with me but in the mean time be sure to make your {$50.00} payments. I never heard back from XXXX. On XX/XX/XXXX I sent an email to XXXX asking what was happening. I never heard back from them. On XX/XX/XXXX I emailed XXXX stating that my credit report was showing I had an " open '' credit account and that information was incorrect. On XX/XX/XXXX I received the first and only email stating that they reported the account closed as of XX/XX/XXXX and paid in full. XXXX reported the to credit bureau delinquent for XX/XX/XXXX, XX/XX/XXXX which is seriously affecting my credit. I followed through with what they told me to do, I paid {$50.00} every month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they still reported me delinquent. I finally had to refi with XXXX, and that too cost me. I would like my credit report updated and the delinquency taken off. I asked their office 2 weeks ago, they said they would not do that. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.

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 2023-08-25
Company: Frontline Asset Strategies, LLC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The Frontline Asset Strategies Collection agency woman called me on XX/XX/2023 at XXXX from an unknown number listed on my phone as " XXXX XXXX MI '' ( XXXX ) XXXX. The call was 7 minutes long. I did not know I was answering a call from a debt collector. The Frontline Asset Strategies Collection agency woman spoke very fast and forceful in voice tone regarding a debt with my name on it that is a debt between XXXX XXXX XXXX and XXXX that I have case and ticket numbers for in trying to resolve it over the last 15 months. She repeatedly told me the debt is my responsibility and those companies are not responsible and that I need to pay today. When I tried to explain my situation to her about not having any money or income to pay today she said " Well you need to get a job! '' I don't have a job because I care for my XXXX XXXX daughter. When I told her that information she disregarded my situation repeatedly asking me how and when I was going to pay. I attempted to explain to the woman that I would call the company XXXX XXXX XXXX that is responsible for this debt in an ongoing case. I offered my case and ticket numbers and she refused to take them telling me that the debt is my resposibility. The woman hung the phone up on me not allowing me to finish my explanation. Sadly how she talked to me and treated me made me cry as all my efforts I've made to resolve this debt for the last 15 months ; which is not my responsibility at all were disregarded. I think the woman said her name was XXXX but I could be wrong because she was speaking so fast and forceful. I'd like to call Frontline Asset Strategies Collection agency and ask for the woman 's name but I am afraid to call Frontline Asset Strategies because I don't want any trouble or feelings of shame and fear again. I've never been spoken to like that before. I was in shock. My heart is broken hearing the Frontline Asset Strategies woman tell me to " get a job '' when my XXXX XXXX daughter is at stake here and this is a debt that is not mine. XXXX XXXX XXXX is responsible and it's been an ongoing struggle with them.

Company response to consumer: Closed with explanation