BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
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 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 2023-02-25
Company: EQUIFAX, INC.
State: NJ
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 sent a letter asking XXXX, XXXX and equifax to investigare my accounts. it has been over 30 days. these consumer reporting agencies are in violation. 

according to 15 usc 1681iXXXX, XXXX, and equifax have 30 days to investigare and send me the results. 
and they also didn't even record the current status of the disputed information which is another violation I have all the evidence attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 reached out to transunion and XXXX in regards to the unauthorized inquiries on my account. In the last month i have accumulated 64 hard inquiries on my transunion and 34 on my XXXX, someone is trying to get credit in my name and they are running it multiples of times and I am not happy about it at all.It is looking like im begging for credit and is looking BAD on my credit. I have a cash car, no need for me to be searching for credit. My car is a XXXX and very reliable, they even tried to get credit from my job which i can NOT do. 
Transunion has allowed the following to run my credit without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As for XXXX  they allowed the following to run my credit without my permission : XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3x XXXX XXXX XXXX XXXX XXXX XXXX 3X 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 explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: PA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-05-18
Company: Navient Solutions, LLC.
State: ID
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:
My son attended Univ of XXXX for 1 1/2 years in XX/XX/XXXX-XX/XX/XXXX. My Parent Plus loan is {$65000.00}. ( His

is {$10000.00}. ) He left that school for failure to provide a useful education. Navient agreed to wait until he graduated from the school he transferred to for payments from me. I am broke and on the verge of bankruptcy. I requested Income-based repayment or some plan that will defer the start of my payments. Navient sent some unintelligible documents to me -- seriously, I have no idea what they mean. The upshot is that my payments start now and are {$390.00} per month. I simply do not have the money and need a deferment. Navient seems unresponsive to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 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 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 2020-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020, a payment was made in the amount of {$150.00} inadvertently as the amount intended was XXXX ... ..This was not recognized until noticed that a late payment 30 days+ for {$3.00} was reported on XX/XX/XXXX ( on which date a payment of {$150.00} was also made ) 2020 ... ... I am unable to submit to the company as they do not have 24 hour customer service, nor online mailing, but I have been a client for years, and a payment was made withing 30 days. I understand this was a keying error and not recognizing this at entry time ( I have poor eyesight, and thought the amount was actually XXXX due, and that the XXXX would have been more that what was due in any event ). I am asking that the Creditor please review my account, and consider removing the late payment reported to the credit bureaus for the amount of {$3.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I hold Power of Attorney for my father ( mother deceased ) who is XXXX  years-old and has recently relocated to a XXXX XXXX XXXX ( XXXX ). I am trying to short sale the home with no profit to be gained and in order to get out from under the XXXX XXXX reverse mortgage loan. They wanted me to sign the house over and agree to incur various financial risks for up to eight months that it might take them to finalize the paperwork. This is not my loan and I would not sign anything having to do with the loan. I am filing a complaint and requesting you evaluate their shady business practices, both XXXX XXXX and XXXX. 

XXXX XXXX : 1. Failure to produce mortgage terms and conditions. 
2. Suspected exploitation upon the elderly.

3. Question of whether this company has an appropriate assignment of mortgage.

4. Possible unlicensed practice to conduct mortgage business in California. 

XXXX XXXX and XXXX : 1. XXXX is now claiming that they can not talk with our Real Estate agent concerning the short-sale because they need a physician 's statement that my father was competent when he signed the POA in XX/XX/1995. Given that she entered into the Reverse Mortgage and they had a responsibility to ensure he was competent when he signed the agreement, why do they question is competency prior to that time? I believe they are trying to foreclose, so that they can collect further monies.

2. Each time I call, the representative has little information, there is no one to talk with, they must communicate with the POA section or their supervisor and then get back to us. There is no knowledgeable person who can discuss the facts and provide information. 

Please evaluate that my parents did a reverse mortgage without my knowledge and when they had less than {$40000.00}. remaining on the loan and now they loan is XXXX. What is wrong with this picture? I don't believe that they have evidence of a third-party counselor who discussed the reverse mortgage with my parents at the time they entered into the agreement, and stole the house with underhanded practices.

Currently, XXXX is holding up the short-sale for the physicians statement when we've provided them with a physician XXXX   documents discussing his current competency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the account that are still showing on my report. 
XXXX XXXX XXXX creditor XXXX XXXX LEASING XXXX Balance : -

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Debt was PAID as AGREE with the collection agency ( XXXX XXXX XXXX ) and should be DELETED.

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 2021-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Over the past 4 to 6 months I have been trying to get Equifax to correct incorrect information. I have sent in copies of drivers License, SS card, Passport, Medicare card, VA card, XXXX card and each of the three time sending in information requested they close the request with the word ( Unspecified ), ... Equifax I was told Equifax froze the information not at my request, but at an internal request once, second person said XXXX requested it? and they refuse to fix. Several months ago I was told a computer glitch, weeks later I was told internal error. I cant even log into my account, it only states " Try again later, Network error. '' Equifax on XX/XX/ requested it all again, sending onXXXX This same situation was worked on two years ago. never fixed.. Equifax has been not only un-cooperative, they have lied to me, provided false information, stalls and more. At XXXX plus years I just don't need the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Alco Collections, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called Alco Collections and asked about the negative item on my credit report and told them I never was notified. He said I was and hung the phone up. I call back to ask him to send and he never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: KEYCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a loan with XXXX XXXX, well now key bank, my car was repossessed in XXXX for 1 week, yet the bank reported that my car was repossessed for 18 months, I traded my car in to a dealership in XXXX of XXXXyet my credit report shows that the car was repossessed and it wasn't for that long.i have contacted key bank and requested for a pay statement summary of my car loan, still waiting to recieve that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2022-08-11
Company: Synovus Bank
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:
I accordance with the fair credit report act 1st Digital/Synovus/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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Duncan Solutions, lnc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been harassing me on and off for years now. 

I thought last year after the Texas Attorney General got involved they were going to stop but last week I received another bogus collection letter from them. 

This time they claim I owe {$16.00} for an unpaid XXXX account. 

They are very aware that I do not have an XXXX  account. They have been told this by me and the Texas Attorney Generals office yet the continue to harass me. 

The have a different account number this time which is a pretty clear indication they are violating UDAAP as well as other federal laws. 

I have attached their most recent bogus letter as well as my response to them from XX/XX/2019 and the Texas Attorney General complaint information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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: Account information incorrect

Complaint:
All three credit bureaus XXXX Equifax XXXX XXXX are showing my Student loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated As Soon As Possible. These are the items I demanding to be deleted immediately. 

FDCPA section 807 Violation misleading false representations and reporting.

Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. Also, 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under 15 chapter 41. 

XXXX XXXX # : XXXX XXXX. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or uploaded As Soon As Possible. These are the items I demanding to be deleted immediately. 

FDCPA false misreporting. Instructions, Please Update to Paid Current as Agreed. I was never late this is a violation to my rights as a consumer. Remove ALL late payments and change the payment status to current because of the CARES ACT. 

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 2023-04-04
Company: Experian Information Solutions Inc.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 2023-10-04
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I have filed numerous disputes to a multitude of incorrect and flat out wrong information on my credit report. Then they send me a letter saying they believe someone else is doing this so its not being investigated. 
The grotesque errors they refuse to investigate or fix on my report are causing me severe and undue harm and emotional distress. 
I demand the information be removed 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 explanation