BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: AZ
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$220.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX. XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX XXXX : {$220.00} XXXX XX/XX/XXXX XXXX XX/XX/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

Company response to consumer: In progress
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XX/XX/2023. XXXX XXXX reported late payment on my credit report and after thorough investigation, the company found out they made an error reporting late payment to 3 credit bureaus. This account was never late.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
on XX/XX/XXXX a formal complaint was mailed to transunion to go over a account that was on my credit that i had no knowledge or have I dont business with. I have yet to receive any communication that my dispute would be processed.

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 2022-05-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-21
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: RI
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:
Credit Agency is not complying with Complaint as requested Per CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have repeatedly sent disputes about negative items on my credit report.Some items are over seven years old I do not recognize some of the negative items.In XX/XX/2022 after many online disputes i sent certified letters with copies of my identification along with letters being notorized requesting validation of all debts reported on my credit reports with the original signed by me copies of the agreements sent to me or to have these items immediatly removed from my credit reports.I have not received any responce from transunion, XXXX, or XXXX.The XXXX  account on my report shows to be past due and unpaid however if you check the accuracy you will find i pay them XXXX every week and can prove this.I also have been paying on that account for XXXX  years if you look at it.By XXXXXXXX XXXX on records i can prove i have paid XXXX in interest alone on that account.I am also a victim of XXXX  XXXX  letting a company called XXXX XXXX pull multiple hard credit pulls on me that were not authorized.I have disputed this many times with no results.My credit reports are not correct with multiple innaccuracies easily seen.I am wanting these incorrect items removed immediatly as it is hinduring my ability to live and function properly.Thank you

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 2023-06-09
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Crown Asset Management in XXXX Georgia. Customer Service keeps transferring the call from one person to another. No one answers phone calls, emails, and fax requests.

Direct Line XXXX Going through an attorney and even the attorney could not get through the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Maximus Education, LLC dba Aidvantage
State: SC
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 Student Loan ( State SC ) - ( now loan moved to Aidvantage ) - I was mislead and told to go into forbearances. I owe {$71000.00} for a XXXX year in-state college ( XX/XX/11 ). This is an absurd amount. If there is anyway I can get or become part of the settlement. I was in forbearance as COVID-19 hit which is why I did not default on the loan. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors that need to be addressed an removed asap. this is my XXXX attempt processing disputes to delete an remove that targeted negative files that are invalid. please review an remove all items listed they are unlawful an illegally reported on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by XXXXXXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. 

How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate. 

Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. 

This listed item is entirely inaccurate and incomplete and must be deleted. 

Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It 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.

15 U.S.C. 1681i ( 5 ) ( A ) ( I ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
on XX/XX/XXXX, I was able to obtain a lease contract with Volkswagen USA " account number XXXX ''. It was a 3 year, XXXX mile lease. I usual, I paid my bill on time, and in accordance with the terms, and conditions of the lease. I have been leasing vehicles from VW from years, and I was never late once. This time was no difference. I paid the vehicle in full, as I was making the payments online, through their website. On XX/XX/XXXX, I made the final 2 payments, and soon thereafter the account appeared as paid, and closed. Within 30 days, the status of the full 3 year payment appeared on my credit report, and the account status changed to paid as agreed, never late, and closed. 
I returned the vehicle onetime, and with only XXXX miles on the clock. The car was in perfect condition, without any damages, or scratches to it. Within months after returning the car, and received a call from VW Credit charging me {$800.00} for wear a tear, which include a GPS SIM card, that I was never given at the deanship when I bough the car, and that I put it on notice when picking up the car at the dealership. After some bickering VW Credit called the dealer, and verified my statement, so they remove that charge from the bill, after that, I received another bill from a rim scratch that, it was not there, at the dealer when I returned the car. The dealer reviewed, and provided me with a paper stated that everything was fine, and that the car was returned without any issues. Furthermore, 15 days later, I got a call from VW Credit again telling me that, I owe them a small portion of the lease payment, when in fact, I did not, since I was paying off the account through their website, with a set amount on established by VW credit. To the fact that, after I made the last payment, it changed to paid in full, and it was reported on my credit report, as paid. I explained to them, that it the account was already paid, and closed that I dont owe them any money, but they are adamant to continue the harassment towards me. Somehow, after all this issues, they managed to changed the total amount owed from being {$0.00} on the website, to {$470.00}. I am also certain that they tried to change it on my credit report, but they were not able as according to section 623, of the FCRA, creditors are required to report accurate accounts. Therefore, against the law to change information that has already been reported as " paid in closed, and NEVER LATE '' I have received phone calls at XXXX from time to time from disrespectful VW representatives demanding {$470.00} payment from me after explaining to them, that the account appear to as paid, and closed on my credit report. I have attached 2 pictures taken from my XXXX  credit monitoring service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: MN
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:
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 i have contacted the credit bureau and ask them to delete these accounts they have not as of yet please delete these hard inquires asap 24hrs for this is affecting my day to day living thank you.

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 2021-12-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I just signed up for the XXXX XXXX XXXX XXXX card a few months ago. At first it was great, and I used it for everything. 

I Spent the last 3-5 years fixing my credit after medical and other hardships forced me into a tough spot. But I did it! Got my score up to a XXXX! I had plans to purchase a house and finally get my life back on track. 

So, I received my card around the beginning of XXXX, I think the XXXX, and planned a trip and booked my flight. I spent over a {$1000.00} but made a {$1000.00} payment right away. I ended up purchasing other items and whatnot for the trip along with daily necessities. I had over {$1000.00} on the card again. Around XX/XX/XXXX ( three weeks before my first bill was due, and days before I received it in the mail ) I made another {$950.00} payment leaving about {$100.00} left unpaid on the card. I wanted my card balance low in case I wanted to use it while on Vacation. 

I come to find out a day or two later, around XXXX, that my credit score took a XXXXpoint hit because XXXX XXXX felt the need to report my high Balance on XX/XX/XXXX to the credit bureau 4 weeks before my bill was even due, and not even a month after I opened the account. I didn't miss a payment and actually made a {$1000.00} payment before they felt the need to report my balance. 

Now my credit score is ruined, at least for the purpose of purchasing a house at a low mortgage rate. 

I called and asked them if this was common practice for them. Reporting a customer to the bureaus for high credit limit before you give the customers a chance to even get their first bill in the mail, yet alone giving them a chance to pay before the due date, and after they already made payments in good faith, weeks before the bill was even due. They basically said yes. 
They acknowledged my current low balance and said they would report it immediately to the bureaus. But that was all they could do. 

So now I will never use this card again. But that doesn't change the fact that now I can't get a mortgage at anywhere near the rates I previously could. This is a horrible business practice and ruins people 's lives.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have mailed multiple letters dating back to XX/XX/2022 to all 3 credit bureaus disputing inaccurate and impermissible accounts being furnished on my consumer report. My disputes are not being properly investigated and after numerous attempts, I have not got any results. These accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) are violating my rights as a consumer according to the FCRA Sections 603 ( 2 ) Exclusions, 604 ( a ) 2 Permissible purposes and 623 Responsibility of furnishers. I havent been provided with any documentation to support that information is accurate or the method that was used to verify ( FCRA Sec 607 ). Theres also multiple accounts ( XXXX, XXXX XXXX ) that violates Section 807 11 of the FDCPA, and FCRA Section 609.

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 2021-11-01
Company: EQUIFAX, 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:
The following in Equifax 's response to CFPB Complaint # XXXX as it pertains to XXXX, Account # XXXX. 

" We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request. '' In response I am informing you that as per 609 - 15 U.S.C. 1681 ( e ) ( 1 ) Equifax must respond to identity theft victims within 30 days. Also, Equifax must provide to the consumer " ... a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft ... '' See attached supporting documents and law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 BEEN CONTACTING TRANSUNION AND XXXX ABOUT THESE FRAUD ACCOUNTS FOR 5 MONTHS. I SENT IN POLICE REPORT AND FTC REPORT AND THEY STILL DIDNT REMOVE THESE ACCOUNTS. ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX ( 4 ) XXXX XXXX  ( 5 ) XXXX XXXX ( 6 ) XXXX XXXX ( 7 ) XXXX XXXX XXXX ( 8 ) 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