BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: CREDIT ACCEPTANCE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My XX/XX/XXXX credit score plunged 40 pts due to payment status changed to ( negative past 180 days for the period of over a year ) on Credit Acceptance reporting. Within a week I disputed with XXXX, XXXX, and Credit Acceptance including a copy XXXX  report from both bureaus of on-time payments for the negative days recently reported. Credit Acceptance has been on-going with consistently changing to inaccurate information. XXXX has corrected information accordingly however, my XXXX report remains the same ; Dispute dates with both bureaus are XX/XX/XXXX and XX/XX/XXXX. Additional incorrect information on reporting as follows : REMARK added regarding late payments, Payment status, balance due and initial open date. My main concern at this point is the negative remark and invalid late payments reported. Balance due of {$450.00} increased by {$240.00} on XX/XX/XXXX, after receiving the previous dispute. I guess this was a retaliation? I refused to pay the {$450.00} because it was paid by XXXX XXXX XXXX, after an accident and the remainder balance was covered by GAP. 
Note : other documentation is available upon request and has been submitted to bureaus and debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I have a series of accounts that I want the bureaus to investigate and correct from my credit report. I have sent notifications to the creditors and they have not responded to me either, except for one. I would like to know what is happening that my process does not advance. 

XXXX has only been in charge of sending emails saying that they received my letters but that they will not investigate, which I find unfair and very unethical on their part

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX, and I'm a natural woman submitting this complaint on her own behalf without the assistance of any third party. The companies identified in this FTC report # XXXX improperly obtained my personal identifying information through aggravated identity theft and are using it to improperly report negative information on my consumer report without my written consent or authority. XXXX XXXX, XXXX, XXXX, and Experian are reporting inaccurate, false, and fraudulent accounts, hard inquiries, collection information, incorrect names, addresses, phone numbers, and employment information that don't belong to me and were made without my permission, written consent, or legal authority, as well as information that wasn't collected from me. 
See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

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 2019-02-05
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2019 I previously filed a complaint with the XXXX ( see attached ). On XXXX.XX/XX/2019, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/2019 I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ). Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX FLORIDA as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 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 2023-07-10
Company: MOHELA
State: FL
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:
Called deparyment of education they refuse to discuss or discharge loans to XXXX to refund remainder they said would from vlass action suit agaonst college that was settled XX/XX/XXXX i paid off loans XXXX XXXX XXXX college witheld information that impacted hundreds of students school contacted me in XX/XX/XXXX to inform of refund XXXX sent me partial refund and a letter that they were processing remainder of loans but still have no srnt Dept of Education wnt discuss just keep saying they are processing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I reported a fraudulent charge and asked for the credit card to be closed, but instead customer service closed my entire account. Now my credit age resetted and credit score dropped 100+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 US.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 man seven veers 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. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 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 ( i ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2020-06-12
Company: EQUIFAX, INC.
State: UT
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A place that said they were a lender through XXXX XXXX has scammed me into thinking I was getting a loan for up to {$9000.00}. So while speaking with them on the phone the lender stated that they needed information as far as my account number and routing number, my wife was the person speaking with them and provided that information. The next step was they continued to ask for other information reguarding the bank as well.. They wanted passwords and username in order to mobile banking the money into the account. After all that, they deposited check # 1 into the account for {$2300.00} but it had PAY TO THE ORDER OF XXXX XXXX, that was also forged with a endorced signature that was not mine. I did not know anything about a fraudulent check. Check # 2 was deposited in my account for XXXX, about 3 hours later. I notified the bank and let them know about how I think its a scam. The USAA bank said it was my wife fault for being scammed, and that when my military check gets deposited every month the bank was going to take the money. The US treasury called the bank and told USAA to return my direct deposit back to treasury since the account had fraud going on, the bank did not do so.. Now I am left with nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
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: Account information incorrect

Complaint:
My XXXX XXXX keeps telling me that my transunion credit score keeps going down 15-16 points at a time. My credit score which was in the mid 600s is now showing as a XXXX credit score. Theres no explanation for why the score keeps decreasing, in fact it keeps showing me that balances have decreased and the one negative item on there was removed. I try to view my credit report from the annual credit report website and it tells me theres an error every time but only with transunion. I try to get my credit report directly from transunion and it tells me I have to pay them {$30.00} a month to view it. All of my payments are on time, and my balances continue to go down. There is something seriously wrong with transunions reporting. My other two credit scores are XXXX points higher. Im tired of this and tired of transunion affecting my ability to have a decent credit score. They are the only credit bureau who has a score thats XXXX points lower.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: LA
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:
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2019-02-05
Company: One Source Technology
State: IL
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: Public record information inaccurate

Complaint:
XXXX  did a criminal background check on me and they took longer than expected to complete. Once I did get the information presented to me they reported fraudulently a felony criminal charge that was not accurate. I was told by the representative " XXXX '' I believe when I called in that Nevada was reporting the charge as a felony.I did immediately ask to speak to the compliance department and was transferred to a voiceless voicemail. I left a message. When I called to Nevada to verify what the issue was the clerks office did report that the company was inaccurate and the the only charge being reported publicly should have been a XXXX XXXX XXXX aka XXXX   XXXX. I left the contact number when I called a second time to the compliance voicemail for XXXX  which was for a supervisor by the name of XXXX or XXXX at XXXX for the XXXX XXXX justice court criminal division. This has caused me not only a further delay in my potential employment but the inaccuracy can now completely revoke my eligibility for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US.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 man seven veers 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. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 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 ( i ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: IL
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 have tried 3 times to obtain my credit report from XXXX, I sent my State Id, my SS # : I called and requested it two times over the phone and tried to do it on line, they have not sent my credit report, I had no problems from XXXX, or Experian, but from the report that they sent me my rights have been violated. A consumer reporting agency can not furnish an account without my written instruction. The open dates are inaccurate, last active is inaccurate, date last reported inaccurate. This is grounds for removal and 15 USC 1681 section 602 A states that I have the right to privacy, 15 USC 1681 section 604 A Section 2., as a result of these things on my credit report I have hardship, I have a job, but I live with my Sister, I tried to get my own place and I was unable to because of my credit report. A credit report should not be the determining factor to get a place to live, you have the job making good money, but you can't get in because of a credit score is just down right ridiculous to me, I can not tell you how many people can not get a place to live because their score is too low, or they have erroneous stuff on their credit report that stops them from obtaining a home, these things need to change. If you need to contact me please contact via e-mail XXXX, address is XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Illinois 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 2023-05-30
Company: EQUIFAX, INC.
State: PA
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 notice it was different names, birthday, and address on my credit report I send a all 3 credit bureau A letter on XX/XX/2023 saying i want update and correct my personal information and i wish to not have any phone number on my report and remove all addresses off my report as they are not deliverable to me by U.S post office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: IL
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 did not authorize these creditors access to report to my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AN # 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