BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, Early in XXXX, I checked my credit report and I was alarmed when I noticed all 17 of my XXXX student loan accounts were showing 90 Days past due. This was a surprise to me because as recently as XX/XX/2019, I requested and received an administrative forbearance that covered most of the year. I am currently in school trying to finish my first XXXX XXXX, and there has been some confusion about my status in school, which has varied from half-time and less than half-time for purposes of deferment. Multiple requests through the XXXX site and their customer service finally proved fruitful as I was granted an administrative forbearance while my records were updated through the XXXX XXXX XXXX. XXXX subsequently sent me a letter saying I was approved for the forbearance, and this document detailed the dates the forbearance retroactively covered XXXX which included the time period in question ). That letter is attached below. 

I immediately disputed with XXXX, and subsequently XXXX   and Equifax, online and sending in certified mail, with the letter proving that the lates that were placed on my credit file were in error. The forbearance letter clearly states that the forbearance is retroactively applied, and further states that no payments are required and that no payments were required for the specific time period. XXXX, even after a formal CFPB complaint, refused to remove the lates. XXXX, after a formal CFPB complaint, did. I then informed Equifax that XXXX removed the lates, as required by law, and that they were required to remove the lates as well. They have responded only updating the status of my loans but NOT removing the late payments. 

I am filing a complaint against Equifax for not following the law in removing false and erroneous information from my credit report. This has already impacted my credit score and my credit file as one of my credit accounts reduced my credit limit due to this false listing on my reports. I am hopeful that CFPB can help remedy this important matter in a timely fashion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
did not sign anything with Tower Loan or XXXX XXXX for them to check my credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Global Lending Services LLC
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: Old information reappears or never goes away

Complaint:
This company is reporting an old information and I want it removed because it is damaging my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: I.C. System, Inc.
State: NC
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 C System has a collection on my credit from XXXX XXXX ( original creditor ) in the amount of {$730.00}. This account was confirmed to me on XX/XX/XXXX by XXXX XXXX as a closed account as of XX/XX/XXXX. IC Systems is reporting the account to all credit bureaus as open with a delinquent date of XX/XX/XXXX which I C System stated to me was the date they were hired by XXXX XXXX. I have disputed the status and delinquency date on credit Karma with I C systems 4 times and they have repeatly informed both the status and delinquency date they have reported is correct. I reached out to I C Systems directly on XX/XX/XXXX and informed them of the false information they keep reporting on my credit reports. I also informed them according to FCRA the date of delinquency has to be the date given to them by the original creditor. They informed me that the Credit Bureaus are not updating my information. That they are reporting the account closed and the delinquency date as XX/XX/XXXX which I know is lies. I C Systems refuses to report my information accurately to the credit bureaus and refuse to update their reporting of my credit information.

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 2023-11-08
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld has posted a collection account to all 3 of the credit bureaus for XXXX. The original first date of delinquency is even older then the XX/XX/2017 that they say. This debt was previously posted on my credit reports years ago and went past the statute of limitations on it. I had all 3 bureaus investigate this matter and XXXX saw thru and removed it, XXXX and XXXX did not, although I'm having it reinvestigated thru XXXX. It would appear to me that Transworld pulled some finagaling in regards to this and posting it to my reports as if it is some new debt, which it is not. As I understand these type of tactics are unfair and illegal. I have never admitted to debt, arranged any payment plan or recieved any correspondence from/with Transworld.I would like this matter to be put to rest and stop the harassment of reposting this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted more disputes than I could count on one hand with Experian credit bureau over the past two months regarding incorrect reporting on my credit report from a company named XXXX XXXX. Experian is clearly not looking at the documents I'm sending them that prove that XXXX XXXX is falsely reporting on my credit report. I sent EXPERIAN payment history from XXXX XXXX themselves that shows they have been paid on time, transaction history from XXXX XXXX that shows XXXX XXXX has and is getting paid on time, and copies of my credit report from all three credit bureaus that clearly show that XXXX XXXX has reporting issues. For example, they're reporting to XXXX credit bureau that I've been late paying them for one month, and to the EXPERIAN and XXXX credit bureaus for six months. Experian really needs to take a hard look at what I'm sending as proof that XXXX XXXX is totally incompetent and falsely reporting on my credit report. Bottom line up front : XXXX XXXX has been getting paid on time every time via my XXXX XXXX card, set on automatic, and recurring payment with zero issues since they took over for the previous company, XXXX. You tell me how a payment can be late if it's set to automatic reoccurring payments. If someone would just get off their behind and call XXXX XXXX, this could all be resolved. Experian is simply passing what I have to say XXXX XXXX and they are simply replying that they are responding correctly, and that's not correct. Experian needs to verify that this is correct and not just accept what they have to say. All I'm asking for is that Experian take the time to look at my documents, and they will see that XXXXXXXX XXXX is wrong. Please call XXXX XXXX to verify that the payment was setup for reoccurring and automatic payment ; therefore, the payment was and has never been late. If the payment was ever late, it was because XXXX XXXX didn't do their job and initiate the payment on time. Please clear this inaccurate and false reporting from my credit report. This is not okay.

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 2023-02-22
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been going through issues with Capital One for a few years now and for some reason I'm being discriminated against every time I open an account with them. My credit is good and I've been approved on two occasions ; when I applied for a Capital One Card and I opened a Kohl 's account and my account was opened and then closed for no reason revealed to me. I don't have any Identity theft or anything of that nature right now, so the only thing that is apparent is discrimination for whatever reason. I'm a tax paying citizen that should not be going through this with a card company. I don't have any freezes on my credit or anything of that nature, so I need this resolved ASAP. They closed my account without any reason given to me and on top of that I even opened a secured Capital One Card with my own money and they closed that card as well and still haven't sent my money back that I used to open my account. This is totally unacceptable and someone needs to explain what's going on and quickly get this corrected. The discrimination has to stop and furthermore the egregious act is that the Company closed my account over 2 months ago and still hasn't sent me my funds that I used to open the secured account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: JPMORGAN CHASE & CO.
State: OH
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:
On XX/XX/XXXX I had an individual by the name of XXXX XXXX send me an email from using the company name XXXX XXXXXXXX XXXX in regards to a loan they stated that I was approved for {$1000.00} loan. They asked for all of my identifying information they didn't ask me for my banking information. However I was hesitant and giving them my banking information because I felt it was unusual that they were asking for my username and password the representative then told me that this was normal procedure for them to ask for this information. With hesitance I did provide them with my banking information and unfortunately they had taken money out of my account and they filed fake claim dispute against merchants that I had already paid. The bank then provided my bank account with provisional credit. I then I spoke with the XXXX about the transactions that had taken place with the provisional credit the XXXX stated that they had made a negotiation with my bank and they paid for those transactions themselves however unbeknownst to me it was found out that they had use that money to fund the XXXX dollar loan and had and has stolen {$400.00} out of my account that was already in my account with that being said I try to file a claim dispute myself and cancel those claims that with me my bank This fictitious company had stolen my money the bank charged me and now is negative. would like to know what can I do to get my {$400.00} back and to get my account and find out how to and would like this individual found press charges against her. They also told me sent XXXX via XXXX. 

The amount that was from Chase $ XXXX amount that was taken from me was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion credit reporting hard inquiries done without knowledge and inquiries without approval. I called transunion for help to remove them that inquiries are not approved by my consent that was pulled without my permission they said it's not a mistake and won't help me to remove hard inquiries from XX/XX/2020 to XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank In Violation of My Credit Profile that has Damaged my credit reports to 8 credit reporting bureaus and had credit scores of XXXX Excellent credit that now I cant get any type of credit Approvals

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Transunion has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ALLY FINANCIAL INC.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid my auto loan off in full in XX/XX/XXXX. After all the payments went through I received an email from the company saying that the loan was paid off and the title would be sent to me. I got the title and a letter from the company dated XX/XX/XXXX stating that the loan had been paid off. There is a signature on the title showing Release of Lien from Ally Financial dated XX/XX/XXXX. I logged into my account XXXX last time at the beginning of XXXX to confirm that my balance was showing XXXX, which it was. 

Starting on XX/XX/XXXX I started getting calls from Ally saying that my account was now overdue. I also got a letter in the mail from them asking for payment on XX/XX/XXXX. Other than my title in XXXX, I got no other letters, emails, texts, or phone calls from Ally in regards to my Auto loan. On Monday XX/XX/XXXX I called and was transferred around several times before finally speaking to someone who said that my loan was indeed paid off and that it would be marked as completed, I would not be bothered by collections any more. I am still getting phone calls saying that my account is overdue and demanding payment, all recorded with no option to speak to an agent. When I try to call their customer support and speak to person I am transferred around and eventually hung up on without resolution to my problem. I am now extremely concerned that not only will my credit score be affected by them claiming I have a late payment ( even though my credit report shows the loan closed ) but that I will have to deal with the company trying to repossess my car, even though it is paid off in full and I have the title. I can not get anyone at the company to give me a straight answer and am sick of being hung up on without ever getting any sort of resolution.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously disputed XXXX XXXX account ( XXXX ) due to identity theft and submitted supporting documentation and an Identity Theft affidavit. An investigation was conducted resulting in both disputed accounts being deleted. However, the XXXX XXXX account XXXX has been reinserted into my credit report. I was never notified by Experian as required by FCRA 611 Procedures in case on disputed accuracy [ 15 U.S.C. 1681i ] ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information.

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 2022-11-17
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/22 I informed all three bureaus to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. 

I've also called the various bureaus multiple times to have this removed over past 2 months and no bureau removed it. 

I didn't even ask for a fraud alert. 

They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Ability Recovery Services is trying to collect a debt that isnt mines. I disputed this debt a million times. The first time they said it has been deleted since XX/XX/XXXX. Then its still on my credit report. They tried validated the debt to an old address that I havent lived since XXXX. The person took pictures and sent it to my mothers address. The debt has my name but not my correct address ( I never lived at that address ). A credit card ending with 4 digits that I dont own and some other things thats not affiliated with me. I dont have no email address associated with XXXX XXXX account. I have no email as XXXX. My phone number starts with XXXX. I never had one with a 404 area code. I never went to XXXX XXXX. I been at XXXX XXXX XXXX University school since XXXX getting my XXXX. This debt doesnt belong to 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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX i sent a letter to Transunion concerning the validation of several inaccurate and unverifiable accounts. They failed to act and respond to my dispute. I demand proof of how they were able to verify or show me their investigation. I am seeking litigation and i would would like those unverifiable, inaccurate, obsolete accounts remove my credit report.

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are accounts on my credit that do not belong to me. I don't know who's they are. Please remove them. I have submitted a copy of my identification and my utility bill as well to prove who I am.

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 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
I contacted the below creditors and they have No proof I initiated such Derogatory, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized derogatory from my credit report immediately as there is no evidence of my authorization nor any permissible purpose.

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