BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX, CA XXXX. Your professional cooperation will be greatly appreciated. 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 2021-01-02
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The company is unreachable via U S Mail or by phone I sent letters and it came back " Undeliverable ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted Transunion on multiple occasions on XX/XX/XXXX stating that I was a victim of their inquiry issue and the representative failed to honor the inquiry issue and failed to help me giving me terrible responses that didnt solve the problem. These are the following hard inquires : XXXX  XXXX ( Finance ) XXXX XXXX, XXXX -XXXX  XXXX, XXXX XXXX  XXXX ( Bank ) -XXXX XXXX XXXX XXXXinance ) XX/XX/XXXX -XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX ( Bank ) -XXXX XXXX XXXX XXXX XXXX  Finance XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX -XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) -XXXX  XXXX, XXXX XXXX XXXX XXXX ( Auto ) -XXXX ( Finance ) XX/XX/XXXX -XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) -XXXX XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ( Bank ) -XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXX Finance ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX Finance ) XX/XX/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 2023-10-19
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # 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 a account without my written instructions.

15 U.S.C 166b A Credit or May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, 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:
This Account have violated my rights According to FCRA ; 1. XXXX XXXX XXXX ; account number # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XX/XX/2016 ). 
Also according to 15 U.S.C. 1681a ( 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 soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-12-11
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In early XXXX I opened an account for my small business with Truist bank. I deposit our checks daily through an e-check verification company called XXXX. Once we opened the account we deposited a little over $ XXXX into that account. That's a lot of money for us being a small business. They put the deposits on a standard 7 to 10 day hold which I understood. The day before the funds were to become available, I called to confirm and was informed that my accounts had been frozen and we were under a check fraud investigation. XXXX of the checks was from a title company and because of their positive pay system, they stopped payment on it. I spoke to the title company, and got confirmation by email which I sent to Truist of the reason that they stopped payment. I answered every question that they had. Then at the end of XXXX I received a letter from Truist stating that they no longer wanted to continue the banking relationship and were closing my account which was more than fine with me. There isn't a branch in my state and they offered no solutions on how to get my money back. I was told I have 7 days to bring my account positive if it wasn't. Well it was positive $ XXXX. I called again and was told that because of thebway we do deposits, that our funds were going to be held until the end of XXXX. I spoke with our customers and confirmed that those funds left their bank accounts a day or so after I deposited them. I even had a lawyer draft a demand letter and they are saying that they never got it. I can not speak to anyone that will help me or do anything so that we can get our money back. I've told them that as a small business, that after being ope. For over 20 years that if they held our funds that we would have to close. They don't care and refuse to offer any solutions. It's almost XXXX and they still won't release our funds or tell me anything other than the account is scheduled for closure in XXXX. I dont even know if they will give us our money then at this point. I need help getting this money or I will lose everything. We did nothing to deserve this.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 a account without my written instructions.

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Regards to an automobile loan account on my consumer report with XXXX XXXX XXXX. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2.

This is also a violation of tax code and multiple state laws in which Transunion, XXXX and XXXX are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The Pennsylvania Financial Services Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.

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 2020-12-30
Company: American Coradius International LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving calls from ACI LLC, XXXX. Recorded msg refers to debt collection. Neither I or my wife have any outstanding debts and have 820+ credit ratings. Today ( XX/XX/2020 ) received 2 recorded calls from ACI so I called them after the second call today and they asked for my name, which I refused to provide ( They could see the number I am calling from and it is the same number as they are calling me on. ) Respondent said he would have to refer me to a supervisor. I hung up after being on hold for 5 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified through XXXX  that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from XXXX XXXX XXXX with the original creditor being Check N Go at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I've never been to Missouri or done any business with Check N Go. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. 

My credit report shows an account opened at Check N Go at the address above on XX/XX/2020 for {$960.00}. XXXX XXXX XXXX issued a collection in XXXX of 2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by XXXX XXXX XXXX  or if this is identity theft and my information was used at Check N Go and now XXXX XXXX XXXX is now involved somehow. Either way this is identity or theft by an unknown person or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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:
After reviewing my most recent credit report I see an account listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

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 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2019 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: FC HoldCo LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been paying this car loan off for the pass two years and my loan balance is still pretty much what it was when I purchased this vehicle. No matter how early I pay this loan amount is not changing. Right now it states XXXX balance for a XXXX XXXXXXXX this is identical to the same price it was over a year ago and I pay XXXX a month. This can not be legal. The name of the company is flagship and this is predatory. I can not even sell this car to a company that buys financed cars because they stated this vehicle is not worth anything close to this when I purchased this vehicle it was for XXXX dollars. This car loan is not going down and I need to get out of this deal I have gave them all together well over XXXX grand and have not put a dent in this car loan. There is no way this company is using a legal practice for this car loan. Then when I asked the pay off amount if it was paid early its the same exact price thats left meaning the interest that would be for the future is automatically charged. I feel as if I was scammed into this contract when I was in need. I have a XXXX credit score please help me this is not ok.

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 2021-01-02
Company: EQUIFAX, INC.
State: MD
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/XXXX, I received an alert from XXXX  that let me know that my credit score had dropped do to a 30-60 past due payments. I am questioning this report. I have set up bill pay with my bank and have confirmations that all my checks for XXXX XXXX were sent out. 
I did have a problem in XXXX because my checking account was hacked, and I did call to inform the company that I needed them to hold the check until I contacted them but that did not stop my future payments from coming to them on my behalf. 
I know that do to the pandemic that the mail has not been running the way it should be and a lot of letters or payments that we should receive in a timely manner have not come. I called XXXX XXXX so that I could get a letter for my lender about the current payment that I made and the letter is contradicting to what was put on the credit report. I have been a customer of XXXX XXXX and have always reached out to them if there were any issues. I also contacted the company on XX/XX/XXXX and let a message for the owner to get back to me and that was not done and today is XX/XX/XXXX with still no response. I also reached out to Equifax and they told me that the information provided did not add up with the letter that I read to them. I forward them the same documentation that I forward to XXXX XXXX for one of the companies to correct this as quickly as possible. I was informed by Equifax that would have to correct my information based on the letter because it is contradicting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions 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:
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 instructons 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 vears.

15 U.S.C. 1681s-2 ( AX1 ) 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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-03-29
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Closed with explanation