BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax multiple times over the past 6 months disputing inaccurate addresses being reported on my credit report. 
The address XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX is inaccurate reporting. This address is not associated with any accounts on my credit report. 
This address is showing as my current address while my correct address XXXX XXXX XXXX XXXX XXXX, CA XXXX is showing as a former address. 

Also the following inquiries have no permissible reason or permission from me to access my credit report. All inquries on my credit report with Equifax besides the non permissible inquiries listed below are credit card inquiries while these are financial institutions that solict for FINANCIAL SERVICES which I have not given permission to access my credit report. 

XXXX XXXX. XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, 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 am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 
XXXX XXXX DATE OF INQUIRY-XXXX  XXXX XXXX XXXXXXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXXXXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXXXXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXXXXXX XXXX DATE OF INQUIRY XXXX, XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXX PRE DATE OF INQUIRY XX/XX/XXXX XXXX XXXX-DATE OF INQUIRY XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: MS
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:
THIS IS IN VIOLATION OF MY RIGHTS AS A CONSUMER ... I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/2021 XXXX, Experian, XXXX, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

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 2019-09-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XX/XX/XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with NCC Business Services ( the reported agency reflected on my report ) to  verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XX/XX/XXXX and XX/XX/XXXX, no specific date provided. I requested NCC Business Services provide all  documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureaus, I am filing a complaint to the CFPB to mediate the removal of this item from my XXXX credit report in order to accurately reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
REQUESTING REMOVAL OF ALL INACCURATE INFORMATION LISTED IN MY CREDIT REPORT BY THE CREDIT REPORTING AGENCIES, WHICH ARE A VIOLATION OF THE PRIVACY AND IDENTITY THEFT.

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 2023-06-05
Company: EQUIFAX, INC.
State: IL
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 am submitting this on my own behalf. everytime i send something to the credit agencies they saying its someone else. The XXXX account on my credit report is not accurate and I attempted to show communicate this to them as well as the Reporting agencies. 

I have never been late. 
The reported me as a 90 day late when I was on payment deferment. 

My payment deferment started in XX/XX/XXXX and went through XX/XX/XXXX. They reported me as 90 days late in XX/XX/XXXX. 

This is impossible. 

Also if this was the case it would have also shown progression on my report from XXXX with a 30 day late and then a 60 day late and them 90 day late which the report doesn't reflect either. Please update the report to reflect on time payment. 

This was also during the covid time when all education loans are to be reported positively as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a new complaint. 

I contacted Capital One on XX/XX/2021 with an Affidavit of Truth containing 980 violations of my consumer rights identified and highlighted. Pursuant to 15 USC 1692k each violation of Title 15 Chapter 41 is worth {$1000.00} paid in damages to the victim. That's {$980000.00} in violations and I also included damages for defamation of character, pain and suffering, fraud/identity theft, and attorney fees totaling {$520000.00}. Pursuant to 15 USC 1692k ( a ) ( 1 ) I can seek ANY, meaning whatever amount I feel satisfies the pain I endured from their fraudulent actions. Now, Capital One responded on XX/XX/2021 to my Affidavit of Truth and Invoice/Bill of Particulars without an affidavit of their own, therefore my affidavit of truth went unrebutted, placing them in default. Nor did they provide any proof that they " loaned '' me money via a notarized ledger entry showing money leaving one of their accounts and entering my account ending in XXXX. They provided nothing of the sorts, and confirmed that they have committed identity theft and fraud. I've attached my original Affidavit of Truth, all the violations I found and highlighted from past correspondence with Capital One, my Invoice/Bill of Particulars, my Notice of Default to them, along with their response on XX/XX/2021 to my Affidavit of Truth and Invoice/Bill of Particulars. They are in major violation and need to pay my demand expeditiously. With this Notice of Default I sent out today on XX/XX/2021, they now have 10 days from today to pay this Invoice/Bill of Particulars or be in further default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never heard or did business with that company.

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 2021-07-29
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/2021 Equifax, XXXX XXXX, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: NCB Management Services Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this account has been changed from one collector to another. i have asked for proof of why they say i owe this. after asking them, they continue to send old info. or they just dont want me to know. please stop this. i dont know what company it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: DISCOVER BANK
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we submitted a complaint re : Planet Home Lending. The complaint was closed # XXXX as Planet HL wrote a letter and notified credit reporting agencies of their error. The letter corrected the XX/XX/XXXX payment but attached an AUD report form showing delinquency for seven months! Planet DID NOT own the loan for these months. 

This month we applied for a new mortgage and found that Planet HL still has not corrected the errors and indicates we were delinquent in our payments to them for seven months. Planet HL sold our loan to XXXX XXXX  and all payments were within timelines to XXXX, not Planet. After numerous calls, they agreed to open a case to look at the errors. We have not had a response from them at this time. 

This issue has gone on for 2 years! Its past time they get it fixed or we will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: SYNCHRONY FINANCIAL
State: TX
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:
Approximately a year and a half I've been fighting creditors over ( 8 ) unauthorized inquiries on my consumer disclosure. I spoke to the fraud department to each creditor, they assured me within 90 days these inquiries will be removed. However, they still remain on my file. These creditors did not have my consent to pull my credit file and lower my credit score at the same time. They had no permissible purpose, they illegally violated my consumer rights. I spoke to each Credit Bureau as well as their creditors and I basically am not getting anywhere with either one of them they are not cooperative.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: TX
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 has violated my rigths. 

1. XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX  Acct # XXXX 4. XXXX XXXX XXXX XXXX Acct # XXXX 5. XXXX XXXXXXXX Acct # XXXX 6. XXXX XXXXXXXX Acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX 10. XXXX  Acct # XXXX 11. XXXX XXXX Acct # XXXX 12. XXXX XXXX XXXX Acct # XXXX 13. XXXX XXXX XXXX Acct # XXXX 14. XXXX Acct # XXXX 15. XXXX Acct # XXXX 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 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXXXX/XX/XXXX ( see. Attachments 1st notice ) I  originally wrote to the company Transunion in regards to disputing/verifying the account XXXX XXXX XXXX   that is being reporting in my credit file. The full details for the account is XXXX XXXX XXXX  reference number XXXX. 

Transunion responded by writing back to me stating that the account was either updated or verified. I then responded to Transunion on XX/XX/XXXX requesting their method of account verification. Please note that Transunion at no point in time ever provided me with any account-level documents to verify disputed accounts. Be advised that this company XXXX XXXX XXXX never provided me an initial notice of debt ( the initial communication of a debt ). I disputed this account originally XXXX  XX/XX/XXXX ( see. Attachments ). I also requested method of verification from Transunion for this account on XX/XX/XXXX after Transunion claimed the account was verified ( see. Attachments ) but no verification was ever provided to me. 

I then requested that the disputed accounts be deleted from my credit file immediately on XX/XX/XXXX, after no proof of verification was provided from Transunion. Please be advised that Transunion has not responded back provided method of verification within the FCRA timeframe and is not in compliance with the FCRA guidelines. Also I request that CFPB step in as a liaison to assist in resolving this matter. 


I request that Transunion comply with the FCRA, by removing this aforementioned inaccurate unverifiable accounts from my report. These accounts are incomplete, inaccurate, and unverifiable. I have given Transunion more than 45 days to produce documentation to verify the account. Please be advised that all supporting documentation will be unloaded to support this complaints. This will include letters to Transunion and copies of certified USPS receipt.

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 2019-11-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I XXXX took out a Parent PLus Loan for {$25000.00} in XX/XX/2005. I my uncle XXXX XXXX was co-signer. The student was XXXX XXXX. The servicer is Navient. MY son was never a a co -borrower he was the student. HOwever NAvient has attached the loan to him.. IN XXXX we called Navient as their action is negatively affecting his credit as I have become XXXX and will be seeking relief. I advised that he was never a co-signer and asekd that original documents be sent to me, They were and clearly showed he was not a signatory. However a second set of document were sent to him and this was differed ans showed a signiature not made by him and dated XX/XX/2005 whic corresponds to the dae of dsibursement and validates that no such signiature could have been made since the loan app was in the hands of the lender at that eime. I need the attadhemt of this loan to my son removed so as not to harm his credit any further

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MS
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:
XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 


XXXX XXXX : Balance {$15000.00} Last report date : XX/XX/20XXXX XXXX XXXX XXXXXXXX : Balance {$7000.00} Last report date : XX/XX/2XXXX XXXX XXXX XXXXXXXX : Balance {$10000.00} Last report date : XX/XX/2XXXX XXXX XXXXXXXX XXXX : Balance {$11000.00} Last report date : XX/XX/203 XXXX XXXX XXXX : Balance {$5600.00} Last report date : XX/XX/2023 XXXX : Balance {$19000.00} Last report date : XX/XX/2XXXX 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