BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # 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 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 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A year ago I found a credit bureau listing from Capital One Bank ( USA ) stating I owed a debt. I disputed the debt and never received any further information. This account was opened by my ex wife after our divorce fraudulently in my name. I have no contact with my ex wife as she has not been in contact with me or our children for 4 years. She is delinquent on child support and we have no way of locating her. A law firm called me a year ago about this debt and I informed them I disputed the debt. I live in New Mexico, they had an address in Nebraska which I believed to belong to my ex wife. They, XXXX XXXX XXXX with XXXX XXXX XXXX in Minnesota, did not contact me again until this week when I received a letter forwarded to my New Mexico address from my ex in Nebraska saying that Capital One Bank ( USA ) has sued me in Nebraska and demanding a hearing in Nebraska in 2 days. I LIVE IN NEW MEXICO. I have no means to get to NEBRASKA  to again dispute a debt I have previously disputed. I have researched XXXX XXXX and they have settled several CLASS ACTION lawsuits when suing people who did not owe the bill. At this point unless this is removed, I will have no choice but to retain the firm that won these Class Action Lawsuits against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to resolve the inaccurate information that is on my credit report. Each time then results is stated as verified correct. How is the information verified correct if I received a letter from the financial institution with the correct information on the letter and have sent the letter to the credit bureau several times. I would like to know how is the information being verified? Im in the process of purchasing a house and this inaccurate information causes higher interest. I just want my credit updated correctly

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 2023-03-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. EXPERIAN is reporting late payments/utilization on multiple accounts : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and/or utilization is an experience created by credit usage . 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EXPERIAN written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to EXPERIAN violating my consumer rights by allowing these late payments/utilization to report to my consumer 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Kriya Capital, LLC
State: GA
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:
Credence Resource Management LLC Ive sent in debt validation letters XX/XX/2021 and also everytime they have called my phone i have asked for debt validation i never receive the validation of debt but somehow i receive several notices in the mail about this debt they are bypassing the fact i have asked for a validation of debt from the original creditor, Ive constantly asked to VALIDATE the debts NOT VERIFY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I received a notification that I had some changes on my credit report. The credit report signifies that I applied for credit with XXXX XXXX for an auto loan on the XXXX of XXXX. I have not applied for credit with this company and do not wish to do business with the company. These are the hard inquires that I did not authorize ever. 

XX/XX/2018 CAPITAL ONE CAPITAL ONE, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2018 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have Disputed these accounts more than once and the information has not been updated. XXXX  XXXX XXXX account is old and the delinquency dates are not reported. It was deleted automatically off my other XXXX reports but not this report. The XXXX account is over seven years also and not reporting accurately. The delinquency date on the Truliant account is also wrong. I need this corrected immediately. They are not taking my complaint seriously. The representatives have not been helpful at all and do not care.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX

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 2021-03-03
Company: I.C. System, Inc.
State: GA
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:
I have a negative credit entry on my credit report for an account that was paid in full. The creditor is IC System and this account has been paid in full. When I contacted the collection agency, the representative agreed to completely delete the item from my credit profile and it still appears as a negative account.

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 2018-10-12
Company: EQUIFAX, INC.
State: CA
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:
My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. 570-580. I have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then 570-580 since I have had credit and I am in my 50 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Investigation took more than 30 days

Complaint:
I purchased a used car with my girlfriend and received a loan in XXXX of XXXX from XXXX XXXX. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. Equifax, XXXX and XXXX are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, XXXX and Equifax shows the balance on this account as {$22000.00} and XXXX shows the balance as XXXX. Now how can this be? But on my girlfriends credit report, XXXX shows a balance of something different! 

It's only one or the other, how can there be 3 different balances on the same joint account? I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? 

I don't know what else to do in this situation. Please help! 

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid off my mortgage last year. XXXX had no problem with that. However, in XXXX of XXXX, I came down with a severe case of the XXXX XXXX virus. It last weeks. I was out of work, isolated and almost lost my life. Needless to say, i fell behind on bills. When i was finally able to return to work, my first order of business was to take care of my late mortgage payments. However, when i returned to work, due to COVID, my company cut my pay 20 %. I was behind and making less and i STILL caught up and paid off my mortgage. Now, those same late payments, in spite of my physical and financial hardship are keeping me from getting another mortgage and me and my family are in a state of flux. I am not asking for a hand out, i have already made sure XXXX was taken care of, i am asking for mercy. XXXX wrote me back and pretty told me to go XXXX myself with a standard letter that i will attach. If i could get any of those late payments removed, i will not be stranded in my current situation. I am begging for mercy and XXXX does not care because they got their money. I lost a TON during COVID and i had a ton of issues making payments but XXXX got theirs. They are UNWILLING to work with me. If they could just remove the late payments from XXXX, any of them, i would be so grateful, words do not describe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: MD
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 following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 

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 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 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent the company a dispute for an account that isnt mine several months ago. Next, I filed a complaint with the CFPB XX/XX/2023 and it has been way over 30 days. I feel like they are prolonging their process and not deleting the account. It is now XX/XX/2023 and still no removal or deletion when the company knows thats not my account or debt.

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 2023-02-08
Company: EQUIFAX, 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:
Misuse of my credit report.

15 U.S.C 1681 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Their investigation did not fix an error on your report

Complaint:
Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Old roommate stole all my personal documents and has been attempting to open accounts in in my name, file tax return in my name then changed all my information w irs, Im going thru identity theft now. She has gain access to cash app and got ahold of my bank accounts. She has a history of counterfeiting and fraud. No one is taking me seriously it seems Ive gotten no results at all thus far

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed bankruptcy and this loan was included and they are adding remarks to my credit report that the loan was sold to another debtor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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:
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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: PA
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 complaint is in reference to CFPB XXXX and failure by Equifax to follow FDCPA : The underlying issue is that no validation of the debt is provided and Equifax is in violation of FDCPA as furnisher has not provide any information since request in XX/XX/2020 ( OVER SEVEN MONTHS ) Error was detected on my credit report and filed an investigation into the matter utilizing Equifaxs online dispute portal Equifax 's Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( OVER SEVEN MONTHS ) Despite no response from the company, Equifax verified the information Equifax has a duty to validate information, not pass the burden to the consumer. 

This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA. 

Similar to the previous civil ligation, I have received zero correspondents from XXXX. 

Company directly submitted information to credit bureaus without notification or validation and Equifax continues to furnish and sell incorrect information which has caused denials in credit.

Company response to consumer: Closed with explanation