BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have emailed XXXX over 20 times and havent received 1 single direct response. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my complaint ) and Trellis that ignores 2 important points. There was an additional point but I know XXXX will admit that they lied to a 3rd party for legal reasons. 

Now XXXX at Trellis is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which they were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. Trellis is also ok with them not directly answering the 3 points I have been trying to get directly addressed for months! Its not rocket science simply directly and specifically address my points I need the following directly answered : 2 ) Because XXXX is the original creditor they can contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX  contacts me and they refuse to acknowledge it and confirm that Email and my XXXX XXXX only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with 3rd parties 3 ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXXXXXX, CA XXXX 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 explanation
Consumer complaint received 2021-12-31
Company: Meade & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt of {$480.00} is due to a partial amount of a vet bill I disputed with XXXX and got credit for it. XXXX a hospital I took my dog twice when he fell severely ill and yet on day 1 XXXX hand me a XXXX bill saying everything is fine, day 3 I go back since my dog had no improvement and hasnt eaten in days. They prescribe appetite stimulant and hand me a {$700.00} bill. I put some on my debt card and some on cc. Months go by and XXXX kept sending emails saying I owe them. Trying to avoid any further aggravation and frustration I send an email offering to settle with a payment plan. XXXX says they no longer how the debt. An agency doesnt and they share tudo contact with me. I called some day on XX/XX/XXXX disputing the charge verbally. XX/XX/XXXX I send them an email letting them k pq I still have not received any documentation and I was heading out of town for XXXXXXXX XXXX for the holidays. As planned I left on the XX/XX/XXXX and had not received anything from them. 

Again I reach out to medvet offering to pay on a payment plan basis and told no they could only take full payment. When I told XXXX and associates that bought a bad debt since I had disputed and won. They told me they didnt buy the debt. They are acting ok XXXX behalf. 

Im so frustrated to have to be dealing with unprofessional people who didnt care for my dog but their pockets. When trying to pay and put this behind i am pushed different directions. 

I disputed this charge because on day 4 of XXXX XXXX XXXX I take him to another clinic. He gets XXXX and on XXXX right away. XXXX only collect money and delay my dogs treatment. Thats shouldnt be in business. 
The discharge papers came a day after. 
They called asking what time my dog ate chocolate. They kept my dog for XXXX hours because whoever was supposed to pass my message fo go ahead and do the exams forgot and didnt occur to them to ring my phone. When I called they have the nerve to say they were waiting for my call. 

I tried to simplify as much I could. 
My apologies.

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 2023-03-17
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:
Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2019-10-04
Company: Experian Information Solutions Inc.
State: MS
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report please. I have already contacted the FTC and police department in my area. Items to be removed : XXXX XXXX, XXXX XXXX on experien acct XXXX, XXXX XXXX XXXX. XXXX. I also saw some inquiries that i don't know nothing about 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX asking them to validate a debt that was furnished on my consumer report ( Experian ) .I disputed this account with the consumer reporting agency.I filed a complaint with the CFPB still after filing the complaint with the CFPB the account still came back verified.I found it very strange that this account keeps coming up verified so I called the CFPB and I asked how could this account be verified then I found out from the representative on the phone that companies don't have to show the consumer reporting agencies any proof.So I have a letter I sent to XXXX XXXX XXXX on XX/XX/XXXX asking them to validate the debt.After studying the Fair Credit Reporting Act I found out the company lawfully had to respond to me.So they are way past the the 30 day mark.XXXX XXXX XXXX  is in violation of 15 U.S.C. 1681i section 611 ( a ) ( 1 ) ( a ) .It says the company has 30 days to respond and if they don't respond in that time frame then under 15 U.S.C. 1681i section 611 ( a ) ( 5 ) ( A ) the item must be deleted from the consumer report.I have attached all correspondence below. Experian account # XXXX this count has never been marked disputed.

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 2019-03-26
Company: City Enterprises, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 at XXXX, I received a phone call from a representative at XXXX XXXX XXXX to a late car payment that was due XX/XX/XXXX. I assured the representative that I would make the payment. At XXXX on XX/XX/XXXX, I receive a phone call from the same representative. I asked her not call my phone and that I would pay when I have the time since I was at a meeting at my daughter 's school. She called back from an unknown number at XXXX, which I answered and hung up after hearing the representative 's voice. I have missed calls afterwards from a private number at XXXX. Three calls from XXXX at XXXX. Three more private calls at XXXX. There were also calls made to my fiancee 's phone while he's at work. After the parent meeting, I called back to speak to a supervisor. Their major concern was the late payment of {$100.00} out of {$160.00}. The measures taken is not necessary and is ever necessary. This is not the first issue.

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 2023-01-07
Company: EQUIFAX, 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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX CO XXXX XXXX Balance : {$0.00}. I believe it was reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-12-31
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX. Please update this account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: PA
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 XXXX I sent a complaint to the bureaus they are in direct violation of 15 U.S. Code 1681 a no opt out was given by creditor prior to giving out my personal information this is in violation of FCRA and opt out under U.S.C 6801-6805. 15 U.S. Code 1681b - Permissible purposes which i did not consent to credit reports are supposed to be 100 % Accurate and not misleading to creditors under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation of the FCRA. 

ACCOUNT EFFECTED WITH DERAGTORY MARKS OR CHARGE OFFS. Below ON CONSUMER REPORT. 

XXXX XXXX/ Other Loan Past due : {$2100.00} XXXX Chargeoff XXXX  XXXX  Credit Card Past due : {$2000.00} ChargeOff XXXX XXXX  XXXX  Past XXXX : {$1300.00} ChargeOff ATTCHED IS IRS XXXX XXXX PG XXXX UNDER INTRODUCTION STATES : Introduction This publication explains the federal tax treatment of canceled debts, foreclosures, repossessions, and abandonments. 
Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income.

Note. This publication generally refers to debt that is canceled, forgiven, or discharged.

for less than the full amount of the debt as canceled debt.

Charge offs are claimed as income for tax purposes and should not show up on credit reports.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681 b for permissible purpose and 1681 c for information contained in consumer reports they are also violating compliance procedures under this title.

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 2023-01-16
Company: EQUIFAX, INC.
State: NJ
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 XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX  XXXX XXXXXXXX ) ( XXXX XXXX ) ( XXXX XXXX BANK XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. 

The inquiries that are fraudulent are as follows : XXXX XXXX XXXX on XX/XX/XXXX and there is an inquiry from US SM BUS ADMIN ODA on XX/XX/XXXX. 


The only thing that makes sense is some at the lending company stole my info because I was preapproved when i purchased my home so i never gave my info to have them check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval check that covered the cost of the home.

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 2021-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/XXXX and XXXX of 2021 a car dealership ran my credit multiple times and in some instances to the same creditor. I was very detailed in my request to only have my credit run only once and for a specific bank only as i already had the approval number from that bank that i had gotten prior to going to the dealership. I reached out to the credit companies and they advised me to contact the FTC. 

Capital one finance- XX/XX/2021 ( twice ) XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 XXXX XXXX XXXX ( XXXX XXXX XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation