BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX   XXXX. ( Please see attached spreadsheet with account number along with pages 7 13 of my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

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 2019-04-09
Company: Nelnet, Inc.
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:
In response to CFPB complaint XXXX XXXX approved monetary relief for my private student loan under its permanent XXXX program for military veterans. I have contacted XXXX and XXXX to notify them that the credit reporting agencies are still showing I owe the debt + interest. XXXX on several occasions informed me they do not service my former loan and that I need to contact XXXX. When I contact XXXX, XXXX tells me XXXX does service my loans and they have been instructed to remove and perform the appropriate actions. I again contact XXXX and is told the same information " we do not have any information on your loans, your loans is with a different servicer possibly ''. XXXX also told me that I should probably dispute the information with the XXXX credit agencies. 

I contacted all three agencies and opened a dispute and each dispute was closed as " No Change, Creditor validated information on report is correct ''. Therefore, the credit agencies still is under the impression I owe this debt despite me sending them the letter from XXXX showing the loans should be removed. 

I have uploaded the original complaint, the letter from XXXX, and the response from one of the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: TN
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 a car loan with XXXX XXXX  # XXXX and they partnered with another company XXXX XXXX XXXX # XXXX and they both show a balance due on all three credit reporting agencies and I have disputed this for months and nothing has changed. This is detrimental to my credit. It is preventing me from getting other loans as it shows that I owe two loans and I only owe On one. 
This is double reported on my credit reports! 
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 explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TRANSUNION continues to report a fraudulent account that was not opened with my authorization. I completed an identity theft report with XXXX County sheriff office. They claim the account has been verified and is unable to fire Ish documentation that this indeed was me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi I had a PNC CHECKING FIR 2 YEARS AND JUST OPT INTO OVERDRAFT PROTECTION AND HAD IT 2 WEEKS AND GOT HIT WITH 12 OVERDRAFT FEES. I AM A VICTIM OF IDENTITY THEFT AND BELIEVE MY ACCOUNT WAS PLAYED WITH I SHOULD ONLY HAVE 1 OVERDRAFT OF XXXX DUE TO MAKING A MISTAKE AND CLICKED ON MY DEBITCARD. WHEN I MADED A PURCHASE OF XXXX. I AM A XXXX  CITIZEN AND THESE PURCHASES WERE DEBIT AND ADDED BACK A LATER DATE AND MADE MY ACCT OVERDRAWN. ONE XXXX  OF XXXX FROM MY SISTER WAS ATTACHED TO OVERDRAWN FEES AND THE MONEY WAS POSTED BEFORE I SENT TO MY XXXX  XXXX AND ITS NOT RIGHT. PNC KNEW I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted TranUnion per phone call on XX/XX/19, approx XXXX in reference to their response letter received per my to my dispute. My dispute included requested information in relation to me exercising my rights under FCRA Section 611 ( 6 & 7 ) - Method of Verification of an item on my credit report. 
The first rep that I had spoken with ( XXXX ) stated that she can not supply me with this information ( Method of Verification ) and stated TranUnion uses a third party company that verifies this. I then asked for her supervisor ( XXXX ) of which I was transferred to her. The supervisor as well refused to supply me with information to not only who the third party company is that TransUnion uses but did not supply me with the Method of Verification per FCRA  Section 611, 6, A & B. 
As a Consumer, I have the right to request this and as well receive this information per the Federal Credit Reporting Act as stated above. This Credit Reporting Agency ( TransUnion ) is in violation of this Act. They have not conducted a thorough investigation, rather then utilized a third party company ( of which is not the " Furnisher '' of this account I'm disputing ). 
I left the conversation stating I was going to file a complaint with CFPB as well with the State Attorney General 's office.

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 2019-02-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This issue was acknowledged Spring XXXX. I realized two paid in full loans from XXXX were no longer reported on Equifax credit report. I contacted Equifax and was told creditor needed to resubmit information, it couldn't come from me. I then contacted creditor and advised of issue with credit report. The creditor faxed information to Equifax and mailed loan information to me. I then faxed information provided to Equifax. I was told by Equifax if the information was previously reported, there was nothing that could be done after following instructions to fax information provided by Equifax & creditor. 
There was a constant back and forth between me contacting creditor ( XXXX XXXX XXXX in NC ) and Equifax to get this issue corrected, for this is a major part of my credit report and history. I was then informed by representative at Equifax that it takes a couple days for them to review faxed information and to give it some time to reflect on my credit report. After reviewing recent credit report the issue still remain, nothing is updated thus far regarding loan information. I then contacted representative at XXXX XXXX XXXX who submitted information in XXXX. She refaxed information to Equifax and mailed me another copy which I faxed to Equifax as well. I submitted complaint and chatted with live representative I was emailed case number XXXX. Please assist with prompt action regarding information provided for this issue affects overall life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing the collections on my account as it is not my address and I never lived there and it is not my charge. 

CREDIT MANAGEMENT LP XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

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 2023-03-01
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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2021-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up auto-pay in XXXX for XX/XX/2020 payment. Payment was not applied and I ws notified of a late payment. I thought that mayabe I had an issue with setting up the auot pay and simply went into the online account and set it up for XX/XX/XXXX payament, again. That payment did go through but was supposedly received late. I called and asked why that happened. They stared that it did not show up as an auto payment and I had gone into my bank and paid the amount. Definitely was not true. Even if that ws true, I have never had a problem making a payment on the due date or few days before this entire year. However, the CapitalOne representative stated that this was not their issue and banks are sometimes late getting the payment to them. I havehad this caerd for quite a while and have never had an issue. There is something very fishy about payments are all of a sudden not going through in a timely manner and setting up online auto pay doesn ; t fix the issue. I had set up the auto pay for the XXXX of ech month, the due date. CapialOne rep states that if the monies are not received on that date then it is my fault. I thought, if the XXXX  lands on a holiday or weekend, then the financial institution has to take the payment prior to that date not after, so as not to cause a late payment on the cardholder. CapiitalOne Rep offers to set up autopay plan for me while I am on the phone, which I agreed to..she proceeds to set up the payment for the due date, which was according to her the reason why my payments would be late. She stated that since she was settimg up the autopay that they would guarantee the payments not to be late. What kind of tactic is this where a creditor can pick and choose how they accept and record payments? I was given one of the late payments back but not both. I would like this investigated, because obviously their online auto payment sign up hs issues with correctly informing the customer where or not it was set up properly, I have at least a dozen other competitor accounts and not one of them has had this issue, And prior to me trying to sign up for auto pay, I had not had an issue with CapitalOne 's online payment process either, Please let me know if you can get to the bottom of this issue,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my credit report, I noticed that this late payment account is inaccurately reported, which is adversely affecting my creditworthiness. The account is : XXXX XXXX  Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions. 

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions. The evidence must include color copies of my ID and Social Security Card used to open this account.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case. 

If you can not produce the necessary documents validating this account and these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately. 

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. 

Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made.

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 2022-07-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
15 U.S. Code 1692a - Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Thank u Credit acceptance for stating in the response you sent through the CFPB on XX/XX/2022 that you halt ( cease ) all written collection efforts and telephone communications with me the consumer thank you again for providing me with evidence Credit acceptance you still in violation of federal law pursuant to 15 USC 1692a ( 2 ) Congress stated using any medium the three major credit bureaus are used as medium for communication so you are still in violation of the fair debt collection practices act you are still in communication with me through the three major credit bureaus pursuant to 15 USC 1681a ( d ) ( 1 ) consumer report is use for Communication remove this account from all three major credit bureaus immediately if not I will send my evidence and a Affidavit of Truth to you and to the MichiganDepartment ofAttorney General : Consumer Protection XXXX XXXX XXXX XXXX, MI XXXXand to the Consumer Financial Protection Bureau and to the FTC and to the Office of the Comptroller of the Currency and will bring lawful actions against your corporation for your nonfeasance act and defamation of character with a invoice. I will consult with my legal counsel for suit if need it. I will hold u liable to pursuant to 15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs

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