BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: AMERICAN EXPRESS COMPANY
State: FL
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 was denied credit card with american express not sure why when all of my debts are paid in full. I know about the 1099c, 1099b, ucc3 103, ucc3 104, hjr 192, etc. please delete report off of my record and approve my credit card to me. it is my rights to own one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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 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 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 2022-03-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: CO
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 sent ARS account resolution a validation of debt letter certified on XXXX Ive attached the letter, the signed return receipt as well as the usps tracking as proof of the company receiving my request. I have yet to hear back from them, they haven't sent any proof of this account. 
This is a violation of FCRA and it needs to be removed,

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # : XXXX | Date of Birth : XX/XX/1995 Dear Experian, I am writing to inform you of your continued violation of the Fair Credit Reporting Act ( FCRA ) and to offer a final written settlement before pursuing legal action. As you are aware, inaccurate, unverifiable, and invalidated information remains on my consumer file, despite my previous attempts to have it removed. As a result, I am entitled to pursue litigation and seek monetary damages under FCRA Sections 616, 617, 1681n, 1681o, and 1692k. 

I demand that you immediately delete the following inaccurate items from my credit report : Current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 
Previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Account involved in litigation with incorrect high balance, inaccurate date of last activity, re-aged accounts, reinsertion without proper notice, an undated late pay, a charge-off listed as open, and a collection account with a limit. Please remove this account from my credit report. 
Late payment incorrectly reported on my XXXX account. The account was paid as agreed. Please remove the late payment from my credit report. 
Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), you are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Despite my requests, you have failed to provide me with any original documentation, nor have you provided the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' I demand that you comply with the FCRA and delete the inaccurate information immediately. Failure to do so will result in a formal complaint to the Federal Trade Commission and litigation to enforce my rights under the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-17
Company: Experian Information Solutions 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 account XXXX XXXXXXXX has violated my rights 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 604 section A Section 2 : it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NC
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 hope you can help! I sent a letter to the credit bureaus on XX/XX/2023 and gotten a response and i still have inaccurate information on my report! My understanding is that Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report 4. Identity Theft XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Identity Theft XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and delete from my credit 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 explanation
Consumer complaint received 2022-09-12
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My wife and I are the holders of an FFEL Joint Spousal Consolidation loan which was originated in 2006. When we signed the master promissory note for this loan, which, as far as we know, is still the contract for which this loan, it clearly states that if both parties are eligible for forgiveness, the loan will be forgiven. Both myself and my wife are public servants, our employment has been verified as such, and we reached our XXXX required payment for forgiveness under PSLF several years ago. We have been repeatedly denied PSLF with the rationale that joint spousal consolidation loans are no longer given, and can not be separated to be consolidated into a Direct Loan. As you can see in the attachments below, our master promissory addresses this fact, and states that these loans CAN be converted to Direct, and that if both parties are eligible, the loan can be forgiven. The only response we have received regarding this is that the " law '' does not allow joint spousal consolidation loans to be separated. We are NOT looking to separate our loans, we are looking for the forgiveness we are entitled to, both as public servants. Nowhere in our MPN does it state that we are ineligible. If I am being held to this MPN to continue paying these loans, then our loan holder and servicer should be held to the clause that states " if both parties are eligible, than the loan will be forgiven ''. I would like to see the specific law or language that prevents our loan from being evaluated for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX 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 2023-01-18
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I look at my credit report I called the credit Bureau stating some used my identity apply for items that not competed by me ask them to delete these inquiries and collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX /Bankruptcy XXXX XXXX discharge XXXX # XXXX /Bankruptcy XXXX  XXXX dismissed XXXX # XXXX / Bankruptcy XXXX  XXXX dismissed XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX employed XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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:
Capital One is placing large payments hold on credit card accounts even though payment was already taken out from my XXXX XXXX checking account 2 business days ago. I have never one had returned payment and I never have paid this account late. I feel Capital One is unfairly targeting customers that make large payments and placing holds on purpose to discourage customers from making large payments. I feel Capital One is doing this on purpose to get customers make smaller payments so that the customer can end up paying interest to Capital One. 

I feel Capital One is unfairly targeting customers that make large payments and placing holds on purpose to discourage customers from making large payments. I feel Capital One is doing this on purpose to get customers make smaller payments so that the customer can end up paying interest to Capital One. I want Capital One to stop placing unfair holds. There is no reason for hold especially for a customer that never has had returned payment in years. I also have a XXXX XXXX XXXX account and XXXX XXXX and neither one is placing holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Caliber Home Loans notified me that they were going to transfer me to their VA home loan refinance department after calling in about my home loan account on an unrelated matter. I have been getting several VA IRRL letter advertising I qualified for a lower rate. I made clear that I did not want my credit run and the loan officer XXXX XXXX XXXX XXXX ) lied to me and told me that since I was already a customer that credit did not need to be run and there would only be a " soft '' run which did not affect my credit in any way. He claimed he was unsure if they could meet the same offers and said he was going to send it up to his bosses. That is the last I heard, then a week later I received many letters in the mail from Caliber, including an Illinois Borrower Information Document form that included none of the information that claimed was required by law. I also received a form asking me and my wife to sign a formal application which I will not be signing. I reviewed two other letters including a form saying Caliber illegally pulled my credit from XXXX saying without authorization. Caliber claims that it was a soft pull and had no effect on the credit. I contacted the credit reporting agency and they said anytime a numerical score is generated that it affects your score and that Caliber homes is lying. They also tried to pull my wires credit without authorization. I asked to speak to a rude manager and he tried to gaslight and also lie and claimed that he did not understand and to his knowledge he does not think generating a score affects credit. The company is coaching its loan salesman to lie and are pulling credit without written consent and then claiming that they are " soft pulls '' even though customers are receiving a letter weeks later with an official credit pull as required by state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-03-03
Company: AFNI INC.
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:
I am a victim of identity theft and someone used my personal information to obtain this account in my name without my permission. 

I recently discovered this fraudulent account on my XXXX and XXXX credit report. I am requesting for this fraudulent account to be deleted and removed immediately because it does not belong to me. 

I did not benefit from any goods or services from this fraudulent account. I have attached a copy of my police report and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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