BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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've called all three  bureaus on XX/XX/2003 to dispute the inquiries that are reporting on my credit report, and to no avail my requests have been ignored. I've mailed letters certified mail, XX/XX/XXXX to Transunion ( tracking # XXXX ) XXXX ( Tacking # XXXX ) XXXX ( Tracking # 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 2021-03-11
Company: PROVIDENT FUNDING ASSOCIATES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I purchased our current primary home XXXX years ago XXXX XX/XX/XXXX XXXX, with the help of XXXX XXXX. The 3.875 % XXXX annual interest loan was subsequently sold to Provident Funding Associates, L.PXXXX ( Provident ) about a year or two later. On or about XX/XX/XXXX, after making nearly XXXX consecutive timely monthly payments, we decided to refinance with Provident, seeking a 2 %, XXXX loan to reduce our interest expense and shorten our payoff date. Along with the application, we submitted everything that was required, as confirmed in writing by a company representative. Subsequently, we received a long list of additional requirements, many of which were not pertinent, as if someone did not pay attention. We fully responded to this second set of requests, too. Unfortunately, this was not sufficient for Provident staff. They insisted that I prove the payoff of a XXXX loan for one of my three fully paid off properties. The loan in question for the sum of {$36000.00} was funded by XXXX XXXX. Though I misplaced the paperwork, this loan was paid off in XXXX and has dropped off my credit report because of how old the pay-off date was. Provident staff pulled my credit report on XX/XX/XXXX, so they are aware of this information. XXXX XXXX  was purchased by XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX, long after our commercial relationship ceased. Provident staff has refused to reach out to XXXX to confirm that there is no outstanding loan. They also refused my request to include this phantom loan in their underwriting of our refinance application. My wife and I earn $ XXXX a month, have approximately {$4000.00} in total monthly expenses, and have no debt, except a {$150000.00} balance on the loan with Provident. We also have enough liquid resources to pay-off the mortgage balance if we so desire today. Given this profile, we see no reason why we do not qualify for a refinance. We significantly have less debt now than when Provident purchased our loan from XXXX XXXX, have more assets including liquid ones, make more money, and are already on their books. Perhaps, they can come up with a justifiable reason, other than saying we asked for the application to be withdrawn in their XX/XX/XXXX denial notice, which is total fiction. Our appeals on both the telephone and in writing did not yield any fruit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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.

Account Name : 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 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 has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX XXXX, Consumer have come to the understanding that TransUnion is in violation of my rights to privacy and did not give Transunion the written instructions to furnish such information on my consumer report. ( PLEASE SEE ATTACHMENTS )

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 2022-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote Equifax two letters to dispute two accounts they are reporting the payment status inaccurately. One letter was in XX/XX/2022, the follow up was in XX/XX/2022. 

Ive included both letters as well as copy of both credit reports with highlighted inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Exeter Finance Corp.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputed with credit reporting agencies and to no avail. 

Exeter Finance repossessed the car over three months ago. I received no paperwork about auction and sale of vehicle. Debt is still illegally amounted on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
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: Account status incorrect

Complaint:
XXXX does not have any way to contact them to dispute. They keep reporting my account in collection when I have already paid them in full. This inaccurate negative reporting has gone on for several months now and is affecting my credit privileges.

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 2023-05-24
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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:
In accordance with the Fair Credit Reporting Act Navient Account # 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 an account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: SYNCHRONY FINANCIAL
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This debt is for a Care Credit card issued from Synchrony Bank. It was agreed to supposed to be deleted from my credit report and is still there.

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 2019-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
will I'd themselves. told stop call send mail. they will not id themself and ask for address verification immediately. I hv to hang up on them. threatened to sue etc. years this has been happening. block their no. and another no. will call thru with same tactic to verify personal info. always live person, mostly female voice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
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: Investigation took more than 30 days

Complaint:
I have attempted to contact all three major credit bureaus, including TransUnion, XXXX, and XXXX, in order to address errors on my credit report and improve my credit score. Despite these efforts, I have not received a satisfactory response from the bureaus within the required 30-day timeframe, and this failure to respond has had a negative impact on my credit and financial situation. As a frustrated consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights are protected and that the credit bureaus are held accountable for their lack of response.

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 2022-04-06
Company: LJ Ross Associates
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LJ Ross Associates , Inc. for committing identity theft. I have never given LJ Ross Associates XXXX Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( XXXX ). 
I have never received any documentation requesting validation from LJ Ross Associates , Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( XXXX ) which the FTC defines as debt parking. If LJ Ross Associates , Inc. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LJ Ross Associates , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LJ Ross Associates , Inc. continues its collection efforts, I will file for litigation for actual damages caused and LJ Ross Associates , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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.

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 inructions 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 2022-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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 recently checked my credit report and noticed an account with Portfolio Recovery reporting in which I had never opened so I sent Portfolio Recovery a debt validation and cease and desist letter on XXXX. I then filed a FTC report. Portfolio Recovery has been negligent and has not responded or validated this fraudulent account or stopped the negative reporting to the consumer reporting agencies. This has caused my reputation great harm. I never signed a contract with Portfolio Recovery or authorized them to share my information with third parties. Portfolio Recovery is in violation of the 15 USC 1692g ( b ) because they are still reporting this negative account even though they haven't validated the debt. I have filed a complaint with the attorney 's general and a complaint with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, i am reporting Experian for reporting incorrect information because i have disputed XXXX XXXX several times and they stating the company is verifiable my account, so i called XXXX XXXX  again for the 6 x and a supervisor told me that my account is sold and they no longer have my account and that they have not been reporting to the credit bureau because they do not own that account no more, i ask why are they still showing on my credit they told me that i will have to dispute it with the credit bureau because they dont report on accounts they have sold to other companies that they no longer own

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 2023-09-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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.

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 inructions 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX Account name : 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 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