BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: MO
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:
My compliants with Credit Reporting Agencies are reporting errors on my credit reports that not accurate, I have disputed serveral times with Credit Reporting Agencies and provided documentation to show they are reporting errors on my credit reports Credit Reporting Agencies overlooked my proof still go with thier own decisions not acknowledge my documentation that I'm showing proof to take into consideration when correcting or updating my credit report. Experian reporting three late payments and comments on closed accounts which is Error, XXXX  reporting Bankruptcy and comments on closed accounts which is an Error and XXXX  reporting Bankruptcy and comments on closed accounts which is an Error. I have also disputed with all three Credit Reporting Agencies XXXX, XXXX  and Experian of unauthorized inquiries serveral times and contact company that reported to let them know as well it was unauthorized inquiry still no one wants to take actions to remove 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 2023-05-04
Company: Experian Information Solutions Inc.
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:
Ive tried multiple attempt to have information on my credit report blocked. Due to collection agencies not following proper protocol pursuant to my right as a consumer involved with Title 15 U.S.C. These companies have not been doing what is fair and equitable to me as a consumer, as my rights have been violated. I have sent dispute letters explaining the issues, and no proper remedies were made. 

Dates I contacted these companies XXXX XXXX XXXX XXXX XXXX XXXX CRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian CRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA XXXX XXXX XXXX XXXX  For reasons of inaccurate reporting of accounts on my credit file. 

They did respond just not in a timely manner but informing me that all account were accurate but with no proof of any kind shown to 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 2021-01-14
Company: FIRST NATIONAL BANK OF OMAHA
State: OK
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:
First National Bank of Omaha Visa refused courtesy skip payment during initial months of COVID 19 in XX/XX/2020. My income as an XXXX was interrupted And Unemployment benefits were impacted by fraud until XX/XX/2020. Despite no gainful employ, payment was made from my savings through XX/XX/2020. Many attempts were made with detailed description to FNBO customer support of stopped income, however no assistance was offered, despite my asking. Help was offered from my other major credit card companies - XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. The courtesy to assist per 'skip pay ' came in varying degrees from all minor accounts as well. FNBO is the exception. XX/XX/2020, I submitted a detailed letter of my actions, and checks totaling {$800.00} to settle accounts. Detailed letter and check memo stated cashed checks submitted with company 's endorsement is acknowledgement that the debt has been settled in full and no further action from FNBO will be taken with regards to accounts involved. Checks were posted and paid from my bill pay account XX/XX/2020. Collection calls from FNBO have been constant since XX/XX/2020. I have spoken with customer service and management ( XXXX ) as recent as tonight. Even though record of payment is acknowledged there seems to be an unwillingness to show account closed/paid or to return funds so as to resume monthly payments. I am unable to do both and have made this known to them. I am disappointed this creditor offers no solution, yet instead is insisting more payment with added late fees. Thank you for assisting.

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 2021-01-14
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:
checking my reprort today and i noticed someone used my informtaion to open accounts and call to inquire about stuff .. 

anything reporting as inaccurate on my report should be removed is against my rights someone had brung to my attention known as the fair reporting credit act. 

im trying my best to better myself in life and this is hindering me from doing so.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: TN
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies didn't make sure it was 100 percent correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 percent accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps the agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
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:
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, BK OF AMER add a hard inquiry on my credit report per 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my profile.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: MI
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 account number : 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 th
at 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 2021-01-14
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyota Motor Credit or Toyota Motor Credit Leasing is reporting derogatory information to XXXX, XXXX  and XXXX. The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet Toyota, XXXX, XXXX  XXXX XXXX have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires Toyota to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, Toyota, XXXX, XXXX  and XXXX  have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to Toyota remain on my credit file, despite Toyota, XXXX, XXXX  and XXXX  being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, Toyota has providing nothing despite my notices a e demands and all are in violation of The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
UNKNOWN INQUIRES MADE ON MY CREDIT REPORT, I CONTACTED THE COMPANY AND THEY ARE NOT WILLING TO REMOVE THE INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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 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 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 2023-04-12
Company: EQUIFAX, INC.
State: IN
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:
XXXX and Equifax have incorrect amounts, that are and have been paid in full, on my credit report. XXXX and Equifax have been notified of the inaccurate information at least 4 times for the XXXX collections account that has been paid. It should be noted that collections accounts were paid on XX/XX/2022, and that I have subsequently disputed 6 collections accounts with an average of 4 disputes per collection account corrected of inaccurate information. When I filed the dispute for XXXX collections, after paying off the account over 45 days ago, XXXX duplicated the collections account and left it on there even after being notified 4 time through dispute that the original amount has been paid. XXXX removed the duplicate amount of the full collection duplicated amount, and posted a duplicate XXXX Collections account with the difference between the offered settlement, which I paid, and the total collected amount. There is no way that XXXX could know the difference unless they knew the account was paid. I have it on recording that the settlement offer will reflect paid in full. This in no way justifies XXXX taking on average of over 4 months to correct inaccurate information. This in no way justifier XXXX purposely administering targeted discrimination against me. I have filed a previous complaint regarding exactly this scenario. Now we are almost half a year into correcting inaccurate information on my credit report. At this point disputes are incurring me retaliatory charges. I submit that XXXX and Equifax are engaged in illegal and discriminatory business practices and I desire to follow up to the full extent of the law. If XXXX and Equifax have inaccurate information, especially after being notified 28 times ( 7 accounts 4 disputes each ), for half the year, then what good are they? Do other people have to file 4 disputes each on accounts paid? Do other people have to wait 6 months to have inaccurate information removed? Are XXXX and Equifax currently engaged in discriminatory business practices directed at me? Im going to file a complaint with the State as well. This is highly unusual business practices, and the amount of time to correct paid accounts is completely unacceptable. The targeted retaliation is icing on the cake

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the 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 2018-07-08
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Cavalry SPV l. LLC. a Junk Debt Buyer is trying to sue me for a very old debt. they are trying to sue a XXXX person on ssid = me. they are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: LA
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MI
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/2023 I sent Equifax a letter informing them of unauthorized collection on my consumer report. I requested them to be removed from my consumer report they have not responded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I enclosed a letter dated XX/XX/XXXX with my monthly XXXX payment of {$110.00} + {$100.00} Principal that included explicit instructions for handling any overpayments ( payments over the amount billed ) I might make. This letter and payment due on XX/XX/XXXX was received by Navient on XX/XX/XXXX and the letter also instructed Navient to retain the instructions and apply them to all future over payments. These instructions included directives to apply any over payments to the principal balance of the loan with the highest interest rate, and not to reduce my monthly payment or put my loans into Paid Ahead status, etc. 

For my XXXX monthly payment due XX/XX/XXXX, I sent a check in the amount of {$1200.00} which was received by Navient on XX/XX/XXXX. After this payment was processed by Navient, my next monthly billing statement dated XX/XX/XXXX and due XX/XX/XXXX from Navient was for only {$58.00} as were all subsequent bills. When I paid my XXXX, XXXX and XXXX bills I enclosed a letter asking them to put my payment amount back to {$110.00} and asking them to explain why they changed it against my explicit instructions not to. I have received no explanation to date and my monthly payment remains at {$58.00} despite my repeated requests. As best I can tell, it looks like Navient stopped billing me {$26.00} for Loan XXXX almost like it was put into " paid ahead '' status, and they also stopped billing me another {$32.00} as well. Note that Loan XXXX is currently the loan with the highest interest rate! 

I have attached the following documentation : - My XX/XX/XXXX letter and payment handling instructions to Navient - My XX/XX/XXXX letter asking for an explanation and to have my payment changed back to {$110.00} - My XX/XX/XXXX letter asking for an explanation and to have my payment changed back to {$110.00} - Navient Loan Information dated XX/XX/XXXX prior to my {$1200.00} payment and showing {$110.00} due - Navient Loan Information dated XX/XX/XXXX after my {$1200.00} payment and showing {$58.00} due and {$0.00} due for Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is not belong to me. It is fraud! This is causing me a lot of stress and 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 2021-01-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
As a victim of a long string of identity theft, I have learned that Equifax is not only responsible for a great deal of these incidents that have essentially ruined my financial life, ( which in turn makes every other aspect of life stressful and detrimental to my health, ) they also seemingly need more than just the dispute process numerous times to make an account proven to be fraudulent and removed from everywhere else, go away. 

I had a collection account falsely issued to my credit and after disputing with documentation to all the bureaus and then CFPB, I finally made progress. Except with Equifax. It still remains. It was a XXXX credit card opened sometime in XXXX that was reported on my reports in the midst of the pandemic and economic crisis of XXXX as a charge off and now collections. As of several months ago it was finally removed on every other report and actually shows as current on Equifax. Yet, still right now, it also says charge off. 

I have lost my opportunity for funding through the XXXX due to my credit score THAT EQUIFAX IS SOLELY RESPONSIBLE FOR! I was an accident XXXX months ago and had the hardest time getting another car because of EQUIFAX!! This is criminal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
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: Old information reappears or never goes away

Complaint:
Equifax continues to report nonsense on my credit report. I have repeatedly sent letters verifying and indicating that the information they are reporting is inaccurate and needs to be removed. They remove it for a month and then place it back on my credit report. I am taking them to court in small claims court I have documentation to prove so. This is becoming ridiculous I have been dealing with them for a year now.

Company response to consumer: Closed with explanation