BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Aspire student loans changed their reporting guidelines and didnt not notify their customer base. I kilt I work for XXXX and monitor my report daily. I was delinquent with my account but started repayment in XXXX of XXXX. Since then they have changed the payment status from on time, to late multiple times over the last year. Even though I am in repayment, they told me that the choose to report that the account is still in collections or over 120 days past due although I am making my payments. That is issue number one I have, my credit took a huge hit ( over 100 points ) because of them changing the payment status multiple times. I filed a dispute with three credit bureaus but the damage to my score has already taken place. I have made payments on time on an automatic payment plan though I am still being penalized while in repayment, that doesnt seem fair to me. Also, this company confirmed when I called in that they did not alert their borrowers of their changes in reporting so I fear there are thousands that have been negatively effected by their changes they kept secret. This needs to be addressed, they should be held responsible for not informing their clients of these updates. So two issues with this company, even though you are in repayment and current on those payments, they still report you in collections or over 120 days past due negatively effecting our credit and not providing a true representation of my credit behavior. And two, this company made reporting changes that effected their consumers credit reports and they failed to alert or notify anyone of these changes. If I wouldnt have called in and talked to over 5 people I wouldnt have know either.

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 2022-03-27
Company: Experian Information Solutions Inc.
State: OH
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 recently received a copy of my XXXX, XXXX, and Experian credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXXXXXX XXXX  XXXX ( 6 Late payments ) XXXX XXXX XXXX XXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX, XXXX, and Experian making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.

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 2023-03-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found in my credit report. I have identified several inquiries that were made without my authorization, and I believe that they may be fraudulent. I would like these items to be removed from my credit report immediately. 

The following inquiries were made without my authorization : XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX - Inquiry date XXXX XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX Additionally, I have identified two accounts on my credit report that I believe to be in error. The details are as follows : XXXX - Account number : XXXX This account has a payment history despite being charged off. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I do not recognize this business and I would like this account to be investigated to ensure that it belongs to me. Please delete this account from my credit report. 

I understand that you may require additional information to verify my claims. Please let me know if you need any further details or documentation from me to support my dispute. I appreciate your attention to this matter and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently received a copy of my Transunion, XXXX, and XXXX credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXX XXXX  XXXX ( 6 Late payments ) XXXX XXXX XXXX  XXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Transunion, XXXX, and XXXX making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.

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 2020-03-18
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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX I complained to Experian that my credit score and credit information has not been updated since XX/XX/XXXX. No action has been taken nor have I received notification of any action being taken.

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 2023-11-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I have several unauthorized and fraudulent inquiries reporting on my consumer report and I am being heavily affected by them. These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized any of these companies to view my consumer report. Not only is this a breach of privacy but your company is also in direct violation of the FCRA. I am requesting you validate and verify these inquiries by providing me with a contract bearing my signature that authorized all inquiries. 

If this documentation is not provided to me within 30 days these inquiries must be removed immediately, if you fail to do so you are willfully in non-compliance by continuing to engage in fraudulent practices. Furthermore, you are in violation of the FCRA. 

Thank you for your attention in this matter, XXXXXXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
According to 15 U.S. Code 1681 Congressional purposes, it is the purpose of the subchapter to require that consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer credit, personal insurance, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter. 
There exist an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts, congressional purposes, and reasonable procedures prove that I have received a delivery of goods come to my home and search for the goods they say I received in possession of the goods or come and see my computer or tap into my bank account so you can see what these alleged possessions are as an a requirement under 15 US code 1681c-2 ( c ) ( 1 ) ( C ). please prove this hearsay is not admissible. This is according to federal rules or procedure and evidence. Therefore, these accounts must be removed. You can not lawfully prove that I received any delivery of good services in money. These accounts are not related to transactions by meet the consumer, therefore as a result of this identity theft, these transactions must be removed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
In XX/XX/2023. XXXX XXXX reported late payment on my credit report and after thorough investigation, the company found out they made an error reporting late payment to 3 credit bureaus. This account was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe may be fraudulent and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, there are several unauthorized inquiries on my credit report that I do not recognize and did not authorize, which I am requesting to be removed immediately in accordance with my rights under the FCRA. 

The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX - Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX In addition, there are several accounts listed on my credit report that have questionable names and account numbers that I do not recognize, which I am disputing in accordance with my rights under the FCRA. The details of these accounts are as follows : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report, and I am requesting that you investigate these items and take appropriate action to remove them from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, 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:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions 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:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.

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 2023-03-13
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: MD
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 have reached out to these XXXX companies numerous times regarding fraudulent information on my credit report and enough is enough. They want you to mail stuff in I have, kept the receipts, everytthing and to of course, no surprise I have yet to receieve a response. My next step is to sue under the violation of the FCRA act as well as for defamation of character, loss and trauma.

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 2018-03-16
Company: Experian Information Solutions Inc.
State: IL
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:
Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and 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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
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: Account status incorrect

Complaint:
I am writing to formally dispute and request the correction of inaccuracies pertaining to my student loan accounts that have been reported to credit bureaus. Despite multiple attempts to rectify these inaccuracies, they persist on my credit report, causing significant concern and adversely affecting my financial standing. 

Loan Account Inaccuracies : First Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( 90 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Second Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Third Subsidized Loan ( Loan Date : XX/XX/XXXX ) : -Entered Forbearance : XX/XX/XXXX -Entered Repayment : XX/XX/XXXX -Experian : Late payments reported for XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), and XX/XX/XXXX ( 90 days ) despite being in forbearance. 

Furthermore, in accordance with 20 U.S. Code 10786 - Default reduction program, the record of default should be removed from my credit history, as my loans were consolidated and transferred to DEPT OF EDXXXX 

Additionally, my XXXX account indicates that my loan status for the account originating on XX/XX/XXXX is " cancelled '' effective XX/XX/XXXX. 
Given these circumstances, it is clear that these accounts should not be reporting inaccurate late payments, and they should not even be present on my credit report due to the provisions of 20 U.S. Code 10786.

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 2022-08-14
Company: EQUIFAX, INC.
State: OH
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 have asked for XXXX to verify the accounts but I still found some inconsistencies with these accounts with XXXX XXXX  # XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.

Company response to consumer: Closed with explanation