BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

-15 U.S.C 1681 section 602 A. States that I have a 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 written permission. - 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

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 2023-07-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Account Number : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account in question is a charged-off account that has been reported by XXXX XXXX XXXX XXXX I am disputing this account based on violations of the Metro 2 credit guidelines. According to these guidelines, charges off account should be reported accurately and fairly, an ; d any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistent across Credit Bureaus 2. Remarks inconsistent across Credit Bureaus 3. Time Late inconsistent across Credit Bureaus 4. Month 's Reviewed inconsistent across Credit Bureaus 5. Payment history inconsistent across Credit Bureaus XXXX XXXX XXXX and requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute letter for your reference.Based on these violations, I request that you remove this account from my credit report. Please investigate this matter and remove the account from my credit report if you find that it has been reported inaccurately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a complaint and tried to dispute it through credit karma, but nothing happened. I have an collection on my account that was supposed to come off but never did. I paid it already, and the addresses on my report are outdated.

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 2022-02-11
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency XXXX XXXX XXXX flagged my credit as a collection account on XX/XX/XXXX. The company flagged my XXXX, XXXX and XXXX reports for an amount of {$1300.00}. I immediately disputed this collection account because I have NEVER been contacted by this company via mail or phone. I have no knowledge of this company nor this debt they claimed I owed. By them unfairly placing this invalidated debt on my credit, my score dropped XXXX points on all three credit reports. In addition to that majority of my Creditors have reduced my credit limits, making this problem snowball into an even bigger problem. I disputed this collection account with all 3 Credit bureaus onXX/XX/XXXX. At the conclusion of that, XXXX XXXX still had not contacted me or sent me any correspondence to validate this debt. They in fact only updated the date they claimed to open this collection account. They now claimed to have opened this collection account XX/XX/XXXX, which was false. I have proof this account was reported in XXXX of XXXX. According to the CFPB Rule 12CFR1006.30 that took effect XXXX XXXX, it requires all Debt Collection agencies to contact the consumer before providing information about a debt to any Credit bureau. XXXX XXXX has broken the law and ruined my credit. If this matter can not be resolved, I do plan on taking it further to restore the damage they have caused me and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated RESPONSE stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have submitted information that " was not in your file ''. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on ( XX/XX/2022 ) by the CFPB PORTAL XXXX  XXXX ) that I questioned the accuracy of a few items on my credit reports. That complaint was written by me and submitted by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Here again is the incorrect information being reported : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is inaccurate and must be deleted. This is the original account that STILL REMAINS ON MY CREDIT REPORT THAT XXXX IS ALLOWING TO BE REPORTED AGAIN BY XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account number XXXX**This is a duplicate account and must be deleted. 3. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account numbeXXXX XXXXXXXX This is a duplicate account and must be deleted. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-05-23
Company: EQUIFAX, INC.
State: MO
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 has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: FIRST ADVANTAGE CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Company name first advantage I applied for XXXX in the past and I have been hired the two times first advantage  has reported my background check they have violated the 7 year background reporting and theres a mistake on one of the cases for my suspended license I paid my fine and I never got a misdemeanor I have the paperwork from the courts for my other misdemeanor for XXXX that was 13 years ago its past the limit is in my state with I reside in XXXX I paid my fines and completes classes I have court documents therefore they are not to disclosed anything past the limits the date for that court filling was XX/XX/2008 I had already disputed this with them many times I have worked for XXXX since XXXX was rehired three times and two of those times first advantage has done my background and other companies have also done my background in the state of XXXX  XXXX has done my background for XXXX  and Ive never had an issue. First advantage can not disclosed something I dont have to disclosed because of statue of limitation laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX  days 0

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 2023-07-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to express my strong dissatisfaction with the credit reporting agency. Despite my many attempts to fix the problem, they have consistently ignored my requests and shown a lack of commitment to making sure credit reports are correct. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, XXXX, Equifax, and XXXX chose to ignore my previous complaints. It's clear that they didn't have good procedures in place, which led to credit reports that are not as accurate as they should be. According to the rules, XXXX, XXXX, and Equifax are supposed to investigate and respond to my disputes within 30 days. But I haven't heard anything from them, and they haven't made any effort to look into the mistakes in my credit report. This situation has caused me a lot of stress and frustration. I trusted these credit reporting agencies to handle my information responsibly, and their failure to address my concerns has made the problem even worse. I demand that they quickly investigate thoroughly and give me a satisfactory response about the mistakes in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
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:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and XXXX Are reporting balances and Late payments on closed accounts on my credit report. If the original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. They are not original creditors as follows 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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX 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 a 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information on 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 non-monetary relief
Consumer complaint received 2022-02-11
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX so keeps calling me over and over again after telling them to stop calling. They always insist on me giving them a date to call back but i do not want them to call. They call every single day and sometimes multiple times a day. I DO NOT WANT ANYTHING TO DO WITH THEM. They are annoying and will never get a penny out of me for being so annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received the initial demand letter in regards to collecting debt. Harris & Harris has not verified they are handling the account. I have not received any letter correspondence about this account. I called & tried to confirm, and XXXX provided me inaccurate information about process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
so i overdrfted my citizens bank of {$45.00} too my XXXX  ..few hours later i refunded the money to the bank... the bank account got closed for fradulent activity band i havent been able to open another bank ever since..whenever i try to open i get the message saying : due to the consumer report information provided your account cant be opened..so ireally dont know what to don..im just hoping you guys can resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated RESPONSE stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency and have submitted information that " was not in your file ''. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on ( XX/XX/2022 ) by the CFPB PORTAL ( XXXX ) that I questioned the accuracy of a few items on my credit reports. That complaint was written by me and submitted by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. XXXX XXXX is account number XXXX This account is inaccurate and must be deleted. This is the original account that STILL REMAINS ON MY CREDIT REPORT THAT EQUIFAX IS ALLOWING TO BE REPORTED AGAIN BY PORTFOLIO : XXXX. XXXX This is a duplicate account and must be deleted. 


XXXX. XXXX This is a duplicate account and must be deleted. 


I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is reporting a mortgage ( XXXX ) on my credit report as 30 days past due. However, this account was paid in full and closed on XX/XX/XXXX. It is XX/XX/XXXX - there is no way that an account that was paid in full over 5 months ago is currently 30 days past due! The incorrect reporting is hurting my credit score and impacting my ability to obtain new credit. I have contacted TransUnion numerous times about this, and they refuse to fix it. XXXX and XXXX are reporting the account correctly as paid, closed. You can review the account on my report more closely and see that TransUnion has never marked the account passed due ON ANY MONTH prior to the date I paid the account off. HOW IS AN ACCOUNT THAT HAS NEVER HAD A DELUQUENCY AND IS PAID IN FULL MARKED AS 30 DAYS LATE 5 MONTHS AFTER THE PAY OFF!!

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 2017-11-22
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX, I entered into a payment plan with Navient. They said my autopay for the full payment before the payment plan would be canceled even though it was due on XXXX. When I looked at my bank account on XXXX, they took out both the autopay and payment plan payment. I immediately called and they said they would refund the full payment that wasnt supposed to be processed but it would take 5 to 10 business days to be refunded. Having both payments taken out caused my account to be overdrawn. I was told during that call, I would be refunded any overdraft fees as long as I could show that Navient caused the overdraft. I had several online orders pending using my XXXX debit card authorized on the XXXX and completed on the XXXX. The funds for those officially got taken out of my account on the XXXX, XXXX and XXXX. I had an automatic payment plan that was due on the XXXX and it was not able to be changed as it had already been charged through their system. These caused me to have 7- {$35.00} overdraft fees. 
I received the refund for the payment on XXXX. I then called them once I had my statement of transactions. They issued {$70.00} for the 2 overdrafts for their payments. The representative said that she couldnt refund the additional as it was policy to only cover the overdrafts due to their payments. I then spoke to her manager and he asked why they should reimburse me. I explained that the 2 payments took almost half of my income and that I had money that I was planning on depositing to cover my payment plan payment and the additional charges that were to be coming out as the purchases were initiated prior to knowing that both payments processed. He said that if I could provide the receipts showing that the payments were authorized or scheduled before both payments were withdrawn that they would reimburse me for those transactions. 
I called back on XXXX after I uploaded the documents and receipts to them. The receipts all show a date of XXXX or before. The manager that time claimed that those receipts were after the date the loans processed so I should have known that both payments were coming out despite me being told that the autopay payment would be canceled and not come out when I entered into the payment plan. I didnt know until the XXXX about that and that I continued to spend even though I knew my account was overdrawn. I tried to explain to this representative what the manager the day before told me. The manager did notate the account that they would reimburse me but that the representative said his supervisor said they were after the XXXX but the first manager said they would cover anything before the overdraft was discovered. That supervisor wouldnt even allow me to talk to them and only gave me the answer through the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief