BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
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: 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 these accounts 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 Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX  : XXXX a XXXX and real living human being ( consumer ) who is the Beneficiary of XXXX XXXX XXXX have received my updated credit report that Equifax said they have verified these disputed items : XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 

How is it possible for these disputed items to have been properly verified because if so they would have been accurate across all 3 credit reporting agencies instead the same inconsistencies of my first two investigation that still remain. I know for a fact that each account disputed has inconsistency of such as incorrect Date opened, Last activity, High balance or last payment entered on my credit report. 

Can you send me the exact process that was used and who determined these accounts were accurate including First name, Last name, badge number, telephone number and position with Equifax and how long they been with the company. Pursuant to 15 U.S.C 1681 ( I ) 7-Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The anxiety and stress this is causing me has me prepared to seek civil damages against Equifax for the violation of my consumer rights & if these accounts are not Deleted immediately that will be my next step. This letter was not drafted by any 3rd party, I am law major and I am very familiar with all my consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a federally procted consumer and i have right under the Fair Debt Collections Practices Act ( FDCPA ), Fair Credit Reporting Act and the Gramm-Leach Bliley Act. Upon checking my consumer report I notice that CARECREDIT shared, provided or transfered my nonpublic personl financial information without my consent or lawful authority which is a violation of my consumer right to privacy. 

It is a Fact, I did not consent to or authorize nor do CARECREDIT have lawful authority to report, provide, share or discolse to any nonaffiliated third party any nonpublic personal information without my express written consent or lawful authority. 

It is a Fact, CARECREDIT have a obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. 

It is a Fact, CARECREDIT have failed to safeguard my nonpublic personal financial information pursuant to 15 USC 6801 ( b ) ( 1 ) ( 2 ) ( 3 ).

it is a Fact, CARECREDIT have violated my consumer rights pursuant to 15 USC 6821 ( a ) ( 1 ) ( 2 ) ( 3 ). 

It is a Fact, CARECREDIT is in violation of my consumer rights to privacy pursuant to 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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:
In XXXX, I had a grant overpayment assigned to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX began reporting the item to Experian in XX/XX/XXXX. The consumer reporting laws state that a negative item can only be reported for seven years. In XX/XX/XXXX, I paid the debt in full and my credit report reflects that. However, the month and year that the item went into collections is incorrect. Experian continues to report that the only month the item was in collections, is the month I settled the debt, instead of what is accurate. The account should be reported as a collection account from XX/XX/XXXX through XXXX XXXX, not XXXX XXXX is long past the amount of time the item can legally be reported. Despite my disputing the item for correction at least a couple dozen times, Experian continues to report this. Experian continues to report that this item entered into collections on the same day that I paid it off, which has restarted the seven year time clock on an item that's actually XXXX years old now. XXXX and XXXX were reporting this same item correctly and as a result, the item fell off without my involvement. Experian responded to my most recent complaint filed with CFPB, by lying, stating that the item is no longer on my credit report. I have filed at least two dozen disputes directly with Experian and never have they claimed that the item did not exist on my report. not once. Instead, there is a person on the other end of my laptop, that opens and closes my disputes with five minutes of my submission. Also, I noticed that Experian has done close to 30 soft pulls on my credit report in the last year alone. Please take a deeper look into which employee is mishandling my credit file. If they are unphased by CFPB, I feel I maXXXX need to take this to court.

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 2022-02-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
entered as co signer on loan XXXX filed XXXX XXXX XX/XX/XXXX credit acceptance collected thru bankruptcy completed discharged XX/XX/XXXX company continuing to display and change info knowingly puting false information in my 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 2023-10-01
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian XX/XX/2023 Friday, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Experian 's XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

Dear Experian, I received a copy of my credit report and am writing to dispute the following information that appears on my Experian report. I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/2023, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611. 15 U.S. code 5 1681b- Permissible purpose of consumer reports. 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 instructions. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. These inquiries were not authorized by me and I would a full investigation and documentation of who may have requested these credit pulls. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to METRO-2 compliance between your firm and your contracted reporting Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. 
Please verify or remove immediately the following : XXXX XXXX Acct # XXXX XXXXXXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete these accounts. 

Also the account : XXXX XXXX- Acct # : XXXX IS NOT LATE AND HAS NEVER BEEN LATE. PLEASE CORRECT AND UPDATE ANY LATE OR MISSED PAYMENTS ASSOCIATED WITH THIS ACCOUNT IMMEDIATELY. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: LA
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:
Inaccurate information on credit report 1. ) Car loan 2. ) Unauthorized, Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After my dispute with XXXX XXXX and pursuing legal for the bureaus involvement in reporting the account inaccurately. All three bureaus have denied my online access to my credit reports. Which is against FCRA reporting standards and regulations. I should not have to send a request by mail.

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 2019-06-05
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have submitted three letters to XXXX XXXX and equifax stating that information on the bankruptcy on my account was incorrect and needs to be removed immediately according to the fair credit reporting act. 

XXXX has removed the inaccurate bankruptcy after my second attempt but not XXXX XXXX nor equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
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:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: SANTANDER HOLDINGS USA, 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 information incorrect

Complaint:
15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: IL
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 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 explanation
Consumer complaint received 2017-09-21
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted by the credit bureau that there was new activity on my credit. Once I checked my credit, I noticed a collection that is not mine. I am not sure who this happened. The accounts fraud.

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 2023-07-13
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello, I have a car loan with credit acceptance, and I am not thrilled with how business is done there. I have contacted the Attorney General in my state and the answer provided from the finance company was. ( We will not call her ). The AG advised me to seek an attorney. I called the finance company because I have been behind on my bill. It is very high and at the time I was making more money than I am today, and I told them I was homeless, but there was nothing they could do to help me. This company places your account in the collection a day after your payment is due. The day after it is due, they are calling you and harassing you on the phone. My credit report is hurting due to this. I was told it was in the contract. They will call you all day on Sunday. I complained about that. 
I called to set up payments ; however, it is so high I have to try, and do it because I need to fix my credit. 
The finance company says they do this to help us. I am not sure how this is helping me when I am always stressed out. Trying to find a place to live. I called the other day to set up a payment plan and I have to pay XXXX every two weeks. I just feel the practices are not good here at credit acceptance. I want to refinance for a lower payment, but I can't get refinanced because this loan hurts my credit. Please if you can look into the practices of this company, I would appreciate it until then I will continue to try and pay. Fair is fair, but I do not believe they are being fair.

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 2018-03-21
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had 2 credit cards from CitiBank - A Thank You Preferred Card Opened in XX/XX/XXXX and a AAdvantage Platinum Personal Card opened in XX/XX/XXXX. 
Both of the accounts were in good standing with no payment delays. 

On XX/XX/XXXX, Citi closed both of my accounts without informing me about the cause or giving any notice whatsoever. Calling customer care was of no help. 

The card opened in XX/XX/XXXX was my oldest active card and the 1st credit card I had received after I came to US. As such, closing this card will have material impact on my credit score, which I have been trying to build over the last 20 months in this country. 
All my points associated with the cards are gone too!

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 2022-07-12
Company: LD Holdings Group, LLC
State: CA
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 from LoanDepot is dishonest. We were rate shopping and spoke to XXXX at LoanDepot to see what rates he could get us. Other lenders just needed general information, income, debt, credit score and they could provide a quote. He says, " I'm going to do a soft credit pull. It won't affect your credit score. '' He didn't even ask my permission and I didn't give him permission. I didn't give him my information it must have pulled it from the information that had on me. We'll my credit score dropped and I got this thick package in the mail for a full XXXX application I never asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my updated credit report, I realized that there are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update the accounts listed below for lawful accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was selling a property and a past judgement of a Credit Card Debt came up on my Title Commitment. I contacted the creditor Capital One and negotiated a settlement on XX/XX/XXXX. We closed on the sale of the property XX/XX/XXXX, and funds were released to the creditor. I was told that a satisfaction or lien release would be recorded 22 days after the payment cleared. Its been over 4 months and they have not recorded a release as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation