BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: AZ
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 you my second letter to get your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1692K - CIVIL LIABILITY XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Kriya Capital, LLC
State: NJ
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 am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind accounts. No knowledge account. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. I have enclosed a copy of my credit report and circled the fraudulent items on the report. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 
CREDENCE RESOURCE MANAGEAcct # XXXX **** Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
CREDENCE RESOURCE MANAGE ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please delete.XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not mine account. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
accounts is still on my credit report they are not mine want the accounts removed account name : XXXX account numberXXXX balance : {$580.00} want the accounts removed account name : XXXX XXXX XXXX XXXX account XXXX balance : {$560.00} $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Transunion customer service and refused help on getting hard unauthorized inquiries deleted from my credit report today XX/XX/23. The following inquires should be deleted : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

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. 

THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 


XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 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 2019-11-20
Company: CREDIT ACCEPTANCE CORPORATION
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
It was happened in XX/XX/XXXX  were XXXXXXXX XXXX XXXX in XXXX XXXX XXXX sent the title of the loan to Motor Vehicle Registration. They sent the title to me. It cause to Credit Acceptance Bank close the loan because of the tittle. The dealership call me to renegotiate the loan because of the mistake. They took the car in XX/XX/XXXX XXXX. 

I keep communication with the bank, because the promised sent all my money I pay to the loan. ( {$1400.00} ). In multiple times they sent to paycheck at my name to the dealer, but the dealer lie me, justifying they don't received the check. But Credit Acceptance sent my check. 

I decided move to XXXX XXXX in XX/XX/XXXX. I called a lot of times to Credit Acceptance to report I will leave XXXX to other address ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX ). The told me they will consider send to me a new check. In XXXX the sent again the new check to dealership in XXXX XXXX. 

I need recover my money ( XXXX ). additional I Pay {$1500.00} of down payment. I made payments of the insurance ( XXXX ) for more than one year. It affected my credit because of loss my car.

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 2023-08-10
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Original Loan :  XXXX - XXXX  Amount : {$35000.00} Deferred for 2 years.
Income based payments for 4 years.
Have paid on a normal, regular payment plan ON TIME and MORE than required monthly for FOUR years. Total debt amount has NOT gone down. It goes UP and they claim interest reasons. There is NO WAY this can be correct. I feel this is shady and it needs looked into.
Company :   XXXX   XXXX  , now Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: DISCOVER BANK
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:
Discover credit card is reporting a card from XX/XX/2022 that has been closed. This card is now reporting on my new Discover card that has a XXXX limit. Please have the the Discover Card XXXX limit removed. I only have one Discover Card that has a XXXX limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt does not belong to me. As well In a n accordance with the Fair Credit Reporting act National Credit Systems is reporting a debt showing as ( XXXX XXXX XXXX XXXXXXXX XXXX ) that I do not owe, nor are they the original creditor. 

They have, and continue to violated my rights. 
In accordance with the Fair Reporting Act.

1.15 US.C 1681A -2 exclusions 2. 15 US.C 1681 section 602 A. States I have the right to privacy.

3. 15 U.S.C 1681 Section 604 A Section It also states a consumer reporting agency can not furnish a account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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'm looking to purchase a new home for the first time and I've never looked at my credit before. To look at it and see these fraudulent items was quite disappointing to say the least. According to law 15 U.S.C 1681 there should not be any damages to my report, it's a defamation to my character.

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 2023-04-28
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
XXXX and XXXX have reported inaccurate and incomplete credit information. 

This account was paid in full prior to XX/XX/2017. 
I am asking that this account be verified or removed immediately. 
Target # XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing you this statement for you to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I began reviewing my credit report for inaccuracies in XX/XX/XXXX. A collection company, Southwest Credit Systems collecting on behalf of XXXX, is listed on my XXXX credit report. I have never done business with Southwest Credit Systems or XXXX. I requested a copy of the signed contract to prove whether I owe this debt to Southwest Credit Systems or XXXX on numerous occassions. I was given several copies of a printed invoice from Southwest Credit Systems, however, this invoice did not include my legal name. On XX/XX/XXXX, I received a letter from XXXX stating in order for XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XX/XX/XXXX, I requested from XXXX a copy of the contract that I signed to prove I owe XXXX for this account. On XX/XX/XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of this contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX, XXXX and XXXX of XXXX, this is reporting to my credit report as bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Information belongs to someone else

Complaint:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As of XX/XX/XXXX this company continues to report multiple inaccuracies to all three credit bureaus monthly such as account status, highest balance, account ratings, last verified, payment status I have asked to investigate the multiple inaccuracies numerous of times and in return the company responds of a print out of stating the account is accurate or updated with inaccuracies still I have reached out to this company several times since XX/XX/XXXX to try an fix this issue

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 2017-04-04
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a federal student loan that was taken over by Navient. I have had to call them during my divorce, an injury, my son 's XXXX illness which led to a XXXX, to come up with a reasons monthly payment. They have not been helpful with repayment options and kept recommending forbearance. They keep placing it n forbearance and I have called numerous times over the years to repay at a reasonable rate. My loan that started at {$60000.00} is now over {$100000.00} and they wo n't agree to a monthly payment lower than {$980.00}. When my son was critically ill with his XXXX they kept recommending forbearance. I have called many times to tell them I am able to make payments of $ XXXX/month and they will not agree to it or negotiate another reasonable payment. It has ruined my credit. I usually work 7 days a week to pay my son 's medical bills and I explained that my first house is to cover his costs and I wanted to pay back my loan. They kept saying forbearance was the best option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act Equifax and XXXX continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account Name : XXXX XXXX XXXX. I ( Account Number : XXXX ) .They received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Both refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 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 2023-04-03
Company: Experian Information Solutions Inc.
State: MN
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX # XXXX  - IDENTITY THEFT! 
XXXX XXXX  # XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX XXXX  # XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX XXXX - IDENTITY THEFT! 
XXXXXXXX XXXX XXXXXXXX # XXXXXXXX  - IDENTITY THEFT! 
XXXX XXXXXXXX XXXX XXXX XXXX  - IDENTITY THEFT! 


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 of 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 2017-04-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am a recent XXXX student who took a break after XXXX school and used my forebearance during that period. After the completion of XXXX, Navient calls me three times everyday seven days a week around the same time using various numbers and leaving voicemails from various representatives. I live with my mother and she was the consigner in which Navient calls the same number six times daily seven days a week. I want to file a compliant for harassment by phone misuse. When Navient first called I advised them that I am currently without a job and that my mother is in XXXX at this time. Therefore, she can not currently assist me with any payments. I have defaulted and now they have sent a fax to my mother 's current place of employment which is also harassment. I do n't need them to contact my mother 's place of employment harassing her which in turn might make her lose her employment. Navient has also sent me emails and letters asking me to make my account current which I can not do at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have accrued extra interest during unnecessary forbearance due to customer service emailing me that as my only option during the period I was not in school. They were not willing to work with me for other repayment options. They also called my phone and family members phone repeatedly after being asked not to call and using an automated dialer to make the calls and leave voice mails.

Company response to consumer: Closed with explanation