BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: AutoStar Finance, Inc - D/B/A Atlanta AutoStar
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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX my husband and I financed a car with Atlanta Auto Star. We searched for a car dealer that reports to all 3 credit bureaus and chose Atlanta Auto Star for their advertising statements that they report to all 3 credit bureaus. For 1 year and 2 months this company reported our on time payments/never late to all 3 credit bureaus. In XX/XX/XXXX they stopped reporting to any credit bureaus. We contacted the owner XXXX XXXX who advised us that for his business needs he has stopped reporting. We advised him that we only went through his company because he reported to all credit bureaus. We insisted that we were never notified in advance of a change to his business practices and reporting processes. He said there was nothing he can do. We feel like we were mislead with false and misleading business practices to get a loan with his company. This has now ruined our opportunity to purchase a home and has now stalled our credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions 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:
I have never taken a loan not made any purchases with their credit. 
I purchased something in XXXX and have my Visa Debit Card to prove I paid for my purchase. 
I have and had some an excessive amount of income credit cards and good credit. 
I can provide proof that I paid for my merchandise using my XXXX Visa Debit Card This is FRAUDULENT

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 2018-04-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-05-18
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2020 fraudsters, XXXX XXXX and XXXX XXXX were able to access my account and fradulently take out a personal loan in the amount of {$3500.00} and now Navy Federal Credit Union is holding me responsible for paying off that loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
These mortgage bankers at HSBC have been playing games with my approvals for months now, all while i could have closed with another service. They repeatedly ask for the same information i have already given them, and now it's been 3 weeks from " final approval '' and i have still not closed. they are hardly responsive and gave up as soon as i locked in my loan rate. All the while they know that i transferred in a significant some of money to their personal wealth management in order to access a lower rate. I was conned. I am losing time, money and energy dealing with them and believe they are doing something nefarious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To date, I have called in one dispute and mailed four dispute letters to TransUnion starting in XX/XX/XXXX and to date, I have not received a written response from this company. On XX/XX/XXXX I was notified through my credit monitoring company that my FICO score had decreased by 10 points due to TransUnion reporting a delinquency on my report from a XXXX XXXX account I have been disputing with them. In my dispute of the XXXX XXXX accounts, I asked that they provide me with the documentation they used to verify the accuracy of the account. Not only did they not comply, they have made changes on my report since I started disputing the incorrect information on my account in XXXX and have not mailed me anything regarding the outcome of any of their investigations. When they reported on 13 XXXX XXXX accounts, they never validated that information, because had they done so, they would've known I had graduated college before some of those accounts were even opened and we all know, once you have finished college, or have stopped attending, the money becomes do, however, Transunion is reporting new loans opened after I finished school. I asked that they provide me with a promissory note showing that I was able to take out education loans AFTER I completed my education. XXXX XXXX is known for re-aging accounts and TransUnion is complicit in this illegal act by not doing due diligence in investigating consumers complaints. We all know TransUnion does not work for the consumer, but I have a legitimate argument, and I demand they delete all of the items they have not been able to validate and send me an updated credit report reflecting this. I am going on two and a half months with no correspondence from TransUnion, I now just rely on my credit monitoring company to alert me when changes are made to my reports. Delete those fraudulent XXXX XXXX Accounts, Delete all of the information I have disputed with you that you have failed to respond to within the 30 day time period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: National Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/20 after MONTHS of trying to reach National Credit Service ( NCS ) I was finally able to get someone on the phone to make payment arrangements. At this time they informed me that my account would be in delinquent status unless I pay the loan off in full for {$20000.00}. I am unable to do this so I started payment arrangements. I called again on XX/XX/20 to see if I could get proof of my payment plan including information on if my payments are going to interest or principal etc. I was informed that they could not tell me but could send out a paper showing my payment and they referred me to look at XXXX for information. I again asked if my payments could change the status of the account and was told that I would have to pay {$20000.00} to change the status of my loan. I was able to log onto XXXX and I can see that my balance is {$17000.00} to pay the loan in full. NCS is being deceptive to exhort additional funds from me against my remaining balance. This is obviously unfair collection practices and fraudulent actions on their part. The Department of Education gave my loan balance as {$13000.00} as of XX/XX/20 with NSC trying to collect a {$3000.00} fee and interest on top of that. NCS 's deceptive actions leave me no choice but to report them for this to be resolved. Their poor ethics, terrible customer service and unfair practices leave no room for anyone to pay down a loan. The payments that I am making are going ONLY to NCS fees and not even toward my loan balance. This needs resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is account is not OPEN and the credit agencies will be held liable for this action by reporting INIACCURRENT information to my credit report. No activity has been going with account and payments have been made. This account should be reported as " CLOSED '' and the credit agencies are in violation of the Fair Credit Act 611. 

In addition, to that XXXX XXXX does not OWN this account and it was sold to another party, so how can they report " INACCURRENT information on someone credit report. 

LAST DATE OF ACTIVITY WAS THE LAST PAYMENT MADE. Where is that information? 

I will contact the Attorney General Office as well for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: MN
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:
Today I write the FCPB due to the malice and misconduct that I've had to endure within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed. 

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'High Balance ' in my account negatively, and falsely, shows {$500.00}. The evidence shows this account to have never reached a balance anywhere near {$500.00}, never exceeding XXXX {$210.00}. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you. With this, and to those who are aware, it expresses the extent and the harshness of how this one inaccuracy, this one false field, can negatively impact a person and their credit profile, in manners that are damaging and detrimental. A credit file that reaches or exceeds the limit set on their credit account receives heavy, and long-standing penalty as a result of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
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:
My credit report has inaccurate accounts and personal info.

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 2019-11-18
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please accept this narrow and specific Qualified Written Request under 12 CFR 1024.36 for a copy of the life of the account accounting and life of the account escrow accounting for the following two account / trade lines, 1 ) XXXX and 2 ) XXXX. Thank you, 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 2020-07-25
Company: Nelnet, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Since XX/XX/2020 I have been trying to dispute and get late payments from my Great Lakes student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: TN
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 have items on my credit report that are not mine and have asked all three credit bureaus to remove them and still are reporting 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 explanation
Consumer complaint received 2020-07-25
Company: Aargon Agency, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed dispute on XX/XX/20 due to the wrong amount showing on my credit report. I was able to get old bank statements that shows i made 6 payments of {$31.00}. My contract was for a total amount of {$800.00}. If you subtract what i paid i only owe {$620.00}. After my dispute they now say i owe them {$930.00}. I sent them the bank statements showing the payments I made. The companies involved are Aargon Agency which is representing the 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 2021-05-07
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: Investigation took more than 30 days

Complaint:
Hi, This is my Third Time trying to get THE CFPB, to look at " THE FACT '', that EQUIFAX!! 

EQUIFAX REFUSES TO ACKNOWLEDGE THAT IT HAS TAKEN THEM WELL OVER THIRTY ( 30 ) DAYS. To respond to my Initial Disputes I've sent in, CERTIFIED, and TRACKED as well. Equifax is " CLEARLY VIOLATING MY CONSUMER RIGHT LAWS. '' I've sent in a Dispute on XX/XX/2021. They Keep giving me the Run Around. I NEED THIS SITUATION HANDLED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: PA
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:
My Loan has been paid in full to 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 non-monetary relief
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My Loan has been paid in full to 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 non-monetary relief
Consumer complaint received 2020-07-25
Company: I.C. System, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX - XXXX XXXX XXXXXXXX XXXX XXXX, Illinois IC Systems - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN

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