BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
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:
See Attachments Below. I intend to dispute the following. Account : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX {$4900.00} / XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$400.00} / XX/XX/XXXX , Dept Of Education XXXX XXXX XXXX  XXXX XX/XX/XXXX, Dept Of Education / XXXX XXXX XXXX XXXXXX/XX/XXXX, Dept Of Education XXXX XXXX {$2000.00} / XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXXk Date XXXX XX/XX/XXXX Inquiry : XXXXXXXX XXXX, XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX Date  : XX/XX/XXXX Inquiry XXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX Remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX / XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX  account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. If you have any questions I can be reached at

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Diversified Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is not a ligament claim for a wellness.program as they are claiming. That was paid in full they took all payment on my credit card which they had on file with my permission to do only, but a bill for vet. services that resulted in a loss of a pet during XXXX due to over satiation thus XXXX procedure. What they are trying to collect now is the main vet. bill. 
Procedure took place in XXXX 2014 and is just now being addressed on my credit as outstanding debt/collection not valid collection. 
This matter needs further investigating. 
Please advise a.s.a.p. as to what is being done. 
I have already put in a dispute and have not heard anything as of yet on this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-07-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2021-04-15
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: Account information incorrect

Complaint:
I have been calling and sending letters to all three credit bureaus ( Equifax, XXXX XXXX XXXX four times since XXXX of last year XXXX. The credit bureau have stated due to the covid pandemic there has been delayed. And in my response to my dispute letter will be longer than 30 days. I did not think it would have been more than a year and four letters of no response and resolutions of inaccurate information on my credit report that is affecting on my life especially due to the pandemic. please help me resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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:
THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
I am requesting again in regard to the inaccurate and unknown inquiries on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries immediately : XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX The inquiry was not authorized I sent a letter the credit bureaus to do an investigation into my credit report to validate the accounts on my credit profile. I received a response stating that after the investigation that the accounts were all validated and updated. I viewed my updated report and even after their investigation there were still inaccuracies and inconsistencies on my report. 

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 that person knows or has reasonable cause 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 2021-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 I received a letter from Portfolio Recovery that stated it they were validating my debt due to a dispute letter that I sent to the CRAs. I sent them a letter XX/XX/2021 indicating that the letter ( copy of a bill ) did not satisfy the request and that more information was required per the Georgia Industrial Loan Act and the Fair Credit Reporting Act. Portfolio Recovery turned around and resent the same bill on XX/XX/2021. They have failed to validate that the debt is mine, provide a copy of all original paper work with my wet signature, provide a copy of the purchase agreement, provide, provide their legal standing to collect on the debt or their license to collect a debt in the State of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX  Account : XXXX Date opened : XX/XX/2015 Account closed its passed due on my credit report its been over 7 years this account should be deleted promptly

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 2023-04-21
Company: Island Finance Puerto Rico
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Representatives OF XXXX XXXX of XXXX XXXX are calling me repeatedly asking me of a person that owes them a loan. That the person put my name as reference. Told them that I did not authorize this person to put me as reference. Told them not to call but they keep calling me and harrassimg me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: LoanCare, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My LoanCare Loan amount was paid in full when I sold my house and when my escrow was closed on XX/XX/2021. Since then I am trying to update this on my XXXX credit report. I have provided the document I received which shows that my balance is {$0.00} but XXXX  just closed my dispute stating that LoanCare has certified the information and it will remain on my report. Not only they are not updating the account status they are also keep marking late payments every month which has ruined my credit. LoanCare is one of the worst company I have ever deal with. I had to hire a lawyer to get them talk to us otherwise they gave me run around for last 2 years. Once lawyer got involved they hand over my account to company called XXXX. XXXX  account representative was the one helped out to get me the payoff letter ( attached here ) and I have provided this to XXXX  but unfortunately XXXX  not taking any action. 
I also have all email correspondence saved which I sent in over 2 years to LoanCare and then to XXXX once my lawyer get involved. 
Please help me to solve 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 2020-09-22
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:
THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 review my updated credit report, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$300.00}, XXXX XXXX XXXXXXXX Balance : {$690.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00}

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 2022-03-01
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had a balance left of {$8.00} with my Military Star Card. I called and spoke with a representative about paying off the debt and if they would remove all negative remarks pertaining to my account/credit report. They agreed and I made my final payment. I still see the remarks on my credit. I have it all recorded on the verbal conversation.

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 2018-10-31
Company: Knight Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I completed a Voluntary Repossession of a vehicle. I turned it in because I went to prison for XXXX years. the company closed out the account and reported it as a closed account, repossession, etc. THAT account is about to fall off of my report. 

They then passed the account to a collection agency. They continue to report an open account, past due, each month. 

Is it legal that an account NEVER ages?? Can they continue to harm my credit on something that has been over with for nearly 7 years? What are my rights? How can I get the collection agency to stop reporting on my credit? 

It is the only negative left on my credit report. I could get a fresh start after spending XXXX years in prison on an illegal sentence as ruled by the Utah Court of Appeals in XX/XX/XXXX. 

PLEASE HELP. Name of Collection Agency is Knight Adjustment Bureau in Utah. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/11 I received emails from XXXX XXXX and XXXX that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my XXXX  report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a Capital One credit card user. I have used their service without problems for many years but within the past month Capital one has decided to slash my credit limit in half despite the fact that I have never had a late payment with them. I am angered that they decided to blindside good customers with this action but I am REALLY XXXX off that their {$5000.00}, unexplained cut in my credit limit has resulted in a 3 point drop in my credit worthiness. I worked very hard to get my credit score into the " excellent '' range but Capital One 's arbitrary action has dropped me out of the excellent range ... all through no fault of my own. 
I called the company to get their side of the story and I was sorely disappointed in their response. I worked my way up through the ranks of their customer service people to be told by a manager that there was nothing that could be done about the credit limit or the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: GA
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, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Lending Club Corp
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
hello, I have a account for a personal loan with lending club and have located better loan with my credit union who sent out a payoff check to lending club. I called in on the XXXX of XXXX to put a loan payment extension till the XXXX of XXXX on file with lending club. I informed them I have sent a check to cover the total amount of payoff to them to be there before the XXXX of XXXX and to expect a call from me prior to the XXXX to verify payoff and to pay any possible unpaid amounts to close out the account. as of the XXXX of XXXX I was charged through automatic payment withdraw my monthly payment amount even though the company had received my extension and also my check for payment in full. I contacted the company to get my payment refunded and now am being told by the rep. and told would only be the same answer from a manager that there is nothing they can do, they admit its there error and that this payment shows to be in the over payment que already and no future payments due. however they are now causing my bank account to overdraft and are unwilling to correct there mistake and refund the money before 1-2 weeks out. I feel as this was intentional and is not acceptable for a financial institution to not be able to refund the amount taken in error in a timely manner. any help in this matter would be greatly appreciated ad possibly a fine or reimbursement for my personal banking fees due to there error seems fair. thank you.

Company response to consumer: Closed with explanation