BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2020-01-06
Company: Caneel Capital, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom this may concern. i received a letter from Trinity Financial Services to let me know that they had taken over my loan from XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. Trinity said that they would be sending me my billing statement a new account number along with current loan balance and next payment due. The date on this letter was XX/XX/XXXX. The letter stated that I owed {$49000.00}. The monthly interest rate is 0.06000 and the next due is XX/XX/XXXX. This is not true and I have never heard of Trinity Financial Services before. I tried to contact this company and it kept going into a voice mail that did not sound right. I was then contacted by an attorney named XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This letter came from XXXX XXXX 6 days after I received the letter from Trinity Financial stating that i must bring my loan current within 30 days from the date of this letter or they will start foreclosure. I was not sure if this was a scam. I went to the bank where my loan was taken over by XXXX because my original loan was with XXXX XXXX XXXX in XXXX and they closed so XXXX had the information. XXXX said the second mortgage was charged off and they had no records of what the amount, payments or interest rate was. XXXX did tell me that this is a non performing loan. I felt very threatened by this company and there attorney. I received a foreclosure notice with the courts that they filed against me. I am XXXX and can not afford an attorney so i answered the attorney and Trinity Financial and the courts within 28 days and I ask for the original paperwork from my loan.I sent this on XX/XX/XXXX and I have not heard back from them. I have looked them up on the internet and it looks like they have had multiple violations with different states. I am not sure if what they are trying to do is legal or if they have a license to take over my loan in ohio.They don't have the correct information on my loan.I feel like this is a total scam and I don't know what to do about it. The letter that I received from there attorney was very threatening.I don't want to lose my house. I am current on the first mortgage and taxes and insurance.I don't know how legal this is or how legal this company is but it looks like they are fined alot of money from trying to do business in different states illegally. Please take a look at my case and help me. 
My name is XXXX XXXX XXXX. XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, Oh XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/19 I notified the Credit Bureaus that there was incorrect information on my credit report that needed to be removed because of improper reporting. I did not hear back from them in a proper 30 day time frame so I initiated a second letter stating the facts again for improper reporting as well as initiated a phone dispute, this dating XX/XX/19. I recently recived a letter from TransUnion dated XX/XX/19 that the information was accurate on my credit report which is now false. They have failed to properly investigate and remove this inaccurate information from my credit report which is damaging to my credit profile. I would like matter to be taken seriously.

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 2018-01-18
Company: Nelnet, 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:
NELNET, INC. NEVER NOTIFIED ME, A CO-ASSIGNEE ON MY GRANDSON 'S STUDENT LOAN, OF ANY DELINQUENCIES OR PAYMENTS LATE ... BUT SENT DEROGATORIES TO CREDIT BUREAUSXXXX, XXXX AND XXXX . ACTUALLY, 7 LATENESSES OVER 3 MONTHS ON 3 LOANS. 

AS A RESULT, FICO LOWERED MY SCORE BY 200 POINTS, FROM XXXX " GOOD CREDIT '' DOWN TO XXXX " POOR CREDIT! '' NOT RIGHT, FAIR OR LEGAL TO " REPORT WITHOUT NOTIFICATION! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am submitting this written request for an investigation into specific items that I believe have been inaccurately reported. These items contain errors that are causing me both financial and emotional distress due to their adverse impact. The following items should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items should be removed from my credit file ASAP. The items listed are entirely erroneous and require correction. I am aware that, in accordance with the law, you are obligated to conduct an investigation within a thirty-day period. I eagerly anticipate your response. Take note that I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2023-06-30
Company: EQUIFAX, INC.
State: NC
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 reached out to XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my XXXX  to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Since i di not do business with CAPITAL ONE, please forbide this company to generate hard inwuiries or any other financial transaction including inquries which are TOTALLY ILLEGAL since i Am not Authorizing them nor i have intentention to conduct business with them. Please ERASE the yesterday inquiry generated yesterday by such company which is resulting in intentional attempt of FRAUD. Following this communication and if in the future such illegal activity persists, XXXX will be responsible for such illal opetation and fraudolently will be reported to FEDERAL police for deep investigation. Please dial XXXX to talk directly to myself. Within 1 business day. Failure to contact me will be considered as VOLUNTARY COVER UP or OCCULT EVIDENCE and treated as it is. 
Sincerely XXXX XXXX [ intended as legal signature ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
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:
I moved in the XXXX XXXX XXXX in XXXX XXXX nv and the pipes where bad and the toilet was over filling they felt I owed them for the plumbing tried evicting me for not paying for the plumbing bill we went to court the judge ruled in my favor the unit had previous damage before I came and stated I did not owe any money for the damages to the pipes and the apartment reported to the credit company after I moved out 5 months later and put the charges 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 2022-01-20
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
Received a letter in the mail requesting a response from collection agency by XX/XX/XXXX. 

Today is the XXXX of XXXX and it hit my credit report on XX/XX/XXXX. To add insult to injury this account its referencing was under the Covid relief program, therefore I only owed {$100.00} of which was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Business Revenue Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made multiple calls to correct this action and XXXX XXXX ( XXXX ). They have refused to resolve this payment issue. I was yelled at, hung up on and management calls were never returned. 

This company made multiple harassing calls for debt collection on a regular basis on almost a daily basis. 

From XX/XX/2018 to present I have spoken to numerous people at all levels and now they have put me into collection for {$56.00} when I paid XXXX XXXX as agreed upon. They claim they can not find the check I find that hard to believe as the other checks were received at the same address. 

I want immediate correction to my credit report as the information provided to blemish my credit is not correct. This company is unprofessional and unreasonable and their lack of customer service is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-01-26
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a regular deposit to my TD bank checking account like I do every week for something around {$1200.00}. The ATM missed reddit for XXXX g so I canceled the transaction and tried to get the check back. The ATM ate my check and I had to get the bank manager to come over and open it up and take it out she did not cancel the transaction.. I want to go deposit my check at the teller and A-day later I found out that I owed them {$68000.00} because the transaction had not been canceled. After about 2 weeks of dealing with it I finally Got it resolved I thought but I opened my account this morning to owing TD bank XXXX They're claiming that they overcorrect it twice and they have all of the information which the information on my bank account does not go back to the midsummer. They're using their clownishly bad infrastructure and their Untrained employees to just keep telling me that there's nothing they can do about this while they endlessly continue to be terrible shepherds of my money. I refuse to pay them this money because I don't owe it to them so who knows where this is going to go for me but this is the only recourse I have so I guess here I am. I don't have a lot of hope any of this is gon na go in my favor but it's literally the only thing I can do so here it is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business
days after the date of receipt.

It has been 30 days and you are in VIOLATIO
N of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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 2020-01-06
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is XXXX XXXX XXXX XXXX in XXXX, DE XXXX. They sent me an invoice for {$110.00} from a creditor : PayPal , Inc . They claimed the account opened on XX/XX/2012. They gave a bogus account number also. I have never dealt with XXXX, XXXX privately or professionally in my business career. I have never heard of this company as well. In looking on XXXX, this company has several complaints like the one above trying to get money from decent consumers. I have contacted the XXXX XXXX XXXX as well, and they say they can't do anything about it. What's wrong with that picture? This company is a scam and someone should try to stop them from these fraudulent activities. This company needs to be brought up on charges from the Attorney General 's office in XXXX, DE. I hope no one responds to their bogus requests and threats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX  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

Company response to consumer: Closed with explanation