BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: IL
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 whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX Appalled by that information, I went directly to XXXX XXXX and in their response to my inquiry they claim to have never verified this item with you and gave me the enclosed letter stating they couldn't verify the bankruptcy .This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE XXXX  STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the letter from XXXX and the court house for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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 status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have 4 late payments on my credit report from XXXX XXXX  in the months of XXXX and XXXX of XXXX and XXXX and XXXX of XXXX this information is incorrect and I would likeit to be removed please. I did a dispute several times and they mention that the score will be updated. still shows on my credit report to this day.

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 2022-08-16
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:
i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my XXXX  credit report is showing i paid this lease 8 months late, so i disputed this with XXXX saying i never paid XXXX months and sent a copy of check dealership sent XXXX... 
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!

i have disputed this on this site 2 other times, when will this be behind me after all these years!!! 

thx

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 2023-01-05
Company: Experian Information Solutions Inc.
State: GA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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: Their investigation did not fix an error on your report

Complaint:
CHARGE OF DISCRIMINATION This form is affected by the Privacy Act of 1974. See enclosed Privacy Act Statement and other information before completing this form. 
Charge Presented To : FEPA Agency ( ies ) Charge No ( s ) : X EEOC XXXX NEW YORK STATE DIVISION OF HUMAN RIGHTS and EEOC State or local Agency, if any Name ( indicate Mr., Ms., Mrs. ) Home Phone Year of Birth 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 2021-11-11
Company: ERC
State: VA
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 credit agencies isnt letting me dispute my student loan incorrect balance and I tried to dispute late reporting from 5 years ago and the companies refused its been a headache from the start

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: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A complaint was made to Navy Federal regarding unauthorized charges applied to my Navy Federal debit card that was unauthorized by the consumer, As an investigations was requested from Navy Federal, against XXXXXXXX XXXX XXXX XXXX ( XXXX ) with verified receipt and proof of unauthorized charges, but still no resolution to date. 
Please see attached documentation, and request and investigation into ti why no resolution could be availed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: DISCOVER BANK
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 XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-11-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian forces me to make my disputes through their website, unfortunately they did not accept my letter that I sent them and they did not investigate anything, a month has already been lost. They use excuses that they have doubts about the origin of my letter, it is not a sin to use templates that exist on the web, they must do their job of investigating.

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 2023-01-04
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a complaint about this company before and I am now seeing the agreement they attached to try to validate this debt as mine. I do not see a signature on that paperwork so the debt could very much be anyone else.

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 2019-12-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT. 

I sent your bureau a dispute letter in regards to these accounts on XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2018. I have not received report and XXXX is over the time frame required to submit report to me. Please refer to the attached XXXX  XXXX dispute letter sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
While traveling in XXXX area, I had to pull off the highway to get some cash to use on the Pennsylvania XXXX. I stopped at a Citizens Bank on XXXX XXXX XXXX in XXXX, PA during banking hours to obtain cash. I was required to pay {$3.00} for a " Citizens Bank ATM Owner Fee ''. I am not naive, but a fee amounting to 17 % of the transaction to take out {$60.00} of my money appears to be abusive. I was not borrowing the money. Is this a " Restocking '' fee or " rental '' fee for my use of the machine? There is no electronic transaction fee between XXXX and Citizens that would cost anywhere close to the {$3.00} cost charged for the transaction. It feels like an abusive charge. 
Needless to say, Citizen Bank account holders are not charged this amount. It is ironic that Citizens Bank account holders are only charged 3 % for International transactions made at an ATM while domestic borrowers are charged a flat fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I have multiple inaccuracies with XXXX XXXX ( XXXX ) Account on my profile. The reporting of late payments after a repossession occurs is an error and is NOT FACTUAL. The Account that you are reporting is identified as a repossession yet, You have continued to report late payments with XXXX in XXXX of XXXX Since the vehicle is no longer in my possession, It would be impossible for me to default on the payments after the fact! XXXX XXXX XXXX shows repossession while XXXX shows 90 days late for payment status! XXXX, XXXX XXXX XXXX are also showing the following inaccuracies : Monthly Payment : XXXX {$190.00} XXXX- {$0.00} XXXX- {$190.00} Date Opened : XXXX XXXX XXXX XXXX : XXXX- {$6800.00} XXXX- {$6800.00} XXXX- {$6600.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX Due : XXXX {$990.00} XXXX- {$990.00} XXXX {$590.00} Payment Status : XXXXRepossession XXXXRepossession XXXX 90 Days Last Reported : XXXX XXXX XXXX Date XXXX Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX The account that Credit Acceptance ( CREDITACPT ) is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!

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 2021-11-18
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: Account status incorrect

Complaint:
All my credit card bills have XXXX balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.

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 2018-12-20
Company: SYNCHRONY FINANCIAL
State: WI
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:
I sent all three credit bureaus a certified letter requesting that this closed account from Wal-Mart XX/XX/14 be deleted from my credit reports. It's been over 90 days and they have yet to respond or delete this request. This violates the FCRA law that States that the bureaus must respond to consumer disputes in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX 2023

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$76.00} ; XXXX XXXX XXXX Balance : {$25.00}

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 2021-11-18
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received 2 notices that I applied for credit cards and I did not. I did get a response from XXXX XXXX and not so much XXXX XXXX. Even I know I can't apply for credit cards because my credit is bad at the moment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  CA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened XXXX. XXXX, XXXX  XXXX : {$0.00}

Company response to consumer: Closed with explanation