BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove the following accounts : 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 2022-12-12
Company: Experian Information Solutions Inc.
State: LA
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:
I filed a police report, as well as a FTC Identity Theft report, however I am still having issues getting the validity proven of the account. I did not authorize nor sign for this vehicle. I have attempted to deal with the creditor, who is requesting information that they should have if I indeed opened the account. The information on one credit report shows incorrect DOB and last 4 or SSN. The other two has incorrect name spelling and addresses. This account is not mine and I never get any information back on the proof, just responses asking for my information that could be used against me. This company should have my license and SSN on file if I purchased there. This account is only listed on one credit report. The others have already been proven unauthorized and fraudulent. Please take a look and assist in getting this incorrect and inaccurate information from my 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 2021-02-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Several times over the past approximately 5 years navient has texted me statements saying that I can easily take care of my problem with a forbearance by just clicking yes here or typing yes here and sending it back to them. Made it seem like this was a very simple fix and did not at the time specifically offer income-based repayment plan. Feel like they purposely made it very easy to just type in yes send it back for forbearance which causes my payments in the end to increase over interest still necessary to pay during the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: CA
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 recently obtained a copy of my XXXX credit report and noticed that you are reporting inaccurate information as a result of identity theft- in the Accounts with Adverse Information section. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

Account Name Account Number Balance XXXX  XXXX XXXX {$550.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} You are required to do what I am asking ( Title 15 U.S.C. 1681c-2, a1-4 ) and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2022-12-12
Company: EQUIFAX, INC.
State: CA
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 recently obtained a copy of my XXXX credit report and noticed that you are reporting inaccurate information as a result of identity theft- in the Accounts with Adverse Information section. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

Account Name Account Number Balance XXXX  XXXX XXXX {$550.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} You are required to do what I am asking ( Title 15 U.S.C. 1681c-2, a1-4 ) and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Zions Debt Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX Furthermore, I do not have a contract with Zions Debt Holdings. They did not provide me with the original documents I repeatedly requested and harrassed myself and family members for a week straight via phone call. They threatened to sue and would not stop calling until I had to tell them to cease and desist immediately! I have video/audio recording of these calls as proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been having issues with Equifax since XX/XX/XXXX with obtaining a copy of my credit report and updated score. Any Lender, Creditor, and Myself are not able to pull a copy of my credit report with score. For Example, XXXX XXXX XXXX says my report is blocked. XXXX says " No information found on credit file " When i login to my Equifax account it displays no accounts, no names, no updated credit score. I have called Equifax numerous times after times with no results, but resulting into runaround. A case was opened to supposedly fix the issue. Still not fixed. That case # was XXXX. Some lenders says I have no credit. I have attached a copy of my summary from Equifax from XX/XX/XXXX that displays which is now outdated inaccurate information now as its now XX/XX/XXXX as there have been new accounts, new limits, and or different creditors. XX/XX/XXXX says Blocked for Promotional Purposes. On XX/XX/XXXX Credit file status says No Indicator on file. Also, that summary shows absolutely no accounts, no credit at all. I expect this to be corrected and updated immediately. I have put up with this for 6 months now with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
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 moved from XXXX to XXXX  early 2019. I notified Granite of address change. I was never alerted to payment issue. Once I saw the 90 day late payment, I disputed through the credit bureaus and directly to Granite. XXXX  moved the 90 day late payment from XX/XX/2019 to XX/XX/2019. But the status date has never changed? Did a reasonable investigation really happen? And a remark of consumer dispute this account should have reported after the direct furnisher dispute. 

Plus Granite never mailed me their process of re-investigation of a dispute like the credit laws allow me to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: CT
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. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: EQUIFAX, INC.
State: AL
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 tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. Equifax : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.XXXX has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.XXXX has XXXX XXXX, XXXX XXXX, XXXX  XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: CO
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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: Medical Data Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is not my debt this item has been removed several times for months or years and keeps reappearing without knowledge or communication. Back in XX/XX/XXXX the debt was removed from my credit and I mailed an account validation letter and disputed this debt with the credit bureaus and the collection agency several times since XX/XX/XXXX. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX still has not responded to any of my letters. All I asked was that the credit bureaus show me how they verified this debt and what sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent. debt was placed on credit profile and forced to be removed. They have replaced debt back on credit profile. I believe it to be This is not my debt this item has been removed several times for months or years and keeps reappearing without knowledge or communication. malicious at that point. This company keep calling me harassing me everyday. My address hasnt changed why I havent received anything in the mail yet.

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: Experian Information Solutions Inc.
State: NY
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:
This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$3800.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 
( XXXX XXXX XXXXXXXX Date opened XXXX XXXX, 2018 Balance {$3800.00} )

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 explanation
Consumer complaint received 2022-12-12
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding placed my account in collections for {$3600.00}. I settled this debt with XXXX XXXX. The original balance on my account was {$5600.00}. XXXX XXXX offered me a settlement in the amount of {$1900.00}. They stated that once I paid the debt it would be considered as paid in full and no other collection activity would continue. I paid the settlement. LVNV placed my account in collections for the balance of {$3600.00} that was settled. This is lying. The letter in writing shows the debt would be settled. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: MO
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 the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; 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

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information, as willful negligence and non-compliance with federal statues. Please remove the following inquiries completely from my credit reports. 
XXXX Inquiry Date XX/XX/XXXXXXXX  AUTOMOTIVE Inquiry Date XX/XX/XXXX, AUTOMOTIVE Inquiry Date XX/XX/XXXXXXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date XX/XX/XXXXXXXX

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 received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated 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.

I demand deletion of the accounts from my credit report. I've listed below : XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX OF XXXX Account # XXXX, XXXX OF XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted. 

In accordance with the Fair Credit Reporting Act they have 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. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.

Company response to consumer: Closed with non-monetary relief