BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
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: Problem with personal statement of dispute

Complaint:
University of XXXX has been on my report since XX/XX/2011 thats 7 years and one month I would like for it to be DELETED IMMEDIATELY I have disputed this account recently and their response was that this account has been updated.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXXXXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-07-18
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/XXXX, per my accountant, I am required to include the charged off amount in my " income ''. I requested that Barclay Bank Deleware forward me a copy of the required 1099-C that should have been generated as a result of accounts ( # XXXX and XXXX ) being charged-off in XXXX. Barclays Bank DE responded with what I take as a stall tactic, not acknowledging the request for the 1099-C, stating that the investigation has been completed. I was not given what is legally requested/required and no specifics regarding the investigation resolution were given as to how the resolution was determined. I am demanding that Barclays Bank DE, delete this account from the consumer report as well as forwarding the 1099-C to the address they have on file. 

On XX/XX/XXXX, I also requested that XXXX XXXX Bank, provide me with the required ( per IRS rules on Canceled Debts ), 1099-CXXXX XXXX XXXX Bank Charged-Off account numbers XXXX and XXXX in XXXX. XXXX XXXX Bank has not responded to my request. For both creditors, I agreed to pay the past due amount that would re establish my account into good standing, with no reply being given.

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 2017-10-15
Company: Capio Partners, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from this company telling me that I owe them a debt. I have never done business with this company not have they ever provided me a service nor goods

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 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 2021-07-03
Company: OPORTUN FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I paid my account settlement in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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 want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. 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

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 2017-10-15
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:
There is an unauthorized inquiry on my credit report made by XXXX XXXX on XXXX/XXXX/XXXX that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

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 2022-10-24
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:
As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's are erroneously reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. 15 U.S.C. 1681a ( f ). 

I have attached my DL for identification A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section 1681e ( b ).

If a CRA willfully fails to comply with any requirement of the FCRA, it may be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. 1681n ( a ), ( 1 ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. 1681o

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 2019-04-13
Company: Experian Information Solutions Inc.
State: ID
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:
On XXXX XXXX, 2019, I asked my bank ( XXXX  XXXX  ) to obtain a credit report as part of an application for a mortgage loan. Three companies reported : Experian, XXXX, and XXXX. Both Experian and XXXX  referenced several Creditor accounts that were incorrect, that is, the Creditor information was not mine but actually belonged to another person. XXXX information was mostly correct. I contacted XXXX  to dispute the incorrect information. After two calls, a XXXX representative took my complaint and initiated the steps to remove the incorrect information. I was not successful in contacting Experian either by internet or phone call to rectify the report. I have three fundamental concerns : ( 1 ) how and why was incorrect information added to my identity, ( 2 ) why are credit-rating companies like Experian and XXXX   permitted access to my personal financial information and have such incompetence in ensuring that the information is correct, ( 3 ) why do financial institutions like XXXX XXXX rely on credit-rating reports when the reports may have inaccuracies? It seems that persons like me are the ones who have to rectify credit-rating problems created by the incompetence of companies like Experian and XXXX. My suspicion regarding concern ( 1 ) is that the credit-rating companies are not using a complete set of personal information when they obtain financial information : namely, complete 9-digit social security numbers, current addresses, and birth dates, all correlated to an account held by a person. The incompetence of companies like Experian and XXXX  places a terrible burden of proof on the financial status of US citizens. Why are such companies not appropriately regulated by the Federal Government?

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 2019-04-13
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have two accounts with CITIBANK that at times go below the {$1500.00} minimum balance and I get hit with multiple low balance fees that at times can be as high as {$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 2017-07-24
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out this {$300.00} loan in XXXX 2017 and have made the first 3 on-time payments. I got fired from my job and am no longer able to make those payments. I 've discussed my dilema and theh have continued to threaten to keep calling me and my family. I sent a cease and desist letter on XXXX XXXX, 2017 and they have continued to call me and my family. I agree that I owe the debt, but at the moment I do not have any funds to pay it. And no longer live in the area due to an eviction, so I can not come in to speak with someone. I 've spoken over the phone and via text.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: TN
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated.+ XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX. The interest is sky high. I will have paid them XXXX at the end. I have borrowedfrom other companies and only paid back double or a lil more than double. Power Finance in Texas is charging me 4 times the amount I borrowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: TN
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:
If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5100.00} XXXX XXXX XXXX XXXX Balance {$190.00} XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: MA
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 This May Concern, I have submitted multiple complaints to you guys, regarding some fraudulent accounts that are on my report, you guys told me the disputed accounts were removed and they are still showing on my updated report. 
-- XXXXXXXX XXXX XXXX, Date fraud began : XX/XX/XXXX Total fraudulent amount : {$4800.00} and Also disputed XXXX XXXX XXXX Date fraud began XX/XX/XXXX Total fraudulent amount : {$980.00}, the other bureaus have removed it and yet you guys claim it's Verified. 
Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: SC
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 sent out a letter to Equifax, XXXX, and XXXX  concerning my credit report. Due to suspicious activity on my credit report. I simply asked Equifax, XXXX, and XXXX  to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days and then a second letter another 20 days of waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's are erroneously reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. 15 U.S.C. 1681a ( f ).

I have attached my DL for identification A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section 1681e ( b ).

If a CRA willfully fails to comply with any requirement of the FCRA, it may be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. 1681n ( a ), ( 1 ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. 1681o

Company response to consumer: Closed with explanation