BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: NCB Management Services 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:
Around XX/XX/2019 I've submitted my dispute letters to XXXX, XXXX XXXX, and XXXX, but also the collection agency NCB Management Services Incorporated.. XX/XX/2019 I received a letter of correspondence from NCB stating that my concerns will be reviewed yet the item is still on my XXXX   report and my XXXX report . On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay the collection agency, no contract bearing my hand written signature on it at all. This has ruined my ability to get additional things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed with my complaint will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XX/XX/XXXX XX/XX/XXXX credit update as proof that the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Account status incorrect

Complaint:
The total debt reported on my Equifax and XXXX credit report is showing as {$11000.00} and that is incorrect. The correct amount is {$8600.00}. This error has been on my record for months and I find this to be unacceptable that they are not keeping up with the correct updates like XXXX does.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

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 2023-02-14
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:
In accordance with the Fair Credit Reporting act XXXX Account, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I financed a XXXX XXXX XXXX in XXXX of XXXX, the first day of having the vehicle, my rear passenger side door handle fell off and two over head handle bars in vehicle interior, within the first two months of having the vehicle, I replaced the whole front suspension, all 4 brakes and rotors, two sensors, three engine mounts, and the door handle. When I went to purchase the vehicle, the person selling me the vehicle, didnt not give me any information on the vehicle, did not offer me gap insurance or say anything about GAP insurance before I signed contract, he just gave me the papers to sign, showed me were to sign, did not give me adequate time to read the contract and took my money with little information on anything and he would not answer any questions I had. He had a normal two hour process done in less than 15 minutes. My car was financed at {$7100.00}. My interest is {$4400.00}. I got an appraisal on my vehicle and was told my vehicle is worth no more than {$1300.00}. I feel like I was scammed into a lemon vehicle that will not last more than a year or two at max and in a possible accident, I will be left with a high interest car loan and no vehicle.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 non-monetary relief
Consumer complaint received 2023-08-10
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: MI
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.

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 non-monetary relief
Consumer complaint received 2022-01-29
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 have been disputing inaccurate information with XXXX, XXXX, and transunion over the last six months and yet the same errors appear on my credit report. every time i dispute these unverifiable accounts, i either get an " updated '' response and nothing changes. 

XXXX DEPT OF EDUCATION is falsely reporting 90,120, 150 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information. delete this from my credit report. 

XXXX XXXX XXXX  XXXX XXXX is reporting false late payments and missing payment history for the entire account. also reporting differently to XXXX. 

DEPT OF EDXXXX is falsely reporting 90,120, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information and false payment history that's unverifiable. delete this from my credit report. 

TRANSUNION DEPT OF EDXXXX is falsely reporting 90,120, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

i have attached proof from XXXX for further review.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. 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. The following information therefore needs to be reinvestigated.

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 2022-02-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security XXXX, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A XXXX supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last XXXX so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
A credit check is nothing but verification of the identify of an applicant. That's it. 

These financial intuitions receive your information given via application and then, if accepted, they inform you of the acceptance of the application and your credit amount. No " money '' is given - only information is exchanged. It's just like a 1031 exchange under 26 USC 1031, their privacy policies are most likely elections to not be treated as a partnership with applicants under 26 usc 761, and it is all XXXX. 
It's also looking like the need for verification exists because all of this is a taxable exchange but I don't think many people file ( such as a 1099-NEC for example ) hence why quite a few people have XXXX up credit reports. 

Anyway, my application for credit was denied based on information contained in my credit report which, again, I believe is only acquired to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-29
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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

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 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.

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 2022-01-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account that I share with my fiance in both our names and he has an account that is just in his name. On XXXX  XX/XX/2022 we received 3 {$2.00} checks from a XXXX XXXX settlement. They were in the names of my children. We took pictures of the checks and deposited them into the account that was in my fiancs name. I was supposed to receive my unemployment check direct deposited into the account I share with my fianc on XXXX  XX/XX/XXXX. It never came. When it wasnt in the account the next day, I called chase to find out why. They said both of our accounts were frozen because of those 2. {$2.00} checks. They were 3rd party. After explaining that they were my children, they said that we had to bring their social security cards and birth certificates into the branch and they would have to fax them in. We did that the same day. As of today, our accounts are still frozen. Nobody seems to be able to help us. They say the branch never faxed the documents over and the branch says they did. I still cant use either account and unemployment says my check was rejected and sent back to them so I still havent received my money. We are suffering a lot because of all this and nobody wants to help. All this because of a total of {$8.00} worth of checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Subsidized : XXXX Loan start date : XXXX Loan Amonut : XXXX XXXX XXXX : XXXX Estimated Payoff : XXXX : {$26000.00} 8 %

Company response to consumer: Closed with explanation