BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-01
Company: ID Analytics, Inc.
State: NJ
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 was shopping for a pre-owned vehicle with a reputable dealership not too long ago and was denied a loan because although 2 of the big three credit reporting agencies had my scores in line with what I expected, this dealership chose to send my credit application to XXXX Bank who uses a company call XXXX XXXX for its credit reporting. My score is completely low with this small agency and I have never heard of them nor have I given them my consent to investigate my background. 

I had to put a stop with Ally to ever accepting a credit application with my name on it simply because this little company was dragging me down. In terms of how they obtained my score and where this information came from, I have called and written time and time again, to no avail. 

Please stop this, what I see to be, a fraudulent company from continuing to being allowed to partner to large banks. 

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 2017-12-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XX/XX/XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to Experian on XX/XX/XXXX. On XX/XX/XXXX Experian responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how Experian has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.

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 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 8, 9, 10 and 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-08-29
Company: Experian Information Solutions Inc.
State: IL
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:
Non of these inquiries which I listed in Identity Theft are not belong to me. I did not apply for that banks and never gave my authorization for applying. Please remove all of them from credit report, because they are not mine.

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 2019-05-29
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP 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 2018-03-24
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to JPM Chase via certified letter to rectify errors and discrepancies being reported on my personal credit report that JPM Chase is reporting. On XX/XX/XXXX, a letter certified letter was sent to JPM formally to make the company aware of my formal notice my certified letter was received/signed for on XX/XX/XXXX. In my letter I requested information to be provided for validations made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. A response was received from JPM Chase, however as when I pulled my personal credit, on the 31st  day from when JPM Chase received my certified letter. The company failed to DID NOT furnish the credit bureaus with the required disclosure, with the period as required by law. JPM Chase is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for onXX/XX/XXXX. This clearly shows that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and also the Fair Debt Collections Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I therefore then notified JPM Chase of this federal law violation in XX/XX/XXXX, which the address that was furnished to me on my credit report reflects, however that letter was returned to me as an unknown address. Clearly the information being portrayed on my report is inaccurate. I then sent a follow-up letter on XX/XX/XXXX as a goodwill gesture to allow JPM Chase to remove this item as they have violated federal law by not properly providing the credit bureaus with proper notice within the required timeframe, and I have the evidence of such, via certified mail receipts, JPM Chase MUST NOW remove the items. JPM Chase then responded on XX/XX/XXXXwith a letter agreeing that the information is inaccurate and will now go ahead and send the information to the Credit Bureaus. This is clearly a violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Unisa, Inc
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms. I have emailed and mailed in the teacher cancellation forms but the company has yet to verify or even return any of my phone calls or emails regarding the cancellations forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the debt collection agency in an attempt to settle a debt. We came to an agreement that once the amount was paid and posted the company would delete the Tradelines from my credit report on all credit reporting platforms. My bank account shows this account was satisfied on XX/XX/202, I just pulled my credit report an the above mentions were still being reported on my credit report, however it states that the account were paid in full for less than full amount. They took the money immediately and took XXXX weeks to send a notice that they received the money. So they took the money but forgot to delete the Tradelines as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are multiple accounts from XXXX XXXX XXXX/ and other school loans that are showing delinquent. All student loans are current and combined into new rehabilitated loans that are current. I had contacted the loan providers to remove due to the current status and they denied compliance with my request. The negative loans still show on the various reporting agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

: XXXX # XXXX, XXXX  : # XXXX, and Account name 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 2018-10-15
Company: Experian Information Solutions Inc.
State: NC
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 am on a payment plan. I contacted XXXX last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On Monday, XX/XX/XXXX, I attempted to open a Home Equity Line of Credit through my Credit Union. I was told that they were unable to access my Experian credit report.

That evening I called Experian ( after researching on the internet how to get an actual person, because there is no way to get a live person through their numbers ) and was told by XXXX that the report was fine, and had been accessed twice by the credit union. 

On Tuesday, XX/XX/XXXX, I went again to the credit union. This time the back office was contacted and told me that the report was run but there was no credit history, and the address on file was actually the address of my ex-husband, where I never lived. 

I made several calls to Experian on Tuesday, but was unable to get a satisfactory result. I was told repeatedly that my report was fine. 

On Wednesday, XX/XX/XXXX, I called Experian again. I spoke with someone in Personal Solutions who began a report ( # XXXX ) and corrected my address. My credit history is still unresolved. I am still unable to obtain a home equity line of credit. The other two credit reporting agencies, XXXX and XXXX, have correct reports as of XX/XX/XXXX. I need this issue resolved. I have now spent countless hours on the phone and have no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: NC
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 am on a payment plan. I contacted XXXX last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number  attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to Equifax, XXXX, and XXXX to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against Equifax, XXXX  and XXXX  they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My elderly mother received a letter in the mail from XXXX XXXX XXXX XXXX about a debt that she didn't even know was for. They never told her what exactly it was for when they called several times. She went to the ER a few nights later and spent 3 nights in ICU ( its on record ) and she got home and they still kept calling her. She told them she was in the hospital and they didn't seem to care. They wanted their payment immediately and insisted she give them her routing and checking number. I feel like we should have rights to stop them from bothering while in such poor health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Payward Ventures Inc. dba Kraken
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Kraken takes a deposit and refuses to release it unless you pay them more. They will not refund it to the original source either. When contacted they were less than cooperative and are holding my money ransom. They want to collect more transaction fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: MN
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 just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX XXXX   interference. I have had it with these liars and they are nothing more than a bunch of incompetant twits NO EDUCATION and trumped up XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian continues to violate my rights under FCRA. I have disputed several times regarding XXXX XXXX  University. The account was settled in XX/XX/XXXX and I was informed XXXX  would not report to credit bureaus. Screenshot showing settlement uploaded. In XX/XX/XXXX, Experian begin inaccurately reporting this settled account as a collection account with late payments in XX/XX/XXXX. They also reported it inaccurately as an unsecured loan. So now my credit report has a derogatory account showing a late payment in the last 30 days. I contacted XXXX XXXX, a Collections Manager at XXXX XXXX University about my issue. His contact information is XXXX XXXX  Collections Manager XXXX XXXX University XXXX   ( office ) XXXX ( cell ).

He sent me an email stating this was an error and he would make sure to remove it from my credit report. Screenshots of email uploaded. I called Experian to share this info and was yelled at by one of their Customer Service agents who dismissed my concern onXX/XX/XXXX. Ive never felt so belittled. I would like to pursue suing Experian, not only for, inaccurate reporting but for XXXX XXXX as I am a person with XXXX. What recourse do I have?

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