BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I contacted XXXX to request two late payments to be removed and was told to file a complaint or dispute instead ; XXXX will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
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: Personal information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-11-06
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a loan I didn't take out from XXXX XXXX XXXX. Please put a fraud alert on this account, my FAFSA stated someone took out a loan of {$550.00} please delete that from your database or investigate. I never authorized that school for anything. I never went there at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Clark County Collection Service
State: UT
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 sent a certified letter on XX/XX/2018 to Clark County Collections for verification of this debt that is on my credit report. It has been over 30 days and I have received ZERO communications back from this company. Per section ( 609 ) of  the Fair Credit Reporting Act I should have received validation and verification of this account within 30 days of my written request. Since this account was not verified or validated to be mine I would like this account to be deleted and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: TX
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:
AFTER REVIEWING MY CREDIT FILE I HAVE NOTICE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME AND NEEDS TO BE REMOVED IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH THESE COMPANY NOR HAVE I EVER HEARD FROM THEM TO EVEN DISPUTE THE VALIDITY OF THESE ACCOUNTS TO INFORM THEM THAT THEY ARE INDEED A RESULT OF IDENTITY THEFT. 
Please remove this information from my credit file as these are a result of identity theft. 
XXXX XXXX XXXX XXXX {$20000.00}. XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX. {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX {$1300.00}. XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. XXXX. {$1600.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$14000.00} XXXX XXXX {$3000.00} XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.

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 2018-11-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-11-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-06-21
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had account with credit union with Suncoast Credit Union place my account on my XXXX  credit file without any notice Im in the hospital with XXXX and my brother tried to call credit union to explain and the woman said they would document account my brother lives in XXXX and work so unable to get to XXXX I can not make call either request the credit union remove account from my credit report and allow me time to get home so I can correct this problem. I dont understand how are they able to place a saving and checking account on my credit report that quickly do they not have to obey the rules the fair debt credit act has placed for all creditors and its not a credit card its my saving and checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Innovis
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:
CBCInnovis ran my credit without my authorization ... I NEVER provide ANY signed, or verbal authorization for CBCInnovis to request a credit pull at ANY credit bureau. Also per the attached email communication Sales Manager XXXX XXXX vehemently lied regarding ultimately pulling my credit which was to be performed with my signed authorization per his due diligence regarding reviewing the submitted documentation per pre qualifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credt. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possiblle. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED 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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credt. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possiblle. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a bankruptcy that was recently removed from my credit history. While my credit ratings with two agencies went up slightly, my credit rating with EQUIFAX FELL by 79 points in one day. The web site indicates that the ONLY CHANGE to my credit report was the removal of this bankruptcy. I have tried to contact them and have been unable to get an answer as to why this has happened. This could seriously damage my ability to obtain a mortgage and I believe that it is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Mo Family Support Division is reporting on my credit file when in fact I have no contract, nor obligation to such debt. And no court order either, so I'm requesting physical documentation of such that bonds and binds me to this outrageous debt of {$36.00}, XXXX. 

Please remove / block this debt from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was apart of a joint auto loan that was taken out on XX/XX/XXXX for {$15000.00} with Santandar Consumer USA. This account was paid $ XXXX monthly until XX/XX/XXXX for a total of 64 months totally {$26000.00}. I have called several times a year starting in XX/XX/XXXX and sent many disputes to both Santandar and the 3 major credit report requesting an amortization schedule of payments and correct reporting of this loan. The Truth Lending Act requires creditors to give consumers written disclosure of important terms of the loan before they sign. This includes the APR, finance charge, monthly payment amount, payment due dates, amount financed, length, and any charges for late payment. The key word here is " written ; '' no word of mouth promises will do. On my credit report dated XX/XX/XXXX there are discrepancies in the amount still owed on the account after voluntarily surrendering the vehicle in XX/XX/XXXX. How is it possible to pay on a vehicle for over 5 years and still owe a balance of {$12000.00}? This is only a {$3000.00} of principal applied on a 60 month note. The amount owed is a guess as it varies on my different credit reports. Santandar won't cooperate with my request and the credit bureaus have failed me in accurate reporting. This loan is ruining life and credit profile and I have exhausted all options to get this account rectified. Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower doesnt need, doesnt want or cant afford.

Below are links to lawsuits against this company. Please see attached.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.

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 2018-11-06
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX from XXXX XXXX threatened to have law enforcement come to my house because I said I could not pay my debt at this time. She also called an old acquaintance and told her she was a debt collector looking for me. I do not know how they got her information in the first place since she has nothing to do with me.

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 2018-11-06
Company: EQUIFAX, 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 status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX, and XXXX XXXX XXXX   XXXX  XXXX accounts for months. Equifax also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
I was XXXX yrs old steered toward college because I maintained good grades in XXXXschool forced to take student loans to pay fot higher education and given a higher than 10 % interest rate with a cosigner because i hadnt established credit ( predatory lending ) i was then suspended from XXXX university for an offense that was dropped in XXXX county municipal court and the school proceeded to say they had more power than the court system and they didnt care what the ruling in the case was and found me guilty with no trial or evidence and I couldnt fight them because my family is poor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Evergreen Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Evergreen Recoveries XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX To whom this may concern, XX/XX/XXXX This letter is in reply to your recent Investigation Results from XXXX & XXXX. Where the two Account Investigations of each identical account information are simply incomparable. Where the following list of Accounts have been Deleted by XXXX ; File Number XXXX : See addendum # 1, 2 pages. 

While XXXX  reports ; Credit File Confirmation # XXXX : WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS UPDATE *BALANCE * BALANCE DATE. See addendum # 2, 4 pages. 

I call your attention to the FCRA where it reads in Section 609. Disclosures to consumers [ 15 USC 1651f ] ; ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. 
In addition, the National Consumer Law Center describes in : Fair Credit Reporting, 6th Edition : 4.2.1 ; The concept of accuracy is an objective one 57. A consumer report either is or is not accurate. If it is accurate when prepared a certain way, it will always be accurate when prepared that same way. ( 57 Cushman v. Trans Uion Corp., 115 F.3d 220, 225 ( 3d Cir. 1995 ) ( defining accuracy under the FCRA in an objective manor ).

Simply said, if the account information presented here is Unverifiable, Inaccurate, Incomplete or Misleading with XXXX. It can not at the same time be Verifiable with XXXX. Where they propose that We have verified that this item has been reported correctly. Only to then list the Modified status of each account in the next sentence. 

Clearly Evergreen Recoveries is not responsible for the Information being collected and sold to Creditors by XXXX. However, Evergreen is responsible for Deleting these accounts from your files, with prejudice. 


Regards, XXXX XXXX XXXX CC : CFPB WA Dept of Licensing File

Company response to consumer: Untimely response
Consumer complaint received 2021-11-05
Company: Upgrade, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
From me to upgrade - XX/XX/XXXX I received a notice today on my XXXX report of a missed or late payment on my account. 
1. I was on automatic payments, how can that be possible?

2. The payment in question is either the XXXX cent charge which I paid manually but it was set for automatic payments. 
I have spoken to multiple reps saying this would be taken care of as it was an upgrade mistake. 
XXXX. Or the XXXX cent due now that I can't even try to pay because it won't let me it says no payment due. Though still set up for automatic payments. 
Kindly correct my credit score. I made a lump sum payment and expected the rest to be paid automatically. Obviously this did not happen. I do not want to open a major dispute but this needs to be corrected. 

From upgrade to me -XX/XX/2021 Thank you for contacting Upgrade regarding your credit reporting dispute. 
We carefully reviewed the details of your claim and found that your account was reported past due incorrectly. We have taken the necessary steps to correct our internal records. 
On XX/XX/2021, we submitted a correction request to XXXX, XXXX, and XXXX. Please be advised that it may take 30 to 60 days for the correction to be reflected on your credit report. 
Thank you again for providing us this opportunity to correct your credit report. 
Please do not hesitate to contact us if we can be of any further assistance. 

Fro me to upgrade - XX/XX/XXXX I just received another credit update that says I have not had 100 % on time payments. 
Why is that? 
The loan is paid off. I wan never late and you even agreed and took care of it. 
This is really bad business and I would like it fixed and all ties cut. 
I should NOT have to go through this not to mention AGAIN!! 
Please correct this again, as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2018, I mailed a certified letter requesting the credit bureau to remove all incorrect names and addresses from my report. I included the only name and address that should be listed. I also attached a copy of my driver 's license, social security card and utility bill as proof of name and address. As of today 's date, XX/XX/2018, I have not received a response from them and there have been no corrections made to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief