BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
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 information incorrect

Complaint:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. These late payments need to be removed because Equifax is reporting me being 30 days late in XX/XX/2022 but XXXX and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX 2. These late payments need to be removed because you are reporting me being 30 days late in XX/XX/2022 but XXXX and XXXX are reporting I paid on time. 
XXXX Account XXXX : XXXX 3. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX 4. Remove these late payments because I was never 30 days late in XX/XX/2022. I was only 27 days late. 
XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
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:
The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 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 2018-01-22
Company: CL Holdings LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX reports both my birthdate and SSN incorrectly after electronically submitting dispute and documents as proof. This account with XXXX was proven as inaccurate and falsely reported by the opposing CRA of XXXX and XXXX XXXX. 
XXXX briefly deleted the account but reposted the debt under another collection agency 's name. 
The account has been proven inaccurate with all three ( 3 ) CRA.  XXXX, like XXXX, disregards the inaccuracies. Both seem to disregard the law and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been continually calling my father informing him of an inaccurate charge that I'm currently disputing because the charge is incorrect. They inform him of the details and the amount that I owe but they don't call me. They started calling last week almost on a daily basis and they started back up this week its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Army and Air Force Exchange Service
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: Information belongs to someone else

Complaint:
In need of help with identity theft, I have someone one who open accounts in my name and charged account up to where the companies are calling me for payments and I didnt even open the accounts up, the balances go above 5,000, and the person who is doing this is trying to Open more accounts and putting inquiries on my credit, I have filed a petition for money owed and the person will not answer the door for the petition to be delivered

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 it may concern this is my second time making a complaint because XXXXXXXX XXXX still reporting an inaccurate account on my credit report. They claimed they have sold this fraudulent account XXXX XXXX account number XXXX to XXXX XXXX XXXX XXXX on XXXX and XXXX account on XX/XX/XXXX. I sent comenity bank a certified letter with a return receipt on XX/XX/XXXX. They responded back letting me know they sold both accounts but still they are still reporting it continuously on my credit report. XXXX responded back saying inserting they reply from my last CFPB complaint here as follow. 

Company 's Response XXXX XXXX XXXX, XXXX ( " XXXX '' ) investigated your complaint. We previously closed the XXXX accounts ending in XXXX and XXXX, requested that the consumer reporting agencies remove our tradeline for the accounts from their consumer reports, and ceased all communications regarding collection of the XXXX accounts unless otherwise permitted or required by applicable law. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 

This is proof I will in close the picture of this response as of today these accounts never been reporting from XXXX XXXX XXXX XXXX. They responded with the wrong account number for XXXX XXXX account number supposed to be XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: LA
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  company XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15U.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.

I have tried to explain to the companies that I have been a victim of identity theft and these accounts can not be reported to the credit bureaus because they are inaccurate, I have not received any response from XXXX, and I am not able to get any help from 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 2022-11-11
Company: Experian Information Solutions 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. 

DeptedXXXX : XXXX, XXXX : # XXXX, XXXX XXXX  # ending in XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, US Dept of Edu 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 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 2020-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Name of the Collection Agency is Portfolio Recovery Associates, LLC. 
In XXXX of XXXX they would not stop calling nor would they stop sending me notices in the mail. I was paying them what I could afford but the company wasn't happy about the amount. I told the agents in XXXX of XXXX if they would not stop calling me I will stop paying them because they kept harassing me. 
The original debt is from XXXX. 
In previous letter I explained to them that I was admitted to the VA XXXX XXXX numerous times and I had no money to pay them during XXXX. I also informed them that I took out the insurance that they provided me on the card. The company said if I could prove that I paid the insurance I would be discharged of this debt. I then informed them that I had moved numerous times and had lost all of the paper work and asked if they could provided me proof of the past Credit Card statements, which they didn't. 
Once they called me on XXXX XX/XX/XXXX, I told them to review previous calls to which I had spoke to them and all matters concerting my account. They didn't review the calls, so I told them I wasn't paying them anything further because they kept harassing me. 
On XXXX XX/XX/XXXX I spoke with XXXX  XXXX  after getting a noticed in the mail. I explained to her what was going on and I had sent a Cease and Desist letter to their company. 
I then applied for a home loan ( XX/XX/XXXX ) and a personnel loan ( XX/XX/XXXX ) ; I once again started getting letters and calls. On XXXX XX/XX/XXXX I sent them a letter explaining what had happened in the past as well as a Cease and Desist letter to : Portfolio Recovery Ass., LLC - XXXX  XXXX, XXXX XXXX XXXX, XXXX CA XXXX as well as XXXX XXXX XXXX XXXX VA XXXX I got a statement form them on XXXX XX/XX/XXXX. I figured they had not got the letters so I sent copies of the previous letter and a new letter informing them once again if they tried any communications I would inform the Fair Trade Commission and Arkansas State Attorney General. Those letter were sent out on XXXX XX/XX/XXXX to : XXXX  XXXX, XXXX XXXX XXXX, XXXX CA XXXX ; XXXX XXXX XXXX, XXXX VA XXXX ; XXXX XXXX XXXX, XXXX VA XXXX ; Disputes Department XXXX XXXX XXXX XXXX VA XXXX I get a call from XXXX at XXXX on XXXX XX/XX/XXXX. I informed her that I had already sent a Cease and Desist letter now I was reporting them to both Fair Trade Commission and Arkansas State Attorney General. 
I have attached all the letters I have sent to them within the last month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: DISCOVER BANK
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a secured credit card. I made a payment to bring my credit back up on the card, this the payment I made would have been sent back to me and it wasnt even Discovers money. On XX/XX/XXXX, a day after I made this payment, I got an email stating that they werent able to take the funds so I spoke to support. They told me to wait for a week or so as it would transfer over soon. A few days later, on XX/XX/XXXX they closed my account. I wasnt notified of this by email, text or even in the Discover app. The Discover app was functioning as if the account was still there so I continued trying to fix it until XX/XX/XXXX when I just contacted support again. Thats when I found out that my account had been closed. I asked why they never notified me and they said that I should receive a letter about it within the next few weeks. I asked if I could take my money out of the account since it was my money to begin with and Discover just said that they dont even manage their own secured cards, another company does and they arent able to do that. Working with this company has been so insanely frustrating, at this point my credit score can take the hit from closing down an account I just dont want them to steal my money too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Today XX/XX/20 I noticed that there are 25 inquiries on my credit report that were not made by me. The reason I noticed these inquiries is because I went to XXXX to apply for the XXXX XXXX XXXX and when they ran my credit, they told me I was not approved due to these inquiries lowering my overall credit score. I don't know who is responsible for making these inquiries but I did not allow anyone to do so using my personal information. I have already filed a police report and a complaint with the CFPB regarding this suspicious activity on 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 2020-03-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my account with this bank and I had a bill pay they refuse to cancel and the merchant is charging me {$20.00} return check fees because my bank wont cancel it on their end

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was told by XXXX that if I paid off debt that they would remove it from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Concerning XXXX XXXX, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 - 8.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The prior tenants failed to pay XXXX XXXX from approximately XXXX  to XX/XX/XXXX. I became owner of the subject property by Deed recorded XX/XX/XXXX. I activated an account with XXXX XXXX on or about XX/XX/XXXX. My account XXXX was always paid on time. XXXX XXXX, its agents, servants and/or employees, broke into and entered my property and placed tubular locks on the electric and gas services on or about XX/XX/XXXX. On or about XX/XX/XXXX, XXXX XXXX transferred {$2800.00} to my account which was paid in full at the time { copy of bill attached }. The {$2800.00} was incurred by a tenant, XXXX XXXX, who is now deceased. I have advised XXXX XXXX of this fact on numerous occasions. On XX/XX/XXXX, I wrote to XXXX XXXX detailing the situation { copy of letter attached } ; no response was received by me. By notice dated XX/XX/XXXXXXXX  { copy attached }, XXXX XXXX  XXXX was attempting to collect the debt and on XX/XX/XXXX, I wrote to XXXX { copy of letter attached }. As evidenced by the Monthly Bill History furnished by XXXX XXXX, the charges originated in XXXX  ; its is my contention that the charges date back before XX/XX/XXXXXXXX  which was the date of the last meter reading requested by XXXX XXXX and the date that her account was closed. 

The Statute of Limitations within which to attempt to collect these charges has expired. Pursuant to the Federal Fair Debt Collections Practices Act, the debt collector knows, or should know, that the debt is too old to collect on, and they have FAILED to do the following : { a } Tell me that the statute of limitations may have expired ; { b } Tell me that it is a violation of the Federal FDCPA to sue to collect a debt for which the statute of limitations has expired ; { c } Tell me that I do not have to admit to owing the debt, promise to pay the debt, or give up my rights regarding the statute of limitations.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed, XXXXXXXX XXXX XXXX {$1600.00} XXXX  XXXX {$2900.00} XXXX  XXXX {$370.00} XXXXXXXX XXXX XXXX  {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. 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 non-monetary relief
Consumer complaint received 2018-01-30
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX, my student loan company, sent me an email saying they have given me two months forbearance on my loans due to natural disasters in my area ( mud slides and fires in XXXX XXXX ). I never agreed to this. I was not asked if I would want this. This would mean my loans would accrue interest without a payment made to my principal balance. I now have to call to be taken off forbearance causing me an extra step for something I did not ask for. This seems like a plot to make some money on people who are not closely monitoring their accounts. I have attached the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: CA
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:
these inquires are fraudulent 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