BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: PA
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:
3 months ago I sent a dispute letter for these accounts XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). XXXX/Equifax/XXXX are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts 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 non-monetary relief
Consumer complaint received 2021-11-30
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:
I have sent OFFICIAL NOTICE to TRANSUNION on multiple occasions that the account below is in litigation and should be immediately deleted from my credit profile. I have sent court letterhead documents with case number - XXXX - as evidence. 

TRANSUNION was notified to immediately CEASE reporting the litigated account below on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021. 

*** XXXX XXXX XXXX XXXX This account is in litigation. PLEASE DELETE *** XXXX XXXX XXXX XXXX XXXX XXXX Civil Action NO. XXXX commenced litigation on XX/XX/2021. 

TRANSUNION has refused to delete the account above which is in litigation. 

On XX/XX/2021, at XXXX EST, I was able to call in and get almost 50 min of conversation with Transunion agent XXXX on a recorded line. 

Although Transunion agent XXXX wouldnt give me permission to release OUR recording just yet I collected enough verbal evidence to prove TransUnions willful and negligent noncompliance towards my multiple dispute notices regarding the litigated XXXX account currently reporting on XXXX XXXX credit profile.

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 2021-11-30
Company: FirstPoint Collection Resources
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and im submitting the complaint myself and there is no third party involve. Pursue to XXXX XXXX XXXX b i did not give permissible purpose to place anything on my consumer report without my acknowledgement. This debt has not been validated and the company assumed that this debt is owed. I had no acknowledgement of these accounts until I reviewed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I had the bank pull my credit report and found out that there are FRAUDULENT student loans on my credit I reach out to the company no response I have never attended school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Multiple tender of payments were made on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX of XXXX, the account was brought current of {$7600.00}. I haven't heard from the company yet. 

Afterwards, 21st Mortgage filed a judgement against my property and no disclosure was made that they were going to unlawfully accelerate the contract. 

21st Mortgage has violated me by mail fraud, knowingly filing foreclosure in civil court instead of Federal court, they have place derogatory marks on multiple credit bureaus ( and their privacy policy states they don't share nor sell individuals information ), they refuse to send the previously requested wet ink signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My XXXX XXXX credit card is inaccurate on all my credit reports.

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 2019-02-06
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no written contract with this company and they refuse to send me documentation of any signed agreement between me XXXX XXXX XXXX , XXXX. of Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I called XXXX XXXX to have my monthly car payments withdrawn on the XXXX of every month starting XXXX-19 until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XXXX-19. I received my XXXX XXXXXX/XX/XXXX bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from XXXX   that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 dont have the exact dates but Iam currently in the process of trying to fix my credit and have repeatedly field disputes against capital one multiple times in regards to changing the status of my accounts from closed. The account is paid in full and its one of the main accounts affecting my credit. I keep disputing it and have gotten no results :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Experian Information Solutions 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 am writing to complain about all three credit bureaus - XXXX, Experian and XXXX.All three are reporting a bankruptcy on my reports that is not accurate. I have disputed thebankruptcy with XXXX and the courthouse. XXXX can not verify it and has deletedit. The three bureaus are terrible! They don't even respond to written disputes that aremailed certified. They just ignore us out here in Main St America. I have sent letter and theseare just the latest.

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 2018-08-01
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom It May Concern : In XX/XX/XXXX I made what I thought would be a life changing/improving decision to attend the University of XXXX to become an XXXX XXXX XXXX. However, after obtaining my XXXX, I decided to switch my major to become a XXXX XXXX. My counselor suggested I switch to XXXX XXXX XXXX to fulfil my wish to become a XXXX XXXX.

To my surprise, just before graduating with my XXXX XXXX XXXX, I learn that my degree did not qualify me to take the exam to become a Louisiana Licensed XXXX XXXX. I phoned my counselor to learn she was no longer with the department and was assigned a new counselor, who apologized but offered no explanation for this major miscommunication.

After graduating I came to the rude awakening that the degree I dedicated four long years and $ XXXX to wasnt anything more than two expensive pieces of paper. During my time at XXXX the school highlighted its creditability with employers with the XXXX XXXX campaign, which was another misleading advertisement. However, I learned that XXXX was not an accredited school during my attendance, yet I was informed by XXXX   they indeed were an accredited school.

After graduating it took almost a year to land a job related to my field making $ XXXX  ( this was in XX/XX/XXXX), today ( 5 years later ) Im finally making $ XXXX. Due to the rate of pay, my student loans remain in deferment and I dont know how I will ever repay them with the quality of my degree. As I apply for positions I meet qualifications for, I am learning that my degree is not recognized by employers and my resume is not considered for the position because of my XXXX degree.

As an adult student, I took my education very seriously graduating with a XXXX GPA. I am very proud of myself for this accomplishment because with online classes it is up to the student to succeed ; meaning the student basically self teaches and the teacher simply provides grades for assignments they post. However, employers never get the opportunity to see the superior qualities and skills I possess because my degree stops employers dead in their track when reviewing the resume.

I am very upset that I put myself and my family in a financial crisis with the promise of a brighter future. I realized up front that the investment would be a large one, but with the encouragement from XXXX  counselor and family it was one I was willing to take. However, I have come to realize that my degree was a $ XXXX  scam and attending XXXX  was the ringleader in this scam.

Please help me get justice. I was highly misled by XXXX, turning what was intended to be a step up on the ladder of life ; yet turned into a nightmare I can not afford nor wake up from and Im drowning at this point.

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX IRN : XXXX Attendance dates : XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: American Credit Acceptance, LLC
State: MS
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:
Car has been repossessed reporting mssed payment every month since XX/XX/XXXX and or CO everymonth since XX/XX/XXXX. Please remove all late payments. I was impacted by Covid 19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2019-02-06
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I opened my checking account ( account no XXXX ) in the branch XXXX XXXX XXXX, XXXX XXXX  NY with a promo that would give me {$200.00} bonus if I make direct deposit of {$1000.00} or more monthly for 90 continuous days. I also used someone's refer ( XXXX XXXX with account no XXXX ) and each of us would get an additional {$50.00}. However, I met the requirements but I don't see either the {$200.00} or the {$50.00} referral bonus on my account. Tried to contact the branch but they were not able to help. Please refer to their advertisement below in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Second attempt to remove this account, this is not my account. I'm an identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Wrong address

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 2021-03-26
Company: Meade & Associates, Inc.
State: OH
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 been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, MEADE & ASSOC # 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 2022-09-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 non-monetary relief
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED

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 2019-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, 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:
Unauthorized inquires 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 non-monetary relief