BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.

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 2018-07-23
Company: EQUIFAX, INC.
State: AL
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 DISPUTED INFORMATION WITH XXXX   AND EQUIFAX AROUND XX/XX/2018 REGARDING XXXX. ALTHOUGH I SENT IN RECEIPTS SHOWING PAYMENTS AND PAYMENT DATES AND A LETTER STATING THAT XXXX HAD ALLOWED PAYMENT ARRANGEMENTS TO BE MADE, THE CREDIT REPORTING COMPANIES DID NOT UPDATE MY INFORMATION STATING THAT XXXX   STATED THAT THE INFORMATION IS ACCURATE. IN ADDITION, IT DOES NOT STATE IN MY TRANSUNION THAT THE INFORMATION HAS BEEN DISUPTED. 

AS A RESULT OF THE MISREPORTING OF THIS INFORMATION, MY CREDIT SCORE FELL FROM XXXX TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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 information incorrect

Complaint:
I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Westlake Services, LLC
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:
Hi, My name is XXXX XXXX XXXX, I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-12-07
Company: EQUIFAX, 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: U.S. BANCORP
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 is missing that should be on the report

Complaint:
Prior to filing XXXX XXXX bankruptcy in XXXX the mortage servicer ( US BANK ) reported accurate information to the credit bureaus. 
After XXXX XXXX bankruptcy was discharged successfully at the end of XXXX, the mortgage servicer does not report to any credit bureau. 
Contacted credit bureaus, advised to contact servicer. 
Contacted mortgage servicer, who claimed they won't report anything to credit bureaus ever.

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 2019-06-05
Company: EQUIFAX, INC.
State: NV
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: Other problem getting your report or credit score

Complaint:
I tried to get a report from Equifax and on the second page online I am for me that the website was having problems and I couldnt get my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent all the paperwork that the credit bureaus ask for to remove the accounts and nothing has happen

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 2020-05-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Car was purchased in XXXX and reporting that it was purchased in XXXX. I did not know until XXXX that the car was purchased in my name until my relative who did it passed away. I have called and mailed the police report and filled out so many affidavits to prove this isnt my debt. The car was repossessed in XXXX and is still reporting late payments to this day. Every time I call Chrysler Capital they send me a identity theft package. Its all the correct info birthday and social number so they cant help me. The payment was XXXX dollars and the only income they had was a social security check. It should not have been approved. They also told me all documents were signed online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: ID Analytics, Inc.
State: CT
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: Other problem getting your report or credit score

Complaint:
I recently received a denial letter for a store card that mentioned this CRA name XXXX XXXX and their phone number. I have around 15 months credit history in XXXX and have never missed a payment. All major main CRAs ( XXXX, XXXX, FICO etc ) have my rating above 700 but this CRA XXXX XXXX reported XXXX. Even thought they claim they have no part in credit making decision, they do influence credit making decesions with such low numbers in comparison with other XXXX. Something is not right here. I called them during business hours but they only have a voice mail. Their website is asking to send lot of personal information - copy of XXXX, XXXX proof in fax just to give me my free report. They should respond to phone calls about the credit reports but they do n't. I googled about this company and it seems that some people were asked for higher interest rates due to low rating by this company. Something seems off - either major CRAs are wrong or this company is purposefully doing wrong reporting or rating. Please investigate. You should also check if their are other similar complaint against this company 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 2019-06-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly a balance amount of {$720.00} on the XXXX partial account number XXXX. This account has been paid. ( Please see page XXXX of the attached credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
SOMEONE GOT A LOAN FROM THIS CO. USING SS # & INFO .... THERE ARE THOUSANDS OF XXXX XXXX IN TEXAS MUCH LESS THE WORLD ... PLEASE HELP! THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SOMEONE HAS USED MY INFO. TO OPEN A ACCOUNT WITH THIS COMPANY ( XXXX XXXX XXXX XXXX ) THIS IS NOT MY LOAN .. PLEASE HELP

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 2020-11-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
THESE CREDIT INQUIRES ARE UNAUTHROZIED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had this loan with M & T Bank since XX/XX/XXXX, As of XX/XX/XXXX, they call me every month between the XXXX and the XXXX of the month even though I have NEVER missed a payment and NEVER have been late. I pay my bill with them directly through their website on the XXXX, plus I receive a paper bill every month. I spoke to my mortgage broker who advised me that the next time I call to mention the CFPB, which I did and the representative stated that they didn't have to abide by the CFPB and that they wold continue to call me.

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 2019-06-05
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a Notice of a Summons on XX/XX/2019 tapped to the front door of my apartment. I was never nor was anyone in my home given these papers. I never received the summons in the mail. The sum amount is {$4100.00}. There is no date on this paper for which I am suppose to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen according to a letter from the IRS, XXXX AND XXXX. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 2017-12-19
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capio account # XXXX amount is {$250.00} this was placed on my credit report and no one ever called me or sent me information. This debt is not validated as I have insurance and it was paid. XXXX XXXX ... their office is not helpful at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An accident occurred on XXXX involving two vehicles, one which was my property and the other that belonged to a XXXX insurance client. both our testimonials contradict the other but there has been no police report and no in person evaluation of the accident that occurred that day. I had a chance to speak to an insurance agent who explicitly explained that there was no type of evidence, digital or testimonial that could support or give advantage to either party. I was recently contacted by a company called afni, who on behalf of XXXX XXXX informed me that I may be liable for payments XXXX  has made to its policyholder. Approximately {$2000.00}. Both of these companies have failed to provide significant evidence that indicates my liability for this debt. I was also informed of the probability of legal action in my turn and would like your assistance in ceasing the situation. 

Thank You. Along with this I have attached a copy of the letter that I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: BYL Collection Services
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is another account, XX/XX/2020, that I informed the bureaus I wasn't so sure about belonging to me. The address associated with the account, isn't my address. I then called the company, " XXXX XXXX '' in XXXX, and they stated all communications must be done with " BYL COLLECTION SERVIC '' in regards to the account in question. I sent another dispute in XXXX to the bureaus, which returned " verified as accurate ''. I need to see the contract ( that was all I asked for the second round ) of the account they're referring to, because I am in the same location as I've been in for years. My last phone call with XXXX XXXX was XX/XX/XXXX and they stood firm that " Any and all documentation in regards to the account was now in " BYL COLLECTION SERVIC '' possession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SOMEONE GOT A LOAN FROM THIS CO. USING SS # & INFO .... THERE ARE THOUSANDS OF XXXX XXXX IN TEXAS MUCH LESS THE WORLD ... PLEASE HELP! 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