BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2021, I received my account balance from XXXX XXXX XXXX in the amount of ( {$910.00} ). Prior to receiving the invoice, I had moved from I moved XXXX to XXXX mid-February due to the impacted XXXX had on my immediate XXXX. Because of the move I was unemployed until XXXX 2021. 
Therefore, I wasn't able to pay the balance of the invoice until XXXX of 2021. I mailed the check to XXXX XXXX for the balance and did think much about it ( balance paid in full ). In XXXX I was personally dealing and experiencing XXXX XXXX ; one member of my household tested positive for XXXX and XXXX which placed our focus on overcoming XXXX 
In XX/XX/2021, received an e-mail notification advising me that a collection agency had report onto my account for an unpaid balance of {$910.00}. I immediately contacted XXXX  XXXX XXXX and spoke with XXXX the office XXXX on XX/XX/2021 to inquire about ( XXXX XXXX reporting and explained that I had mailed the balance in XX/XX/2021 and aplogized for not confirming the check was cashed and explained how my family and I had been dealing with XXXX XXXXrom XXXX to sometime in XXXX. The office XXXX stated the check was never received and advised that if I take care of the balance that day she will accept payment and have the collection agency remove the collection account from the credit bureau ( Outside sources ). I made the payment and XXXX e-mailed the receipt from XXXX XXXX XXXX and the next from days e-mailed me the request to have ( XXXX ) remove the account collection/outsources. 
With that said, I contacted on XXXX and Experian ( XX/XX/2021 ) and opened a dispute and provided both Credit Bueres with the pay receipt from XXXX XXXX XXXX and uploaded on ( XX/XX/2021 ) the e-mail from the office XXXX to have ( XXXX  ) remove the account from my report ( outsources ) as XXXX XXXX agreed to accept the payment and not take any other actions. 
On today 's day XX/XX/2021, Experian sent a resolution email stated they had updated my credit report with balance paid but refusing to remove the collection account from my credit report, XXXX accepted the documentation and has removed the collection from my report. I contacted Experian again and explained what was uploaded to my Experian disputed that I paid the original account holder and have never owed the agency any money and the account holder agrees to not take actions against me personally since the account was paid in full. 
XXXX has received the e-mail from XXXX XXXX XXXX asking them to remove my account from collections and obviously refused to do so.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to you as a concerned individual regarding several inquiries that have appeared on my credit report without my authorization. I kindly request that you take immediate action to remove the following unauthorized inquiries from my credit report within four business days : XXXX XXXX XXXX XXXX XXXX : Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX specific date XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Additionally, I request that you thoroughly review my credit report and remove any inquiries that are not attached to active accounts. It is essential to maintain the accuracy and integrity of my credit history by removing irrelevant inquiries that may affect my creditworthiness unfairly.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, including inquiries that are not associated with active accounts. I have enclosed copies of my credit report highlighting the aforementioned unauthorized inquiries for your reference and convenience. I trust that you will thoroughly investigate this matter and take the necessary steps to rectify the situation promptly.

Furthermore, please provide me with a written confirmation of the removal of both the unauthorized inquiries and the inquiries not attached to active accounts from my credit report. This confirmation should be sent to the address mentioned above or emailed to the provided email address within ten business days of receiving this letter.

Thank you for your immediate attention to this matter. I have faith in your commitment to upholding fair credit reporting practices and trust that you will address this issue in a timely and efficient manner. Your cooperation and prompt response will be greatly appreciated.

Should you require any additional information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this matter. 

Sincerely, 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 2019-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i get calls from different numbers from them. Portfolio Recovery Association, i told them to call me during business hours and not on weekend and they call right back. And my name is not XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a credit card with Elan Financial. But every time is Elan Financial calculates Reward Point " willfully '' wrong and also, it does not allow me ( other consumers similarly situated ) to redeem Correct Reward Points on-time. There is always a story, Not XXXX, Not XXXX and story goes on ... ... ... ... ... ... ... ... ... ... ... .. Elan Financial is engaged in massive consumer fraud. Once I get reward points, I plan to close this card. Operators are racially abusive and discriminatory. This is not the first time I complained about Elan, this is the third time with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Resurgent Capital Services L.P.
State: SC
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the LVNV FUNDING LLC still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LVNV FUNDING LLC XXXX Balance {$650.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Their investigation did not fix an error on your report

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 USC 1681. I told Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate, but how can that be possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 15 USC 1681 section 602 states that I have a right to privacy. 15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make a 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 USC 1681 s-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. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX and Transunion are damaging my credit with false information. Even though I have detailed the situation to them two times, they have chosen to ignore me. 

In 2015 I had a limousine service. One of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these three companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help 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 explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously.

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 2023-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights. Account Number started in XXXX. 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 an account without my written instruction. under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, 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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: EOS 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: Personal information incorrect

Complaint:
XXXX XXXX placed the account on my credit report same name but incorrect social - its similar but not mine - so I believe it was fraudulently used. The EOS company is reporting on my report and its inaccurate and not my account. 

When I called they said my last 4 were not what they had but similar - and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Seterus, Inc.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called  Seterus, Inc  XXXX   XXXX  times trying to obtain paperwork for a Recast. I am trying to make a large payment to my mortgage because doing business with Seterus is a nightmare!! They refuse to let me make a large payment to the principal loan, and have denied the paperwork to me. I need to make a large payment immediately, but they are not willing to take it. I know that my loan does not have a prepayment penalty, and they should let me pay what I want to pay to my loan. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: TX
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A states that 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 1681 c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than records of of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681 what is 1681 s-2 ( A ) ( 1 ) a person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that the info is in accurate.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that 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 1681 c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than records of of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681 what is 1681 s-2 ( A ) ( 1 ) a person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that the info is in accurate.

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 2023-08-24
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX These 2 collection companies are trying to collect a debt that I do not recognize to be accurate. I have disputed it several times as inaccurate and have requested them to validate the debt by forwarding me the original creditor & contract, the account number, the original amount owed, date of first delinquency, and the payment history with authorizing signatures. To date, none of this information has been provided ; however, this info has been verified as accurate on my credit report. It is reported by a couple bureaus, but the dates are inconsistent. Therefore, I do not believe the credit bureaus are completing the proper investigation and are violating my rights under the FCRA.

Company response to consumer: Closed with explanation