BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: EQUIFAX, 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:
Hello, my name is XXXX XXXX. 

These accounts are inaccurate and are in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed Inability to show the slightest evidence, the creditor must stop all collection activities and delete the collection account from my credit report. These accounts are in civil litigation against the credit bureaus for fraudulent and unauthorized deceptive practices being committed on their behalf. Here are the accounts listed below : XXXX XXXX  XXXX EquifaxXXXX-XXXX XXXX EquifaxXXXX XXXX EquifaxXXXX-XX/XX/2020EquifaxXXXX XXXX XXXX  XXXX  XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Credit Control, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has come to my attention, that XXXX XXXX XXXX has transfer an account to Credit Control LLC. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. Credit Control LLC is refusing to discuss my concern about their acct # XXXX, balance {$170.00}. Without me first verifying the information they have on file. How can I verify information that doesn't belong to 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 2020-08-31
Company: Sensible Auto Lending, LLC
State: CT
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 paid off my car note in full however the account is still showing up as late on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my accounts directly based on other bank closing my account. They will not send me information why they closed my account beside business decision. But this decision was made on wrong facts and are discriminating against me after having perfect payment history for over 5 years with their financial institution. I was told over phone by other bank I was involved with some type of money laundering which couldn't be any further from the truth. I would never do such a thing and I have over 5 years of perfect payment history of all my accounts and good credit scores. So please reissue my accounts because this closure was based on wrong information gathered from other source. Please provide any wrongdoing on my part if thats what you based your decision on if not please reopen my 2 accounts asap. 

Accounts ending in XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX in XXXX, FL ( XXXX XXXX XXXX XXXX ) to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.

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 2018-07-16
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:
Please remove the following inquiries in my report. They dont belong to me. I contacted the creditors and asked to send me proof. 
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 2019-05-29
Company: ALLIANT CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Alliant Credit Union locked me out of my account on XX/XX/19 after they called me inquiring about a recent transaction which I politely informed them that that's none of their business and hung up the phone. I've already filed a XXXX complaint a week ago but they don't seem to be taking that very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is an inquiry on my Equifax credit report posted in XX/XX/2020. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX  XXXX and Equifax and with no help have had no luck. They havent provided any information to me in regards to how to further contact them. Their number listed on my credit report reads XXXX XXXX XXXX XXXX. I have no way of further contacting them and have reached out to Equifax about this not being me that attempted to establish a line of credit with this company. Equifax has refused to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NV
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 submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and Equifax ) on/around XX/XX/2020 and a second written request was sent via certified mail on XXXX XXXX, 2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by Experian, XXXX  and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2020-07-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am not even the debt holder nor am I consigned so any loan. Not really sure why they decided to pull my name out from a family relation, but I have been receiving calls and emails about a student loan debt that isn't mine nor have I cosigned on said loan. I find this all to be pretty harassing and interrupting my daily life as a caretaker to my small children. When I answered one of the call thinking it was my child 's doctor, it was instead a navient employee that laughed at me when I said I had nothing to do with said debt and that I thought it was illegal how she was calling me. Then I attempted to complain directly to navient via their phone system and got told no one could take my call and to leave a message? I am very over navient 's bizarre harassing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Independent Dealers' Advantage, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IDA, Independent Dealer 's Advantage, LLC contacted me, XXXX XXXX XXXX on XX/XX/2021 with uncomfortably profane threats involving collection of debts. Letter attached also I have been constantly harrassed with telephone calls in my working hours of the day totaling 10 or more calls on workdays starting on the XXXX of XXXX. I was not honored with full disclosure of the terms but I now realize the car I purchased from XXXX XXXX on XX/XX/2021 was settled on the day of the transaction, as all that was owed was secured by security interest in my vehicle. IDA has committed one violation after the other as evidenced by the letter ( s ) attached.

Violations : 15 USC 1605 ( a ) 15 USC 1692 ( a ) ( e ) 15 USC 1692c ( 1 ) ( 3 ) 15 USC 1692d ( 1 ) ( 2 ) ( 4 ) ( 5 ) 15 USC 1692e ( 2AB ) ( 4 ) ( 9 ) 15 USC 1692j ( a ) ( b ) 15 USC 1692g ( a ) ( 2 ) ( 4 ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV funding LLC hired XXXX XXXX  XXXX XXXX XXXX to collect a debt for XXXX XXXX I have never heard of them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted online collections of XXXX on XX/XX/2018 via written letter requesting VALIDATION of a debt in the amount of {$560.00}. They prompted responded with a letter saying the date has been paid and my credit would reflect that. This is not proper VALIDATION under the terms of the FCRA. I am asking the company to supply a valid contract/lease with my signature on it validating it. This collection has caused great impact on my credit and it doesn't even belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Someone please help! I have reached out to Transunion multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldnt tell me anything over the phone. That's 51 days! A month later onXX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal.

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 2020-10-24
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I filed a dispute with this company about a bankruptcy that was reported the bureaus my file. I notified them that I had not filed for bankruptcy. On XX/XX/XXXX I was notified that this bankruptcy had been removed from their files. I keep disputing this same account with experian and transunion and they keep telling me that lexisnexis is certifying that it is reporting accurately. I recieved 2 false reports from lexis nexis providing that the information was removed. I noticed that my professional record was removed but the section was still in the report and when it comes to this bankruptcy the whole section isnt there. They are trying to make me believe it was deleted from my file bit when I applied for credit I was  notified on XX/XX/XXXX that there was a bankruptcy on my report and the reason I was denied credit with this company. XXXX XXXX pulls from lexis nexis and they told me that this bankruptcy is still there. They sent me a report with the bk section and then a few days later sent another without. Lexisnexis lied about their investigation and gave false information to me about my file. This is a clear violation and I intend to file full litigation against this company for such violations and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: PNC Bank N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Attempted to link PNCs account information to a mobile investment app named XXXX. Was told by XXXX that due to recent changes with PNC the accounts are unable to be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: TN
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 hereby do not acknowledge the following accounts and/or account balances described in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Um yes my name is XXXX XXXX and the reason I'm txting is because my credit is lock file is locked I caint use my credit because XXXX  got security freezie locked I caint get a load because XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a complaint against Experian to the CFPB on XXXX. Experian didn't respond to my dispute within 30 days of my dispute. The law states Experian have to investigate a dispute and send their finding within 30 days. That didn't occur. I open a complaint with the CFPB and my complaint is closed because Experian responds back with a statement that was made up to show they didn't break the law. There was no investigation by the CFPB to find out if Experian followed the law. Instead the CFPB contacted Experian and allowed their response to justify they didn't break the law and violated by rights as a consumer. If that is the case how is CFPB helping consumers by siding with Experian without any investigation into the complaint at hand. I submitted documentation that prove Experian didn't respond to my complaint or gave me results to their investigation within 30 days. That is breaking the law, is that ok with CFPB. this agency is here to defend consumers when their rights have been violated and obviously my rights have been violated and in result my claim is closed. Experian lied and said I asked for them to reinvestigate my dispute. I contacted them and told them to delete the convenient outsourcing account after 30 days of the submission on my dispute, which wasn't investigated and results given within 30 days. This account have to be removed from my account by law, not because anyone feels that is shouldn't be or if the furnisher says it is valid, they had 30 days to do so and they didn't. It isn't enough for CFPB to submit my complaint to Experian and wait until they respond and when they do respond close my compaint. If that is the case why does this agency exist? to trick the consumer in to thinking they can get help when an illegal act has been committed against them only to find out the CFPB is not on their side but working with the entity that committed an illegal act. I submitted documents that support evidence my statement and that wasn't taken into consideration. Leaving Experian not accountable for their actions a message I will surely get out using social media that CFPB is working with Experian to cause harmful acts against innocent consumers. I suggest my complaint is reopened and this time look at the evidence submitted and hold Experian accountable for not following the law.

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 2019-02-22
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I pulled all 3 credit reports and found Midland Funding, LLC was reporting a collection account. I disputed with all 3 credit bureaus and it came back as verified. I did not receive a dunning notice of alleged account from Midland Funding, LLC. I also was not notified within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter demanding validation. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I contacted Equifax on XXXX XXXX, 2017 regarding an expired account ( XXXX XXXX XXXX ) still being reported on my Equifax Credit Report. I asked when the account was scheduled to fall off my report. The customer service agent reported that XXXX XXXX XXXX reported the account on XXXX XXXX, 2017 and that it would come off my report in 10 years. All of this information is incorrect but I was not able to convince this person otherwise. He instead insisted that I sign up for monthly credit monitoring through Equifax. This service must be paid for. Reference Confirmation # XXXX.

Company response to consumer: Closed with explanation