BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: GREAT LAKES
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have set up my Great Lakes account to pay my principal after the monthly minimum payment. I set it up to directly go 100 % towards my token with the lowest amount. I called and got the run around on how to do this. I have started the process 3 months ago and my account is still not being allocated as I would like. I still have my excess payment paying interest after I called and switched it online to have 100 percent go directly towards my principal. They have it set up as paid ahead and I told them I do not want this I would like 100 percent to go towards my principal. They told me this can not be done. I know this can be done because I did this with my other student loans. I am also getting different answers on different days I call. The next step will be writing them a letter I got off of the Consumer Financial Protection Bureau that states in writing how I want my excess payment allocated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate two debts. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting the debt and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debts are mine. I have disputed these debts several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember these debts are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditors are the debt collector. By law it is the burden of the Collector to show I legally owe the debts and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debts must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, which went bankrupt a different company reporting I now owe them, closed accounts from more then 10 years old, paid accounts still showing as open on my credit report, 3 auto loans that were either closed or paid of by insurance companies still showing up as delinquent or open on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
No i had money coming out my account for no reason

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 2022-05-31
Company: CCS Financial Services, 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:
Today I received a credit alert saying a negative account jas been placed on my credit reports by CREDIT CONTROL SERVICE. I have received a validation showing anywhere that I owe this company money nor a contract showing I owe anything to this company. Yet they have placed a collection account on my credit which has negatively affected my credit scores. I do not know who this company is and they are in violation of my consumer rights as well as causing harm to my credit standing and good name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the forthcoming 15 days, I am scheduled to receive an updated credit report, and I am earnestly looking forward to the prospect of having all these fraudulent items, both in this current complaint and the one dated XX/XX/XXXX, expeditiously removed. Pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items from the file of a consumer that are identified as information resulting from an alleged identity theft, not later than four business days after the date of receipt. It is also explicitly stated in Section 605b that Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, specifically under reference # XXXX. Please find these specified items once again outlined below for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 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 2022-12-23
Company: EQUIFAX, INC.
State: NJ
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 investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
this debt was illegally reaged and this debt should not be owed as it was supposed to be sent to insurance and it is the subject of an open litigation case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent account XXXX XXXX XX/XX/XXXX Amount XXXX Date XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
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 called theXXXX and Experian after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the XXXX and Experian last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXXXXXX Balance Owed : {$12000.00} will be investigated and updated on my credit file.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: NJ
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TD BANK US HOLDING COMPANY
State: UT
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:
TDAF is reporting a debt on my file, and I no longer owe it. This debt is not only really old, it's past the statute in California. I am requesting this debt to be removed off of my credit file. I no longer owe this debt under statute laws, and should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: VW Credit
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:
As you are aware, a charge off is a debt that has been discharged and taken as a tax write-off by your company. However, I have noticed that despite this, the charge off is inaccurately reported as owed on my consumer reports. This reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( e ) ( b ), which mandates that all information reported must be 100 % accurate. 

I have been informed by the IRS that it is unlawful to report this information to my consumer report, either for collection purposes or to indicate a charged-off status. As such, your company 's reporting has caused me significant concern and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Resurgent Capital Services L.P.
State: AL
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:
XXXX unlawfully furnished personal information on credit report and also furnished to non affiliated third parties without my consent which is illegal and not lawfully. 

According to USC 1681 ( a ) ( i ), transactions between the consumer and person furnishing the report IS NOT supposed to be included in a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Case number with Capital One is : XXXX opened a Capital One credit card about a year ago and earned rewards on that. About a year after the account was opened, and when I tried to use the reward, the bank blocked my account and requested Government-issued ID, Utility bills, and Social Security. cards to be submitted in order to verify my identity. I first submitted my XXXX XXXX ( XXXX XXXX XXXX XXXX ), my utility bills, and my SS card. They came back and said that they do not accept XXXX XXXX and want me to send Driver 's license or state-issued ID. I sent it in and was told that my state ID ( Driver 's license ) expired and they can't accept it. I told them that my state ID is in the process of renewal and they insisted that " they only consider state ID as a government ID ''. I've been trying to contact them and see if there's alternative form of ID they accept but they refused to take any ID except the renewed " State '' Driver 's license. 

I don't know why a " Federal Government-issued ID ( XXXX XXXX XXXX  ) '' is not a valid Government ID and I feel that the bank is intentionally giving consumer a hard time when they tried to redeem rewards. These all happened when I began to use the reward. I've used the card for a few months and when it nears the renewal time for annual fee and I tried to use the rewards, they blocked the account and making consumer inaccessible to the rewards. 

Moreover, when I agreed to the card agreement, there's no clauses mentioning that only people have " State-issued ID '' can use the account or be a client of Capital One. I think that they have no reason to request and accept ONLY the state-ID. I proposed many other forms of ID ( Passport, Social benefit card, etc ) and they said no. They just want the current State ID, which I I believe violates the agreement, or at least was not something that fully disclosed to consumers. I believe that they are using the ID verification as a burden for people to use the reward, and by limiting only one type of ID being accepted, the people who do not have or do not want to obtain state-ID or do not want to pay to apply for state-ID is discriminated in some ways. The Federal ID is more widely accepted than state ID in any occasions nationwide. By restricting this, they can easily forfeited consumers ' rewards or making the reward inaccessible without any justifiable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: AL
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 I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2021-12-25
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:
I did a complaint with the CFPB on XX/XX/XXXX regarding XXXX XXXX the dispute in progress was completed on XX/XX/XXXX, I got a alert message from XXXX XXXX that the account was removed I also have attach pictures of that, I go back on Equifax website showing that they updated the information on XXXX XXXX and the account stating it still belongs to me which is incorrect fraudulent information. I dispute again on CFPB website because they are still reporting this information on my credit report and it is fraudulent activity I submit a complaint on XX/XX/XXXX it was compleated on XX/XX/XXXX and it also dropped my credit score XXXX points on XXXX XXXX but showing XXXX on Equifax website.I would like to dispute this information they reported XXXX XXXX two times on my credit report and the inquiries dropped my score. I need to dispute the score decrease on my credit report and multiple times of Equifax reporting XXXX XXXX twice on my credit report and decrease of my credit score. When XXXX Was delete it once before and it appear back on my credit report then after the dispute they completed the same day within a 24 hour period and it also reporting again on my credit report and dropped my credit score tremendously by XXXX XXXX points this is fraudulent activity that is going on with my credit report. Im one of the victims of the Equifax data breach settlement lawsuit I also have attachments of that. I am trying to resolve this matter regarding XXXX XXXX on my credit report and now that my credit report has decreased in the score tremendously XXXX XXXX points is in accurate It dropped my credit score tremendously when it should not have dropped my score when fraudulent activity reporting on my credit report, Equifax report the same inquiry again on my credit report and my credit score dropped XXXX points when it shouldve never been reported the same inaccurate fraudulent Account with XXXX XXXX XXXX would like XXXX XXXX removed from my credit report it should not be reporting multiple times my credit score decreased. I want my credit score back to where it was it was at a XXXX was my credit score and now my credit score is decreased tremendously by Equifax reporting the same fraudulent activity again on my credit report with XXXX XXXX that is showing on my credit Report as a update and then once it was removed it appears back on my credit report and had drop my credit score by XXXX point after reporting The same fraudulent activity on my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief