BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-04
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: GA
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 was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I was notified by XXXX, the credit reporting agency that a collection account was added to my file. Upon review of the information, National Credit Systems posted a collection account in the amount of {$500.00} via the original creditor, XXXX XXXX XXXX XXXX Further research revealed XXXX  XXXX XXXX XXXX was the insurance bond my husband and I purchased when we rented an apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX from XX/XX/XXXX to XX/XX/XXXX. When we moved out of our apartments on XXXX XXXX, I was informed today XX/XX/XXXX that XXXX XXXX billed XXXX directly for painting, cleaning, and carpet cleaning fees totaling {$300.00}. We provided all our phone numbers, email, and forwarding addresses to XXXX XXXX  when we left. We also have mail forwarding set up. From XX/XX/XXXX until now, we never received any type of correspondence from XXXX  or XXXX XXXX  regarding such cleaning fees. XXXX did not try to reach out to me or my husband to try and collect the debt and decided to send us to collections which ultimately affected our credit we strive to work hard for. Additionally, XXXX is an all digital company for which you will not be able to speak to someone live to discuss the issue as we have tried to contact them via phone or email at XXXX and XXXX. Since we are unable to talk to anyone, we are unable to remove the negative information from our credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Western-Shamrock Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
Creditor : Western Shamrock Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( Western Shamrock XX/XX/XXXX ) I contacted Western Shamrock on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Western Shamrock or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2019-08-22
Company: Financial Management & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In violation of the Fair Debt Collection Practices Act, Financial Management just reported a {$1500.00} collection account on my credit report without first supplying me with a 30-day notice to dispute. If I has received the proper notification, I would have certainly contested the validity of the debt. However, I was never given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: ASSOCIATED BANC-CORP
State: IL
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:
This is the third complaint I have submitted regarding this issue. Associated Bank doesn't seem to understand the exact nature of my complaint so I will do my best to be as clear as possible. The bank is reporting a closed, paid-in full account as CURRENTLY 30-59 days late. The account was paid in full and closed in XXXX, which was six months ahead of its full term. Associated Bank seems to think I am disputing when the last payment was made but I am not. I'm not sure how I can be more clear. What I am requesting is that this account 's CURRENT PAYMENT STATUS please reflect that the account is not CURRENTLY past-due. The account is being reported this way to XXXX and XXXX. I spoke with representatives from both agencies who confirmed that the CURRENT STATUS for this account is being reported as 30-59 days late. I also request Associated Bank to respond with full details on this account, including the date of the last payment, current payment status, balance, term dates, date opened, date closed. By providing this information Associated Bank will be providing their own proof that this account is closed and not currently past due. It can not be paid in full and currently 30-59 days late at the same time. Attached is the canceled check of my last and final payment for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX BANK XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid off my AMEX card on XX/XX/XXXX, {$780.00}. The available credit has not shown up as of XX/XX/XXXX, I am leaving tomorrow to North Dakota, and planned on using it to pay for gas. I am also XXXX    XXXX, so i can chat, or email. I can not make a telephone call. When i chatted with support, they said they would be able to remedy the situation, but that I would have to call someone ( another agent ). When i told them that i couldn't do that, they said " well, you are going to have to wait another 4-5 days then. '' Basically, if the problem could have been solved by a person who did not have a XXXX   XXXX, but not by one who has, this is discrimination. They didn't even attempt to help me once I told them I can't XXXX. Game over. They quit. Now I am stranded, and have no money, because I spent everything to pay off that card. In the past, payments were applied immediately, and I was able to use them right away. Had I know this beforehand I would not have done that, I would have kept some cash to pay for my fuel. Now I have no money, a card that doesn't work, and can't get to North Dakota for my job. I feel totally helpless, and completely ignored and pushed aside. They have my money, hostage, and I can't get it back. Please help me, or at least make sure they can't do this to someone else in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Ive submitted multiple disputed to XXXX, Equifax and XXXX to remove several items from my consumer report and they are refusing to abide by my federal protected rights. Ive called XXXX multiple times they said they could not remove the security freeze they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed -Sent dispute letters XXXX XXXX and still have errors on my report 15 USC 1666b late payments from open ended credit plans cant be reported -Dispute was to remove the late payment which wasn't late but still have not fixed it 15 USC 1681 ( B ) must have written permission to furnish on my behalf -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages -Have n't been able to purchase a house due to error on my consumer report 15 USC 1681 ( a ) ( 4 ) right to privacy -Did not give consent to repost items to consumer report 15 USC 1681 ( b ) must follow reasonable procedures -Sent out unfreeze letter to XXXX  multiple times and still wont unfreeze my account 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported -Items was reported that i used my social to obtain 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting account number XXXX on my credit report and it should not be on there since I was apart of the Multi State AG Settlement.

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 2021-02-25
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Robocall before XXXX. XXXX from Discover called we have been trying to reach you to lower your interest rate. We dont have a Discover card. 
Call from XXXX. ID after call said XXXX XXXX. 
Multiple calls from XXXX. 
All our numbers are registered with the do not call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX You are in Direct Violation of The Fair Credit Report Act ( ) has violated several of my rights. 

15 U.S.C. 1681 section602 A. Clearly 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2019-08-22
Company: Global Credit & Collection Corporation
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Several months ago I sent a written cease and desist letter to regarding a XXXX   XXXX/XXXX XXXX account to not be contacting me via telephone at any number pursuant to the FDCPA.  That letter was received and responded to that stated they would cease and desist telephonic communications.  Today, on XX/XX/2019, I received a collections call from Global Credit and Collection Corp. in violation of the request to not be contacted via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: American Credit Acceptance, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My complaint is against XXXX XXXX XXXX. I have explained to representatives on a weekly basis that due to the pandemic, I was unable to make a payment until XXXX. I asked for a payment arrangement in XXXX as I did with our other vehicle lender. I was told it would be fine, just to call week by week as they were only to hold payments week by week, which I did call. Now when they call, they share that if I am not able to make a payment, they can not make any notes on the account. I am also told that no payment arrangement can be made until the balance is paid. Well I asked for an extension in the beginning and was told different things by different representatives. I know that these calls are recorded so you can listen to the nonsense for yourself. No I get calls at least 2 or 3 times a day, then received a letter saying once they are able to repossess the car, they will. I mean, this is a pandemic and seem to be the only lender threatening their patrons. This is an ongoing issue with American Credit Acceptance XXXX. I am not able to speak with a Supervisor and they will not email any updates regarding payments. The representatives are rude and just totally unempathetic to individuals struggling during COVID-19. I am really concerned with their unfair business practices and the constant harassment from representatives. I have had different conversations explaining our situation and it does not seem to matter and now it is getting out of hand. I am really not sure who else to contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Debt Recovery Solutions, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 DEBT RECOVERY SOLUTIONS , LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transfered/sold and i am no longer responsible for the account. 
Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, DEBT RECOVERY SOLUTIONS , LLC has violate my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband has asked this company who is more useless than XXXX why they didnt pull money out thats been over 2 weeks now. No answers. Its still not been pulled. What is going on!

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 2018-04-05
Company: 21ST MORTGAGE CORP.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt with 21st Mortgage Corporation that is a voluntary repossession. It was for a mobile home but was never connected to any type of land. I do agree that it should be a voluntary repossession but it should not be coded as a mortgage account, rather as an installment account. Since it is coded as a mortgage account it is showing up as a foreclosure on my credit report. It is incorrect and a FCRA violation. It is also showing up as mortgage late payments, but shouldn't since it was never a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Account status incorrect

Complaint:
This is for the XXXX XXXX account on my report that has been paid in full please review verify and delete the account from my report. 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
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. PLEASE BLOCK AND REMOVE IT.

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