BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
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:
I previously disputed this item with  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over resolving my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my Experian  Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. B ankruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified because of the letter I received   from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze oon my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Experian they informed me everything was verified and accurate on  both Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged. I do n't understand how they were verified when noone at the courts verified and there is a S ecurity Freeze in place.     I have attached all documentation showing such information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: NM
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  XXXX  of  XXXX  I pulled my credit report and found t hat Dept. of  Education/ XXXX  was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred  while my income based repayment plan application processed. On the Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- sent return receipt request via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was asked and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not report 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this wa s unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .  XXXX  sent notification that they saw this and removed the late payment.   XXXX   and Equifax declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: DC
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  XXXX   XXXX , I noticed a collection account on all three of my credit reports. The tradeline was for a telecom account at an address in a state I do n't live in. I contacted the company and discovered the account was indeed attached to my name and social security number, but I never opened this account.     In fact, when the account entered delinquent status, I was currently in a contract with the same telecom company but in  XXXX  -- my place of residence. I filed disputes with Equifax,  XXXX  and  XXXX  and included my current  XXXX  contract and government issued ID. Both of these documents provided proof of address and length of residency.       XXXX   and  XXXX  immediately removed the account, b ut two ye ars later, I am still battling with Equifax. I tried again in  XXXX  of  XXXX  and  XXXX   XXXX . Each time Equifax claims they have determined the account belongs to me. I am now fully convinced that they simply matched my name and social as " verification '' and that was as far as the investigation went. They never explain how they came to that conclusion or why they believe I should be held liable for an account in my name that I did not open.     Thank you so much for all the hard work you folks at the CFPB do on behalf of all Americans. You guys are fighting the good fight!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: IL
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:
Equifax has been made aware of several times. I have disputed unknown inquires. Im requesting that Equifax remove this inquiry. I didnt give permission to anyone run My credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX 7476**Balance Owed : {$2500.00}

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 2022-09-13
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete XXXX XXXX XXXX Date opened XX/XX/2014 Balance : {$0.00}

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 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 obtained an educational loan through  XXXX   XXXX   XXXX   XXXX  (   XXXX   ) in  XXXX . The loan was administered by  XXXX   XXXX .     Following my retirement at the end of  XXXX   XXXX , I received only one bill from  XXXX   XXXX , for  XXXX   XXXX . I received no more bills from them thereafter, believing the loan to be paid off after 4 years. In  XXXX  of  XXXX , I discovered that  XXXX   XXXX  had submitted negative remarks to my credit records. I contacted  XXXX    XXXX   and arranged to bring the account up to date, which I did immediately.  XXXX   XXXX  claimed their bills were returned, and phone calls unanswered. However, I had not changed my address during the prior 21 years, and received no phone calls or messages from them. In addition, a test letter generated by  XXXX    XXXX   reached me successfully.  XXXX    XXXX   agreed to correct my credit records, acknowledging that  XXXX   XXXX  had caused the delays in payment by not providing timely billing.     Since that time, I have had my credit record cleared with other agencies.  XXXX   XXXX  claims they have contacted TransUnion multiple times ( see attached ), but no correction has been made.     I paid off the loan in full in  XXXX   XXXX , after receiving a report from TransUnion showing no adverse reports.     On  XXXX   XXXX ,  XXXX , I received a notification of my  XXXX  score from a loan application, and accessed my credit report from TransUnion due to the lower than expected score. The report is again showing the adverse report from the educational loan.      XXXX    XXXX   and I have exhausted our ability to clear this record.

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 2021-04-10
Company: EQUIFAX, INC.
State: OR
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The fact that I have been dealing with since XXXX for 2021 without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. 

According to the last complaint Transunion requested a additional 60 days to review the dispute. They have yet to respond. It is past the 60 day mark. At this time I request removal of account # XXXX Attached are documents to support my claim.

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 2022-09-13
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report there is a new account from OAC. I requested Debt Validation and i received a generated statement made by the company that isnt proper validation. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Santander Consumer USA Holdings Inc.
State: NV
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:
Over several years I have disputed this entry on my credit report through the three major credit reporting bureaus XXXX, XXXX, and XXXX. This information remains even though the account has been paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an adverse action notice from Synchrony Bank, dated  XXXX / XXXX / 2017 , in which they concluded there is a BANKRUPTCY PROCEEDING, CREDIT COUNCELING OR CREDITOR SETTLEMENT on my credit report based on an inquiry to   XXXX   by Synchrony Bank on  XXXX / XXXX / 2017 , resulting in the denial of a Walmart credit card with Synchrony Bank. This has resulted in an unwarranted financial hardship. I was prepared to take full advantage of the offer Synchrony Bank was currently running.   XXXX  There is no bankruptcy in my credit record, I have not received any credit counselling and have not been involved in any creditor settlement in any period which would be reported in my credit file. TransUnion staff verified this in a phone conversation on  XXXX / XXXX / 2017 . I also my TransUnion credit report on  XXXX / XXXX / 2017  and verified this myself.

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 2021-10-29
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send money to my friend on XXXX And the amoun is {$410.00}. 
The company shows the recipient recive that amount what she is not. I talk to company 4-5 time they give me UTR number : XXXX. 
Still i m wating for tranfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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 compliance with the Fair Credit Reporting Act. Equifax, XXXX XXXX, XXXX, has violating 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 consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains personal information about a consumer, unless the consumer consents to the furnishing of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
On XX/XX/22 I spoke to an associate at each of the adhering to business, XXXX, XXXX, and Transunion concerning the possibility that they were reporting fraudulent accounts on my consumer documents. I pleaded with them to get rid of these accounts as I had no understanding or details on where these accounts came from. I was told by all XXXX companies that I needed documents and also to submit an FTC record. I did simply that and sent my letters using certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my record and also were in some way " verified '' even though they are not mine. I am incredibly overwhelmed and also disappointed over this because my family members as well as I are trying to buy a home and this circumstance is maintaining us from being able to do so. I called all XXXX companies once more on XX/XX/22, asking how they somehow verified that these accounts were mine however they only told me to speak to the creditors directly which they couldn't do anything else to aid me. I tried calling all the financial institutions that were fraudulently reporting on the customer file, as well as with no shock they had no understanding of me or the accounts either. I am not exactly sure what else to do and after looking into on the internet I came across the CFPB web site that some good friends of mine told me would certainly help me with my situation. I actually wish this helps because my family as well as I frantically need this home we are attempting to look for.

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 2022-09-13
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 Account # 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 explanation
Consumer complaint received 2022-04-02
Company: Navient Solutions, LLC.
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:
Navient is showing 11 late school loan payments but I have been on deferment and income based repayment plan for five years. No payment due until XX/XX/2022, yet late payments are shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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: Old information reappears or never goes away

Complaint:
I have contacted the credit bureau to advise them that the account with XXXX XXXX auto was opened in XXXX and reported to Equifax in XXXX as a negative closed account. The account is currently reporting as my oldest account, it has been reporting for 8 years. I disputed the accuracy of the account in XXXX of XXXX, the creditor responded and validated that the amount owed was correct. 
Equifax is now stating that the account will remain until XXXX which will be over 17 years of them reporting the account as a negative account. Which violates my rights and also the Fair credit reporting act. This account has fallen off of XXXX and XXXX.

Company response to consumer: Closed with explanation