BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: HI
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:
Experian has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & settlement lawsuit, and is available for free, on 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 2022-05-20
Company: Experian Information Solutions Inc.
State: LA
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} CREDIT XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : PROFESSIONAL XXXX XXXX ) XXXX Balance : {$710.00} Late Closed : XXXX XXXX XXXX XXXX XXXX : {$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 2022-05-20
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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX IN CO neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX IN CO. I have the right to demand and see the contract between XXXX XXXX XXXX IN CO and myself! Please send the proper validation

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 2022-05-20
Company: EQUIFAX, INC.
State: LA
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$710.00} Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Violated my consumer rights : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account XXXX Account Type : Collection Date open : XXXX Status : Seriously past due date/assigned to attorney, collection agency, or credit senator 's internal collection department. 

Status Updated : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
XXXX XXXX Disputed To Have Inquiries Removed But None Was Deleted Or Removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : PROFESSIONAL XXXX XXXX ) XXXX Balance : {$710.00} Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$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 2020-08-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
i sent out a dispute letter XX/XX/2020 and i havent recieved a response

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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
i sent out a dispute letter XX/XX/2020 and i havent recieved a response

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 2022-05-20
Company: Experian Information Solutions 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:
I filed an FTC identity theft report and tried many times to fix this problem but no one has responded to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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:
I filed an FTC identity theft report and tried many times to fix this problem but no one has responded to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: American Coradius International LLC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2017, I received a collection notice in the mail from American Coradius International LLC ( ACI ) stating that I owe {$480.00} to XXXX, and that I have 30 days to dispute the debt. The notice also states that ACI will settle for {$360.00} if I make the payment by XX/XX/2017. I 'm filing the complaint because I do n't owe XXXX any money. I have a XXXX account that I occasionally use for XXXX purchases, but it is connected to my bank account and the amount is immediately withdrawn. Based on what I 've read on the internet, I believe that this is a scam and I am requesting that legal action be taken against ACI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: CASHCALL, INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a {$2500.00} loan from XXXX XXXX who sold it to XXXX XXXX who sold it to Cash Call. I just found out that they are collecting on a loan without a license in Texas. Cash Call placed my signature on documents with their company name on it and I did not sign anything with them. I was also informed they are not a payday loan company which means they are in violation of Texas statutes regarding APR in addition to lending without a license. I have already paid them approximately {$9000.00} and have just over {$3000.00} left. I do not feel like this is legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
I have asked XXXX, XXXX, and Equifax to show proof of how they continuously verified these accounts showing up under my social security, and they have yet to show proof and/or remove those accounts from my credit profile, I have disputed these account for the past XXXX, asking each credit reporting agency to provide proof of how they verifed these account, and show proper documentation. Accounts below : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account Number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX ( {$20000.00} ) Account Number XXXX XXXX XXXX ( {$8500.00} ) XXXX XXXX XXXX ( {$0.00} ) XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When i was XXXX i got a credit card from XXXX XXXX im XXXX and still am not able to get it given back or any credit anywhere after accidentally putting it in an atm machine. It was identical looking to my debit card with XXXX XXXX. I extremely extremely need an end to this distasteful closing of my account. I cant even get married because i cant get credit since. I made every payment on time and in full for a year before the " incident ''. Ive had to turn down 6 proposals over this because i cant make my party happen. Help

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # : XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX 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, 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
Consumer complaint received 2020-08-14
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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I am a XXXX Veteran and was told that I could get a great discount from USAA for XXXX XXXX. I Called USAA for XXXX XXXX 3 weeks ago they gave me a quote and said I can receive the insurance the only thing that was holding me back they said that I had a freeze on my credit report. I called all 3 bureaus and took the freeze off there are no freezes on my credit reports now. I also called XXXX XXXX they comfirmed this as well. I still have no auto insurance from them. They keep giving me the run around and will not give me insurance. I feel that I am being age discriminated against. There is no reason why I should not have auto insurance. I would like someone to reach out to them and find out why I do not have my insurance yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have asked XXXX, Transunion, and XXXX to show proof of how they continuously verified these accounts showing up under my social security, and they have yet to show proof and/or remove those accounts from my credit profile, I have disputed these account for the past XXXX, asking each credit reporting agency to provide proof of how they verifed these account, and show proper documentation. Accounts below : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account Number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX ( {$20000.00} ) Account Number XXXX XXXX XXXX ( {$8500.00} ) XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX Account Number XXXX XXXX  Account Number 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 2016-02-02
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went to XXXX University in XXXX, Maryland for 5 years. My loans were through XXXX XXXX which is now Navient. I have around XXXX in loans. I have tried to make my payments on time and in full but I can not. The operators when I call have no solutions or knowledge, and can not help me, yet they hound me constantly to make a payment. Navient loans is contentiously calling me and harassing me to make a payment. I 've tried to work with them to get my payments lowered and they said they can do nothing for me. My co-signers are in debt as well but make more money than I do. I make only XXXX a year, and I 'm about to have a baby. But Navient continuously calls and says that I need to make my payments before I go into default. I have told them about my situation and they have no solutions for me. I can not afford almost half of my paycheck to go to my Student Loans. It 's ridiculous that I can not have my payments lowered to work with my financial situation.

Company response to consumer: Closed with explanation