BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This should settle the issue anout the sole credit card on my credit report, by Equifax. Notice the key words " up to XXXX years '' : " XXXX XXXX XXXX You are here : Finance Blog Home XXXX Credit XXXX FAQ : How Long Does Information Stay on My Credit Report? 
Stay financially savvy with the Equifax Advisor. 
Sign up for our FREE Monthly Email Newsletter FAQ : How Long Does Information Stay on My Credit Report? 
Written by XXXX XXXX on XXXX XXXX, XXXX in Credit | XXXX comments Credit report informationHow long does information stay on my credit report? 
By XXXX XXXX In our regular surveys of consumers who come to the Equifax website and who call our call centers, this is by far the most asked question. 
It 's understandable, given how credit is so important to someone 's personal finances. Mostly, consumers who ask this question are concerned about how negative information like bankruptcies, judgments, and late payments affects their credit history and score. 
Luckily, there are set time frames for how long negative information remains on a credit report. In general, negative information more than seven years old from the date of last activity ( ten years for bankruptcies ) must be removed from your file. 
When it comes to a credit history and score, consumers often mistakenly believe that any negative information in their credit report comes from the credit reporting agency. 
In fact, all information, both positive and negative, is reported to the XXXX nationwide credit reporting agencies by lenders who have granted you credit, is included in public record information, or is reported by collection agencies. Credit reporting agencies compile this information and lists it in your credit report. 
Here 's a rundown of how long certain types of credit information will remain on your credit history : Credit Accounts Accounts paid as agreed generally remain on your credit file for up to ten years from the date of last activity ( DLA ) .... '' So this is simple. In XX/XX/XXXX, there is zero reason for any reporting on the XXXX XXXX XXXX account that was never owned by that bank at any time ; was closed XXXX XXXX by me and closed by me ; had no activity since ; had no payments or balance since the ten-year benchmark. This is fraud and wrong and should never been put onto my credit report. After investigation and reinvestigation the date itself - XX/XX/XXXX - obviously not to be reported whatsoever. There is no purpose for it. Moreover, if there was any " activity '' XXXX XXXX XXXX told me they did not furnish it. Someone else did? Who? When? What? How?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
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:
in accordance with the fair credit reporting act 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 1666B : A creditor may not treat a payment.

on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have XXXX collections that just showed up on my reports. This item has been removed before I believe because the amount is the same. If the reporting companies where to investigate this they will find it is not mine or that this alleged debt is uncollectible and this is a duplicate item that has been removed. I want it ran down and I want to know how this was put on my reports when I have absolutely no idea what or where this has come from. NO validation has ever been. sent to me EVER concerning this from either of the companies that say I owe this money. I have been dealing with scammers for over 2 years now and I am ready to litigate with anyone over this here in XXXX. I do n't know how this can be put on my reports when there is no verification of said debt??? This is illegal and I want my credit back to normal. I hold the reporting agencies responsible for helping fraudulent collection companies put wrong, inaccurate and and un verified and unvalidated items on my report, how is this legal??? This item has been passed around to at least XXXX collection agencies and I have managed to keep it off my report until now.

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 2022-04-13
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:
FRCA Violation auto loans XXXX XXXX FRCA Violation credit card XXXX XXXX  FRCA Violation other loans late payment XXXX  XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FRCA Violation XXXX  loans XXXX XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans late payment XXXX  XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2020-03-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Citizens banks claims The debt of XXXX from 2007 stills provides false information to the credit by providing payments in ever made to them. Due to the information being provided the credits company continue to undate this information is he during menform buying a house or keep my Clearance with the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pressler and Pressler is continuing to sue people in new jersey. 
XXXX Plaintiff : XXXX XXXX XXXX XXXX Pressler and Pressler Defendant : XXXX XXXX The credit card debt is already charged off by the bank. This charged off debt is being sold to third party. 

Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( federal debt collectors protection act ) which says " nothing in this title ( fdcpa ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

The credit card company has already been paid by insurance for the charged off debt. The companies like XXXX XXXX XXXX is paying pennies on a dollar for the charged off debt and harassing people who are already in financial trouble. 

1. Plaintiff admits voluntarily purchasing the alleged account causing the Plaintiff 's damages to its own self. Scienti et volenti non fit injuria - " An injury is not done to one who knows and wills it. '' 2. The defendant reserves the right to plead other affirmative defenses that may become applicable and or available at a later time. 

3. The defendant reserves the right to submit counterclaims that may become applicable and/or available at a later time. 

The defendant requests this case be dismissed with prejudice along with any further relief the Consumer Financial Protection Bureau and XXXX deems just and proper. 


This is fraud and needs to stop. Please help. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not the primary account holder and have no control or option to resolve this account but i can tell you that I was sick with advanced stage XXXX a few years ago. During that time I was away seeking treatment. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved. This company has multiple accounts with my name involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act the following have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions 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 XXXXXXXX

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 2017-05-23
Company: EQUIFAX, INC.
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:
I have disputed multiple  XXXX   XXXX  accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never received a response back concerning my disputing what this company stated for my XXXX/XXXX/2016 complaint. The company still has not removed the false items from my from my credit report. On XXXX/XXXX/2016 I responded to this company .... I do not agree with this. You can come up with XXXX pieces of paper, but until you come up with a legal document that has my original signature that I walked into a building and signed you have nothing. I did no such thing as go on a computer and borrow money from anyone Ad Astro has not contacted me via phone, because I have never spoken to anyone at this company nor have I received any mail from them. Ad Astro just reported the accounts on my credit report and that is how I found out. All XXXX of my credit reports for 3 years had initial fraud alert 's placed on them, because someone had used my identity. Not until last year did I have the fraud alerts removed from my credit reports. Ad Astro has been no help at all in trying to get this situation corrected and the items removed from my credit report. Also, e-signed documents are not documents showing my signature. If I needed to take out loans I would have walked into an office requesting XXXX. Ad Astro claims that they checked accounts information and was told that the accounts were correct in there response, ok so where is the actual documents showing that I signed for loans, there is none. Ad Astro seems to just update the XXXX and not even check to make sure that the information they report is correct. At no time have I been sent documents showing anything that this company claims to have done to correct or even look into this issue. I will not pay a debt that I did not create. Anyone can go online with my information as they did and take out a loan. I feel like this company should have validated the identity of the person that took out the loan with a photo or something more accurate, but they did n't and why have n't the loan companies contacted me if I so called owed them for a debt. And please stop lieing in your response in XXXX paragraph stating that you all remove items until the issue is resolved and then turn around in the next paragraph and say we have contacted the bureaus to place the items back on to reports when in all reality nothing was removed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Receivable Management Group, Inc. (GA)
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 filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and  XXXX  notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Currently stuck inside due to possibly being infected with XXXX XXXX. USAA will not work with me on payments and continue to harass me and hit my credit. Not very friendly to service members and veterans dealing with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Stevens Business Service, 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: Information belongs to someone else

Complaint:
By 18 U.S.C Code 1028 ( knowingly transfers an identification document, authentication feature, or false identification document knowing that such document or feature was stolen or produced without lawful authority ). I have been trying to take these collections out of my credit report for a year cause of an identity of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Account information incorrect

Complaint:
On XX/XX/2022 I paid off my XXXX XXXX XXXX loan in full. However, this information was not updated by the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
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:
I agreed to do a pay for delete with a credit card that I had with XXXX XXXX/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off XXXX XXXX did not delete the account like they said they would.

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 2016-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This has been going on for over one year with myself trying to get information off my credit that is either not mine or reported incorrectly. I can go on and on and on!!! There is something on my credit now that is n't mine and I am getting ready to lose my deposit because they wo n't take it off. I 'm am getting ready to sue them for lost time and aggravation of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not the primary account holder and have no control or option to resolve this account but i can tell you that I was sick with advanced stage XXXX a few years ago. During that time I was away seeking treatment. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved. This company has multiple accounts with my name involved.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
In XXXX of XXXX  this year, I submitted a request to the credit bureaus because I noticed that there is some inaccurate information being reported being reported on my credit reports. I have not received the information back about these accounts or how the accounts were verified to be placed on my credit reports. I am also aware that my information was in the recent XXXX XXXX XXXX in which I have asked that all bureaus remove the non-account holding inquiries and inaccurate personal information from my credit profiles. Of which I have received no correspondence back at this time. I am requested for these to be deleted from my credit reports immediately.

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 2017-07-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.

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 2017-10-04
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please find attached the letter from the creditor ( citi card ) foe which they have approved to have the 30 day late to be removed from my credit reporintings XXXX, XXXX have been reporting it, please help me to have them removed from their reports 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 2022-04-13
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. As of today, over 60 days later, I have not received a response yet. At this point, I feel as if my rights have been violated and I have been taken advantage of. I feel that my request regarding my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety caused by the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have been compromised and gotten into the hands of the wrong people.

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