BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: VA
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:
This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The following inquiries were removed from my report by Transunion and were resubmitted by Transunion without properly notifying me, therefore the items should be removed. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report shows a charged off account from XXXX. i do not have this loan. it was never mine, i tried to dispute it but got nowhere.i also show a lot of inquiries i never authorised ( like furniture credit inquiry ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Clear Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving repeated phone calls weekly by the debt collection company stating that I owe money on the furniture I purchased roughly two years ago. I have explained to the debt collector that most of my furniture was paid in cash and some of it was financed on the credit card the furniture store had issued. we have sent the statements reflecting the payoff of the credit card. the debt collector in return sent me a itemized list of the furniture but fails to show any proof of what exactly is that we owe money for? I have paid of the credit card the furniture was purchased from and why am I being reached out by a collection ageny after two years of the purchase? why did XXXX XXXX not contact us in the past two years? I am 100 % certain my debt if paid in full and if its not I will like the debt collector and XXXX XXXX to provide proof of what exactly it is that I owe the money for. not just a phone call stating I Owe money but not knowing what 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 explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: VA
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: PA
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 : 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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. 


The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2015-08-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX 2015 I sent disputes to Equifax regarding several unknown medical collections on my credit report including XXXX that appeared to be a duplicate. I contacted the collection agencies for validation, per Equifax 's instruction after receiving results that Equifax verified all collections. 

XXXX of the collection agencies that has XXXX unknown medical collections on my credit report are both unknown and unverifiable as the address listed on my Equifax credit report is not a valid address. 

The other collection agency that has XXXX unknown medical collections did not provide validation as requested either after receiving my disputes and request for validation. 

On XXXX XXXX 2015, I re-disputed the same collections with Equifax and sent proof that the XXXX collection agencies address was not a valid address, and that I sent the other collection agency a request for validation, Equifax once again verified all of the collections and refused to properly investigate which is violation of the FCRA and the XXXX. These entries are my credit report have affected my approval for a mortgage and are damaging to my credit report. 

I am requesting Equifax delete these collections as they have NOT properly investigated nor have the collection agencies provided validation. Attached is the proof from the XXXX collection agency who 's mail was returned. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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:
Last year I discovered a false account with XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX 2016 I checked my credit on credit karma and had a total of XXXX hard inquires removed from my report. I checked my account on XXXX XXXX 2016 and all XXXX hard inquires inquires were placed back onto my account without sending me a reinsertion letter as required by FCRA section 611. I have been calling Transunion ever since and received no help. No one will transfer me, no one will connect me to an American representative, or the fraud department. Multiple agents have been belligerent, some have told me that they know what happen but it 's basically too bad and I should simply file a complaint because they will not fix 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
Consumer complaint received 2016-01-24
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX/XXXX/2015, I filed a complaint with CFPB against Equifax ( RE : XXXX balance of {$11000.00} ) The dispute # XXXX. 
On XXXX/XXXX/2015, I received confirmation that Equifax agreed and complied to my resolution request to change the XXXX balance owed to {$0.00}. ( XXXX ). 
But, within 2 months, Equifax changed the balance back to the original amount. So, I filed a dispute on their action to report the original balance. to no avail! Equifax apparently is not going to honor the resolution they agreed to. 
I am submitting the CFPB complaint, Equifax response, Equifax dispute results ( XXXX ) and credit report info ( XXXX ) - all reflecting dates and balances. 
I am asking for any assistance you can give to help me resolve this situation, again! 
As, XXXX Bank chose to file a XXXX, cancellation of debt - I am no longer liable for this debt. 
So, I am asking that Equifax permanently delete, not only, the balance of {$11000.00}, but, also, permanently delete the XXXX Bank account from my credit report. 
" and not add it back on in a few months! '' Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
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:
I have been disputing 7 closed accounts with Experian with no results of resolutions. Specifically with providing me with proof that I have asked for under my rights per FCRA section 60 ( A ) ( 1 ). Pertaining to late payments and continuing to report late payments after the accounts are closed. 

1st letter of my dispute was sent certified mail requesting the the 7 closed to be validated per FCRA section 609 ( A ) ( 1 ). Please see attached certified mail dated XX/XX/2020 with USPS Tracking # XXXX. 

Experian came back with verifying my disputed accts as " accurate and validated '' thru data furnisher and updating the accts. But the reported info are the same with no changes. However they have completely ignored all my requests with providing documentations that validates the inaccuracies of their reportings.

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: Nelnet, 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: Account information incorrect

Complaint:
my school was closed because of fraudulent activity investigated by the department of education .i was mislead at this school. and believe loans were taken out without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

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 2015-10-14
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received almost daily calls from XXXX since XXXX/XXXX/15. Each time I answer, there is silence on the other end of the line. I received calls from this phone number on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XX/XX/XXXX, XX/XX/XXXX ( a federal holiday ) at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. 

I looked up the number online and it looks like it might be from Southwest Credit Systems ( a collections agency ) although I have no confirmation of this since no one speaks when I answer the phone. I have never communicated with this agency and just checked all of my accounts and credit reports and nothing is showing overdue or suspicious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-13
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I linked my bank account to my Robinhood account in XXXX of this year. I sent in XXXX dollars but my account was immediately locked. I was not told why, only that it was under investigation and asked me to send bank statements, social security card photos ( front and back, all XXXX corners showing ), and a selfie of me with my drivers license. 

Long story short : it has been over XXXX weeks and every time I speak to agents at robinhood they say they did not get the documents, and/or they are not in the right format and/or ask me to send more documents like my passport ( front and back ). Every time I call they ask for more documents that were not requested before, and yet they gaslight me and put the blame on me for supposedly not following directions or not getting back at them. 

During many of my calls they claim they can't find my records and say there have been numerous different case numbers created and hold me responsible for keeping track of all of them. They even had me take selfies with the computer camera after I had sent XXXX other selfies holding XXXX documents the first which they couldn't find and the second which they said was not sufficient but with no context. When I told them I just want my money back they told me they can not give it back because the account is under investigation, however they refuse to tell me why. 

Their customer service is rude, pathetically useless, and every time I call I feel like each agent handles the process in a completely new and different manner. They cut me off while I speak, and blame me for all the documents not being good enough. 

I am afraid for my Identity being stolen by these people, since they basically have everything about me. 

This feels like a scam and like my money is being held XXXX for them to do with it what they please. I have recently read tons of horror stories similar to mine and I really hope I do not become another statistic. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: FL
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 am a natural person, i am real living human being, i have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1881 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX  account # XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I wanted to update my last name after my divorce and they were requiring a court document to have for their file even though I had already provided this to the social security and the license branch and had proper legal ID for them to update this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last year I discovered a false account with XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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: CREDIT ACCEPTANCE CORPORATION
State: IN
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2022-04-13
Company: EQUIFAX, INC.
State: WA
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 Acct XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Santander Consumer USA 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:
I have written 3 dispute letters to the following company to validate and verify the debt they claim I owe them. They have failed to respond to me in writing in the 30 days allotted by the FCRA. 
1. ) Santander Consumer USA 2. ) XXXX XXXX XXXX. 
3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX XXXX TX

Company response to consumer: Closed with explanation