BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX an erroneous collection account from Consumer Adjustment Co for {$2200.00} was placed on my credit report. Consumer Adjustment Company placed a collection on my credit report without ever contacting me first to validate or resolve. This company violated the Fair credit reporting act. I have never received a letter of validation to dispute from this company. No phone calls, or email to dispute. I was not giving 30 days. I do not owe this debt. This needs to be removed from my credit report. Researching this company shows that they are notorious for placing false collections on other people 's credit profiles. This false collection from this company is damaging my credit and I request that it be removed immediately. I do not have a contract with them. I have never signed any form of agreement with them. And have never even been contacted by this company. This is a violation of my rights under the Fair Credit Reporting Act and I request this be removed immediately. When I called the number on their website, XXXX, the first time, I was unable to complete their requests to initiate IdentityIQ, as I was driving. The gentleman on the phone said he would call me back. The call did come from XXXX which appears to be directly from Consumer Adjustment Company Inc. I did not answer because I was expecting the XXXX number. However, when I called back when I got out of the car, the call seemed to go to a holding company that holds collection debt from a variety of collection organizations and they were unable to help me without me providing them with a credit card to obtain my credit report to " confirm '' what I was requesting. As a matter of fact, the gentleman on the phone asked me who the collection company was. When I told him Consumer Adjustment Company he said he had never heard of them. I am requesting that this invalid collection account credit line be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I started and paid for my quote with XXXX in XXXX for my policy to start in XXXX. My final month with XXXX was in XXXX because they increased my insurance from {$230.00} to almost {$370.00} a month. I advised XXXX XXXX when making the payment that XXXX would be my final month and I have already started service for XXXX with XXXX. I do not owe XXXX XXXX a dime and the collection needs to be REMOVED from my credit file indefinitely! There practices are unethical and it is wrong to charge someone for services they canceled and paid their final charges. Please remove this account from my credit report! I submitted a dispute on the account and submitted the evidence and Experian finished my dispute within 2 days and stated the items have been verifies which is incorrect! How can information be verified in 2 days? This is my credit and my life that is being compromised!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-09-22
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  XXXX card ending in XXXX has the wrong balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EdFinancial Services
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ED Financial Services reports a balance on two studient loans on my XXXX credit report. I made the dispute in XXXX of XXXX. 
Balance {$14000.00}, and {$11000.00}. These loans were acquired by servicer XXXX XX/XX/XXXX. I attempted to resolve this dispute with XXXX. They did not resolve it, and I called ED Financial, and they would not remove this balance. 
The loans, since being transferred to XXXX, are shown Paid in Full by Dept Of Ed under the PSLF program. 
They seem to think this is the responsibility of XXXX, but XXXX insists that they are ED Financial 's responsibility The amount previously owed to both was duplicated, which then showed my total student loans as over XXXX USD. 
I am attaching the letter that shows the loan was transferred to XXXX and that US Dept of ED shows I have a XXXX balance.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2022-07-02
Company: Experian Information Solutions Inc.
State: TN
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:
There is a bankruptcy reporting on my credit that is inaccurate. I submitted evidence on XX/XX/2022 showing they have no way of verifying that it belongs to me and asked for proof and they will not provide it. I have attached the evidence below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/23 XXXX my husband was driving for work as a delivery driver and he received a text stating from Huntington asking if he authorized a XXXX XXXX and he sent back..NO.. then he received a call and person on the phone starting asking questions to verify they were talking with the account holder ( how much in account/address/etc.. ) my husband got a little suspicious and told the person he thought this scam and ended the call. After that he had received other text messages and phone calls from different # 's and he did not answer anything not knowing if they are scams or not. At XXXX pm we went to a Huntington branch and reported the fraud since by that time there were XXXX separate charges on his debit card that he did not charge nor authorize totaling {$2000.00}. We immediately cancelled that debit card ( XXXX ) and issued a new one and starting the fraud/dispute process. The bank teller did look at my husbands phone and she changed some of the # 's to say scam so he did not answer if they kept calling. Huntington did give us a provisional credit for that amount. On XX/XX/23 we received a letter stating they deemed the charges " valid '' and would be reversing the credit on XX/XX/23. We immediately went back to the bank and re-opened the case. I filed a police report ( which during the conversion the sheriff stated they phone # with the original text message that started this fraud was known to them ), we wrote a summary of what happened-sent it to the dispute center email. Sent screen shots of text messages. I gave Huntington authorization to discuss this fraud with the XXXX XXXX sheriffs dept. I have spent hours and hours on the phone with was I thought was the dispute dept trying to get this resolved and asking what can I do, asking for help. I have talked to many people and I found out that some of the people I talked to were with the dispute dept but a majority was with customer service people ( I did not know that ). On XX/XX/23 we received another letter from Huntington stating these charges were " authorized ''. The information they " found '' was inconsistent with the information we provided. We have since been trying to work with the original teller that helped us on XX/XX/23.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification regarding a new collection account on my credit reports. I have had identity theft issues. This debt was already dismissed in XXXX XXXX because it is not mine. Now they have sold it to a debt collector. I've disputed this item, they did not send me any of the requested proof of debt under 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Nelnet, 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:
In accordance with the Fair Credit Reporting act DEPT OF EDUCATION NELNET 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.

15 U.S.C 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: KY
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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 XXXX XXXX XXXX which antedates the report by more than XXXX 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 explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require DELETION. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no business with LVNV account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights.

15usc 1681 section 604A states I have a right to privacy 15usc 1681 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to XXXX on XX/XX/XXXX. Regrettably, XXXX has not responded to my inquiry, and the following discrepancies remain unresolved. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report pertains to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For each of these accounts, I dispute the accuracy of the reported information and request the necessary corrections to be made on my credit report. The details of each account are as follows : XXXX XXXX XXXX XXXX  : XXXX erroneously reports that this account was late. However, I have never been late on any payments for this account. I request that XXXX corrects or updates this inaccurate information on my credit report accordingly. 

XXXX XXXX XXXX : This account does not belong to me, and I have no association with XXXX XXXX XXXX. Therefore, I request that XXXX removes this account from my credit report, as it is inaccurately listed.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft I have attached all supporting documentation to support my such as police report and all verifiable identification, I demand that these inaccurate fraudulent accounts be blocked and removed from all XXXX credit reporting bureaus 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 2023-04-06
Company: EQUIFAX, INC.
State: OR
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:
According to 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NY
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:
If you look at there report XXXX they made an assumption of contact even thought my credit report said on XX/XX/XXXX XXXX I was in XXXX This was atleast a few months later after they purchased the alledged debt. In this report they said they didnt receive a validation request obviously because you mailed the letter to a XXXX XXXX when I was in XXXX XXXX this assumption it your error not mine. Under the law you must not assume contact you have to provide proof of contact. Please provide proof that I received the letter I have provided proof of address and court disposition of sentencing stating I was in XXXX  XX/XX/2016 .. your company is clearly violating the law with out no accountability. Secondly any debt I had is over 7 years old remove the debt. And I have not been given my credit file contract or payments also in clear violation. I dont need it provide it to the credit reporting XXXX since they seem to believe your company is in good faith investigating the matter.. I want everything payments binding contract .. with the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Medical bill shouldnt be on my credit. I have health insurance that the hospital verified. I think it should be off my credit because I was not aware of this debt and nobody contacted me about this debt. It just happened to be on my credit

Company response to consumer: Closed with explanation