BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Equifax is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was collected as automated to come back as " verified ''. This is XXXX! 
Equifax is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate XXXX regarding this matter. Next step is to sue! 

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was settled and paid off. The company didnt report to the credit reporting agencies as agreed upon in the settlement agreement. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was paid in full and closed. XXXX shows accurate information. However, XXXX XXXX and Equifax showing as charged off as bad debt and never paid. XXXX XXXX XXXX XXXX XXXX  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Maximus Education, LLC dba Aidvantage
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:
Aidvantage, Department of Education collection company looked in my credit from the year of XXXX and reported that I am four late payments behind. I have four different loans. As of the XX/XX/XXXX it was credited asif it recently happened. I called the company I told them about it and they can go back 7 years on your credit and report. I told them you didnt have power of attorney of my account and company didnt exist. I filed a dispute with experian they did nothing but say we sorry. My credit score went down XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: PA
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:
Several credit card accounts have been opened, closed, placed in collections and acquired debt without my knowledge whatsoever. I am in the process of disputing everything in order for my credit to be repaired and restored. I have had some removed but I was told to continue by going through this process in order to prove my innocence. I'm looking to have this done as fast as possible, being that it is directly impacting my livelihood. As of XXXX, I have filed multiple disputes with credit card bureaus but I can not keep up with it all so I'm looking to take this step and receive some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Upgrade, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have been loyal customer Upgrade Rewards Checking. 
I'm very disappointed and upset that the Agent gave me wrong information regarding my mobile deposit reviewed my status funds be available by end of business. Unfortunately the information was givens incorrect and got email stated my funds won't be available within 10 days. If was told my funds be available within 10 days I have the agent voided the checked. Unfortunately it was late to voided past the deadline. Instead of getting funding as promised by the agent. I got email saying it need to be verifying to clear. I spoke with the manager regarding my concerns regarding your employee stated I was getting my funds by end business. Unfortunately it didn't happen I only got apology and it's out of there control got deposit. I try explain to manager it's the same payroll Check I direct deposit my check into my checking. I understand if I deposit for first time need 10 days. Unfortunately it's not the first time I deposit. I try to explain to manager I can't wait till 10 days to be clear. I live in the hotel and I need to make payment for my room. You telling me 10 days were am I going be staying at. All you say I'm sorry. Then your agent shouldn't telling the customer that they are getting funded. Now I have to figure were I'm going be staying at with no funds for 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I submitted my income certification for an income driven repayment plan on studentaid.gov. This has resulted in a significant increase in my monthly payment to about {$1200.00}. I recently learned that I did not need to do this. In fact, no one needs to certify their income until about XX/XX/XXXX. When I did the certification there was no mention of this anywhere on the studentaid.gov website or Mohela. I also did not get prevented from doing this ( or receive any alerts during the process ) even though it was obviously not in my best interest. Had I known I did not need to certify, I obviously would not have. I called Mohela and requested that they remove the certification and use the prior one on file before the payment pause to recalculate my payment and they refused. It seems unfair that they will force me to use the certification although it is not mandatory to do so until XX/XX/XXXX. I've read online that it is definitely possible to rescind the income certification ( Mohela has done this for other customers ) so they were a bit untruthful about not being able to do so. Can you please help me with this? This payment is very burdensome and I should also get to go without certification until XX/XX/XXXX as everyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Velocity Portfolio Group
State: FL
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

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 2023-11-04
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please find the attached documents. I urge the bureau to investigate these accounts, falsely reporting me as late, without any delay.

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 2023-12-12
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I reviewed my credit report on XX/XX/23 and I noticed multiple mistakes on my Equifax credit report. I wanted to make sure everything was up to date and accurate. I filed a dispute with Equifax on XX/XX/23 requesting that they reinvestigate these accounts and make sure that they were up to date, complete, and accurate, and if not to please update, modify, or delete these accounts. I placed the dispute on XX/XX/23 and it's been over 30 days. I'm not sure what Equifax is doing, but it has taken over 30 days for Equifax to respond to me and I know that according to law, they only have 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX  sent me a letter stating the account in question was charged off XX/XX/XXXX due to non payment with a balance of {$4000.00} XX/XX/XXXX the account was placed with XXXX XXXX XXXX XXXX to assist in collection efforts. 

On XX/XX/XXXX a lawsuit was filed with First District Court XXXX XXXX, State of Illinois, but later dismissed WITHOUT prejudice on XX/XX/XXXX. I ask that you immediately investigate and confirm this debt was dismissed without prejudice and remove it from my credit report and all of XXXX XXXX  records as the debt is no longer owed or valid.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Your assertion that the accounts in question have been verified is both vague and infuriating, as you have failed to provide any semblance of evidence or documentation to support this claim. The absence of such verification leaves me to question the legitimacy of your so-called investigation and raises doubts about the accuracy of the information you choose to report. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is perplexing that while one of the credit bureau has successfully confirmed the fraudulent status of these accounts and taken appropriate action to prevent them from tarnishing my credit report further, your bureau remains obstinate in its refusal to do the same. The lack of consistency among credit reporting agencies raises serious questions about the credibility and reliability of your bureau 's investigative processes. To my dismay, not only have you failed to provide any accurate information or verification of the disputed accounts, but you have also outright refused to remove them, despite clear evidence from other credit bureau that substantiates the fraudulent nature of these accounts. 
XXXX XXXX XXXX DELETE!!! EX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX DELETE!!! EX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable.

If other credit bureaus can confirm the fraudulent nature of these accounts, there is no excuse for your bureau 's inaction and refusal to remove them from my credit report. Furthermore, I insist that you take prompt and decisive action to rectify this situation. The continued reporting of fraudulent accounts on my credit report is not only damaging to my financial standing but also a clear violation of the Fair Credit Reporting Act ( FCRA ).

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 2023-02-01
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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

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 2023-10-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: IL
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my 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 explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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