BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. Let me be unequivocal : if you persist in denying my rightful dispute, I will not hesitate to pursue legal action against your bureau and any other entities involved in this gross negligence. I am prepared to take this matter to court and seek significant damages for the distress and harm caused by your willful noncompliance. Here are the accounts I needed to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX, XXXX. XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bridgecrest is currently reporting late payments, a charge-off, and a current overdue balance owed of {$13000.00}. The issue with this account began with the seller XXXX of the vehicle failing to provide me title and registration which drug out for more than a year. I was pulled over three times, and threatened with arrest for driving an unregistered vehicle. XXXX is now involved in multiple class action federal lawsuits for this negligence. I attempted to return the vehicle in question to Bridgecrest via voluntary repossession, giving them multiple times, the address of the vehicle and explaining due to the fact it was illegal to drive and our contract for payment had been voided by XXXX I would no longer be making payments. I was XXXX XXXX military living 45 minutes from XXXX, and not having a vehicle legal to drive was not an option. I was forced to return the vehicle to XXXXBridgecrest. Then, I lost my XXXX XXXX XXXX  and pay due to XXXXXXXX XXXX XXXX. In the fall of 2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. As a result, I qualify for title XXXX protection of my income, and for all debts prior to that time to be considered 'non-collectable. ' Upon dispute, they all have complied except Bridgecrest. Including federally-backed XXXX  loans. {$0.00} balance, and zero adverse credit file information regarding late payments. I am in a dangerous living situation that requires swift remedy. Due to my limited XXXX income and poor credit rating from issues surrounding this exceptional hardship, I am trapped in a dangerous neighborhood during a painfully competitive housing market with a wife and small child. We have already been the victims of both property crime and violent crime. We must get to safe housing as soon as possible. I don't have months to haggle over erroneous debts and negative credit file information. The threat of harm against my family, and inability to qualify for better housing due to erroneous credit file info is keeping my XXXX XXXX up and worsening my XXXX XXXX. I have spoken to multiple attorneys regarding this case, am taking action to join one of the federal lawsuits against Bridgecrest 's XXXX XXXX, and due to the emergency nature of my situation my next step will be to pursue the matter in federal court seeking damages for duress if the negative credit file information is not removed expediently. This is your ... last ... chance to correct your position involving the false credit file information Bridgecrest and exercise " right to remedy '' prior to legal proceedings. Please comply. Only written communication will be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX : {$750.00} ; XXXX XXXX XXXX XXXX : {$510.00} ; TXXXX XXXXXXXX XXXX  : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: DC
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 Account Number:XXXX Account Name : XXXX Account NumberXXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: TX
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:
Regarding the following item listed on my credit report. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2016 Status Paid, Closed. {$10.00}, XXXX written off. 
This was never written off but paid in full by the insurance company after a total loss accident. However, XXXX and Experian refuse to correct their incorrect information, despite being notified.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I maintain that these late payments are inaccurately reported, and I am troubled by the fact that your bureau has allowed such misleading information to tarnish my credit report. As a consumer, I expect that credit reporting agencies exercise due diligence in ensuring the accuracy of the information they disseminate. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am deeply concerned about the negative impact this misinformation is having on my creditworthiness and financial standing. 
XXXXXXXX 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. 
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. 
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. 
I request an immediate and thorough investigation into the reporting of these late payments. The inaccuracies in question are unacceptable and have the potential to cause significant harm to my creditworthiness, impacting my ability to secure favorable terms for future financial transactions.

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 2022-09-22
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Title is exactly as stated. 

TD Bank back in XXXX closed my account because of delinquency. I had to pay off that amount before opening a new one with a balance of {$790.00}. The amount was paid in person, cash, in XXXX. Now in XXXX as of XX/XX/XXXX I was charged {$460.00} for an offset as well as on XX/XX/XXXX charged {$520.00} for a total of {$970.00}. I was told there's also a remaining balance of {$270.00}. 

I have contacted every single person I can manage to get ahold of. The boss of one particular store with a job title of " Business Analysts Supervisor/Account supervisor '' contacted me and told me that I could dispute the claim but there was no way they can reverse the offset. Also last week when I was in person they said they would do the exact same thing and nobody called me to give me an answer. I called back and spoke with the boss with a fancy long title. So I then called customer service. Since it was an offset they were unable to dispute it and said they would connect me to someone who could. I was connected with their Recovery department. The agent was not able to dispute the claim either. The only thing she noticed and was able to do was inquire and fill out an investigation of why I was being charged over the amount of the balance owed, which still doesn't solve the original problem of being charged 2x for something that was paid off in XXXX. 

I seriously need help here. Nobody at TD helps. Everyone says can't do anything about it. Nobody seems competent or in any real position of power to do anything. I have a scheduled call with the supervisor 's boss I had spoke to in the next 24 hours, " Business Analyst Supervisor ''. Essentially I'm speaking to every supervisor, getting their job title and name, and asking for their supervisor since every person contradicts themself with no consistency. When asked if they can explain the charge in detail, I never get a direct answer. It's just, X amount from collections. Forgive me on this because I'm not quite sure but after a certain amount of time don't banks just sell their debt to the lowest bidder after 180 days or so? So would a third party actually own my debt as well? Five year later collections comes after me? It all makes zero sense and feels like white collar theft. 

Will I have to take legal action? I'm open to all advice please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: KS
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 ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX XXXXXXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX XXXXXXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # 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 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 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-11-22
Company: EQUIFAX, INC.
State: NJ
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:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries thatappeared on my credit report. Despite my multiple attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: AR
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 formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These are the accouts that I want to be corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$270.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Auto Credit of Virginia Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 
XX/XX/XXXX  Auto Credit of Virginia summoned XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for a debt not verified to collect additional payment on an obligation of the United States from an extension of credit backed by the full faith and credit of the United States. 
15 USC 1692F unfair practices taking a threat to take any non judicial action to affect disposition or disablement of property. There is no present right to possession of the property claimed as collateral through an enforceable security interest. There is no present intention to take possession of the property or the property is exempt.

15 USC 1692 abusive practices deceptive and unfair debt collection practices 15 USC 1605 Vehicle the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.

[ Truth and Lending Act ] 15 USC 1679 ( I ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. [ Finance Charge Consumer Credit Transaction ] GOOD FAITH LOAN 15 USC 1662 ( b ) down payments not required No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EdFinancial Services
State: WI
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:
I have federal student loans with EdFinancial. 
I am on Income Based Repayment, and re-certified my income through studentaid.gov in XXXX of XXXX, and I was approved for income-based repayment in XX/XX/2023 according to my account information on studentaid.gov. My XXXX payment is {$0.00} per month. 
EdFinancial instituted a system update over the summer of 2023, during the student loan payment pause secondary to COVID. As a result of this update, I no longer have access to my payment or correspondence history, and my payment has been put on the standard payment plan. The monthly amount on the standard payment plan is {$490.00}, first paid on XX/XX/2023. When I called EdFinancial in XXXX of XXXX  about why my payment was not the income based repayment amount, they stated that they may have " lost '' my income-based repayment application. They also stated they could not access any of my payment or correspondence history from the old system. I made an official request for that information to be sent to me, and for them to do a check to find the " lost '' XXXX application. As of XX/XX/2023, I have only received the payment history by email. My payment is still the standard payment. Further, it says my amount due is {$0.00} in one location on my loan account, but in another location it indicates a next payment due of {$490.00} on XX/XX/2023. My loans are on auto-pay, and they did indeed withdraw {$490.00} on XX/XX/2023.

Company response to consumer: Untimely response