BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The first dispute occurred while I was on XXXX XXXX for the XXXX in XXXX and XXXX of XXXX. I was not allowed to use a computer or able to access my mail to pay my Discover card bill during this time. I made a dispute with all 3 credit Bureau and Discover Card and they refuse to help or remove the error based on the circumstance. My account has been paid and in good standing since then and shouldn't be on my credit report due to the fact that I was not aloud to use a computer per orders from the US Govt at the time. I have uploaded my orders to this file. The second dispute I have is with a company called XXXX XXXX XXXX Account XXXX which was just placed on my credit report as of XX/XX/XXXX. The debt is from a company called XXXX XXXX. They say that I owe them {$1100.00} for a normal physical I had got last year XXXX. A physical that my XXXX XXXX  should have paid for. Even XXXX shows I had active and valid insurance during this time. XXXX had sent me a bill for this physical for {$260.00}. I made a complaint with them about this because was and issue with my XXXX insurance not being active at the time because I had just got off XXXX XXXX orders in XXXX of XXXX. I ended up paying the out of pocket cost of {$260.00} back in XXXX of XXXX. I uploaded and provided a screen shot of the paid bill and a XXXX balance on my XXXX account per their app. Which is the same cost for the physical that I had one month ago. 

This is related to complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Cooling & Winter LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Today I looked at my on-line check stub for payday this coming Friday, XX/XX/XXXX, and was very surprised to see a garnishment attached. I contacted my HR and was told that there was a garnishment by court order. HR then referred me to XXXX XXXX, XXXX. They in turn gave me a Case Number and referred me to the law firm of COOLING AND WINTER. This firm was rude, difficult and, hung up on me. I then called back to XXXX XXXX. This time, they told me that the garnishment was in relation to credit card debt with XXXX XXXX XXXX. I have not had a credit card with XXXX since early XXXX or somewhere in that time frame. I was never notified of any pending court action and thus had no way to refute any claims that were made. At the time that I got credit cards with XXXX, I was a resident of XXXX. In XXXX, the Statute of Limitations on credit card debt is 6 years ( OCGA 9-3-24 ). I am now a resident of XXXX XXXX and have been since XXXX. In XXXX XXXX, the Statute of Limitations is 3 years ( Civil Procedure 1-52.1 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Nelnet, Inc.
State: AR
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 am a single mother raising a XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this my XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: NJ
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 a closed a count on credit report which has disputable closed dates showing on XXXX XXXX and equifax. XXXX shows that the account was closed XX/XX/17, XXXX is showing the account closed XX/XX/17. This information isn't consistent on reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called to let Transunion there was a address wrong on 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 explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax leaks my personal information, and the information of millions others, and does n't tell any of us, directly, for over 30 days. I learned from the news. Completely irresponsible, the company should be shuttered and its executives driven to bankruptcy. Also, they have the gall to push their services on the site that tells us if we were compromised? Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They didn't get me logged in, I have called and called multiple times. That temporary password NEVER worked ( THE TEMPORARY PASSWORD WAS TO READ A MESSAGE, not to loggin ), they have not given me my username. Also they just gave sent a delinquent payment to the credit bureau. They have done nothing except laugh at the US government. I have called and spoken to multiple people to get this information and no one at TD bank has helped. I haven't seen a statement either, they stopped sending them to my house address. 

I want my username, I want to make a new password, I want an apology from TD bank, I want that delinquent payment taken off also. I will pay the minimum when I can log-on to my online account. I want a person from their tech department to call me and give me my username and they send me a link to my email address to make a new one. 

Also CFPB how about you contact the person with the complaint before you close the case. they have done nothing at addressing the real problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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: Was not notified of investigation status or results

Complaint:
Equifax was been hacked in XXXX XXXX, continuing through XX/XX/XXXX, and they did n't find out until the end of XX/XX/XXXX, and then did n't notify me ( or other consumers ) that our data was likely compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however Transunion, XXXX, and XXXX continues to allow XXXX XXXX XXXX to break the rule. They have exceeded the time long before I made this complaint. XXXX XXXX XXXX has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ).

I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!

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 2022-02-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: IL
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:
It appears to be a few inquiries on my credit report that i am unaware of, it appears that someone utilized my social to potentially get credit cards, and or auto loans under my name. 

XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Please investigate this as it violates my consumer rights as these inquiries are obsolete and in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: American Credit Acceptance, LLC
State: IL
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:
American Credit Acceptance is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however XXXX, XXXX, and XXXX continues to allow American credit acceptance to break the rule. They have exceeded the time long before I made this complaint. American Credit Acceptance has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ).

I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
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: Account status incorrect

Complaint:
I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to XXXX, XXXX and Experian in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another  loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted 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 2022-02-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

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 2018-09-06
Company: Experian Information Solutions Inc.
State: IL
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 contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2018-09-06
Company: EQUIFAX, INC.
State: MA
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:
I submitted a police report with a police report number to Equifax and XXXX showing that I am victim of identity theft and Equifx is still reporting on my credit file, I had requested documentation on why they did not remove this from account and I have not yet receive anything from both party, and no resolution

Company response to consumer: Closed with explanation