BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: AL
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:
I spoke with representatives at each of the bureaus to advise I have been a victim of identity theft as well as exposed to the Equifax data breach and wanted to unauthorized accounts and inquiries that were placed on my report as impermissible use to be deleted. I was told to mail or fax in FTC report along with a notarized affidavit for the account and inquiries in question that were fraud and they have failed to comply with the law. I never authorized anyone to pull my credit nor did I give anyone permission to report any information to my credit profile without my written consent, this is a clear violation of my rights under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person. This makes me feel like the bureaus don't have to follow the law and its causing me too much stress when I'm the one who is suffering as a victim. Its 45 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Nelnet, Inc.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been calling NelNet since XXXX to get my loan status changed from IN SCHOOL to the repayment plan I selected. XXXX of my loans are on the repayment plan but XXXX of them say I am still in school. I have been calling NelNet several times a month since XXXX trying to get them to help me after confirming with my school that they have released to the loan provider that I have graduated. on XX/XX/23 I called Nelnet and was again told by a customer service agent she could not help me and I had to call my university. I called my university to confirm they had released me and they said they had. I called NelNet again and some other customer service agent put in a " Request '' on my behalf to remove those loans from IN SCHOOL status to the repayment plan but that will take XXXX weeks. The problem is that I have a payment due with the XXXX PLAN on XX/XX/XXXX but even if I make a payment the loans that are marked as IN SCHOOL will still accrue interest even though I am no longer in school and want those on the repayment plan so there is no benefit to me making this payment. I am so frustrated at the lack of help that NelNet has provided and the inability to get things accomplished with in a timely matter. I am being punished and charged interest for something that is completely out of my control. I need HELP and I need someone that has answers or I will continue to be charged interest on top of XXXX XXXX payments which is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: Premier Auto Credit
State: CA
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:
Alleged 90 days late was a clerical error from the insurance company on total payment amount for total car payoff, total amount was wrong. Then total payment amount was corrected and the car was paid off in full. Premier Auto Credit agreed to remove alleged 90 days because of the insurance payment error, but never did. I requested numerous times to remove incorrect reporting according to FCRA act. Still waiting for Five years on the agreed verbal and mailed terms. Premier Auto denies receiving such letters and claims the letters may have been lost during moving transition.

Company has many consumer complaints for not agreeing to terms and agreements with their customers. Address on the credit report for Premier Auto is wrong and inaccurate : Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an old XXXX account that was reflecting on my credit report as not paid, but i paid this account through a third party on XX/XX/2018 and no one reported it to the credit reporting agencies. It came up when i applied for an apartment with XXXX XXXX. All i needed was proof that the account was paid so that i can be qualified for the rental. I got disqualified because the Law Office of Harris and Zide was unable to supply me with the letter indicating that I paid it in full and they bounced me back to contact XXXX. I called XXXX and they stated they sold this account and that there is nothing then can provide to me. They referred me to contact XXXX XXXX and they stated they had nothing on the account since it was sent back to XXXX. XXXX and XXXX XXXX blame each other on who was suppose to report this to the credit reporting agencies. I was never able to get a letter and I missed my opportunity in getting the rental. I am unable to move the request to another property because I can not get proof that this account was paid. According to XXXX, they stated they will report it, but it would take XXXX days. Again, i can not get approved for a rental because no one was able to provide me proof that I paid this account in full. At this point I am stuck and no where to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted 3 request to experian for a METHOD OF VERIRIFICATION and have received nothing but a letter stating that company reporting information is reporting it correctly. I have not received any information that I request in regards to who is reporting this information. Name and number of contact for the person. I have also request that if it is a 3rd party company that the information be removed from my credit because it is against FCRA to receive and report info from a 3rd party company as they are not able to fully verify my information is correct with that company. As a 3rd party company is not able to provide my full ssn or information as it is a violation of privacy act. ... ... ... ... ... 

I am outraged your company continues to maintain a dismissed or filed bankruptcy as confirmed on my credit report. This unconfirmed unverified dismissed bankruptcy as stop me from obtaining credit. I know for a fact your company receives third party information from a system know as pacer. The PACER system is inaccurate and incomplete since the PACER system does not provide complete social security numbers as that would be against the fair credit report act of privacy laws. The fair credit reporting act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissal or filing. This law clearly states from date of injunction or date of order of relief. It is only fair that according to section 1618 a f of the FCRA that you delete this from my credit report and send me an updated copy.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - [ 1681 ( c ) ( a ) -1 -- -Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EXPERIAN REFUSES TO ADHERE TO MY REQUEST FOR METHOD OF VERIFICATION AND CONTINUES TO REPORT AN UNCONFIRMED AND UNVERIFIED INFORMATION. I KNOW FOR A FACT THAT THIS INFORMATION WAS VERIFIED THROUGH BANKRUPTCY COURTS AS THEY DO NOT SUPPLY INFORMATION TO CREDIT REPORTING AGENCIES AS PROVEN BY THE LETTER ATTACHED TO MY COMPLAINT. IF A THIRD PARTY IS PROVIDING EXPERIAN WITH MY FULL SOCIAL AND ALL OF MY PERSONAL INFORMATION I NEED THE NAME AND CONTACT INFORMATION SO THAT I MAY FILE A DISPUTE WITH THEM FOR VIOLATING THE FCRA PRIVACY ACT.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-10-13
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: Reporting company used your report improperly

Complaint:
I went to a XXXX Dealership to see if I could trade my vechicle in and I ask them not to run my credit if they wasn't able to put me in something I was re-assured that they didn't need to. I didn't know they still ran my credit without my consent until I decided to pull my credit report to see what was on it, only to find out that they ran my credit and that it had been ran 15 times for diffrent things by them I had never used my credit for anything or had it ran. I reported this situation several times with no results. I am requesting for all these Inquiries to be removed asap because I wasn't aware of them and they was added fraudently without my consent. I have listed all the inquries below that I would like to be removed from my account asap. Thank you XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, US Sm Bus Admin ODA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have submitted many letters to the CRAs about accounts that are not mine and are reporting inaccurately on my credit report. I have sent at least XXXX sets of dispute letters and they responded with stall tactics saying I am not sending my own letters as a response. The accounts listed on my letters are the accounts I want answers too. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt Collectors ) Also there is a late payment that should not be reporting that I want the late payment removed due to reporting my private information on a public record

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 2023-01-05
Company: Genesis FS Card Services, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Genesis. Destiny. Credit. Card. Pre-approved. Me. For. A. Credit. Card. With. {$700.00}. Credit. Line. And. Asked. Me. To. Send. Identity information. Which. I. Did. Still. They. Refuse. To. Issue. Me. The. Credit. Card?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, XXXX, XXXX and Trans Union collectively.  A debt collection agency known as XXXX XXXX is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The Bureaus and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.

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 2021-09-09
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/2017- MIDLAND FUNDING as they are wrongfully reporting to my credit report. I've sent multiple letter to the credit bureaus to remove. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Southern Management Systems Inc.
State: NM
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:
Leasing agreement was terminated appropriately and no additional payment was due. I am now being held responsible for non payment of the agreement. I also never received any correspondence regarding this collection from either XXXX XXXX XXXX or Southern Management Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account was properly investigated but how Is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This ground for removal they also violated my rights under 15usc 1681 section 602 15 usc 1681 section 604 A section 2 also the credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX,, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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