BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-04
Company: EQUIFAX, INC.
State: PA
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:
My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, XXXX and Equifax. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of EDXXXX XXXX My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from XXXX thus XXXX  out these amounts with XXXX. 
My Equifax report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with Equifax XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My XXXX report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XXXX XXXX, 2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
How many times have I told you that these Items are in litigation? Please delete these Items XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as they are Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: GA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$14000.00} XXXX XXXX {$3700.00} Open balance {$320.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Reported balance Credit limit {$4000.00} XXXX  Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} Reported balance Credit limit {$4000.00} XXXX Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} 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 2023-07-12
Company: EQUIFAX, INC.
State: TX
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 want to file this please as my formal complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
Company: The Leviton Law Firm, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Tuesday XX/XX/2018, I was contacted by XXXX XXXX of the Leviton Law Firm via email. Mr. XXXX sent the same email to three of my email addresses. Later that day, I responded to Mr. XXXX to, among other things, request that he contact me only through one of the three email addresses used, as the other are unrelated to the debt in dispute. 

He has ignored my request to do so and continues to send emails to my three addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
We had 2 months deferred due to the pandemic and is showing 30 days late. the account is now paid off and should reflect as never late Please see attached deferred payment agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have fraudulent accounts reporting to my reports. I filled out a identity theft and police report and the bureaus are still refusing to delete the accounts : 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 2022-06-01
Company: Experian Information Solutions Inc.
State: SC
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 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, US Dept ED Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-09-27
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: Their investigation did not fix an error on your report

Complaint:
I am appalled by the inability of the Credit Bureaus to properly investigate my Credit File and remove the disputed fraudulent accounts and information that are still reporting on my Credit File. Again, I was a victim of identity theft and I am submitting this CFPB Complaint as another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}. Also, the Credit Bureaus have claimed that the Disputed items are verified and are reporting Accurate information thus they continued reporting the disputed items. However, I never received anything as proof of verification let alone any documents bearing my signature. If the Credit Bureaus continued their erroneous reporting, please understand I will initiate legal countermeasures.

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 2019-07-27
Company: EQUIFAX, INC.
State: OH
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 monitor my credit daily ok. 
I get updates and credit alerts from everywhere. 
I just got an update on XX/XX/XXXX and again on XX/XX/XXXX that my credit was the same as its been for almost two months it was XXXX. 
Keep in mind I have had no changes OTHER than amounts " decreasing '' from my total debts. 
On XX/XX/XXXX I got an update from the bureaus ( XXXX  AND EQUIFAX ) that my credit went down 38 points DUE TO A NEGATIVE REMARK XXXX   POSTED ON MY ACCOUNTS. 
I pay Chase on time EVERY MONTH. 
I spoke to Gentleman in the XXXX Credit Bureau Correction dept about the error. 
I was given information that the remark shouldnt have made my score go down BUT AGAIN IT DID. 
He also tried to blame it on a " third party applicator '' BUT NO SIR THIS CAME DIRECTLY FROM XXXX AND EQUIFAX My credit score decreased drastically soley bc of the NEGATIVE REMARK XXXX ADDED TO MY ACCOUNT. 
XXXX needs to STOP adding UNECESSARY remarks on my credit file. 
IF IM NOT LATE DO NOT ADD ANYTHING TO MY FILE. 
DONT ADD NONE OF THAT TO MY CREDIT FILE BC IT DECREASES MY CREDIT SCORE DRASTICALLY I'm a XXXX  XXXX OK. 
I monitor my credit 500 times a day. 
I'M ADDING PICTURES TO SHOW HOW MY SCORE WENT DOWN SOLEY BC OF THE REMARK CHASE ADDED TO MY ACCOUNT. 
Not even sure why they added that UNECCESSARY REMARK ON MY CREDIT FILE PERIOD. 
THE GENTLEMAN EVEN TOLD ME OUT HIS OWN MOUTH SOMETIMES WHEN XXXX ADDS REMARKS PPL HAVE CALLED IN AND STATED THEIR SCORE WENT DOWN. 
THIS NEEDS TO BE INVESTIGATED INTERNALLY. 
XXXX NEEDS TO REMOVE THE REMARK THEY JUST PLACED ON MY FILE ON XX/XX/2019 REGARDING THAT DISPUTE. 
AND IT NEEDS TO BE REMOVED EXPEDITIOUSLY. 
A DISPUTE WAS FILED BUT IT HAD NO BEARING ON ANYTHING BC IT WAS ONLY FOR {$30.00} AND I NEVER FOLLOWED THROUGH WITH IT. 
IT WAS NEVER PROVISIONALLY CREDITED OR WITHDRAWN FROM MY ACCOUNT. 
IT LITERALLY DID NOTHING. 
XXXX may not know that what they are reporting or the words they are using is hurting consumers but it is IF IM NOT LATE DO NOT ADD NOTHING TO MY CREDIT FILE. 
You should be reporting my ON TIME PAYMENTS and THATS IT DONT ADD ANYTHING ELSE OK. 
ABSOLUTELY NO OTHER MITIGATING FACTORS CAUSED MY SCORE TO DECREASE LIKE THAT EXCEPT THAT REMARK THAT WAS ADDED AND AGAIN MAYBE XXXX CREDIT BUREAU DEPT DOESNT REALIZE THE UNECESSARY REMARKS THEYRE ADDING TO CONSUMERS FILES IS DECREASING THEIR SCORES SO NOW THEY KNOW AND THEY NEED TO STOP OR I WILL FILE A LAWSUIT AGAINST XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
After reviewing my credit report the following credit bureaus are violating my consumer rights. Please delete all accounts reporting negative data to my consumer file and consumer report, credit report in the next 4 days. 

15 USC 1681 ( a ) ( 4 ) rights to privacy 15 USC 1681 ( b ) ( e ) false information 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission 15 usc 1681b ( a ) ( 2 ) need written permission 15 USC 1692 ( f ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 USC 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 
( d ) Clarification of willful noncompliance.

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 2023-05-15
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Because XXXX XXXX, sent new debit cards to a different address. in a different state to the thieves were able to defraud my banks and empty my banks accounts and cause mortgage payments to bounce. 

The late payment has effected my credit caused me the a late payment charge of {$150.00} and XXXX fee of {$35.00} I need XXXX XXXX to repair the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
My account has been passed to for several months. I have tried effortlessly to submit an application to Nelnet from once now they have my application on file and my tax forms for over a month and they have not started the application. I have tried to call them several times And I can never get a hold of anybody today on XX/XX/2023. I attempted to call again I sat on hold for over two hours and nobody ever pick up the phone. The guarantor has called me and told me if I do not get my account Current, they are going to record the account and place it into default, I told them my issues with the service are no net net and asked if they could please contact the service her buyers to start the application. They said they have no way to contact the servicer and that I needed to continue to keep calling them are stressed that I have been calling them and they do not pick up the phone. This is a complete failure by the guarantor and the servicer, and I am the victim because my credit reports have taken a massive hit due to the complete failure to respond to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX received notice of a debt. On XX/XX/XXXX sent demand for validation and proof of claim. On XX/XX/XXXX they sent the same notice. The debt was not validated. on XX/XX/XXXX and XX/XX/XXXX, they continued to send notice to collect the debt without validation. On XX/XX/XXXX, I sent second demand of validation and proof of claim. Both times they were given 30 days. On XX/XX/XXXX they sent the same notice. On XX/XX/XXXX I sent a Notice of Fault and Opportunity to Cure. The sent the same notice on XX/XX/XXXX. On XX/XX/XXXX I sent an Affidavit of Notice of Default. On XX/XX/XXXX they sent the same notice that included statements from XXXX XXXX. The law states they can not use statements to validate a debt. They NEVER validated the debt. However, on XX/XX/XXXX, they furnished my credit report with a collection without my permission. I also provided them with evidence that I and the Secured Party Creditor and they totally ignore it. I also own the copyrights to the name and they continue to use it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: TX
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 following accounts have violated my rights : XXXX XXXX XXXX Opened XXXX {$4300.00} 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 explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation