BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: Experian Information Solutions 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:
In according with the fair credit act. The account below has violated my federally protected consumer rights to privacy and confidentially under U.S.C. 1681 : XXXX XXXX account # XXXX. Also Has violated my rights to privacy 15 U.S.C. 1681 section 602 A. U.S.C. 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written consent. 


Also wrong personal information ( address ) is on my report due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: CBC Companies, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have requested an incorrect address be removed as the address is not mine and have requested the company remove said address 's. XXXX XXXX XXXX, MO XXXX # XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX are not my addresses and as I have stated are not found on my credit report and these companies are reporting inaccurate information that I have requested several times be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a certified letter to transunion on XX/XX/2022 and I haven't gotten a response back yet that they have received it according to the law they are supposed to send me something in mail within 5 days after they receive it and they haven't and this is a violation

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 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive reached to each companies letting them know each account Im credit reports are fraud with a police report and also ftc and they wont remove it. 
XXXX XXXX credit card Account number : XXXX Amount : XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Amount : XXXX XXXX police department : Approved by XXXX XXXX Report number-XXXX  Each account has been investigated by the XXXX police department and declared as fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a police report and a complaint with the FTC im uploading the supporting documents to prove it. I disputed the identity theft thats in my credit report. And the credit bureaus are still illegally reporting the fraudulent information on my credit. I told them multiple times that ill filed a police report etc. The companies in this complaint still refuse to remove the fraud off my credit and they continue to illegally report the information.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 had old accounts in which I didnt have access to those cards, they are long gone. So I couldnt substantiate responsibility for those accounts. Well this company closed my new account, had me certify responsibility, submit Drivers License ( picture ID ) and this has been going on for months with no corrections to my consumer 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 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Sezzle Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So I purchased items on walmart.com using a third-party credit card also known as a buy here pay later card with a company called Sezzle. ultimately I did not end up picking up these items from XXXX because there was an issue at the store where there were no employees available to provide me with my items so I contacted XXXX and they issued me a full refund. When they issued the refund it went back to the Sezzle card that was originally used and Sezzle has been now contacted multiple times by me and XXXX also stated that they will email Sezzle as well confirming the refund was completed back in XXXX. Sezzle not only does not pick up their phone during normal business hours but after I have actually spoken to them via phone and through email, they still continue to not remove the transaction from the account and they also are attending to charge numerous accounts of mine such as credit cards, debit cards, @ bank accounts for a transaction where I never received items and they were already refunded. I contacted Sezzle numerous times via phone and email but there is absolutely no resolution and this company still continues to charge my account when I never purchased anything in the end. They are now knowingly being deceptive and fraudulent in my opinion. I ask them to not charge any of my credit cards, debit cards, or bank accounts again. There is no option on their app to remove my previous used payment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$180.00}.

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 2023-05-23
Company: Deinde Online Services, LLC
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:
Im following up on a complaint against Integra Credit and XXXX XXXX XXXX  for practices that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to my agreement with Integra Credit, all disputes related to my account were to be resolved through arbitration. However, without my consent or any arbitration proceedings, Integra Credit sold my loan to a collection agency, XXXX XXXX XXXX. In their response they admitted they don't own the debt that it was owned by a collection agency. I believe this act constitutes a breach of contract and violates my rights as a consumer. 

When I became aware of this issue, I contacted Integra Credit and expressed my willingness to repay the debt directly to them. Despite my willingness to settle the debt, Integra Credit refused to recall the debt that I believe was sold illegally. 

Furthermore, in the course of this transaction, Integra Credit disclosed my personal information to XXXX XXXX XXXX without my consent. I believe this is a violation of FCRA Section 604 ( a ) ( 3 ) ( F ), which restricts the dissemination of consumer information without a legitimate business need. 

Following the acquisition of my loan, XXXX XXXX XXXX has engaged in harassment in an attempt to collect the alleged debt. They have called me multiple times during work hours and even contacted my workplace directly. They have also threatened to report the debt to credit reporting agencies if I didn't pay them. In order to avoid further harassment and potential harm to my credit report, I felt forced to pay XXXX XXXX XXXX. 

I believe these actions constitute violations of FDCPA Section 806 ( 5 ), which prohibits causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer in connection with the collection of any debt at the consumer 's place of employment ; and FDCPA Section 807 ( 5 ), which prohibits the threat to take any action that can not legally be taken or that is not intended to be taken. 

In light of these concerns, I request that the CFPB investigate these issues and take appropriate action to protect my rights as a consumer. I also ask that Integra Credit remove this account from my credit report immediately, as I believe it was wrongly sold and reported to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX  XXXX XXXX Date Opened:XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold an item in person and utilized PayPal as a payment method in the amount of {$2300.00} for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. There was no issue with the product and the buyer and I had amicable contact post-purchase. However, On XX/XX/2020, the buyer reported our transaction as being unauthorized, over a month after purchasing the item from me. PayPal sided with the buyer despite evidence of an agreement and transaction. At no time did PayPal contact me to hear my side of the story. I currently have a negative balance of {$2300.00} in my PayPal account and also do not have the product that I sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: KY
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 items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2022 I received documentation from CAVALRY SPV I , LLC claiming that I owed them an alleged debt. First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. Cavalry SPV and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. Cavalry SPV not only failed to provide documentation of an agreement bearing my signature I have with them stating I owe them an alleged " debt '' but they also furnished a deceptive form ( 15 USC 1692j ) to trick me into believing I owe them anything! The abuse and harassment I have received from the criminals at Cavalry SPV will not be tolerated especially when their claims can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2022-12-19
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:
I have been having problems with Equifax for some reason. They will not update my report. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stunning payment record with this company. I think it is ridiculous that I have to file multiple complaint to get them to update my report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have my account updated ASAP : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Nelnet, Inc.
State: TN
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:
My specific complaint here is that Nelnet did not make a reasonable investigation into my recent two complaints, and their response includes facially false information. 

NelNet 's letter dated XX/XX/XXXX confirms a servicing error when it states : " There were no payments made to your account from XX/XX/XXXX, until XX/XX/XXXX. '' This extra payment was an error that XXXX XXXX caused. In response to a CFPB complaint XXXX XXXX told me it could not fix the error because Nelnet was the servicer effective XX/XX/XXXX. In response to a CFPB complaint, NelNet states : " we are unable to adjust or reallocate payments that were made to another servicer. '' Applicable federal law and regulations, and Tennessee law, require NelNet to accurately service my student loan debt ( including credit reporting and monthly statements ). NelNet is authorized by the DOE to service my student loan. The servicing agreement gives them the authority to fix this error -- even if it was caused by another servicer. The Department of Education is ultimately responsible. It acts through its servicers. The DoE can fix this, but it does so through NelNet. 

NelNet should correct XXXX XXXX 's error when it withdrew and additional payment and did not apply it to principal ( as I instructed upon discovering the error ). 

Additionally, on XX/XX/XXXX XXXX XXXX charged capitalized interest of {$1000.00} on one loan and {$1400.00} on the other loan. There should not have been capitalized interest as I had been making regular monthly payments and was not in forbearance. 

In response to my complaints, Nelnet only provides boilerplate answers. It does not address these specific issues. This is my last effort to resolve this before proceeding with a civil action. I shouldn't have to go through all of this just to ensure my loan is accurately serviced so I can pay it off.

Company response to consumer: Closed with explanation