BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX, XXXX agreed on removing the inaccurate information on the 3 credit report companies such XXXX, Equifax, and XXXX ( see letter attached ). XXXX and XXXX had removed this account from my credit report already, however, EQUIFAX hasn't done anything to correct this inaccurate information. Please send another universal update to remove this account from my credit report immediately. 

ACCOUNT : XXXX XXXX XXXX {$0.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute and request the immediate removal of an unauthorized and fraudulent collection account that has recently appeared on my credit report. This account was not previously known to me, and I am deeply concerned about its sudden appearance without any valid verification. 
Account Information : XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
I have thoroughly reviewed my credit report and was alarmed to discover the presence of the aforementioned collection account, which I have never authorized or had any dealings with. This unauthorized entry has the potential to severely impact my creditworthiness and financial standing, and I am determined to rectify this situation 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 2023-12-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Unauthorized and unlawful credit utilization and late payments Transactions and experiences are illegal to report ( 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) ).

Prohibition ( A ) Reporting information with actual knowledge of errors 15USC 1681A 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 pf this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-07-04
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-12-04
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I looked at my consumer report and noticed an account that I didn't recognize and was reporting negatively. 

Account name : XXXX XXXX XXXX XXXX XXXX {$8500.00} ) I disagreed with this claim, so I disputed with a dispute letter that I sent certified tracking receipt to keep record of our communication. In My dispute letter I asked validation of the debt, verification of their claim against me in an invoice, disclosure pertaining to my privacy, and several other documents that are required to be presented to consumer upon request and that these documents be reviewed by a lawyer and mail to me. If they fail to be able to provide these documents to please cease use of my information, delete any report, you provided to any CRA 's and payment of my invoice. Nelnet customer solutions send me an email responding to my dispute asking to give them 30 to respond by mail.They have failed to respond in a timely manner so i would like to excerise my civil rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: AL
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 5TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX  XXXX  which involved me making deposits for a total amount of XXXX USD from my First Citizens Bank account to a fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Information belongs to someone else

Complaint:
I requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to ha completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, XXXX INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT XXXX COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and _explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 1116 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these aforementioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, Your Full Name " Attach copy of ID and XXXX bill ( bank statement if you don't have utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a total of {XXXX in new funds to my Marcus savings account from two verified external accounts ( XXXX and XXXX XXXX XXXX ) on XX/XX/23 and XX/XX/23. I then scheduled an outbound transfer to a 3rd verified external account ( XXXX XXXXXXXX XXXX ) in the amount of {$100000.00}. The transfer showed as posted in my online account with Marcus on XX/XX/23. I then received a voicemail from Marcus customer service on XX/XX/23 telling me to call their customer service. I called and after verifying that I had authorized the transaction, I was told that Marcus was cancelling the transaction. I was told the reason for this was there was a 90-day " maturity '' period for new funds ( applicable to the {XXXX} ) to the account that needed to elapse before I would be allowed transfer them externally. I was told this was per my deposit agreement on XXXX XXXX. 

I reviewed my deposit agreement in its entirety and found no such related clause. The only potentially related language appears to be the following vague text : " We may place limits on the amount of funds transferred based on total dollar amount or frequency, and we will disclose such limits to you at the time you schedule your ACH Transfer. '' I wasn't told of any restrictions at the time I scheduled my ACH Transfer, but rather after it posted. I was also told that although I could transfer the new funds back out to the external accounts they came from, I would need to wait several business days for the funds to re-appear in my Marcus account ( and then several more days for each of the transfers out of Marcus back to Ally and XXXX XXXX to go through, followed by several more days to transfer out from XXXX and XXXX XXXX once the transactions post ), causing a great deal of financial hardship for much needed funds. 

I believe Marcus restricted my funds with an arbitrary and unwritten internal policy to keep my money in their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express Delta skymiles gold card fraudulently offered a sign-on bonus never informing me that they rejected me from the sign on bonus. I was not informed. In all correspondence, they failed to mention that. I applied to the credit card with sign on bonus only. I diligently completed all the terms of the agreement to receive the sign-on bonus. I called to find out when I could expect the bonus points. They told me I would not get them. They would not help me at all. I would like to be compensated the bonus offer of skymiles that are owed. If they can not do that, I need them to expunge that this credit card was ever applied for in my name as it was advertised falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been in the process of purchasing a vehicle and because I know how inquires can affect my score, I was very clear on who can pull my credit. I have been a realtor for 11 years and 11 months, so I know the importance of credit. I contacted Experian and they REFUSED to investigate. 
If you are going to take the time out to place these on my report, credit bureaus, you should be obligated to investigate them. I was told there would be NO investigation, but they will remove them in 2 years. That is NOT acceptable to me. 
The ONLY companies I approved to pull my report were XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX. 
There needs to be a law to better control these credit bureaus. These are people lives we are talking about.

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 2023-12-14
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Resurgent Capital Services on XX/XX/2023 regarding a collection notice I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor mailed me a 2-page statement that just shows late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with XXXX, Equifax and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however as of my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the high credit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: NV
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 finished my loan installment with XXXX XXXX XXXX in XXXX of XXXX never had a late payment during this time. It has been brought to my attention that after the account was closed due to me finishing the loan installment plan theyre still reporting to the credit bureau that I have late payments on my report and it is extremely impacting my credit score and me being able to purchase a house. This is inaccurate information being reported to the credit bureau I finished my loan in XXXX with no missed payments and this is very frustrating to see.

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 2023-12-09
Company: Duvera Billing Services, LLC
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 not sure who this company is I never signed any loan and pay agreements with this company. I never even received anything in the mail prior to this account being put on my credit report and a debt or a charge off. DUVERA has violated my rights by not sending proper documentation via mail not giving me an opportunity to dispute debt. I never received written notification of debt via mail. And this is a Fair Credit Report violation. 1006.34 Notice for validation of debts. This company never mailed or sent me anything. I will be contacting an attorney in regards ti this company. Nothing only did this company damage my credit rating this company did not follow the guidelines of the Fair Credit reporting Act. XXXX is at fault as well for allowing this company to report false inaccurate information. I will be filing a complaint with the state of California and the state of Georgia. You will be hearing from my attorney. I am going to sue you for several Fait Credit reporting violations. Each violation is worth {$1500.00} and you committed at least three ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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  ; If the creditbureaus feel there is a possibility these items belong to me I will require all documentation that bearsmy signature ( another research item I found that requires you to verify with 100 % accuracy that eachitem is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nordoes my attorney. SO please comply with the law so this matter can be handled swiftly..

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
They are in violation of my rights I want this account deleted I have court documents proving this was dismissed in court of law it should have never been reported they did this without my consent witch is fraudulent on they behalf 1000 a violation it came off my other 2 reports but some how comes back again thats not accurate information on my credit so I want it deleted

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 2023-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/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