BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: LEXISNEXIS
State: LA
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 ordinance with the fair Credit Reporting act, everything has to be 100 % accurate on my credit report. 
This company and 3rd party bureau iolated my rights. 
15USC 1681 section 208a states I have the right to privacy.

16 USC 1681 section 604 a section 2 states it also states a consumer reporting agency can not furnish my account or account info without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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:
Theres an apartment community showing as a collection on my credit report with Equifax by the name of XXXX XXXX and creditor by the name of XXXX XXXX which isnt mine..Ive disputed this and its still showing on my credit report ... also theres an apartment by the name of XXXX XXXX and XXXX XXXX on my XXXX  report which I have disputed ... I have never lived at any of these apartments ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: GA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Midland Credit decided to mail one of my notices to my future mother-in laws home? I do not understand why they would do this! It was addressed to me, and all she had to do is google the address to see where it is from. I HAVE NEVER LIVED IN THIS ADDRESS!!!!!! I am embarrassed and annoyed with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2022-12-14
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX and American Express hae fraudulently reported my death causing tremendous strain to my life.This has caused great emotional distress and Financial damages. XXXX has neglected its lawful, legal duties while violating several of my rights. 

I have asked for copies of my report for a full year now and they have only sent letters saying they are in receipt of my request. It has now been a full year of this every month refusing their lawful duty. The letter will be in the attachments. This consistent action neglects their lawful, legal obligation under 15 U.S.C. 1681y section 623 and my rights under 15 U.S.C 1681g I have disputed this fraudulent claim for a full year and it continues to show in my report. With me reaching out and making it known that I am alive ; they have continued in their negligence of federal law 15 U.S.C 1681e. They have not only failed their lawful duty to accuracy but also violated my right under 15 U.S.C 1681b ( a ) 2. Not only have I not consented to this reporting, I have made it known that this is against federal law and XXXX continues to willfully violate my rights and neglect its legal duties. 

These violations caused me 1 year of interest rate hikes on my home. not to be eligible for my mortgage trouble getting a vehicle. Loss of jobs. And inability to continue life for a full year. This has totaled {$360000.00} in damages pain and angiush to me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX recently checked my consumer report and noticed there are fraudulent accounts reporting to my credit profile. I reached out to EQUIFAX and to no avail I did not receive a solution. I filed an Identity Theft report, please see uploaded document. I am aware pursuant to 15 USC 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency such as EQUIFAX with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with account XXXX XXXX XXXX XXXX XXXX, AND XXXX is not relating to any transaction by myself, EQUIFAX IS REQUIRED TO PLACE A BLOCK ON MY CONSUMER REPORT ON THE INFORMATION ASSOCIATED WITH XXXX XXXX, XXXX XXXX, AND XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained PLEASE SEND ME A STATEMENT SIGNED UNDER THE PENALTY OF PERJURY WITH EVIDENCE OF THIS COUNTERCLAIM. A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I, the consumer have put in a dispute with EQUIFAX and I have made it clear this information has not been verified and can not be accurate. EQUIFAX has violated 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and proceeded to furnish my information without any verification or lawful authority. These accounts must be removed. Upon removing these accounts from my consumer report DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Genesis FS Card Services, Inc.
State: NC
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:
There are three credit card accounts with Genesis FS that show as closed and keep being sent to collections ruining my credit report. I am not aware of where these accounts come from and they are ruining my life. I have reached out to have the accounts deleted but the company has been no help the account are listed as other companies such as The XXXX XXXX XXXX, feb destiny, and cb indigo I have done my investigation and they all link to this company with the same phone number and XXXX XXXX XXXXXXXX XXXX, or XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Responded to an ad for a ticket to XXXX. In XXXX I communicated via email that I would send funds ( very foolish will of course not do again ) and retrieve the wristband/ticket when they were shipped mid/late XX/XX/XXXX. Transaction was made through peer-to-peer service XXXX which works through my bank PNC. 

Contacted PNC, after going through a fraud / dispute was told some time later ( today XX/XX/XXXX ) that there was nothing they could do. 

Received a ticket/wristband from a friend and didn't need to go through with this transaction. 

I let the other party know this, was told I would be refunded when they got a chance to resell the ticket. Then I never heard back from them. 

I never met with the seller as we had originally planned and never received anything from them. 

Funds were sent to a person identified in XXXX as " XXXX XXXX '' with email. Also have email - XXXX or phone number XXXX. 

I have sent several emails and requests for the {$190.00} to be sent back to me, all have been ignored. I have the email and phone number that this person used for me to send them money fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
PayPal email me this ( You can no longer do business with PayPal ( Ref ID - XXXX ) I'm Calling PayPal today to restore my account and I'm begging for a chance and for an opportunity to restore my account but they said that the issue is final, I want my account to be restored in order for my business will continue. I don't make any problems with them I'm not violating their rules and I don't have any disputes in my account., I was shocked that they email me that my account was permanently limited. that is not fair to me, I'm only doing good business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit score don't reflect the items on my report. On transunion or experian low scores and good payment history is not accurate and I want it fix ASAP

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 2023-05-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was conditionally approved for the haf program ( Michigan ) XX/XX/2023 I have been calling Citizens Bank twice a week since then. Citizens Bank has not returned my calls nor have they responded to the haf program with the necessary documents to verify my missed payments. The haf program has reached out to them 6 time since XX/XX/2023 as well and they havent replied. I tried emailing different people Im different departments no one will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft, and I reached out to the company nelnet to let them know my situation, I mailed in my police report, affidavit, and every document that was requested. After following up on things, nelnet informed me the information that I sent in was not good enough, they said they have documents that I signed where I agreed to pay this loan, I stated it was impossible because my identity was stolen so it wasn't me, I asked them to mail or email me the documents so I can see them, they refused. So I have reason to believe that they are forging signatures to make consumers responsible for loans. Please have them provide the original contract that originated this so called loan and any other documents with signatures on it. I have reason to believe that this company is violating the fair credit reporting act and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: DC
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:
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.

has violated my rights. Or list of inquiries 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 2021-03-06
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Loan Depot by phone on XXXX to question interest adjustment based on early payments. 

Only first names are provided by representatives. I spoke with XXXX and was told that someone would call me regarding my concerns. 

I heard nothing back & on XXXX I tried again and after waiting for some time the call was dropped. I was unable to try again as I have to make contact before work. 

On XXXX I called again & again after a wait of over 15 minutes my call was dropped. I did call again and finally reached XXXX ( a? ). I explained the promise of a follow up to my concerns by Loan Depot back on XXXX & that I had not received a call or email. I also told her of the dropped calls issue. She was able to get her supervisor XXXX XXXX to look at my file. She also apologized for the difficulty I had experienced. She told me that her supervisor would look at this immediately. He did. 
I was told that XXXX XXXX reviewed my file & that I had been credited properly. I was not given the opportunity to speak to XXXX XXXX directly. 

I put to together an excel spread sheet so that I could track my concerns with anyone at Loan Depot. I called again on XXXX. I asked for XXXX XXXX but was told that he would not be available for a couple of hours. I spoke with XXXX who told me that she would submit a research request. About a hour later a phone message was left by XXXX XXXX telling me that the additional payments that I had made were applied to principal balance and that I could call back if I had ay other questions. 

I called back 25 minutes later. I was able to speak with XXXX ( not XXXX XXXX ). 
I explained that I need to talk with someone who could review this with me and resolve interest calculation and proper application of funds to principal. He told me that there was no one that does this. I told him that this made no sense and that the only alternative that I was left with was to file a complaint with the Consumer Financial Protection Bureau. He said that he hoped that I wouldn't do that. I asked if there was someone else I could speak with to resolve my concerns and was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX, XXXX, 2022 I received a letter from Nelnet concerning student loan XXXX. I have been in an income driven repayment plan with Nelnet for years. When asked to recertify on this loan, I was declined. Several reasons were given, several are which not true. Nelnet has stated that I defaulted in this loan. This is not true. My payments have consistently been on time. I have always been able to have a payment based on my income. Now they are refusing to provide assistance concerning this particular loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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: 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 clearly 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 explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: Experian Information Solutions 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2020-07-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

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 2023-04-08
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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