BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: LA
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:
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.

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 inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this credit card was paid in full reporting incorrect balance and lattes please remove this from my credit file with all credit bureaus.

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 2019-04-27
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX or XXXX, XXXX I left an apartment complex. I filed out paperwork in the leasing office, and both my ex and I signed and paid to have me released from the lease. We gota divorce and our debts were then declared our own. In summer, I believe XXXX, of XXXX I noticed a new debt on my credit report from the apartment. It was for {$880.00}. I called the apartment and explained to them the problem, and the apartment number they had the debt for I never even lived in. Yhey claimed to have switched mangement and were no longer able to find my paperwork getting me off the lease, but called the debtors to correct the apartment number. I offered to show proof that I had left the apartment in XXXX of XXXX after only signing a lease in XXXX of XXXX. I was told both times I called that they would fix it. They have not. I called the creditor in XXXX as well, they refused to even hear me, they refused to accept my proof that I had left. And when I told them my divorce states that my exes debts are theirs, they refused to take me off the debts. Holding me responsible for debts that don't belong to me. I have since had the report removed from my XXXX XXXX account and just from that my score is 100 pts higher than it is on XXXX  because of this false debt. The complex are frauds, and so are the debt collectors. The collectors call me now three times a day from two different phone numbers to collect a debt that never belonged to me in the first place. They said they would email me with a response to my claim that the debt doesn't belong to me, that was before the new year. I haven't heard anything back, but I keep getting phone calls and my credit remains stagnant with their false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reach out to Midland credit management about a report they put on my credit report ask them to send me a copy of the debt owed they said they dont have it I ask them to remove it from all three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TRANSUNION is in violation of the FCRA. As a consumer I shall be able to obtain my free consumer report ONLINE from XXXX with no adverse action! This is very inconvenient since I need to view my TRANSUNION report immediately like my other consumer reports ONLINE ( XXXX XXXX XXXX ) to investigate a certain matter on my consumer report. 

Receiving my TRANSUNION Report through mail is a slow inconvenient process. And I need this matter handled ASAP!! 

This issue is causing XXXX XXXX & XXXX XXXX to me since Im trying to apply for a credit card for my personal matters.

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 2023-08-02
Company: EQUIFAX, INC.
State: OH
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'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX. For purposes of identification, my date of birth is XX/XX/XXXX and my social security number is XXXX. 

I write to request the assistance of Kolhs Executive Office in connection with a dispute that has been pending with Kohls/Capital One for several months now. 

The account in question was opened in XX/XX/XXXX and bears the account number XXXX. The negative remark on my credit report ( furnished by Kohls ) is inaccurate because I did not apply for or benefit from the goods and services provided by Kohls/Capital One.

I disputed this account with the credit reporting agencies on several occasions. Each time I was advised by the credit reporting agencies that the account had come back as verified.

I contacted Kohls charge related telephone line on two separate occasions. I ask the representative what factual basis Kohls had to assert that this account belonged to me. The explanation I received was baffling. Kohls stated that there was a payment made in XX/XX/XXXX to settle this account. On that basis, Kohls insists, this account belongs to me. I asked to advise as to whom the payment made and who actually made the payment. Kohls stated that it did not receive the payment, but rather, the payment was received by its collections agency XXXX XXXX. 

I then called XXXX Solutions ( Kohls collection agency ). The XXXX Representative stated that it had indeed received a payment in XX/XX/XXXX. XXXX Solutions could not verify who made the payment or how the payment was made. 

Today, I called Kohls again. I explained to the Kohls representative that, again, this account did not belong to me. I further explained that XXXX Solutions could not verify who made the payment. It certainly could not substantiate that I was the one who made the alleged payment. ( I did not make the payment. I never applied for this account ). The total limit of the card appears to be a paltry {$300.00}. If XXXX Solutions is accurate, Kohls has recovered {$350.00}.

The presence of the negative remark on my credit report is inaccurate. I am appealing to your sense of decency and requesting that the Office of the President immediately direct that this negative remark be removed from my XXXX  and XXXX  reports. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased a product from XXXX and never received it. I have tried countless times to contact XXXX, when that failed I reached out to my bank. They too gave me the run around, making all kinds of excuses for why they havent put my money back in my account. 

Please note my package was out for delivery for three to four days. This here should have told my bank something was wrong. Also the package was sent back to them on XX/XX/XXXX, yet my bank acts like they cant figure it out. Your help Is deeply appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Public record information inaccurate

Complaint:
To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from TransUnion claiming that my data has been verified in violation of my rights.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
My XXXX loan servicer changed, and the resulting transfer ( which was outside of my control ) resulted in a negative adjustment of XXXX for one credit bureau and XXXX for another. My credit should not be penalized for a decision that was made outside of my control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a device from XXXX XXXX but later asked for a refund. XXXX never shipped the item and therefore, was never received. I waited over 10 business days for a refund after receiving confirmation that the refund had been sent. Nothing has appeared on my account. 
I contacted Chase, which the refund should have went to my Chase account. They told me it was too old to dispute and to contact the merchant. The merchant is unresponsive and I have not received my {$420.00} from a charge on XX/XX/2021. I never received the order or a delivery confirmation. 
I informed chase I will be filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: MN
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:
Please remove XXXX  account away from my credit file and send me a updated credit report showing the deletion please and thank you XXXX-XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX  account could you tell me as to why youre reporting a balance on my credit report I dont owe your company anything. Please update the account to XXXX  balance or remove from my credit report please and thank you very much! 

View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response I show we have sent a deletion request to Equifax credit bureau to have any and all collection reports deleted from Mr. XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: OK
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:
Bankruptcy XXXX Case number XXXX XXXX RE : Results of Reinvestigation I recently contacted XXXX @ XXXX  XXXX  XXXX XXXX ) regarding information associated to to my file. In accordance the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 es seq. ), XXXX filed my dispute regarding the following data with the listed entity. 

Dispute date : XX/XX/2023 Dispute Filed with : Equifax As of the date of this letter, the Disputed information was removed from my file at XXXX. Please note when information is removed from my consumer reports provided by XXXX as a result of a dispute or request, that change is only applicable to the reports generated by XXXX. XXXX have Disputed this information on XX/XX/2023 on my behalf with the Credit Bureau listed below, but have not received a response from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Nelnet, Inc.
State: MI
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:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy.

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties. 

Per the XXXX XXXX XXXX of 1974 educational institutions are not allowed to share our information. My student loan information is private. 

I have been denied credit and been humiliated for years due to my nonpublic financial information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Nelnet, Inc.
State: IL
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:
Companies involved : Great Lakes Borrower Services and Nelnet. 

XX/XX/XXXX - This is related to another complaint against Great Lakes. Their reply was that this matter was out of their hands since it's Nelnet 's debt. 

XX/XX/XXXX - I received a paid in full email from Great Lakes. It was a XXXX XXXX. XXXX ref number : XXXX. XX/XX/XXXX - With the Biden loan forgiveness program, I called Great Lakes to look into getting a refund on the below amounts. Refunded Refund ID Reason for Refund {$5300.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. {$2000.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. The Great Lakes customer service representative stated that they can refund the account that made the payment, and I would be receiving a " balance '' for that amount, but that was just normal protocol, and I would not have to pay that amount back. XX/XX/XXXX - I received an email which stated that my debt was being sold to Nelnet and the email requested that I setup an account so I could service my debt through Nelnet. I ignored the email since Great Lakes told me that the debt amount was essentially a placeholder, and I did not have to pay it back. XX/XX/XXXX - I received a phone call from Nelnet saying I must sign up for a new account in order to service the debt. I asked why I need an account for a placeholder amount that I don't need to pay back. Nelnet replied and said I have an outstanding balance of {$7300.00} that I would need to pay back pending the outcome of the legislation/appeal related to Biden loan forgiveness plan and the supreme court ruling . I called Great Lakes to clarify, and they confirmed the above from Nelnet. I explained that on XX/XX/XXXX, the customer service representative said the amount does not need to be paid back, to which they replied " we're sorry that they incorrectly explained that to you. '' I would like to have that debt alleviated, if I had known this was the case, I would have just left the debt paid in full and not pursue any type of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: ACIMA CREDIT, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got copies of my credit report and found a fraudulent account by Acima Digital FKA Simple. I have tried sending a debt validation letter to this company to verify this debt and was sent a letter stating my dispute was frivolous or irrelevant. I have never agreed to have any type of account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Prince Parker & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was reviewing my personal credit history from the app XXXX XXXX and then I found out there is an overdue amount from a collection agency. I called and collection agency told me it was XXXX XXXX XXXX account. They provided me the account number XXXX and the history, so that's why I reported fraud to XXXX XXXX XXXX. Someone used my identity to open the account and I did not know until I was checking my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: VA
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:
This is my 2nd 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 an alleged fraud or extortionXXXX 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 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation