BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been sending countless letters appealing to Experian to verify the disputed items and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit from or receive goods or services from the alleged accounts. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-19
Company: Affirm Holdings, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding complaint number XXXX This issue is still not resolved. I got a email from Affirm. It says : Your loan has been charged off XXXX, Your loan XXXX has been charged off because you've had an overdue payment of {$390.00} for 120 or more days. 
We will no longer contact you and your loan may be referred to a third-party collection agency. 
You are still responsible for your overdue balance, which can be more than your overdue payment. Sign in to your account to see more details. 
If you've already made a payment, please ignore this message. Thanks for using Affirm! 
If you have any questions, you may call us at ( XXXX ) XXXX. 



Loan ID : XXXX If you need help, visit our Help Center. 
You are receiving this email because you conducted a transaction with Affirm. Visit us at affirm.com to view our Terms of Service or our Privacy Policy. 



I do not owe this debt at all. On XX/XX/2023 I returned the equipment back to XXXX and XXXX XXXX siad that they got the equipment back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/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 .... Balance : {$620.00} ; XXXX XXXX XXXX ... . Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  DELAWARE XXXX .... Balance : XXXX ; XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXX .... Balance : {$18.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX. Balance : {$2000.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXX XXXX XXXX XXXX. Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} 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 XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XX/XX/2022, I was in the XXXX of XXXX, XXXX doing some shopping. I withdrew XXXX Euros from an ATM machine. Realizing I needed more money to leave tips for the housekeeper, etc. at the villa we rented ( we were departing the morning of XX/XX/XXXX ), I attempted to withdraw more funds from the same machine. I performed the action and attempted to withdraw another XXXX Euros, but the machine wouldnt expel the cash and the alert on the screen of the machine stated that I had reached my limit of withdrawing funds. Later that evening while my family and I were at dinner, I attempted to withdraw funds ( XXXX Euros ) from another machine in XXXX. That machine also would not disperse the cash and another message was on the display screen stating that I had reached my maximum daily withdrawal. I was under the impression that the reason I couldnt withdraw the funds at the machine earlier in the day was because that particular ATM had a limit and I passed it. I didnt realize that my bank account was limited to a daily maximum for withdraw. 

When I returned to the US, I checked my account balance and noticed that my account had been debited for the two attempts I made in XXXX. I called Customer Service and made my complaint. The complaint was denied. I called again to dispute the decision, and my account showed a provisional credit. I assumed the matter had been settled. Upon checking my balance again, I saw that one of the provisional credits had been reversed. 

I would like to reiterate that I did in fact ATTEMPT to withdraw those funds while I was in XXXX. However, the machines DID NOT DISPERSE THE CASH. I am not and never was in possession of the {$790.00} that was debited from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in response to complaint XXXX. You are reporting the late payment for the wrong month, and this should be removed immediately. Your incorrect reporting has caused extreme hardship. You stated that there was a carrying balance from XXXX, and that everything was paid in XXXX so why is there a late payment reporting in XXXX instead of XXXX? It is recommended that data furnishers follow the XXXX guidance when they furnish consumer credit information to the three credit bureaus, and it is very clear that Bank of America has failed to do so. I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. If you fail to remove this inaccurate information, I will take legal action to protect my credit rating and myself. I will fully exercise my right under the Fair Credit Reporting Act. I look forward to an uneventful resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items 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 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 2022-11-08
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
XXXX, XXXX, Experian have violated my credit reporting allegedly failing to address my disputes during the pandemic. 

Information was reported Incorrectly from my Mortgage Company ( XXXXXXXX XXXX XXXX XXXX ). 

Pls see attached documents & articles.

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 2023-04-24
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:
THIS ACCOUNT IS REPORTING FALSLY AND INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
XXXX XXXX Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA IF YOU FAIL TO PROVIDE THIS DOCUMENTATION ( ORIGINAL CONSUMER CONTRACT AND APPLICATION ) AND INSTEAD PROVIDE 'STATEMENTS ' OR OTHER COPIES OF UNREQUESTED DOCUMENTATION. YOU AGREE THAT YOU DO NOT HAVE THE RIGHT TO COLLECT THIS ALLEGED DEBT. IN WHICH CASE YOU ALSO AGREE TO DELETE THIS ACCOUNT FROM ALL MY CONSUMER REPORTS. 

Under federal law, you have thirty ( 30 ) days to complete your investigation for the aforementioned documentation OR delete these items before that time OR I WILL FILE FOR LITIGATION in FEDERAL COURT. 

This alleged debt has caused considerable damage to my reputation and I will exercise all rights under the law for remedy if you do not make these corrections immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Nelnet, Inc.
State: DC
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 have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all 18 active federal student loan accounts noted at department of education/ nelnet off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. 

XXXX have reported 18 active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of Education/ Nelnet . I do not have business or contracts with Nelnet. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match

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 2022-11-24
Company: NAVY FEDERAL CREDIT UNION
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:
My identity was used to open a fraudulent account with a credit union named Navy Federal Credit Union in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them and requested they remove it from my credit report. XXXX, XXXX credit agencies still show this misinformation on my file. This is my second complaint with this credit union to resolve this issue.. I need to resolve this issue immediately because its affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX XXXX  I was selling a treadmill that I longer needed because I was moving, on XXXX XXXX. I then get a message from someone saying they wanted to buy it and that they are very interested because they are moving to the state that I was in so that it would be better for that person to buy it here. This buyer then tells me she can send me a cashiers check for the item, I agree because I didnt think anything of the person buying, at the time this person gave me their phone number and agreed to meet up with me the weekend of them picking up the item. I received check, everything was fine until it came to depositing, turns out check was fraud. The bank that I banked with at that time closed my account completely did not try to help me at all, I can not bank with no financial center, I cant open a debit or credit card account, this is very upsetting to me Im not sure what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants Credit Guide Co amount says {$1800.00} XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX and hard inquires which i didnt do and are not linked to any open accounts they refuse to help me with removal and a few accounts that are inacurate that i disputed and were found to be false tbey closed them and they are still on my acc and i need them deleted they are possible finance for {$280.00} XXXX  {$200.00} XXXX {$63.00} and theres about 12 hard inquires which i didnt do other then the XXXX XXXX XXXX. i ecen had sent them all certified letters stating This letter is regarding this account listed above which you claim is a collection that i have with your company. This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the fair debt collection practices act. Please note that i am requesting " validation '' that is competent evidence bearing my signature and proof showing that i have ( or ever have ) some contractual obligation to pay you. 


Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company you represent, for a debt that i dont owe, is a violation of the fair debt collection practices act FDPCA 807 ( 15 USC 1962e ) : therefor, you can not validate the debt, you must request that all credit reporting agencies delete the entry. 


Pending the outcome of my investigation of any evidence that you submit, you are instructed to take action that could be detrimental to any of my credit reports. 


Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Deframation 2 ) Neglegent Enablement of identity fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collction Pactices Act. 


You will be required to appear in a court venue local to me, since you are clearly dojng buisness in my area. 


For the purposes of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 


Please Note : This notice is a attempt to correct your records, and any information received from you whilw collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, electio, or waiver of status

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : BXXXX XXXX XXXXXXXX Filed on XX/XX/2019 Reference number XXXX XXXX, XXXX XXXX XXXXXXXX Filed on XXXX XXXX, 2019 Reference number : 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 2021-09-18
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:
XX/XX/2021 TRANSUNION received written instructions from me pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of consumer reports ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I gave TRANSUNION 30 days to remove every account, all inquiries, and to send me an updated copy once completed. TRANSUNION did not do follow my instructions. Thats a violation. Nothing changed and I hadnt received anything yet. XX/XX/2021 I sent TRANSUNION another letter pursuant to 15 USC 1681b ( a ) ( 2 ) giving the exact same written instructions like Ive stated in the first letter. A letter dated, XX/XX/2021 from TRANSUNION stated, We understand that recently something on your credit report did not seem right to you. We take this matter seriously, and we want to make sure your Transunion credit report is accurate. Its our commitment to you. In the pages that follow you will see a full copy of your credit report. So, I went through my consumer report, again. XX/XX/2021 I sent TRANSUNION a third letter stating the same written instructions as well as IDENTITY THEFT REPORTS! XX/XX/2021 TRANSUNION sent me a letter claiming they could not process my requests. Now, I would like to know at what point did I give consent for TRANSUNION to furnish anything let along the audacity to disregard THREE written instruction letters? Thats a violation pursuant to 15 USC 1681o civil liability for negligent noncompliance. Not to mention, the use of obscene and profane language claiming I owe any alleged debts, when in fact, I used my credit card pursuant to 15 USC 1602 ( l ). Pursuant to 15 USC 1681a ( d ) Consumer Report. ( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. My credit card was used to initiate a credit transaction. Everything that aroused from my credit card, should NOT be on my consumer report. I want the following credit transactions removed as soon as possible. Also, deletion is admission. I am seeking monetary relief as well for the damages caused by TRANSUNION.

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