BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Resurgent Capital Services L.P.
State: PA
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:
XXXX XXXX and Resurgent are sending me emails to collect a debt from a card which is fraudulent. They are sending me a bill and inside the end Ill a person named XXXX attached a smiley face emoji to it which alerted me that this was most likely a scam. However, this is effecting my credit because there is a negative mark on my credit showing this is an outstanding collection. I also believe that once I paid out my XXXXXXXX XXXX  debt recently someone took my information and used it to XXXX this fake bill. XXXX was bought by Resurgent and I believe that they are giving out information or unsecured. Please contact me to get this matter settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: SC
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 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. 

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 ACCOUNTS ) XXXX - State Employees XXXX XXXX XXXX XXXX XXXXXXXX Equifax, XXXX & XXXX has violated my rights.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX dismissed in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX XXXX dismissed. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2021-03-15
Company: Paramount Recovery Systems, L.P.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Nelnet, Inc.
State: AL
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:
Nelnet currently has my student loans since acquiring them from Great Lakes. I filled out an IDR application in XXXX XXXX. The payment amount has fluctuated multiple times & I can't get a consistent answer as to why. So I filled it out again. Furthermore, when trying to contact them by phone, the last time I waited over XXXX hours. The rep stated that they did get my application in XXXX, but they received the one I recently sent & they're reviewing that. No idea what happened to the first one, she just said it was received & theyre taking a longer time processing applications. Now my account says IDR proc admin, interest still accruing & no payment estimate. It should not be this hard, unorganized & such a hassle, simply for getting an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: National Credit Systems,Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cash app support says a payment I made wasn't deducted from my balance though I have a receipt from the merchant showing paid. Support refuses to help me, sent me to email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account was hacked while I was at work I received an email about the incident and immediately called in to dispute the transaction. I was told they would investigate the incident, no investigation was conducted they immediately denied my claim and said it was no error, I called to speak with a supervisor by the name of XXXX and she instructed me to send in a timecard and my funds should be released back to me, I did send in that timecard which shows my hours of work and still my claim was denied. All I need is a proper investigation to be done so I can receive my funds back to me which I have worked hard for. I also had my card in my possession at the time of the incident, and the representative said she never heard of something happening like this before so their minds was already made up that I did this to myself so they wouldn't have to return my funds to me.

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 2023-10-22
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:
According to XXXX All Transactions which includes late payments and all experiences which includes utilization needs to be removed from all credit reporting agencies. This includes late payments because thats a transaction. And experiences include amount of usage I have used. Such as % of credit used. 
Also I demand to Remove any 3rd party debt collections. They obtained my information unlawfully. Also, I demand any older reporting to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: The Bureaus, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About one year ago, The Bureaus placed a collection on my credit report. This was originally a XXXX XXXX card, that was a XXXX store card. My father in law, XXXX XXXX opened the account soley, and only listed me as an authorized user. I did not sign for the card. 

My father in law passed away on XX/XX/XXXX. I was not notified of the balance on the account until this was placed on my account. I disputed this with XXXX, and XXXX XXXX and the company responded that the debt was valid. 

I called the number on my credit report associated with this debt. I did not reach the Bureaus, but reached XXXX XXXX. They stated they are a third party communicator for the Bureaus. I have 21 documented phone calls to this company requesting proof of signature to show I did not use this account. They stated on several occasions that they had requested this information from the Bureaus but it was never sent back. I then requested the original signature card to prove I didn't open the account or sign for anything. This has been requested twice, the last time being XX/XX/XXXX. I still have not received this, and XXXX XXXX is so frustrated with me calling that they gave me the number to the Bureaus. In the past, when you call the Bureaus, the phone loops you right back to XXXX XXXX. 

I have called the Bureaus 8 times in the last two weeks to obtain the signature card that was requested and never supplied, which violates the FCRA. They hung up on my twice, transferred me to XXXX XXXX twice, and never returned my calls. 

This invalid debt has stopped my refinance on my home. I have tried to resolve this several times under the law to no avail. I have requested proof of debt, and have requested the original paperwork when the account was opened even from XXXX XXXX. They stated they no longer have the documentation as the account was sold over 4 years ago. 

I have just disputed this with XXXX  again, in hopes to get this corrected. I have followed all the rules, and have asked for documentation under the law. I have requested transcripts of recorded calls from XXXX XXXX, and have been told that I they can not release those. 

I am desperate to have this resolved. I supplied my father in laws death certificate to both collection agencies, and XXXX XXXX acknowledged that my name NEVER appeared on any statements, but refuses to send me a transcript of that phone conversation. They also refuse to send me transcripts for the calls in which I requested information that was NOT supplied within the 30 day period under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: PA
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:
In XX/XX/2022 filed disputes for accounts paid in settlement that are still showing up without an updated status. I was advised by experian that comments were added. After checking again on XXXX XXXX 2022. The accounts still show wrong info about accounts. and they will not let me dispute info. Also a wrong adress is listed that I'm not even given an option to remove it

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 2021-01-21
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently noticed a false report to my credit file. After requesting my credit file, I noticed a negative inaccurate report on my credit file. The report states that I owe {$5800.00} to I.Q Data international Inc. located in XXXX Washington. On XX/XX/XXXX I sent a Debit Validation Letter to I.Q Data International Inc. and two other companies on my credit file. The other two companies have since then responded with a decision. As of XX/XX/XXXX, I.Q Data International Inc has not responded to my request. Furthermore, the amount of debt reported has since then increased from {$5800.00} to {$5900.00}. 

Enclosed are copies of receipt indicating the date I sent the letter demanding validation of debt and proof that the company received my request. 

Meanwhile the report is currently affecting my credit report. By the way this is the only negative report on my credit file.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have submitted several disputes regarding erroneous information on my account which keeps getting ignored. Im beginning to suffer mental anguish and heightened stress from having to continually submit disputes to have incorrect information deleted and or updated to accurately reflect my credit score. This is affecting my ability to purchase my first home because the scores are not being updated with accurate information across all 3 bureaus.

For starters late payments are being reported when it is illegal to do so. Based on my interpretation of 15 USC 1681A, section 2 titled exclusions : transaction history is not included in consumer reports. Isnt payment history considered a TRANSACTION? Please clarify the bureaus interpretation of what late payment history is considered. The following accounts are being reported as late and I am demanding that the late payment history is updated. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is showing as a collection account when it was not in fact a collection. I am requesting deletion after requesting validation that has not been done. 

XXXX is a fraudulent account that continues to report and I have request deletion several times. 

XXXX XXXX has several errors in reporting. It shows as a closed account with a past due balance. How is that even possible when you guys claim to have accurately validated this account? In addition this amount keeps increasing and the status being updated as if this account is still open and active therefore SERIOUSLY affecting my credit rating and causing me great financial and emotional harm. At this point its unbearable and something has to be done. 

Credit card usage is not being updated to reflect the correct utilization. XXXX XXXX XXXXXXXX and XXXX balances are incorrect and have been. Based on the creditors reporting date these are past due for an update that reflects ACCURATE utilization. Because it hasnt been updated and is greatly affecting my scores I cant qualify for a home loan which violates my rights. 

In addition XXXXXXXX XXXX is reporting twice for the same exact account. Thats false and fraudulent. 

Lastly the personal statement showing on my credit was not AUTHORIZED. I do not want to be classified as a fraud victim because it negatively affects me when creditors pull my report. Its essentially a scarlet letter and is discriminatory. I do not want any personal statements reflected on my credit report for this reason. 

Please also update the following information to reflect accurately : Employer XXXXXXXX is not accurate I am not also known as XXXX, XXXX, XXXX. This is a catch all and my name has never been that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have struggled for several weeks to get a freeze removed from my Experian account which was placed after the mega security breach back in XX/XX/XXXX and I still dont know if its been removed. I have successfully removed freezes placed on XXXX  and XXXX  and now able to place a freeze on my XXXX  and XXXX accounts conveniently and free or charge however, Experian makes this task extremely difficult and the ultimate outcome is for me to subscribe to a credit monitoring service which I am not interested in obtaining. The same information I enter on the Experian site requesting a freeze is the same I entered to get my annual free credit report from Experian and that request was successful. I have tried numerous times to contact them via phone but Im only presented with a maze of phone options ultimately ending with the response to mail pertinent information to a location in XXXX Texas. 
The following are steps Ive taken to place a freeze on my account. 
Access the Security Freeze Center web site at Experian : https : //www.experian.com/freeze/center.html Select Add a Security Freeze -> Freeze My Own Credit File Enter name, address, SS #, DOB, email , and created a PIN Submit The next screen indicates Experian can not identify me based on the info I entered This same information was good enough to prove my identity for the free credit report.For what its worth, I also tried the link to remove a freeze both using the PIN created to freeze my account several years back and without a PIN. Both were unsuccessful. 
If I could talk with someone that would be helpful, but all avenues lead to a laborious process of mailing info to an address in XXXX Texas and adding time to the request. The only option offered by Experian is to buy a credit monitoring service. Any attempt to contact them results in the same thing. Im never able to easily speak to a representative. 
I simply want the ability to add or remove a freeze to my credit file free of charge as required by the Federal Government as of XX/XX/XXXX. 
Attached are screen shots of the Experian web pages I visited and the data I entered. 
I hope you have better success than me in getting this resolved and making Experian play by the rules Thanks, and Regards, 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 2023-10-22
Company: Chime Financial Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I started randomly getting emails from chime but I dont have a chime account. The company has ignored me when I tried reaching out to find out why Im getting emails. Now I got an email that I apparently sent someone money I dont know. I think chime illegally opened an account with my email and they refuse to close to.

Ive just be ignoring and deleting the emails but now Im concerned.

Please help.

Company response to consumer: Closed with explanation