BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Advantage Collection Professionals, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

Creditor Name : Advantage Collection Pro Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MO
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 Reporting Act all these accounts have violated my rights. 
MO CHLD SPRT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX 15USC 1681 602a states i have the right to privacy. 15USC 1681sect 604a Section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions.

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 2023-05-24
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted them and try to rectify the situation and let them know that this was an alleged debt and that they are violating multiple Federal laws.I also stated that our most recent calls are being recorded ( which I can provide to or at any legal proceedings ) The calls has been recorded numerous times and they keep saying that I owe alleged amounts which they can not do legally they also tell me they have the right to tell a consumer that they owe a amount which is illegal they were committing to fraud. Under 15 usc 1692 D no debt collector is allowed to harass or abuse. As stated above I am being harassed via mail, phone, and severely negative impact to my credit report. I told them I do not owe this alleged debt and refuse to pay ( Debt validation 1692c ( right to refuse pay ) but they werent being helpful and trying to use deceptive methods to get me as a natural person for verify and alleged debt. FDCPA violation. Debt collectors can not verify anything I shared that I that I did not want my information shared because I have a right to privacy and they were not given any prior written instructions to share my information. They have called me about three times which they admitted to amd sending letters with all of these things were very inconvenient and according to 15 USC1692 k I have The legal right to request compensation for punitive damages and physical damages my credit score has been severely damaged as a result of this I got high interest rate on a consumer vehicle because of this it has cost me time it has cost me money it has also cost me headaches and it is damaging my relationships with other individuals and other corporations I gave them today as of today which is XX/XX/2021 notice that I am requesting payment of at least five federal violations I do not agree to settle I request that these funds will be sent certified mail to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Bread Financial Holdings, 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:
There are fraudulent credit inquiries on my credit report XXXX/XXXX   Inquiry from XX/XX/XXXX this account is fraudulent and I would like it removed off my CREDIT REPORT ASAP BECAUSE IT DOESNT BELING TO ME AND IS FRAUDULENT.

Also there are other fraudulent accounts on my report and I want them removed at once these accounts are fraud and do not belong to me and I would like them removed from my credit report at once XXXX Reported : XX/XX/XXXX + {$420.00} XXXX XXXX Reported : XX/XX/XXXX {$390.00} XXXX XXXX/XXXX Reported : XX/XX/XXXX {$420.00} These accounts are all fraudulent and I want them removed I keep writing these companies but they have yet to be removed for my credit report. These are amfraud and do not belong to me please remove them at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified Inquiries listed below are still reporting on my credit report in violation of federal law. The 3Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : EXPERIAN : 1. XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX 2. XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 3. XXXX XXXX Date of Inquiry XX/XX/XXXX 4. XXXX Date of Inquiry XX/XX/XXXX 5. XXXX XXXX  Date of Inquiry XX/XX/XXXX 6. XXXX XXXX Date of Inquiry XX/XX/XXXX 7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX : 1. XXXX Date of Inquiry XXXX XXXX, XXXX 2. XXXX XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX 3. XXXX XXXXXXXX XXXX  Date of Inquiry XXXX XXXX, XXXX 4. XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX 6. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 7. XXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX 8. XXXX XXXXXXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX 9. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 10. XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX XXXX : 1. XXXX XXXX Date of Inquiry XXXX XXXX, XXXX 2. XXXX XXXX XXXXXXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 3XXXX XXXX XXXXXXXX XXXX Date of Inquiry XXXX. XXXX, XXXX 4. XXXX XXXX  Date of Inquiry XX/XX/XXXX 5. XXXXXXXX XXXX  Date of Inquiry XXXX. XXXX, XXXX 6. XXXX XXXX # XXXX Date of Inquiry XXXX. XXXX, XXXX 7. XXXX XXXX XXXX XXXX Date of Inquiry XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX of this year i wrote a letter to Transunion, XXXX XXXX XXXX to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XX/XX/2023 & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. Transunion XXXX XXXX Followed up with another Letter 14 Days later on XX/XX/2023 and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX XXXX to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal XXXX Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. XXXX XXXX XXXX Transunion, XXXX XXXX XXXX is Still Denying me of my XXXX XXXX XXXX XXXX their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.

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 2023-09-28
Company: EQUIFAX, INC.
State: CA
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:
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 following items 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Capital One credit card that advertised a {$300.00} cashback offer upon spending {$500.00}. With a credit score exceeding XXXX, I felt confident about approval. Subsequently, I received approval for the QuickSilver credit card and proceeded to spend {$500.00} using it. However, upon inquiring about the expected cashback, I was surprised to learn that the QuickSilver card wasn't eligible for the advertised offer. I reiterated that I had applied precisely as instructed through the m
ailed offer. However, the customer service representative clarified that I had been approved for a different card than the one I applied for. This came as a shock because nowhere during the application process was it indicated that I would not be eligible for the {$300.00} credit, especially considering my exceptional credit score. 

When I asked for documentation verifying that I was denied the cash back offer, they were unable to provide any such documentation. This experience has led me to suspect a bait-and-switch tactic, as the sole reason for applying was to benefit from the {$300.00} cashback offer. Consequently, it became apparent that I had just spent {$500.00} using their credit card for no benefit, except for a hit on my credit score! The discrepancy between what I applied for and what they approved me for, without the {$300.00} cashback offer, was not clearly communicated to me during the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Nelnet, Inc.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} has violated my rights 15 u.s.c. 1681 section 602 A states I have a right to privacy. 15 u.s.c. 1681 section 604 A Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions. Neither company was able to furnish me with my original contract these accounts should not be reporting THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER ATTENDED COLLEGE OR APPLIED FOR STUDENT LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello i have been trying and trying to get this stuff fixed for almost 2 years now. The reporting is just all over the place honestly and you guys are my last resort. In the past Fed Loan Servicing has been pretty decent with getting back to me. However every time the " updated '' something it still came back inaccurate on my credit report. So it's costs me time and alot of money going back and fourth with them for 2 years. get that they are very busy and probably under paid but the illegal reporting is really stressing me out and causing me XXXX XXXXXXXX and everything. Covid really hurt alot of people and i know they are helping people get through it by deferring stuff, but man they have been ignoring me like crazy. As an American, i have rights and my rights are being ignored. They are illegally and inaccurately reporting information to XXXX XXXX and XXXX. Not only did i never receive my consumer reporting rights from Truth in Lending but it is inaccurate reports showing. They are reporting 5 different reports as of today. And i am a private person so i told them i don't want to give up my right to privacy for them to violate that hurts bad. I asked them to remove it many times but they are just too busy to listen. They removed some but not all the ones i mentioned in my letters. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ... XXXX XXXX XXXX acc # XXXX has violated my rights under 15USC 1681section 602a. the law states i have the right to privacy. and 15USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions. 


XXXX XXXX XXXX acc # 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 2023-09-28
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXXXXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: EQUIFAX, 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code XXXX  XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted.

from an alleged identity theft, not later than 4 business days after the date of receipt 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written. 
Instructions

Company response to consumer: Closed with non-monetary relief