BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: TN
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 recently disputed inaccurate accounts on my credit reporting profile with Experian. 

I was recently involved in fraud where my name and social were compromised dealing with these accounts. I sent id verification over to the company per their request. To no avail, the disputed accounts were not resolved. these reporting parties do not have my authorization to report these accounts without my knowledge or consent. I have no contracts with the following companies as stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 2022-10-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account with XXXXXXXX XXXX  is already satisfied and paid

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 2022-04-21
Company: V and H Portfolio
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Summary : Submitted a {$500.00} payment that was cashed by Navient but not applied to my loan. I tried calling, I tried chat, and I tried sending a letter. Navient has not addressed the problem. 

Details ( this is actual text ( " copy and paste '' ) that was printed and sent via USPS to Navient, which Navient has not responded to early XX/XX/XXXX ). : -- -- -- -- -- -- -- -- -- -- -- -- Late XX/XX/XXXX, I submitted a payment that was deposited by Navient on or about XX/XX/XXXX to loan ID XXXX, belonging to me, XXXX XXXX. But the payment was not actually applied to my account ( XXXX ). They payment was serviced by XXXX. 

This payment was not applied to that loan, nor any other loan of mine. The check was deposited. The canceled deposited check is included in this package.. 

Please apply the {$500.00} payment to loan ID XXXX. 

If you have any questions, please contact me via email ( XXXX ), phone ( XXXX ), or a secure message via the Navient web interface. 

-- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Additionally, I contacted the bank and they told me they would delete the account from my file. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

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 explanation
Consumer complaint received 2022-10-16
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Letter received by Gurstel Law Firm XX/XX/2022 indicating a debt owed. I do not have any relationship or contract with Gurstel Law Firm. On XX/XX/2022 a USPS tracking XXXX a letter was sent requesting the following : 1. The amount you claim the Principal owes on said account ; and 2. An explanation showing me how Gurstel Law Firm computed the amount ; and 3. The identity of the original creditor ; and 4. Confirmation that the account has not exceeded the statute of limitation ( SOL ) period ; and 5. Evidence that you are a licensed debt collector in the STATE OF Arizona ; and 6. Evidence of your license numbers and your registered agent ; and 7. Certified Final Forensic Internal Audit of said account 8. Tax Registration Certificate.

9. A rebuttal 10. A wet ink signature I gave them 10 days to respond, but it took them 20 days and the response did not include anything stated above. They decided to send a letter, but no documentation of any contract between the parties. 
This is harassment as 1. there is no debt owed between XXXX and GURSTEL LAW FIRM 2. GURSTEL has not been able to prove that a contract exists between the parties. 
3. GURSTEL continues to send large packets of paper that has no evidence of relationship between the parties. 
According to 15 USC 1692 C - A debt collector can not contact me without my consent. I gave no consent for this company to contact me in the first place, but they have continued to contact me without basis.

15 USC 1692b- they have stated they are in the business of collecting a debt. I have no context for this relationship or debt with this company.

15 1692d ( 2 ) Inappropriate language - sending me a letter indicating " debt '' has been troubling. I have tried to resolve this, however they have not responded appropriately.

15 USC 1681n - GURSTEL is in willful non compliance by continuing to ignore the consumer request to verify the account and validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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:
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 which 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 ( I learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/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 2022-04-21
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I never applied or received a loan from them, someone else did. I don't know anything about it. When they sent me the information it was not me everything was wrong on the copy of the check. It didn't have my correct driving license number, it doesn't have my signature on it, it has my old child hood phone number that has been disconnected over 20 years. I don't know why the place would cash a check with none of the right information. I did not do this and I want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used my Capital One Pottery Barn card for a {$4500.00} furniture purchase and availed myself of the card 's 12 month interest free payment option. If the amount is paid off in 12 months, no interest or fees are charged, or so I was lead to believe. What they don't say is if you make any other purchases with the card during this period they will incur a 1 % fee on each purchase. Even if you pay the balance due each month. There is no way to avoid this fee, making the 12 month interest free option essentially worthless in my estimation. I feel this is deceptive even if it is disclosed in there multi-page terms of service that no one is expected to read when agreeing to apply for the card. This fee should at least be disclosed on every purchase if the 12 month interest free option is taken so that the customer has to option to use another credit card or pay cash to avoid the fee. That's what I'm doing. I won't use the card again until the {$4500.00} purchase is paid off in 12 months. They do not disclose this in the monthly statement and it took me 30 minutes on the phone with them for them to explain how their " minimum interest free payment '' was calculated, which was obviously not interest free.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: AL
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.

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 2023-11-22
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I will be XXXX XXXX XXXX in XXXX. I applied for a Private School Loan XXXX Discharge thru Firstmark Services multiple times. The loan was originally thru XXXX XXXX and was turned over to Firstmark Services. I provided Social Security records and physician certification per their requirements. Their application only required one or the other to be provided and I provided BOTH. I went on XXXX in XXXX. In XXXX after having XXXX XXXX including being on a ventilator while in the hospital I became XXXX XXXXXXXX with XXXX XXXX XXXX including XXXX XXXXXXXX and currently am on continuous XXXX. They have denied my request despite the fact that I have met all their requirements. I also applied for the same type of discharge for my school loan thru the Department of Education and it has been already preapproved. I have already paid monthly payments on this loan for several years and it has become a severe hardship for me to pay. There is approximately only $ XXXX left on the loan.They said they offer loan discharges for XXXX XXXX and in good faith I applied. They have denied my application multiple times despite the fact that I do qualify. They have in their possession already the application that I supplied including physician certification and Social Security records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ford motor credit has charged off my account and the irs states : The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! Which in fact makes the reporting of this account incorrect. Even if i didnt receive a form 1099-c, they must report canceled debt as gross income on their tax return.

Also 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) States : 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 2022-10-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.

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 2019-07-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I don't recognize the following account XXXX XXXX   Last reported XX/XX/2017. Please investigate the following account to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: LA
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 am in the process of obtaining a residential mortgage. 

On XX/XX/2020 I attempted to unfreeze my Equifax credit history via myequifax.com. I had called Equifax earlier that day for assistance and was advised by their XXXX call center to us myequifax.com to obtain my credit report and to unfreeze my history. I was unable to access the website which displayed a phone number to call. I called the number and the person I spoke with advised me to fax my passport and drivers license with a cover letter to XXXX which I did on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from Equifax advising I needed to submit copies of my passport and drivers license to verify my identity. I called the XXXX call center who verified receipt of my fax on XX/XX/XXXX and that my identity was confirmed. The representative offered to unfreeze my credit history which I declined instead requested assistance to access myequifax.com. He transferred me to the help desk which I was on hold for over four hours without result. On XX/XX/XXXX I called Equifax at XXXX when they opened and spoke to XXXX who said he was a supervisor in the XXXX call center. He advised they were unable to verify my drivers license copy and that I would need to resubmit my documents. I should note that when I tried to fax on XX/XX/XXXX it took hours as their fax line wasn't working correctly. 

At this point I am hopeful the CFPB can lend assistance as it appears Equifax is running me through a gauntlet as a punitive measure because I have a security freeze. Thank you for any assistance.

Company response to consumer: Closed with explanation