BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EXPERIAN is violating my federally protected consumer rights. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXXXXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and is supposed to be reported as PAID AS AGREED. 
I have previously made a claim revoking any permission granted for them to publicly furnish this private information. They continue to publicize this information which violates 12 CFR 1016.7. EXPERIAN never provided me an opt out form, and they continue to furnish this information even after I have opted out by revoking my consent for them to post this information through previous disputes. Furnishing this information is now also a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates. Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ). EXPERIAN is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information. Finally, in reference to my past claims on this matter, EXPERIAN did not conduct an Investigative Consumer Report in accordance with 15 USC 1681a ( e ). It is clear that EXPERIAN has violated many of my federally prot
ected rights by furnishing this information on my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), EXPERIAN is liable to compensate me {$1000.00} per violation, totalling several thousand dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
EXPERIAN must immediately CHANGE THE STATUS OF THIS ACCOUNT TO PAID AS AGREED

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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-11-03
Company: Nelnet, Inc.
State: OH
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:
I am dealing with Nelnet not properly handling my payments and costing me money in the process. Their customer service is virtually impossible to get a hold of, I've waited on hold for more than an hour and did not get through. I will describe the specifics of my problem below : My first debt payments were due on XX/XX/ and I set up auto-debit on XX/XX/. My total loan amount was {$80000.00}. I was slated to make a payment of ~ {$950.00}. Because Nelnet didn't process my payment, my loan amount due is now {$81000.00} - due to their negligence and inefficiency, my loans have grown roughly {$310.00}. Also, my {$950.00} a month payment is steep for me, so I requested a lower payment amount on XX/XX/. Their website says it takes 2 business days to process the request- it is now XXXX XXXX XXXX, and it was never processed. 

I'm greatly concerned that I have such a substantial amount of debt being managed by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX of inquiry : 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 2021-04-29
Company: EQUIFAX, INC.
State: CT
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 FILED AN FTC REPORT FOR AN 2ND TIME. i HAVE INQUIIRES LISTED THAT DO NOT BELONG TO ME AND AN ACCOUNT LISTED ON EQUIFAX. ALSO XXXX  HAS AN INCORRECT DATE OF BIRTH FOR ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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'm reaching out today to file a complaint regarding an incident of identity theft that I've experienced. After conducting some research on how to address the fraudulent inquiries on my credit report, I discovered that I need to visit https : //www.ftc.gov to file an identity theft report. According to FCRA section 605b, Credit Reporting Agencies are mandated to remove and block any inquiries that are listed on an identity theft report. I have also attached the necessary documents to aid in the removal or blocking of this inaccurate information that is currently appearing on my credit report. Below, you'll find a list of inquiries that are not associated with me or were opened without my consent : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 4 business days after the date of receipt.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
This debt showed up on my report as being in default. 
I have not lived in Connecticut to open such an account, I called XXXX XXXX XXXX and it states it was opened in that state. 

This is NOT my doing and I want it taken off my credit report!! 

This is FRAUD!!! and it needs to be handled. 

This account was opened up and It does NOT belong to me!!!! 

Thank You, 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These addresses are not mine. I have never lived at XXXX XXXX XXXX XXXX Georgia ( this is my sister XXXX XXXX address ) nor at XXXX XXXX XXXX XXXX  XXXX XXXX Georgia this is XXXX XXXX address. Im dealing with identity theft connected to both addresses and the credit bureaus have refused to delete them because they are connected to accounts, but the accounts are fraudulent

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 2019-03-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Online purchase in XX/XX/2018 for Product : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX '' XXXX ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX  ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX  ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX ( XXXX '' Diag ) ( XXXX ) In the amount of Total : {$100.00} Have never received item ordered!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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 2023-10-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted several disputes because of XXXX XXXX that are not mine and they haven't mailed proof of the original documents if these were in fact my debts. This makes me question all inaccuracies. The disputes that I submitted were updated in one day. They didn't DELETE ANYTHING THAT WAS INACCURATE AT ALL!! They are violating my rights as a consumer. There are not even full account numbers. ( EXPERIAN ) reads as follows ... ... ..Receivables XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX . I never entered into any agreement with them ... .I demand that these Collections be removed! They don't even have full account numbers. 

( XXXX ) reads as follows ... ... account for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never entered into an agreement with them either and they never provided proof. These all violate my consumer rights and are reporting inaccurately I demand that they be removed. 

( XXXX ) Doesn't report accurately either for XXXXXXXX XXXX XXXXXXXX. There is no account number at all! These all violate my rights as a consumer ....

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 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
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:
Good evening, My name is XXXX XXXX and I am a victim of Identity Theft. 
Experian is breaking FCRA laws by reporting an account that is a direct result from Identity Theft to my credit report. 
The account in question, XXXX XXXX, is not my account. 
They say they verified the information but haven't shown me any proof or anything. 
I have sent Experian multiple letters with various forms of proof. 
They always give me the run around. 
For example, on XX/XX/03, I wrote to Experian and sent an updated Identity Theft report and they said that the identity theft report isn't valid because it doesn't come from a law enforcing agency. The Identity Theft report is from the FCC and it is XXXX valid and accredited. 
I have told Experian over and over to please block this information and they do not listen. 
I am hereby reporting them because it's been past XXXX business days and the incorrect information is still being reported to my credit report. 
Please take the necessary steps to reprimand them. Thank you.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX Date of a Collection XX/XX/XXXX Original Debt Collection-XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-10-13
Company: BMW Financial Services NA, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: Army and Air Force Exchange Service
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
from XXXX  related to XXXX and XXXX exchange service their phone : XXXX illegaly and wrongfully withheld XXXX from my SS check and have no other income source. 
Crime : Stolen identity or terrible errors in billing XXXX is the bill collector for XXXX and XXXX XXXX XXXX a gov. related busisness. ( XXXX ) Thank you so much ; A bill collector named XXXX, with XXXX XXXX and successfully garnished my Social Security, without even notifying me they would do so. I outlined for them a three page document pledging the statements to be true that it would be impossible for me to have order and not pay for items they claim i ordered but did not pay for. I appealed to them to show that I ordered such items ; they could not provide any documents to prove I had ordered ten items. They, then threatened to garnish my SS which they did on the tenth of XXXX of this week! I sent to them two and a half weeks prior to their garnishment explaining my reasons why I had not even ordered these ten items totaling about XXXX! They did not respond in any way to my emails and phone calls but just removed XXXX from my monthly check! They claim that I ordered these items, but I did not. They sent me some impossible to read pictures of items having arrived to my front deck of my house. But those items were delivered in XXXX and XXXX, but they did not send me any bill for these items until XXXX, and it was only an obscure e mail. 
No business letters never arrived until XXXX, and when it arrived it did not look like business bill! Therefore, I did not take it seriously. About mid XXXX I got a letter from the treasure department warning me of my un paid bill. It was a bill for XXXX. I knew I had never bought anything from XXXX and XXXX XXXX, so I thought it was a mistake. 
By XXXX They finally sent me another letter, then warning me that they could have my SS income garnished. At that time I phone them and they told me they would phone me back to explain their action. They never phone me. Finally after repeated pleas on my part to explain my innocence of these charges. 
XXXX never answered how would it ever have been possible for me to have them send items to me without my paying for these items in advance, i.e. a charge card or check. ( I do not use charge cards at all, and do not write checks. ) I asked them repeatedly, why would they send me items they charged me for, that I had never ordered? Further, why would they send me anything if I had no charge account with them. ( I had no charge account with them. ) Even if I had a charge account, which I did not, I could not charge more than XXXX dollars and they claim I had a XXXX bill! 
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 2022-02-14
Company: RAB, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Thursday, XX/XX/XXXX at XXXX XXXX XXXX I received a text message on my personal cell phone XXXX from XXXX XXXX representing eCommission from XXXX and XXXX with this threat, quoted : " XXXX, if I do not hear from you I will have to put your account in legal status. You understand that they will file complaints against your license? ** Please give me a call ** XXXX XXXX representing eCommission XXXX. '' I did not reply. Then, again on Friday, XX/XX/XXXX, from the same number I received the following text, quoted : " I will be notifying XXXX XXXX  of the UCC1 Lien against you ** XXXX XXXX representing XXXX XXXX. '' I responded : " There is no lien against me. Does your firm usually tell lies? And that would be a CFPB violation against you if you do so. I'm an educated person. Threaten me again. I also have not authorized your firm to text me. FTC violation. Don't text me again. '' A few minutes later, I received multiple emails to multiple email accounts, including my employer-sponsored email address, from an account which I did not authorize or opt-in to receiving emails from eCommission. To my ultimate humiliation, my former employer, XXXX XXXX, was copied, as well as, my former email address with that employer, my personal yahoo account, my personal gmail account. 

Included in their numerous emails as an attachment is what appears to be a UCC-1 filing against me, dated XX/XX/XXXX. However, the financial instrument they attached as " proof of indebtedness '' to eCommission was dated XX/XX/XXXX. My first response to them was that I had not been served any documents via judicial due process ; I had no knowledge of such lien against me ; and I questioned the dates on the documents. 

They notified my current employer with the same attachments via facsimile addressing XXXX XXXX, Compliance Specialist with XXXX XXXX. XXXX XXXX has confirmed receipt of all of the above from this debt collection agency, https : //www.rabtx.com/ - claiming to represent eCommission. They told my employer that they expected to be paid. 

In addition to the discrepancy in the dates ( filing a lien against a consumer 9-months prior to the date of the financial documents/loan ), the documents filed with the UCC-1 are against a nickname, the address on the documents was vacated more than 2 years prior to the lien filing date, judicial due process was not complete, but their brutally embarrassing tactics have caused me personal strife, fear, and anxiety. 

I am a XXXX  mother of XXXX  children. My employer is my only source of income.

Company response to consumer: Closed with explanation