BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion should not be reporting a collection in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. I do not now, nor have I in the past ever had an account with XXXX. This account was opened fraudulently. This false reporting of a collection, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX  and XXXX to remove this account however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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: Account information incorrect

Complaint:
I paid off all balances on my credit cards first week of XXXX. Now it's XX/XX/XXXX and some of the balances are still showing on my reports. I've contacted both the Credit reporting agencies, submitted disputes and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX ( approximately ) i called AMEX to report my card was misplaced and i needed a new card. just a little background i am a senior banker for XXXX, i am an expert on credit usage as well as credit accounts. I informed AMEX that i was going through a rough patch. was in bad car accident on the XXXXXXXX XXXX XXXXXXXX, couldn't work, Rental car was stolen on the XXXXXXXX XXXX XXXXXXXX. so i called to vent to AMEX as well as to fix the issue. i have never had a late payment with AMEX and have always been a valued customer. when my account was closed i called AMEX to understand what was going on, only to find out they had closed my account which caused a bill to be sent to collections and my credit to drop over XXXX points. i pleaded with them and tried to reason with them. i requested they review the call and reinstate my account because it was their error. they refused knowing how i used their services and was a valued customer to reinstate my account. since closing my account ive been denied credit and have fallen low with my credit. AMEX knew that i was a banker and that im quite aware of credit but still refused to acknowledge my frustration. loosing a XXXX $ line of credit has affected me in ways they have no idea. they told me the term close a card means to close the account completely. however, if they would have listened to the call i stressed several times that it was the card not the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX 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 2023-05-30
Company: Nelnet, 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: Account status incorrect

Complaint:
The Department of Education/NEL NET is unlawfully reporting ( 12 ) late payments to my consumer report. The reporting of such impermissible and inaccurate information has caused severe damage to my character, my reputation, and my general mode of living and has negatively affected my ability to obtain credit for personal and household purposes. The Department of Education/NEL NETs inaccurate reporting has damaged my livelihood. 

15 USC 1681a 2 reads as follows : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The reporting of ( 12 ) late payments, which are clearly transactions or experiences solely between the Department of Education /NEL NET , the person making the report, and XXXX XXXX XXXX XXXX XXXX, the consumer, may not be included in any consumer report! Including ( 12 ) late payments and adding any reference to late payment history is in direct violation of 15 USC 1681a 2 and my consumer rights!

15 U.S. Code 1681s-2 reads as follows : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The Department of Education/NEL NET is hereby placed on notice that continued reporting of impermissible information to my consumer report is a breach of your duty to provide accurate information. As a furnisher of information to a consumer reporting agency, the Department of Education/NEL NET is prohibited from furnishing inaccurate information. The continued reporting of this inaccurate information is a clear violation of 15 USC 1681s-2. The Department of Education/NEL NET has caused me and my family severe harm due to its negligent and inaccurate reporting. Update my consumer report by removing this impermissible, inaccurate, and incorrect information. 

While it may be your policy to report late payments and other negative information, you are prohibited from attaching references to late payments to consumer reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  : {$600.00} ; XXXX XXXX XXXX XXXX  : {$630.00} ; XXXX XXXX XXXX XXXX XXXX  : {$31000.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: JP Jensen Collections, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
There is too much information to list here. I have created some files to send. If you read the letter, I wrote to the Attorney that was working on this for me until I was injured at work on XX/XX/2023. I still have not been paid by Workers Compensation yet so I can't afford to pay the Attorney. I would appreciate it if someone could be assigned as my case worker/advocate to assist me in this 20-year-old loan that I thought was paid in full when I had relocated for my job to California and I had not heard from the bank in years. I told the loan officer my situation and we had a verbal agreement that was for me to drop off the vehicle at the bank and he was going to sell it. If there was a loss, he was going to contact me and if profit, he would send a check. The confusing part out of all this is I am paying for a vehicle I dont have in my possession. The bank had my contact information, and it stayed the same for 6 years after I dropped off the vehicle. The bank is no longer in business, and I also suspect that they got into financial trouble, and they are trying to sue anyone they can take advantage of. This bank has also pursued a few other people that I heard of within the last few years. Either this is a scam, or something is really wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In a letter dated XX/XX/2020, I sent a 609 verification letter to Trans Union. 
Tracking number XXXX XXXX XXXX XXXX XXXX. 
This letter was delivered on XX/XX/XXXX at XXXX I asked that 3 accounts be verified. 


On XX/XX/2020, Trans Union sent me a response saying that the accounts were Verified, but did not say how. In addition, Trans Union did not respond until XX/XX/XXXX. 

On XX/XX/XXXX, I wrote Trans Union a letter ( XXXX XXXX XXXX XXXX XXXX ) delivered XXXX XXXX. Stating that XX/XX/2020, is much beyond the 30 days and that per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts entirely from my report. 
Trans Union did not delete XXXX  XXXX XXXX, XXXX, and XXXX XXXX as required by law. 

On XXXX XXXX I also wrote a separate letter, XXXX XXXX XXXX XXXX XXXX that was also delivered XXXX XXXX that that I made under FCRA 611 ( a ) regarding USBK Court Kansas docket XXXX and USBK Court XXXX Missouri Docket # XXXX. As of today, XX/XX/2020, I have not received any correspondence from Trans Union. This is FAR outside of the 15 days and by law must be permanently deleted.

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 2019-06-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been attempting to claim my annual free credit report from, Experian, XXXX, and XXXX on annual credit report.com and after filling out my infomation it told me that It could not verify my identity and that i would have to mail my information to the po box of the bureau and I have not due to fear of the information i have aready lost and even greater fear that my identity may have been compromised I have tried to get my free report multiple times but to no avail.

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 2023-05-30
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a collection flagged by Consumer Adjustment co from a hospital bill that would be on record until XX/XX/XXXX. I disputed the collection with the collection agency directly due to that medical bill being paid by my insurance and me having no recollection of it outside of that. The collection was then removed and gone from all 3 of the credit bureaus by XX/XX/XXXX. The collection has reappeared by XXXX XXXX XXXX as of XX/XX/XXXX, without me being aware, and is now on record until XX/XX/XXXX. I checked back on my Account with Consumer Adjustment co and had came across a settlement offer for the same collection that is being reported by XXXX XXXX XXXX and when I try to look up my account with them I can not find it. I don't understand how this collection is being flagged by one account and reaged while being offered a settlement by Consumer Adjustment after I had disputed the collection. This sequence of events feels uncommunicative, indirect, and aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CITIBANK, N.A.
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:
Please see letter as attached

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 2023-05-30
Company: T.S. Holdings
State: MI
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:
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) IQ data All 3 collection services have incorrect information which I keep trying to dispute and it clearly isnt working The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.

See 15 U.S.C. 1681u ( a ), ( b ). The Act eliminated the requirement of a nexus to a foreign power or its agents and instead requires that the information sought be relevant for various national security investigations to protect against international terrorism or clandestine intelligence activities.

See 1681u. The Act also broadened other federal agencies access to consumer reports. Section 1681v obligates CRAs to provide consumer information and reports to a federal agency authorized to conduct investigations of, or intelligence or counterintelligence activities or analysis related to, international terrorism. Senior federal agency officials are empowered to issue a certification that the information is necessary for the agencys conduct or such investigation, activity, or analysis. See 1681v ( a ) & ( b ). Upon certification that disclosure to the subject would impair national security or interfere with an investigation, the entity providing the information is not permitted to disclose to the subject or others ( except counsel and those necessary to comply with the request ) that the government agency sought the credit report. See 1681v ( c ). State and local law enforcement within fusion centers often work in conjunction with the FBI or other federal officials to seek consumer reports pursuant to either 1681u or 1681v authority. If 1681u or 1681v is not utilized or applicable, consumer credit information may be obtained by seeking a court order or subpoena as authorized at 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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:
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. 

Account name XXXX XXXX XXXX  account number XXXX, Account name - XXXX XXXX  account number XXXXXXXX XXXX XXXX xxxxxxxxxxx XXXX, Account name : XXXX  Account number xxxxxxxxxxx 1631 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer repoeting agency may make any consumer report containing any of the followong information. Any adverse item of information, other than records of conviction of crimes which antedates the report of 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 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 is still someone else on my credit report by the name of 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 2022-11-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Personal information incorrect

Complaint:
Repetitive Incorrect information on my credit report.

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 2023-05-30
Company: Self Financial Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After carefully monitoring my credit reports the last serval months I notice this account is reporting to all three credit bureaus, the Account name is XXXX. 

In accordance with fair credit Reporting act XXXX. XXXX have violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B A creditor may not treat a payment on a credit card account under law as open end consumer credit plan as late payment. 

I have contacted all three credit bureaus that are reporting, and ask them to validate this account, and that has not happen. I have been sending letter since XX/XX/XXXX. 

I have contacted the company, trying to dispute this information and they do not have a place really to call to dispute the information. They took the information from that I have no knowledge of this account and could they send me proof that I am the owner of this account and they have failed to send out the necessary information or remove this file from my credit files. 

XXXX and XXXX are reporting this card with a late payment in XX/XX/XXXX then it was closed right after. XXXX is reporting this account as in good standing never late, this is in accurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation