BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: Nelnet, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and nelnet says it sounds like when I first started my tpd it was a different process but either way I sent over my 1099c form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. Nelnet told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX 2.0 score dropped 28 points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to nelnet also the loan department of nelnet has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
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, This account : XXXX XXXX XXXX # XXXX {$720.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) section states ; no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX/XXXX/2021 I filed a complaint against a fraudulent company called Asset acceptance llc Complaint # XXXX that company sent me a doll if I was seized at that time regarding an account I was unaware of Two days after having a complaint I received a notice of dissolution of continuation of the lien doll. Today I received the same letter trying to collect the same fraudulent debt. I am enclosing a copy of the dissolution that was sent to me. Could you verify all the information in the first complaint? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 checked my credit score and I saw a hard inquiry from XXXX XXXX. I have never had any interaction with this company. I want to ensure that my identity has not been compromised. A similar thing happened with XXXX XXXX XXXX. I attempted to open a business bank account and an account was already opened using my social security number with a different name.

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 2021-06-28
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:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account XXXX  : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft DEPT OF ED Date of inquiry : XX/XX/XXXX This is not mine.

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 2022-12-23
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
I am un able to get a copy credit report from equifax after several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-23
Company: Experian Information Solutions 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 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 corrected : XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}

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 2020-03-10
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX/XXXX  # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/XXXXXXXX letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.

Company response to consumer: In progress
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or remove the following accounts that are harming my credit : 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 credit report I obtained from Transunion through XXXX indicates a low credit score because, among other cryptic explanations, XXXX reports a delinquent account. This is not true. XXXX sold the debt to another company. The information is incorrect and must be reported paid as agree. I was never late to XXXX ( acct XXXX ) and it was never part of any Wage Earner Plan. Moreover, this automobile loan was never part of a Chapter XXXX. I have requested the report from the court of jurisdiction as evidence. All 72 payments were made on time and were not part of a Chapter XXXX. The Transunion account still shows the following incorrect information : Alert Type : Delinquent Account.

Processed Date : XX/XX/2018. 
Account number : XXXX. 
Creditor 's Name : XXXX. 
Type of Industry : Miscellaneous Finance Companies. 
Address : XXXX XXXX XXXX, XXXXT XXXX, MO XXXX. 
Payment Status : Wage Earner Plan.

Creditor 's Preferred Contact Method : Other.

Consumer Statement : Dispute resolved ; customer disagrees.

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 2023-11-15
Company: EQUIFAX, INC.
State: IL
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 have XXXX XXXX inquiries on my credit report that i know i did not apply for, as well as XXXX collections account on my Equifax report! 

Hard Inquires on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Equifax XXXX XXXX XXXX {$130.00} XX/XX/XXXX Original creditor is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had {$13000.00} for the tax payment of my home on XXXX XXXX XXXX. The bank has allowed a criminal to steal {$13000.00} from XXXX checking accounts. The first checking account ends in XXXX. My daughter and I are at risk of becomming homeless. There are criminals copying our phone numbers, and they may be several other culprits or troublemakers. Also, a woman, named XXXX XXXX XXXX, illegally, ordered debit cards, and has stolen the money to pay the taxes on the home. XXXX XXXX is not reported on wills, tax documents, POD statements, or other pension accounts. My daughter, XXXX XXXX was the only person allowed to access these accounts for me. XXXX was also a joint owner. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, have fraudulently stole the money at several ATMs. I need the money returned, so that I am able to pay for repairs to the home. My daughter is at risk of getting XXXX, XXXX  or XXXX. She needs to pay for the home on XXXX XXXX XXXX. This is a serious crime to steal large sums of money from someone without their permission.

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 2021-06-24
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave Mortgage will not refund my loan fees even after the XXXX XXXX advised that the same would occur if we could not close the transaction. The refi transaction was suspended due to valid, open, credit disputes which were initiated before the application process. 

A few issues : 1. The XXXX XXXXXXXX, XXXX XXXX, lied when he said that the {$500.00} processing fee would be refunded of we could not close. This was not done and he acknowledged in a subsequent email and call that the fee was not refunded as the appraisal was completed, which the appraisal was not completed ( another lie ). 
2. The XXXX XXXXXXXX, after initial credit pull, never advised that pending disputes with the credit reporting agencies would cause the transaction to pause. 
3. The XXXX XXXX and processor coerced me into closing valid disputes with the credit reporting agencies to close the transaction, which I did where I was able to. I regret the same as the disputes were valid and the disputes processed had a positive impact on the credit scores. 
4. The lender, through a revised loan estimate, had me paying just short of {$8000.00} in origination fees and points for a {$170000.00} mortgage. This seems predatory.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$110.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to 15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS This XXXX XXXXXXXX account shouldnt be reported on my credit file as late, Also the balance of the account was discussed and updated but is still reporting to my credit file as charged off and not up to date, This company needs to update my credit file to reflect an up to date payment line and remove any derogatory remarks on my credit file

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