BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX  has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of XXXX, a XXXX XXXX collection account was opened under my name without my knowledge or consent and was used and left a {$4600.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2019-10-02
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was unaware of this debt because of identity theft and found out about it as I am trying to purchase a home and this debt is prohibiting me from doing so. 

NCB MANAGMENT SERVICES {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: GA
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. 

XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: IA
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 bureaus ( XXXX, Experian and XXXX  XXXX have been provided Satisfaction Letters with regard to a creditor 's tradeline ( XXXX XXXX XXXX XXXX ) yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor XXXX XXXX XXXX XXXX  has referred to me the assignee XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. 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 non-monetary relief
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: CA
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:
In approximately XX/XX/XXXX I secured an installment loan with XXXX XXXX  to purchase a mattress. the loan was paid off in XXXX. 
I was advised be Experian that in XX/XX/XXXX XXXX mailed a credit card to XXXX XXXX .XXXX  XXXX XXXX XXXX , CA XXXX. Approximately {$6300.00} in fraudulent charges were made on this card. After many phone calls to them, XXXX  sent me a letter dated XX/XX/XXXX stating " The XXXX XXXX  Fraud Solutions team has reviewed your claim and confirmed your XXXX XXXX  account was used without your consent '' And also " You didn't make these purchases and because you have {$0.00} Fraud Liability ... you are not responsible for them '' However, on XX/XX/XXXX XXXX  reported to XXXX that the matter was under investigations " with possible negative negative impact to my credit score ''. 
IT IS MY OPINION THAT XXXX  KNOWS WHO THE ALLEGED FRAUDULENT PERSON IS. Prior to all the above, in XXXX of XXXX, XXXX, on behalf of its customer XXXX XXXX XXXX, tried to transfer {$4500.00} out of my XXXX XXXX checking account. Per XXXX, one of the addresses listed for XXXX XXXX XXXX was the same address that XXXX had mailed the credit card to, being XXXX XXXX XXXX XXXX, XXXX, CA 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 2023-06-07
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a loan on Nelnet and was declined around XXXX XXXX I checked my credit report about a year later and I had two student loans from Nelnet. One was about {$4000.00} and the other was about {$2000.00}. I never received this money. I called Nelnet, they said they couldnt do anything. I tried talking to XXXX XXXX XXXX, there wasnt much they could do either. I tried logging into Nelnet to see if I had an account at the time. There was no record that I even got the money. I never received any emails, letters, nothing. It just appeared on my credit report. Please help me, it is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: GA
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. 

XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2019-05-19
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received letters regarding a collection account from Transworld Systems. I have consistently requested copies of any and all paperwork with my signature attached with an ID. I have received very nonchalant letters from Transworld stating that I owe {$1000.00}. I have contacted the original creditor which is XXXX   XXXX XXXX. They have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter to have debt validated. They were unable to properly validate date. The validation that was sent belongs to another individual. 

Attached : original letter from me, letter from the collection agency and the verification with the name, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AZ ). The name has been circled in the document. 

Please have company remove from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-03-14
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Good Morning, I'm receiving several phone calls from Franklin collection svc, daily even after XXXX on a Sunday. I contact them several time last year .I also file a complaint again them asking for Verification of this debt that .I have no idea about they remove it from my credit report they place it back without sending me a notice for me to know what this debt is about they call me at work contact me on my cell phone several time a day I .asked them to send me in writing physical proof of verification under FCRA 15 u.s.c 1681 all unverified account must be prompt deleted therefore if they are not able to provided me with a copy of verification they should not be reporting and flagging my account several time per week Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: LA
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 a fraudulent account with inaccurate information that has been flagged as fraudulent with : 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 explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear Experian, I am writing to dispute the inaccurate information in my credit report that you have reported to hurt my credit score. Specifically, your report indicates that I have an installment loan account that is open, but in fact, this account has been closed. 
I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) grants me the right to receive accurate information on my credit report. According to the FCRA, credit reporting agencies must ensure that the information they report is accurate, up-to-date, and complete. Any inaccurate information can damage my credit score and cause harm to my financial reputation. 

The FCRA also mandates that credit reporting agencies must investigate any disputes brought to their attention by consumers. As such, I request that you investigate the inaccuracies in my credit report and correct the information as necessary. 

Furthermore, I would like to remind you of the requirement under the FCRA that credit reporting agencies must provide consumers with a free copy of their credit report once every twelve months. I request that you provide me with a free copy of my credit report so that I can review the accuracy of the information. 

In addition to the FCRA, there are also other consumer protection laws and codes that protect my rights as a consumer. These include the Consumer Credit Protection Act, the Truth in Lending Act, and the Fair Credit Billing Act. These laws mandate that credit reporting agencies must adhere to strict standards of accuracy and transparency when reporting credit information.

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 2023-10-07
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
the Home Equity Line of Credit has had a XXXX balance for months. 3 times via telephone and 3 times via letter, I have asked to close this XXXX BALANCE HELOC and they continue ignore my requests for updates on the status AND have ignored my request to close the loan and remove it from my property deed. 
I have called. I have written several letters and threatened action with the CFPB. They utterly ignore my requests to close the loan. 
Specialized Loan Servicing, Loan Number 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 2023-12-06
Company: EQUIFAX, INC.
State: NC
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear Experian, I am writing to dispute an error in my credit report which is harming my credit score. According to my credit report, I have an Apple by Goldman Sachs credit card account that is currently open. However, this account was closed in XXXX of XXXX and I have proof of the closure provided to me by XXXX. 

This inaccurate reporting is in violation of my consumer rights, as outlined by the Fair Credit Reporting Act ( FCRA ) and other relevant laws and codes. Under the FCRA, consumers have the right to dispute any inaccurate information on their credit reports and have it corrected in a timely manner. 

Specifically, the FCRA states that credit reporting agencies must provide accurate and complete information to creditors and other entities that use credit reports to make decisions about consumers. This includes ensuring that all reported information is up-to-date and reflective of the consumer 's current credit status.

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 2023-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Dear Management Center, Due to bad service and requesting you remove the initial $ XXXX and all other fees since to be removed as promised due to ACH outage from XXXX. There is a formal request for the account to be " Closed " by my request today! The most unprofessional service I had this week with the client service support number. I've never had so much trouble trying to accomplish simple tasks with customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: GA
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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