BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
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: Account status incorrect

Complaint:
Hello, I am writing to inform you of the devious practices being conducted at XXXX. The three credit bureaus have collectively damaged my quality of life with inaccurate reporting on my credit report, but XXXX has causing detriment to the livelihood of my family with the current reporting on my credit report. These reportings consist of wrong addresses, duplicate inaccurate accounts and closed accounts being reported as being paid late to name a few. These reportings also have lead to me being denied credit, elevated cost due to higher interest rates and my family 's right to life, liberty and the pursuit of happiness being diminished. The business conducted with XXXX is deplorable as they have also reported these things without my knowledge or permission denying my rights to privacy and the fair debt collection act.

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 2020-03-05
Company: Experian Information Solutions Inc.
State: AZ
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined

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 2023-10-31
Company: Nelnet, Inc.
State: TX
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:
XXXX I started autopay for {$100.00}. Then without notification I was charged $ XXXX. I googled this problem and many people have experienced this since the start of the repayment process. What I have gathered is they know they have bug ( virus ) in their system and didn't even notify us the consumers to not use autopay until they figured it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX : XXXX Experian Dispute by Mail XXXX XXXX XXXX XXXX, TX XXXX XXXX : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ).

15 U.S. Code 1692c - Communication in connection with debt collection. I want all this information deleted. 

Remove inquires : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Late payments ACCOUNTS : Need removed BELOW. 

XXXX This account unauthorized remove late payments or account Remove names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 
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 2022-03-15
Company: AmeriCollect
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company called " XXXX '' keeps calling me. The just say they are trying to get more information to collect a debt. They don't actually specify what the debt is or if it is even mine. They are calling about 2-3 times a week. I have receieved no written notice of ant debts and have no knowledge of any debts I owe. When I searched the company online It looks like it may have been dispanded. And I can't find any actual information on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: GA
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:
Re : Experian Response to CFPB Complaint # - XXXX dated XX/XX/2023 To Whom It May Concern, I am writing in response to your statement dated XX/XX/2023, concerning my complaint about the inaccurate personal information on my consumer report. Your response mentioned, You are requesting these items be removed. Regarding the remaining names and addresses on your credit report, please note that we store address and name information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information report the address and name listings and they are a part of your credit history. If you believe an address or name in your credit report is inaccurate, you may want to contact the source of the information directly. 

I would like to highlight that this response is not only an act of negligent noncompliance pursuant to the Fair Credit Reporting Act ( FCRA ) section 617 but also a direct violation of 15 USC 1681i - Procedure in case of disputed accuracy.

15 USC 1681i ( a ) ( 1 ) ( A ) states that, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

Furthermore, 15 USC 1681i ( a ) ( 2 ) ( A ) mandates that if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer and the consumer provides the consumer reporting agency with notice of such a dispute, the agency must, before the end of the 5-business-day period beginning on the date on which the agency receives the notice of the dispute, notify any person who provided the disputed information of the dispute. This notification should include all relevant information regarding the dispute that the agency has received from the 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 explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I've submitted dispute letters to Experian, XXXX, XXXX  and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA

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 2022-02-06
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Assetcare is in violation of the fair debt collection practice act. I have attached a letter that shows all the violations. They also sent this letter to the wrong address and the mail lady gave it to me because she know me.All violations is listed below 1. 15 usc 1692c ( a ) communication without prior consent, expressed permission, I never gave them consent to contact me and they sending fraudulent letters without my permission.

2. 15 usc 1692A or 803 ( 6 ) clause ( f ) any creditor who in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts.The letter attached shows they are attempting to collect this alleged debt in another company name which is a violation.

3. 15 usc 1692J furnishing certain deceptive forms is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief.They sent a false letter with my personal information which is a violation.

4.15usc 1692 ( f ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law.I have no contracts nor agreements with this company, the letter attached shows assetccare says I owe this alleged debt and I dont which is a violation. 
This letter have no signature nor person name listed on the letter. This letter is false and they stole my personal information and is using my information for their personal gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$14000.00} -This is not my account.

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 2022-03-15
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: Public record information inaccurate

Complaint:
Equifax states they received this public record information from XXXX which by the way does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ). XXXX submitted a deletion letter XX/XX/XXXX to Equifax, XXXX and XXXX to delete this inaccurate public record. XXXX deleted XX/XX/XXXX and XXXX deleted it XX/XX/XXXX both have removed the tradeline but left the one account associated with it ( XXXX XXXX ). Equifax has refused to delete it. I submitted the letter XXXX mailed to me that they submitted to all XXXX bureaus. They said they would not accepted it. I called XXXX and explained the problem. XXXX stated they would submit an escalation electronically to Equifax to remove the tradeline. Equifax still has not remove it. I asked several times to received the information that the court submitted to them and the information XXXX submitted to them. I have not received any documentation at all. I have submitted the XXXX letter to remove the public record ; the deletion reports from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They posted the negative remarks on my credit report I sent two letters to Phoenix Financial Service, LLC in hope they can validate this debt they claim I owe. I will provide the letters I sent along with certified mail tracking numbers. They have yet to respond and this account is hindering me from moving forward with my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want to permanently remove my name from the list that Consumer Credit Reporting Companies, XXXX, XXXX, XXXX, and Transunion, provide to businesses that send firm ( pre-approved/ pre-screened ) offers of credit or insurance.

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 2022-03-15
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

Experian stated that XXXX XXXX and XXXX XXXX reinserted the accounts and verified that it wasn't identity theft. According to the Sec. 605B. Block of information resulting from identity theft ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-21 a consumer reporting agency 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION if the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-02-06
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I applied for a credit card with PENFED. I received a letter from the company stating that I was denied an extension of my credit for reasons listed in the attached letter. According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.

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