BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Experian Information Solutions 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:
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-02-05
Company: CCF Intermediate Holdings LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
Car was totalled in an accident on XX/XX/2023, Company is charging an exoberant amount of interest and the car is a total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Nj, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act ). I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I am aware that section 609 requires you to have verifiable proof of my signature. As is my right, I am requesting the validity of my signature or that the items that the items listed below be removed from my profile. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$240.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE {$0.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$0.00} Additionally, I have highlighted these items on the attached copy of my uploaded statement. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter. if you fail to offer a response all disputed information must be deleted. Thank you for your Prompt Attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX   XXXX XXXX, Account # XXXX ( XXXX, Equifax, XXXX ), XXXX   XXXX, Account # XXXX ( XXXX, Equifax ), XXXX XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX XXXX XXXX, Account # XXXX ( Equifax, XXXX ),  XXXX XXXX IL, Account # XXXX { XXXX ), XXXX XXXX, Account # XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX, Account # XXXX ( Equifax, XXXX, XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: AES/PHEAA
State: OR
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:
FED LOAN SERV reports two late payments on my XXXX   and XXXX  credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: MI
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:
As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 b. I have been current so I don't want that to continue to affect my scores. 

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 2021-05-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: MI
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:
As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 b. I have been current so I don't want that to continue to affect my scores. 

XXXX Acccount # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/27 - I notified a fraudulent EFT charge for {$2000.00} on my individual checking account. I immediately contacted my bank ( Simple ) and informed them of the issue. 

While Simple credited the {$2000.00} back to our account on XXXX, we have been unable to access any funds held within both my individual and my shared checking account ( essentially a month of pay we were unable to switch our direct deposit prior to the holiday ). I have contacted the bank several times, and theyve said they are unable to allow any access to those funds, since the accounts are blocked. I was never informed that this would be the case when we first instated the blocks, and I had been able to activate temporary lifts of those blocks when our account numbers were previously stolen at the same bank. 

Our shared checking account numbers were previously stolen in XXXX, and the bank did not recommend closing down all our linked accounts at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a bankruptcy showing up on my credit report that is not mine. Equifax continues to say they have verified this information with XXXX but XXXX has already removed this bankruptcy from my file yet Equifax keeps saying they've confirmed it with XXXX. I've included the Letter showing XXXX has already removed it and this shows Equifax is not checking or doing their job to verify this. This Bankruptcy needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, there was a debt collection account that popped-up on my XXXX credit report. It says the collection date was opened on XX/XX/XXXX from a company named Credence Resource Management in the amount of {$490.00} from XXXX XXXX. I have absolutely no knowledge of this debt and have not lived in an area that supplies XXXX XXXX in 4 years. Let alone had any service that I can knowingly remember since XXXX. At the conclusion of my service agreement, I closed my account and returned all equipment. I have not heard anything or received any communication in regards to any remaining balances or debts owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-07
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX on total XXXX and have been this way since 1990 unable to work. XXXX XXXX said that I would not have to repay the XXXX loan for my daughters education. They lied about removing this from my credit report and I just want this to go away once and for all. My health has gotten worse since my daughter has attended that school ( they are out of business!!! scamming folks out of the careers they promised ). I wished my daughter never went there to better herself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Information belongs to someone else

Complaint:
I have been in XXXX for the past XXXX XXXX  going to XXXX and just got back early this week. I received multiple calls and letters of accounts that did not belong to me. I reached out to all banks and notified them that they do not belong to me. I have already filed a police report and sent all documents required via US mail to the credit bureaus. Please help me resolve all these accounts that do not belong to me and clear my name of these accounts. 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 2021-12-10
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:
There is an inquiry from XXXX on my credit report. 

XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2021 I filed with the ftc, notified the bank and Experian, no one has helped fix this.

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 2020-09-23
Company: Navient Solutions, LLC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I am receiving harassing phone calls from Navient Solutions LLC, again, and again after reporting them, and they had agreed to take my number off their contact list. From a prior dispute that I filed here. 

Complaint # XXXX On XXXX I got a call from 2 of their agents one (  XXXX XXXX ) and Two ( XXXX XXXX ), about a student loan. When I told them that I do not know what there talking about and that I do not do business with their company and that I do not have any student loans with them they refused to let me speak to their supervisor they refused corporate and was very rude and refused to take my number off their calling list. 

I do not do business with them, I do not have any delinquent student loans, I never had any student loans, I am not delinquent on any student loans. 

They call from number XXXX which is their call center number NAVIENT CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never attended o XXXX University. I went to another school.

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve 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
Consumer complaint received 2022-10-07
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 sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Midland Credit Management dated XX/XX/2021 that demands I pay {$7700.00}, but this debt is NOT mine. I am a victim of identity theft and have successfully disputed this debt and had it removed years ago from both credit bureaus.. 

Midland Credit Management 's letter says to pay it in full by XX/XX/2021 or I'm being sued by an attorney. 

I want them to stop harassing me for a debt that is NOT mine, that I dispute, and continue to dispute, and further that is the result of identity theft and has been already disputed many times before now. 

Further, per Midland 's own policies, because I am receiving ONLY SSD I am not subject to their collections because that's my only source of income. 

This debt is NOT mine. I want them to stop harassing and threatening me to collect a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent dispute letter to Experian on XX/XX/2019 disputing several accounts found on my credit profile that I did not own. This dispute was received by Experian on XX/XX/2019. In return Experian sent dispute results on XX/XX/2019. Validating all of the debt. I sent a method of verification letter in occordance to FCRA 611 ( a ) ( 7 ) to Experian on XX/XX/2019. Experian received this notice on XX/XX/2019. Experian sent a letter stating that I needed to do my own method of verification. However being that this company validated debt on my credit profile that did not belong to me, they are the ones who are responsible for furnishing information on how they were able to validate said debt.

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