BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2019-04-11
Company: Experian Information Solutions Inc.
State: AL
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 noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the Experian, XXXX  and XXXX to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as XXXX, XXXX XXXX or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy  court replied they did not verify anything.

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 2017-01-26
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I have received a letter from the XXXX XXXX XXXX XXXX. They have sent this letter for a company named LVNV funding concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form XXXX XXXX XXXX XXXX. With that being the case any statutes of limitation has run it 's course. 
LVNV Funding has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. LVNV Funding is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, XXXX XXXX XXXX XXXX does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. 
This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. These fraudulent inquiries still remain despite my submission of supporting documents. The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2021-08-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Our complain is about PayPal. Our money has been on hold bu 180 Days and now it is time to get out money however, we see on our account that, PayPal has taken our balance and transferred to their system by indicating that we caused them a damage as per their Acceptable Use Policy Violation. 
However, this policy includes seeling the prohibted items : including, gambling, drugs, smokes, or other illegal items however we are a gadget store and we sell phone cases, and some car holders along with other electronic accessories. We can prove that by showing each single transaction on paypal which shows the name of items as well. 
We strongly believe that, PayPal has made a big mistake and have taken our money from our account at the time of release date. 
We urgently need this problem to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Experian on XX/XX/XXXX because they were reporting a negative XXXX account # XXXX on my credit. The account came back verified. So I reached out to XXXX and they did not validate the account according to the laws. So how was Experian able to validate the debt. XXXX sent me an account summary which is not proper validation. I submitted it to Experian on XX/XX/XXXX and requested they remove the account again. They did not.

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 2018-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!

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 2022-10-28
Company: Experian Information Solutions Inc.
State: AZ
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: AZ
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 2018-05-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I purchased a 7 day trial for {$1.00}, and it was advertised that you could cancel during the 7 days and there would be no additional costs. The number I was given to cancel was XXXX, which is also the number that was listed on Experian 's web site and also on my bank statement from XXXX XXXX. When I called the number, the automated service asked for my social security number and zip code, which I provided, and the response was that my account was a FREE ACCOUNT and there was nothing to cancel and it then hung up. It would not give me the option to speak to someone. After calling this number 4 times over 3 months, I assumed it was correct and did not review my bank statement again until a automated withdrawal caused an overdraft, and after checking my account detail, it was again Experian deducting another fee. I went to the bank and put in a protest of the fee, and also closed my account and created a new one. The bank gave me 3 additional numbers to call at Experian. Two of them also had the same recording that my account was free. The third one, XXXX provided a human to talk to, and she apologized and refunded the last withdrawal, but would not refund the overdraft nor the previous 7 withdrawals. I then told her to inform her management that I was reporting them for fraud, as they provided a number to cancel which informed me, the consumer of false information, and would not allow me to cancel.

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 monetary relief
Consumer complaint received 2023-04-26
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called multiple times to get my un-official transcript today XX/XX/2023 the last day I finally got through to the correct department and they told me I owe XXXX dollars in tution and will not release my unofficial transcripts .. however I was told that is not true so they are giving me a hard time and idk what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT NUMBERS LISTED ABOVE HAVE 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: IL
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
These debt does not belong to me. Ive tried to dispute twice i would like further input on these accounts. Its on all three credit reports. 

1 ). Account number XXXX Balance Amount {$570.00} 2 ). Account number XXXX Amount {$310.00} 3 ) .account number XXXX {$230.00} 4 ). Account Number XXXX {$280.00} XXXX ) .account number XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made a prior authorization with this company in the past on XX/XX/2019 and that was all agreed to take from my card {$500.00} now fast forward and on XX/XX/2019 they illegally took {$4600.00} without my consents. Someone forged my signature and I tried disputing the charges and my bank ( Santander ) and they keep giving me a XXXX  XXXX excuse to my denials to contact the business but they are in XXXX Fl ( XXXX XXXX place ) and no one is returning my calls or responding to my voicemails. I have been calling everyday and I get hung up on or sent to voicemail or left on hold for hours. My bank wont help me or fight for me and this is too much money to loose. I have the signature from my 1st transaction I did authorize for {$500.00} ; then 7 weeks later they charged me and forged my signature the XXXX handwriting doesn't even match. I was robbed and need my bank to get my money back.

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 2021-04-21
Company: Elevate Recoveries, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Elevate Recoveries LLC XXXX XXXX XXXX XXXX. 
XXXX TX. XXXX Placed a fraudulent medical collection debt on my XXXX Credit Report. I have never been notified by the accuser that I am obligated to render service to any debt as is required by Federal Law. If I had been, I would have promptly disputed the debt as is my legal right and demanded full " Validation '' of the debt in question. Attention not to confuse legal " Validation '' with mere " Verification '' under the law as the demand of the former outweighs the latter. This alleged debt was never bought to my attention because it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The are giving false advertising cash app they say do direct deposit and get check XXXX days early and when you don't see it XXXX days early they send messages saying it could take up to XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX I registered and enrolled in a XXXX XXXX XXXX program at XXXX XXXX. I was not a high school graduate nor did i have a G.E.D. I was very excited because at the time that was not a requirement or barrier in enrolling for the program. All they required is that I take some sort of test to prove that I was at required reading and writing levels to attend. I passed the test with no problem. I was so excited being a young single mom with an opportunity to start a career path. My student loans were approved. I started school but unfortunately had to drop out after a few months because I could n't find child care for my daughter. And could n't afford to pay any fines or payments back on my loans because I was not working and on public assistance receiving Cash Aid and receiving food stamps to take care of my daughter. A couple years had gone by and it was time to enroll my daughter in pre-school. I thought this would be the perfect opportunity to go back to school and finish what i started a couple of years ago. So I contacted the school and had to jump through hoops to get back in but I did everything that was asked of me. Paid a {$400.00} dollar fine and got 4 letters of recommendation from people I knew. And I wrote an Letter and Essay on why I thought i deserved another chance. Once again I was given a huge hug by the Dean and she told me how proud she was of me and I started Class a week later. One evening when i had gotten home i recieved a call from the school reminding me that i needed to bring in a copy of my diploma or GED to keep on file for their records. I explained to her that must be some sort of confusion. The next day in class the Dean pulled me out of class and told me that their policy had changed and they overlooked it in my file. And that I had two months to take my G.E.D and show proof in order to continue taking the class and stay enrolled. I became so discouraged that After a week I never went back to class. And here it is 8 years later and the government is garnishing my tax refund.

Company response to consumer: Closed with explanation