BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the last date reported is not accurate. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) THIS IS GROUNDS FOR REMOVAL THEY ALSO violated MY RIGHTS UNDER 15 usc 1681 section 602 A states I have the right to privacy 15 USA 1681 section 604 A section 2 it also states A consumer REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 
Also the credit BUREAUS TOOK MORE THEN 30 DAYS TO COMPLETE MY INVESTIGATION.

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 2017-08-20
Company: Nelnet, Inc.
State: VT
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:
I am a borrower with subsidized and unsubsidized federal student loans. I use the platform Nelnet with the auto debit service they offer called XXXX. They make the auto debit service attractive by offering 0.25 % deduction interest if you sign up. Little do they tell you that they pay off the lower interest loans before the higher interest loans. So, in reality, it costs more for the borrower to use the auto debt service, and they put the interest of making money before their borrowers. This is very disappointing for a federal loan program. I would expect more from our government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I would like to file a claim with XXXX XXXX restaurant located in XXXX XXXX XXXX, Florida. The reason is that we came for dinner on XXXX XXXX at this Fine Dinning Restaurant ( XXXX XXXX XXXX XXXX  ) with high expectations, but surprisingly, my wifes order - Cioppino was gone bad with the shrimp extremely fishy. We reported this issue to the manager but still being charged for something we had never eaten. See attached receipt. 

Please step into the investigation and file a claim on my behalf. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/22 I was notified via email with the following message.. 

" Hi XXXX, Your company was recently submitted by XXXX XXXX XXXX as a 'XXXX XXXX XXXX ' referral to American Express XXXX Schedule an appointment with me at your convenience to discuss how American Express can help move your business forward. 

I'm looking forward to our chat. 
Thanks! 
XXXX XXXX '' I received a phone call from this person stating we " had a scheduled appointment. '' which we did not. I was told I qualified for their American Express Business Credit Card. I was excited because I had just joined the XXXX XXXX XXXX to help improve my credit score which is not good. " XXXX '' went through all the steps of the card process as if I were approved. Then transferred me to someone else that let me know they ran my credit report and I was denied. I asked for this inquiry to be removed from the credit report because I did not give anyone authority to run a credit report. I was told I would have to call the credit reporting agency because they could not take it off. 

This has further damaged my credit report from the last two credit card scammers who did this to me and lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent PRA a letter asking them to verify a debt, claimed to be owed to them, by sending me ( a ) the original contract and ( b ) a complete set of financial statements. In return, PRA sent me a financial statement for one month and did n't send the original contract. Furthermore, according to PRA 's records, the credit card account was opened in XXXX XXXX, yet PRA was only able to provide me a statement for XXXX XXXX. Thus, despite not having proof of contract or a complete set of financial statements, to show how the amount claimed to be owed was calculated, PRA is still reporting this debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
The following accounts are reporting on my credit and are incorrect and inaccurate XXXXXXXX XXXX XXXX XXXX, XXXX {$2700.00} XXXX  XXXX. XXXX, XXXX {$100.00} XXXX  XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX. XXXX, XXXX {$10000.00} XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$6000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Duvera Billing Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the date of XXXX/XXXX/XXXX I had transmission work done on my XXXX XXXX truck by XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, independently owned XXXX XXXX. My total cost of the repair was {$3700.00}, I paid {$1200.00} down, which me a balance of {$2500.00} The owner told me about this company called XXXX XXXX and if I could pay them off in 90 days I would not be charged any interest, he told me the interest was high but failed to mention it would be 152 %. I never got a written statement disclosing the finance charges, the next thing I knew they took a payment from my account without my consent. They send me an email right when they where taking my money. 
Company name is XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX I was told by my legal representative to contact you concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: KY
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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-03
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: Personal information incorrect

Complaint:
Late payments listed with incorrect info. Sent letter to be removed with updated info wasnt honored.

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 2023-02-28
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account was opened as a result of fraud. I am a victim of identity theft. 15usc1681b no permission to place on my consumer report. I am not a XXXX member so please shut this card down. I am not in the military either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NY
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2022-09-11
Company: Self Financial Inc.
State: AL
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:
I have reached out to Self company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: NC
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my XXXX XXXX XXXX and card used my XXXX XXXX information to apply for XXXX XXXX XXXX XXXX  ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. 

Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NC
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my XXXX XXXX XXXX and card used my personal identifying information to apply for XXXX XXXX XXXX XXXX ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-11
Company: EQUIFAX, INC.
State: AL
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:
FRCA VIOLATIONS NOT MINE NOT MY CREDIT CARDS XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} written off. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$190.00} Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5500.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$390.00} Status Collection account. {$390.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX OH XXXX Resident type Single family XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, AL XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY INQUIRIES XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was reached out to by XXXX XXXX, on XX/XX/2023 through a written letter. The letter said I owed {$1400.00} to the company. However, I have no affiliation with XXXX, and when I called Customer Service, the account number mentioned in the letter was not recognized by the system. 

I then received a letter by Convergent Outsourcing on XX/XX/2023. 

When I checked by credit score on XXXX there is no mention of this debt, which is why I believe this debt is fraudulent or someone has possibly stolen my identity. 

I sent a letter to XXXX and Convergent. I will also be filing a complaint with the Texas AG Office.

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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name. 

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ 1- {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.

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