BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: NY
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 saw copy of my credit report and there were accounts which is not mine. 
I believe that. I was victim of identity theft, I am requesting that the items be blocked to correct my credit report. Enclosed are copies of identity theft and proofs of my identity supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

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 2017-10-24
Company: Experian Information Solutions Inc.
State: OH
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:
After reviewing my credit file I noticed some inaccurate data reporting. I reached out to all three credit BUREAS to request validation of the debt with XXXX XXXX, under the FDCPA and FCRA sec 609. One of the bureaus removed the item and the other two have continuously reported the data without proving any verifiable proof other that the Creditor verified the data. I also sent proof of the deletion results from XXXX  showing the investigation was done and the information was incorrect, incomplete or unverifiable. The Credit BUREUS are  required to notify all other credit reporting agencies of their results.

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 2023-04-12
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:
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 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. XXXX XXXX XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$180.00}, XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$730.00}, XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, anXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}. Also these inquiries : 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  XX/XX/XXXX, and XXXX 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 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had credit card cancelation dept with XXXX XXXXXXXX XXXX and I had recive 1099 c form and reported to my tax return as year XXXX in XX/XX/XXXX and till this day haven't being removed from my all cridet card beuro and I had being submitted more than requested to Transunion, XXXX to being investigated and remove from my record having being romvoed till this day and still effected my credit score and I can't apply for buying home.

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 2017-09-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX, Equifax received a dispute letter with several accounts I have found to be invalid ( XXXX - attached letter and CMRR - XXXX XXXX XXXX. It 's now over 40 days and I have not even received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent letters to each bureau and still no response. I have fought and served my country I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to emotional stress you have caused me. I have a veteran who suffers from XXXX and this is only adding to my stress level of the inaccurate, unverfied accounts being negatively reported. It is not my fault that my information impacted by the XXXX data breach and now I having to fight to prove whats right and whats wrong and these bureaus are not on the same page as far as accuracy because each one says something different so how can that be accurate???

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 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-10-02
Company: Nelnet, Inc.
State: IL
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 have tried to set up auto pay twice so I can receive the 25 % discount w/o success ; I have receipts showing that I attempted to set up auto pay and auto pay has yest to be set up! 
there was a previous complaint against nelnet and nelnet has not replied! they are completly failing to respond... 
this is the previous unanswered complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a letter to Santander Consumer USA to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Santander Consumer USA to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX  as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: SRA Associates, Inc.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I got a letter from SRA Associates telling me that I owe a balance with XXXX XXXX. I was very confused because this car was totaled out due to an accident and the loan had gap insurance. 
I reached out to SRA Associates, to see if they could prove me information on the account but they couldn't. All I was told by XXXX XXXX that he wanted XXXX a month for the payment plan and if I didn't agree to that then they were going to garnish my account on Thursday of this week. I can't afford that, I'm on social security and XXXX. XXXX XXXX was cruel and very mean. I hung upon him. I called my daughter and asked her to find out what was going on with this debt. She tried to contact them and got XXXX XXXX and he told her that she had to pay XXXX per month for the payment plan or they were going to just start garnishing her too. 

I just got the notification, how did I get sue on this account. The abuse I'm getting from this collector is ridiculous, over a XXXX debt, that I was told by the insurance company was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not consent, authorize nor benefit form any of the filling inquiries, block and remove them immediately pursuant to FCRA 15 usc 1681c-2 XXXX XXXX XXXX  XX/XX/2022 and XXXX XXXX, 2022 A collection from XXXX  XXXX reporting on my consumer report around XXXX XXXX, 2022 in the amount of {$180.00} is in violation if the FDCPA I have not entered into a contractual agreement with this company and there was never an initial communication between us. XXXX XXXX obtained and furnished my personal information without my consent which constitutes identity theft and a violation of my individual privacy rights as consumer pursuant to 15 USC 1692. The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( A ) ( 2 ). Therefor needs to be removed 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 2019-07-24
Company: Morgan & Associates, P.C.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from Morgan & Associates Attorney at Law  with a date stamp of XXXX XXXX, XXXX In this letter it states this is an attempt to collect a debt with a balance of {$4500.00} and has a signature as if there was a lawyer, and attached was a full Detailed breakdown of the services that was rendered to me on XXXX. 

XX/XX/ I responded with a certified HIPPA violation letter to that facility stating they didn't provide a HIPPA release form to their facility and with the information they provided violated my HIPPA rights. Shortly after the account was deleted off my credit report and heard nothing else from Morgan & Associates Attorney at Law. 

I received a letter from XXXX stating as of XXXX the account was assigned to them for collection. Morgan & Associates already violated my HIPPA Law rights and turned around and release this debt to another collection agency for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 acXXXX XXXX account XXXX XXXX XXXX # 1982, account XXXX XXXXXXXX # XXXX, account XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-02
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been on hold with Nelnet for over 3 hours now, simply trying to ensure that my loans get consolidated into one so I dont have multiple charges from my bank account next week. This is the second time Ive called them and last time I was also on hold for over 2 and a half hours before I eventually had to just hang up. I do not have enough time in my day to stay on hold for hours, staying alert to make sure I dont miss an operator finally answering. There isnt a call back option either, and I cant get this done on the website as it says I have to call for this. Im not sure what else I can do but Im still on hold and its approaching the end of business hours, so Im concerned Ill have to do this all over again tomorrow with no guarantee of an actual human answering the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, I changed my wireless phone service provider due to the dispute on my bill which was $ XXXX for one month. My average monthly bill was between {$140.00} to {$170.00}. I cant get an answer so I switched an account to XXXX. XXXX XXXX XXXX charged my Bank of America credit card that was never been authorized. Bank of America provided my credit card account # to XXXX XXXX XXXX because I didnt have enough money in my debit card to pay off the disputed bill. Bank of America revealed my personal information to XXXX XXXX XXXX to make unauthorized charges. 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 explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: PA
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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX   - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'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 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 2021-02-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am repeatedly receiving phone calls that are not going to an actual agent. The calls are silent. 

The calls are daily and several times. There's no one on the other side, just silence. The calls have become VERY intrusive. 

I have attempted to speak with the billing department to discuss my payments. I have explained in unemployed due to COVID and need different payment arrangements. 

They refuse to take partial payments as I receive unemployment payments. I have attempted to receive assistance from someone at a branch with no success.

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 2018-02-07
Company: DISCOVER BANK
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:
My query is with the company Discover Bank.I have contacted Discover in reference to account open in my name..They also receive a copy of Identity theft report from credit bureau when I disputed this account..I have asked for proof of my signature or any viable document that represent me entering into business venue with them ... I have now nor never done business with Discover..I have not applied for credit since XX/XX/2015 ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a medical bill that out of network provider is charging me without any prior authorization, the name off the collection agency is Capio Partners  they are violating the no surprise act 2022 I need validation of debt and Hippa authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
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: Account status incorrect

Complaint:
On XX/XX/2023 at approximately XXXX I spoke with a representative from XXXX  and advised him that I had inaccurate information reporting on my credit report. There was a XXXX  card that showed closed and reporting late payments. I opened up a dispute and it was completed on XX/XX/2023 showing as updated instead of removed. 

In accordance with the fair credit reporting act XXXX, XXXX, Equifax, XXXX and XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA

Company response to consumer: Closed with explanation