BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-27
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a bill that was not in my name or my physical home address that I had owed money to the XXXX XXXX   XXXX. I contacted the company and informed them the address that they had on file was not mine, the first name was miss spelled and I was not going to pay for something that I never opened up. The company stated that the debt or the credit card had been open since XX/XX/XXXX. The address that it belongs to is my neighbor and who is charging from my social security # somehow they got my mail with my social security My neighbor who I thought was my friend passed away early in XX/XX/XXXX her name was XXXX but her husband XXXX is still alive. I told the company I never open up this account and I didnt understand why it was put in my mailbox, its not my address it probably was my neighbor who put it in my mailbox They sent it to a debt collector. I contacted the debt collector spoke to XXXX and mention that this is not my debt XXXX told me I have to go to the police station to file a report. I wish I could do so in XX/XX/XXXX I was hit by a car. I had been in the hospital for many months not knowing if I was going to XXXX or XXXX. From the accident my life has not been the same. I can XXXX XXXX, I have to use a XXXX  or a XXXX. I can XXXX XXXX, Im on XXXX. My XXXX  XXXX  has XXXX XXXX every where. I should have died when I was hit. I am constantly at doctors appointments. I have every single health issue under the sun. I wish it were so easy for me to just go to the police station and file the report. I had called the station and ask them if they could come to the house because its very hard for me to get around. And they will not do so. 
And in XX/XX/XXXX when I received this bill it was {$58.00} now they jacked it up all the way to {$290.00} I told the company I was not going to pay for something that Im not responsible for and they were on my side but yet they still sent it to a debt collector. I guess they have no consent if you have identity theft or not they dont care they just want their money. 
I looked at my credit report and I saw that it was put on there and I even wrote a letter to the credit report agency that it was not my debt but its still on there.

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 2021-11-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by AMERICAN EXPRESS . I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act by AMERICAN EXPRESS on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by AMERICAN EXPRESS took adverse action against me, denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. AMERICAN EXPRESS are now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A XXXX XXXX ACCOUNT # XXXX Is still reporting against me with the full balance on my credit report after they've sent me a 1099 to count it as income on my taxes. I've paid the debt with the Irs and they've collected their losses.I have tried to contact XXXX XXXX on many times and was ignored. I've disputed the account with the bureaus and sent proof and was ignored. They only sent back letters that said we received a suspicious request or verified. If someone was actually doing their job This account would've been removed.

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 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/22 I reported ID theft. Capitol One closed my then current account, and sent me a new card BUT they would not allow access until I provided authentication of ID, which I supplied 3 TIMES -- via 1 ) cell phone photos, 2 ) FAX, and 3 ) printed, mailed copies of : REAL ID, utility bill, and SS card. Every time they have refused to acknowledge validity/authentication, repeatedly insisting on a CLEAR picture on the REAL ID MA state license, but the photos is a little blurry, AS ALL DRIVERS LICENSE PHOTOS are. Also they are having issues with the copy of utility bill I sent- and they are still requesting THE SAME information A 4TH TIME. I CAN '' T MAKE A DIFFERENT PHOTO ON MY ID. 
I NEED TO ORDER MEDICATIONS AND SUPPLEMENTS FOR MEDICAL CONDITION. 
I NEED TO PAY BILLS VIA CREDIT CARD. This is all via phone, they have not sent any documents informing me of any of this, which seems suspicious, and I am wondering if there is a scam operation within or acting as Capitol One. They are informing me there are fraudulent charges on my account but they are denying me that information BUT I have not been able to access my account since XX/XX/22 and have not been able to make any charges. CO is treating me like a criminal and continuing to harass me when I request access to my account which is in good standing. They are refusing to acknowledge the payment I sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: Experian Information Solutions 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 sent a letter via certified mail to Experian on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. XXXX  tracking number XXXX XXXX tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX  XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.

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 2022-12-23
Company: Nelnet, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC. This loan was originally Disbursed in XXXX via GREAT LAKES. The account was sold and transferred to the XXXX XXXX XXXX ( myeddebt.Ed.gov ) in XXXX. There are a total of 3 entries on my credit report in reference to this loan. The only years I was in school was XXXX. Files are attached. 
1 ) DP OF EDUC, XXXX, Dates : XX/XX/XXXX XX/XX/XXXX, {$3500.00XXXX XXXX XXXX  ) US DEPT OF EDXXXX, XXXX, Date XXXX XX/XX/XXXX XX/XX/XXXX, {$3500.00} XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX, Dates : XX/XX/XXXX XX/XX/XXXX, {$3500.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: TN
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 am submitting this complaint because Dept of Education transferred my loan ( XXXX ) to XXXX and once this happened several inaccuracies were reported on my consumer report such as late payments and inaccurate amounts. 15 USC 1681 ( a ) -Congressional findings and statement of purpose states that the banking system is dependent upon fair and accurate credit reporting. I have tried to resolve this matter with the company and also the credit agencies but neither of these companies complied or investigated this matter. The CFPB released a report stating that Millions of student loan debt borrowers had their debt transferred resulting in errors for 'hundreds of thousands of accounts '. The CFPB stated that companies are engaging in potentially bad behavior regards to these types of transfers. I feel I was treated unfairly because my dispute was never handled and this is effecting my consumer report and has caused me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE DISPUTE ITEM AND HAVE IT DELETE OFF MY CREDIT FILE. 

PLEASE UPDATE MY ADDRESS INFORMATION IN YOUR DATA BASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 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 2021-11-15
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:
I do not consent to e-oscar verification. I am writing today because I have tried to contacted the agencies that " assumed '' a vital role in accurately reporting consumer information multiple times over the last sixty days and have received no response. XXXX XXXX XXXX is in violation of 15 usc 1692g as they have failed to validate the account they and EXPERIAN, XXXX and XXXX are reporting while defaming my character. FDCPA 807 misleading false reporting. Reporting these false things is very misleading.18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. FDCPA 8012 furnishing deceptive forms : you furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also you reported that I owe a debt, but nowhere on my credit report do I see a negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By telling me I owe a debt, but reporting positive balance to my credit report is very deceptive.

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: Experian Information Solutions Inc.
State: TN
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 am submitting this complaint because Dept of Education transferred my loan ( XXXX ) to XXXX and once this happened several inaccuracies were reported on my consumer report such as late payments and inaccurate amounts. 15 USC 1681 ( a ) -Congressional findings and statement of purpose states that the banking system is dependent upon fair and accurate credit reporting. I have tried to resolve this matter with the company and also the credit agencies but neither of these companies complied or investigated this matter. The CFPB released a report stating that Millions of student loan debt borrowers had their debt transferred resulting in errors for 'hundreds of thousands of accounts '. The CFPB stated that companies are engaging in potentially bad behavior regards to these types of transfers. I feel I was treated unfairly because my dispute was never handled and this is effecting my consumer report and has caused me to be denied credit.

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 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2017, I had identity theft reported to me by both opm.gov and XXXX credit monitoring services.  Since then, I have ordered freezes on all credit bureaus, sold both homes because of the ID theft, closed many accounts, and changed my address to a PO box. All accounts currently use the new address and can confirm old addresses.

I have had problems with the last few weeks accessing information on XXXX XXXX, as well as various accounts that provide me with free monitoring services.

I would like your help getting my free yearly credit report from all three bureaus as mandated by law.  

I prefer giving no information to the three credit bureaus, as XXXX has compromised my identity, I have evidence, and will be pursuing that at a later date.  Every bureau has dumpster dove to gather information without my permission or consent, and I do not want to provide them any new information for them to compromise or get hacked.

Please help me obtain my three free credit reports mandated by federal law by either US Post office, or online access.  I prefer you using my state attorney general, local law enforcement, FBI, or some other agency that could protect my identity should further information be required.  My social security number has stayed the same, and my mailing address is updated on every active account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023, my credit score dropped by XXXX points with Equifax because I used a credit card. I charged {$3800.00} on the card, which gave me a temporary utilization rate of 85 %. Before the credit card company reported my balance to Equifax again, I paid the card down to {$87.00} ( and now it is at XXXX dollars owed ). I now have a credit utilization on that card of less than 10 %. Instead of raising my credit score, Equifax took another XXXX points away from my score. 

I used a card and lost XXXX points on my credit score I paid off the card in less than one month and lost another XXXX points. 

This is unfair and makes no sense. At the same time that this is happening to my credit score, the authorized users on this same account gained roughly XXXX points each. 

I have spoken to 2 people at Equifax. One was a regular representative by the name of " XXXX '' and the other was a supervisor by the name of " XXXX ''. Both representatives said they had " no idea on why my score would be hit so hard when I have done everything right ''. I have no late payments, and no judgements or other things that would cause such a steep decline to my score. 

I believe the way that Equifax has handled my dispute with them is unfair because everything we do and everything we pay for is affected by this score. It can increase car insurance payments, raise deposits on utilities, and even effect employment. Of the " big 3 '' credit bureaus, only Equifax is handling my score in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/2019 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 2023-03-17
Company: EQUIFAX, INC.
State: NJ
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 XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
Disputed 'late payment ' reported to credit bureaus by Kohls Credit . Kohls Credit removed the 'late payment ' entries for XXXX and XXXX XXXX However, they refuse to remove the incorrect information from XXXX. I have attempted twice to get this resolved through Kohls Credit providing documentation and copies of my credit reports from XXXX and XXXX showing Kohls Credit 's corrections. Their only response was a denial in a standard form letter and they refuse to answer a pointed question put to them : 'Why did they remove the incorrect entries from only two out of the three credit bureaus and not all of them? '

Company response to consumer: Closed with explanation