BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Nelnet, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent letters to dept of telnet asking them to send proof with my signature for over 5 years just recently I sent them a police report and the company still fail to remove this student loan off my report I have also sent them my id .I have sent out over XXXX letters asking them to send me original signuature they have fail to do so .dept of nelnet I have reach out to them on numerous occasion over the phone they stated it will be removed.and yet it is not this is very frustrating just want this off immeadtly.i have also spoke with a young lady by the name of XXXX if that was her real name she stated to me that the company XXXX was being sued for fraud years ago and that I wasn't the only one going through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt concerns a 30 day trial of XXXXXXXX XXXX XXXX XXXX. As per their trial policy, if the account is cancelled and the device is returned within 30 days, the use for the first 30 days is free. I canceled the service and returned the device within the 30 day window. XXXX acknowledged this on two phone calls ( see dates below ) Nonetheless, XXXX has ( 1 ) charged me {$60.00} and ( 2 ) referred this non-existent debt to a debt collection agency ( XXXX XXXX. 

The relevant dates are below : XXXX - Order placed for the XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX Device delivered to XXXX XXXX - Cancelled service via XXXX 's chat feature. XXXX told me to drop it off at a XXXX store ; they would not provide a return XXXX number. 
XXXX - XXXX Device was delivered, by hand, to XXXX store in XXXX, Montana. 
XXXX - I called customer service because I received a {$60.00} bill, despite having cancelled service and returned the device within the 30 day window. XXXX stated that they did receive the device in XXXX on XXXX, and it was received in the " warehouse '' on XXXX. XXXX stated that they would fix the bill and zero out the account. 
XXXX - XXXX confirmed again that I cancelled and returned the device within the 30 day window. They could not explain why the charge remained. XXXX opened an " investigation '' ( confirmation XXXX ; Order ID XXXX ) that they said would resolve the issue within 5-7 days. 
XXXX - I receive an email from MRS ( mrsbpo.com stating that XXXX gave them my " bill '' ( again, that XXXX twice stated should have been remedied and zeroed out ) for collection. Same day I called XXXX and was told there was nothing they could do because the " debt '' was in collection. 

This is a false debt collection ; there is no debt and XXXX and MRS are attempting to collect on a non-existent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX 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 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 2022-09-01
Company: EQUIFAX, INC.
State: WY
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: Other problem getting your report or credit score

Complaint:
I am unable to create a login or access my credit information with Equifax. When I try creating a login I get an error of NH. Call customer service and they have no idea what the error means. Tried different search engines as they suggested. No go. After talking to many different customer service agents, a ticket was supposedly sent to their IT department for help. Never heard from them. 

After I signed up for credit monitoring with XXXX, I contacted Equifax to unlock my credit report. They were able to verify me and supposedly unlocked report. I waited a few months to see if I could now create an account. Still unable to. 

In the last week, I have applied to be pre-qualified for a new mortgage. Mortgage company informed me that they spent 45 minutes on the phone with Equifax and they were unable to find my report and verify me. Luckily my credit is very good and they decided to use the other two. However Equifax 's inability to verify my credit report has cost me working with two other companies. It's as if I no longer exist and needs to be fixed. 

Prior to Equifax 's breach, I was able to log in whenever I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
XX/XX/XXXX Filed a dispute against XXXX bank on my XXXX credit report I have no knowledge of this they keep saying it is proven dont give me how reasons why XX/XX/XXXX Filed a dispute with XXXX XXXX XXXX XXXX showing up on my credit report I have no knowledge of this I say it was proven that its mine and gives me no reason why but I have no idea what this says they will not remove it XX/XX/XXXX XXXX once again will not remove XXXX off my credit report I do not know who they are it is not mine or knowledge they will not remove it they keep telling me that they they found that it is mine but no other information XX/XX/XXXX Filed dispute with XXXX About XXXX XXXX XXXX my account is paid off but there was a repo on there that I have no idea about the car was never re-Poed I actually paid the car off they will not fix it or remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NC
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:
I just checked my credit record, and I regrettably discovered that a fraudulent requests had been reported. You are submitting information that is not your own. I'm writing to make sure my credit file always contains the most up-to-date information. Within the next 15 days, kindly remove the unlawful credit query from my file. 
XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
This troubles me as much as it troubles the Credit Bureaus regarding the th fraudulent items reporting on my Credit Report. My Legal counsel is urging me to file a legal case to set as an example for other consumers suffering the same problem as I was. The Credit Bureuas have done nothing to correct my Credit File and continued reporting the disputed items without providing me copies of documents as proofs of verification. This action is a clear violation of a consumer 's rights and is punishable by law. Under the FCRA section 605b, The Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting from the theft of my identity. Although I do not want to bring this matters to court, my lawyers wanted me to file a case and show that the Credit Bureaus are not immune to legal trials. I am sbumtting this CFPB complaint to request that the Credit Bureaus remove the fisputed fraudulent items before I am forced to take legal countermeasures. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Original XXXX : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2017-04-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
On   XXXX   XXXX   XXXX     I made a payment to Synchrony Bank on  my HH Gregg credi t card for  XXXX . This was to include my   XXXX   payment, late fee and payment for   XXXX  . On   XXXX   XXXX  , it was explained to me that my  XXXX  payment was now late because I paid it too early in  XXXX  ; I was told I should have waited until after the  XXXX  to make this payment. Now I am being charged a late fee for   XXXX  . As a consumer I have never been given an explanation as to how early I can make a payment for the next month. Now I have to pay a late fee on a payment I thought was already made. I do not feel this is fair to me as a consumer.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need assistance in requiring the credit reporting agencies XXXX, Transunion, and XXXX to stop ignoring my oral and written instructions to correct errors on my consumer report. I have mailed XXXX notices by mail with instructions and called twice on XX/XX/2022 and XX/XX/2022. I should have a lock on all XXXX reports and yet there are over 25 hard inquires for XX/XX/2022. There are accounts listed that are not mine and I require the CRAs to remove them. There are addresses not personal to me that I require the CRAs to remove. There are many unauthorized hard inquiries not once authorized that I require to be removed. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the information listed in the section below be corrected, updated, and deleted permanently. I have not given my written consent allowing them to provide or furnish any of the information in question. But I have given them oral and written instructions to correct the invalid information and accounts. They are not following my instructions and this is a violation towards me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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:
This troubles me as much as it troubles the Credit Bureaus regarding the th fraudulent items reporting on my Credit Report. My Legal counsel is urging me to file a legal case to set as an example for other consumers suffering the same problem as I was. The Credit Bureuas have done nothing to correct my Credit File and continued reporting the disputed items without providing me copies of documents as proofs of verification. This action is a clear violation of a consumer 's rights and is punishable by law. Under the FCRA section 605b, The Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting from the theft of my identity. Although I do not want to bring this matters to court, my lawyers wanted me to file a case and show that the Credit Bureaus are not immune to legal trials. I am sbumtting this CFPB complaint to request that the Credit Bureaus remove the fisputed fraudulent items before I am forced to take legal countermeasures. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Original XXXX : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$640.00} -Late/Open Late Dates XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: CT
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 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 2017-08-28
Company: First National Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
first national collection bureau sent me a letter on behalf of XXXX XXXX XXXX original creditor is XXXX XXXX ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to heart me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on XXXX. this is the 4th letter I have received from them in four years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Showing open accounts on credit file after unauthorized use of information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: CT
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 reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX : XXXX NO VALID CREDITOR : XXXX XXXX XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX   : XXXX Inquiries : XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX   : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This troubles me as much as it troubles the Credit Bureaus regarding the th fraudulent items reporting on my Credit Report. My Legal counsel is urging me to file a legal case to set as an example for other consumers suffering the same problem as I was. The Credit Bureuas have done nothing to correct my Credit File and continued reporting the disputed items without providing me copies of documents as proofs of verification. This action is a clear violation of a consumer 's rights and is punishable by law. Under the FCRA section 605b, The Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting from the theft of my identity. Although I do not want to bring this matters to court, my lawyers wanted me to file a case and show that the Credit Bureaus are not immune to legal trials. I am sbumtting this CFPB complaint to request that the Credit Bureaus remove the fisputed fraudulent items before I am forced to take legal countermeasures. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Original XXXX : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$290.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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