BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX **** Balance Owed : {$350000.00} XXXX XXXX  **** Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$190000.00} XXXX XXXX XXXX XXXX Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX  XXXX Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had recently tried to purchase a car and get pre-approved by XXXX XXXX. I discovered that I was unable to get approved due to derogatory and unauthorized charges on my account. I have multiple hard inquiries on my account that I wasnt aware of which has impacted me alot. I Have two closed accounts that were fraudulently opened and unauthorized by me. The first account was a credit card by Chase bank with the amount of {$3000.00} which was opened on XX/XX/XXXX. The second account was by XXXX XXXX of the amount of {$950.00} which was opened on XX/XX/XXXX. I have tried to contact these companies but was unsuccessful in trying to resolve this issue. These accounts that were opened have damaged me and will continue to damage me. I shouldnt be penalized for fraudulent accounts that were not authorized by me. Additionally, according to the Fair Credit Reporting Act 15 USC 1681 Law there shouldnt be anything that could damage my report. It is illegal. This is a defamation to my character and will continue to impact me on everything I do in life. I am a young XXXX XXXX that is trying to get a house, car, loans, and many more and with these damages to my account it will impact me drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XX/XX/XXXX {$18000.00} REPORTING LATE PAYMENT 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 explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
XXXX XXXX  XXXX 15 USC 1681 B SEC 604 Permissible purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal jury. 
2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone XXXX please understand that i know a list of transactions is not a form of validation to be able to report my information or share it with any third parties please cease these actions. 

Small claims court and consumer law attorneys have told me i am eligible to make a small claim requesting payment for defamation if these keeps happening after i disputed it which ive done already. 

Your company is not authorized at all to share my information. Im not asking you to verify anything VALIDATE AND PROVIDE ME PROOF THAT YOU HAVE MY WRITTEN CONSENT TO SHARE MY NON PUBLIC INFORMATION

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 2023-08-14
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: Information belongs to someone else

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. 

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-09-29
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 the several times I've complained about being a victim of identity theft. 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. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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 by the consumer.XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2017 Balance : {$10000.00}

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 2023-05-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, {$500.00} REPORTING LATE IS INCORRECT ANS AGAINST LAW

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or ht

tps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.

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 2022-09-29
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet is my student loan servicer. I have recently called twice and asked to speak to a supervisor. The representative usually put me on a hold for about 10 minutes and comes back saying there is nobody available and will receive a call back. I have not received the two call back request Some of my student loans were discharged recently, however, the interest for those loans were not discharged.

Nelnelt added approximately {$28000.00} to my loans whiles in COVID 19 forbearance with zero interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX  XXXX account # XXXX XXXX  XXXX XXXX  account XXXX have violated my rights

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 2023-05-20
Company: CORELOGIC 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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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 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 2023-05-20
Company: Synovus Bank
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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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 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 2023-05-28
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:
In accordance with the fair credit reporting Act. 
The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15U.S.C 1681 section 602 A. States i have the right to privacy.

15 .U.S.C 1781 64 A section 2 : it also state consumer reporting Agency cannkt Funish a account withiut written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) section 2 States : No consumer reporting agency may make any consumer report containing any of the following items of information qnynother adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681s-2 ( a ) ( 1 ) a person shall not funish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. 
XXXX account with account # XXXX opened on XX/XX/XXXX. 
This account is incorrectly being reported as a charged off account with a balance due. 
XXXX  account with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 90 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report XXXX XX/XX/XXXX : XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX with account # XXXX. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX  with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Charge account with account # XXXX  opened on XX/XX/XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX, XXXX with account # 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 2023-04-07
Company: EQUIFAX, INC.
State: WV
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:
I have been denied credit by several companies due to Equifax repeatedly placing XXXX XXXX XXXX XXXX  acct . ending in # XXXX back on my credit report. The account was flagged for fraud by XXXX XXXX XXXX . They closed the account an issued me a new card ending in # XXXX. I have sent all the bureaus copies of the correspondence from XXXX XXXX XXXX where they acknowledge the fraud. XXXX XXXX  XXXX have even requested the information be updated in the Equifax system . Again I have repeatedly been denied credit due to this issue, which is causing catastrophic issues and increasing my debt load because I can not refinance any of my existing debt. 

I have been attempting to have this information removed since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am Writing to you to express my deep concerns over the fraudulent account on my consumer report. I was shocked to learn that I was a victim of Identity Theft, which has caused a negative impact in my credit history and on my financial wellbeing. This has been hurting me as I am in the process of purchasing a home for me and my family. I am Emotionally distressed and need the fraudulent account to be remove within four days of receipt. 
Name and Account # 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 2023-05-28
Company: Experian Information Solutions Inc.
State: IA
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, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF ED XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-04-08
Company: EQUIFAX, 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:
to Whom it may concern, In accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXAccount # XXXX has violated my rights. 

In accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: SLM CORPORATION
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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately SALLIE MAE XX/XX/ Balance : {$36000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX : {$40000.00}

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