BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to freeze my credit report with Equifax after learning that my Social security data has been compromised through their portal. I tried at their 90 day fraud lock website but it did n't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION, IN DISPUTE AT ALL. CORRECT IMMEDIATELY, AND EXPEDITIOUSLY!

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 2022-03-08
Company: Nelnet, 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: Account information incorrect

Complaint:
Account should show paid/ never late and closed. Instead nelnet continues to fabricate their quest to update the information however they have not does so for six accounts. CFPB consumer financial protection bureau has contacted this company requesting an immediate update, to no avail. Nelnet writes a letter stating they will make corrections but has never done so and has refused to update the credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I received a hard inquiry from Chase Bank on XX/XX/2018 and I didnt request anything from them so this must be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Cedars Business Services, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last fall, XX/XX/XXXX, I was contacted by Cedar Financial agency about a debt for the office of XXXX XXXX XXXX  for {$800.00}. This was for a debt incurred circa XX/XX/XXXX-XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. But XXXX XXXX 's office located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX claimed the debt was from XX/XX/XXXX ... they created an " new '' invoice for the old debt from XX/XX/XXXX/XX/XX/XXXX dated XX/XX/XXXX. I have not been to his office since XX/XX/XXXX. 

Per their invoice, this is for XXXX storage annual fee. However, when they tried to collect this debt from me during my bankruptcy in XX/XX/XXXX, I told them to destroy it, that I was no longer interested in the storage service. Yet, somehow, suddenly in XX/XX/XXXX, the storage has been " resumed '' even though it had not been charged, nor billed since XX/XX/XXXX. 

XXXX XXXX 's office is lying about the date of the invoice and the credit collection agency has not properly validated the debt with some proof of service with my signature ( which obviously does not exist since I haven't been there since XX/XX/XXXX ). 

Further, it states specifically on the invoice ( attached ) that per our contract, if they had not heard from me within 90 days, the contract states that the XXXX would be destroyed. I had not been to their office since XX/XX/XXXX, nor paid any bill, so per the contract, they would have had to destroy the XXXX in XX/XX/XXXX. 

I contacted Cedar Financial at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and informed them of the above. I did not hear from them again. Now, I just checked my credit as I'm about apply for a home refinance and there is a collection on it. I spoke with them on multiple occasions last fall requesting proof of service on the invoice date. They did not ( could not because it did not happen ) provide it, yet placed my account for collection anyway. 

I have disputed this with the credit bureaus, XXXX & XXXX, but have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: LoanCare, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account LOANCARE LLC XXXX with a Balance : {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.

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 2022-03-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN RECEIVED DOCUMENTS STATING THAT THEY DID NOT DO THEIR DUE DILIGENCE AND ALLOWED FOR THIS COLLECTION TO LINGER ON MY REPORT. I ENDED UP GETTING IT DELETED AND EXPERIAN UPDATED AND DELETED IT I WANT TO GET COMPENSATED BECAUSE MY CONSUMER RIGHTS WAS VIOLATED UNDER THE FCRA. I AM ENCLOSING THE INFORMATION THAT I UPLOADED BEFORE THAT NOTHING WAS DONE THEY CLAIM THAT THEY DONT SEE IT ON FILE BECAUSE IT WAS DELETED. DELETION IS ADMISSION. EXPERIAN DIDNT DO THEIR INITIAL INVESTIGATIONS. I GOT IN TOUCH WITH THE XXXX OFFICE OF CONSUMER FRAUDS AND PROTECTION. I WILL GO FURTHER IF I HAVE TO. ACCORDING TO 15 UCS 1681N. I AM ENTITLE TO COMPENSATE. I HAVE PAPER TRAIL IF THEY WANT TO TAKE THIS THING FURTHER I HAVE TIME AND PATIENCE.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitting this XXXX complaint today to follow up the previous complaint I submitted last XX/XX/XXXX regarding the removal of the fraudulenty items reporting on my Credit report. I feel like the Credit Bureaus have not yet done their best at correcting my Credit Report from any fraudulent information. I am submiting this CFPB complaint under the provisions of the FCRA section 605b that protects a consumer 's rights from any fraudulent information reporting on my Credit Report. If the Credit Bureaus claim that the disputed items are items belonging to my name, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus claims. And if the Credit Bureaus continue reporting the disputed items wihout providing me the documents I require, please understand I will seek legal action. If it is not that too much trouble, I need the following items to be removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. 



*You can also Dispute old names, remove your middle name, old address and remove your phone number completely. Ask for the dispute department Call all 3 bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: SD
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:
On X/XX/17 I learned that experian allowed my personal information to be stolen. Terrible

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 2022-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXXI received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XX/XX/XXXX and she stated that on XX/XX/XXXX, they had closed the account as disputed and had transmitted this information that same day. She gave me her number and XXXX ( XXXX XXXX XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called XXXX to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent onXX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-09-03
Company: EQUIFAX, INC.
State: MD
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 my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
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: Information belongs to someone else

Complaint:
Reviewed my credit report and seen there were accounts that does not belong to me. This is an act of fraud and the accounts on my report need to be deleted/ removed immediately. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - THE XXXX XXXX # XXXX - XXXX  XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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 acct XXXX this account was opened in XXXX this account has been closed and charged off yet continues to report every month as charge off and shows 59 potentially negative remarks in just my experian credit report. i believe this company has violated my rights as per fair credit act laws. once an account is charged off and closed it can not be reported again and again monthly to cause further damage. the term of the loan was only 50 months and i believe this is being done in a unprofessional manner. i never gave this company written permission to share my 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 explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: WA
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:
Have called XXXX, equifax, XXXX about mis information and unauthorized reporting done to my reports. I would like all collections and inquiries removed from my credit report. I have gave no consent or authorization for this information to be reported in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: IL
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 my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: IL
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation