BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
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:
Recently I established a credit report account with XXXX to see my current credit score and was surprised with countless fraudulent and false accounts that weren't done with my consent. I sought legal counsel to further educate myself on such crimes because it is the first time I experienced such fraudulent activity. In my country there is no such crime due to the lack of resources so apparently I would like to see these accounts removed from my credit report because they weren't my doings. I am extremely shocked and embarrassed to learn that people can be victims to such fraud without having any physical proof of identity to attain such accounts without legal consent. Please again remove these false items from my credit report as soon as possible. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions 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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Consumer Portfolio Services, Inc.
State: VA
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020 and XX/XX/2020, CONSUMER PORTFOLIO SERVI add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: Was not notified of investigation status or results

Complaint:
There are late payments in my account that were not updated. For almost a year now, i have been writing to the bureaus about this but i never received any reaction,

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 2022-03-18
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:
There are late payments in my account that were not updated. For almost a year now, i have been writing to the bureaus about this but i never received any reaction,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a XXXX citizen retired in Florida who has had a XXXX score of over XXXX for many years. 
I learned via my XXXX card that my XXXX score was XXXX, a dramatic drop of over XXXX points from my XXXX score of XXXX! 
Since I use automatic payments to pay my bills, I explained to the XXXX staff that the only relevant item I could think of was the recent increase in its credit line. While I appreciated that confidence in my financial strength, I did not request such increase since I pay my credit cards in full each month.. 
It is not clear to me what data was used to cause this dramatic XXXX decrease ; that is why I decided to write to your agency for your assistance in determining the facts. 
Let me conclude with noting that if anything, I would believe my score should have gone up since XXXX given the sharp increase in the stock market. 
I thank you in advance for your help in answering my question as to the manner in which my XXXX score was determined.

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 2016-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax reports incorrectly that this account was late XXXX times at 30 days. Equifax fails to report accurate positive payment history but rather NR. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2017-05-21
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am giving Professional Debt Mediation an opportunity to remedy its complicity in assisting  XXXX   XXXX   XXXX  to violate both Federal Law and Florida Statues in an effort to sabotage my credit file on behalf of the local authorities in retaliation for my efforts to address the Federally institutionalized denial of Due Process for groups protected under Federal Fair Housing Laws. As specified in Florida  Statute 83.49 ( 3 ) ( a ) (   www.leg.state.fl.us ) :  " Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within th e 30-day period, he or she forfeits the right to impose a claim upon the security deposit and may not seek a setoff against the deposit but may file an actio n for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of  X/XX/2016   . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX  o f 2016. H ence, if the creditor had indeed fulfilled its obligations under Fl orida Statutes to sen d notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in my change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the  USPS via  text and email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CAPITAL ONE AUTO FINANCE FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authoriza tion Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the second complaint. I had filed a complaint about Rash Curtis collecting a debt that the hospital had recalled because I paid the hospital directly. I incurred in interest, lost wages trying to find resolution to this ordeal. 
According to XXXX XXXX Hospital Rash Curtis agreed to debit me back the interest on the duplicate accounts but has refused to do so. The amount is close to 300 dollars. This whole ordeal needs to end. The CFPB did not do anything the first time and took Rash Curtis statements accurately instead of believing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received an a credit report and noticed things on my report that were not authorized by me. After researching on XXXX I found that the Credit Reporting laws allowed for me to make a dispute under the protection of the FTC identity theft affidavit. I followed the instructions of the FTC and submitted a dispute with Experian regarding fraudulent items found on my credit report. After waiting 30 days giving Experian ample time to remove the items the came back with a report that says updated. 

Its my understanding that Experian only has 5 days to block the items from my report. It is awfully frustrating to say the least that these credit reporting agencies do not have to follow the law. 

I am submitting this complaint because I just dont know what to do to resolve this. Please hold Experian accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian wants to me to mail in a long list of PII, including a copy of a government ID and my social security number so that they can temporarily lift a credit freeze. This is even after authenticating through their automated phone system and providing my security freeze PIN. The other two companies were much easier but Experian does not offer a number that connects to a human agent to even explain why I have to go to such extreme lengths to verify my identity with them. Frankly, this is ridiculous.

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 2022-10-10
Company: Nelnet, Inc.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2022, I was informed by my employer, XXXX XXXX, that a letter from Nelnet was sent to their office for me regarding a possible student loan debt. This is an invasion of my privacy as well as harassment at my employer 's corporate office. I live in Montana and my employer 's corporate office is located in New York XXXX. There is no reason to send my personal mail to my office where I can not receive it. It is clearly harassment and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Cedars Business Services, LLC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In late XXXX, my XXXX Visa card was compromised. In mid XXXX, I noticed 4 transactions for XXXX, totaling a bit more than {$4000.00} on the card. These were not purchases made by me. I contacted XXXX XXXX XXXXXXXX, who researched the issue, and, approximately 60 days later, issued me a credit for the fraudulent transactions. I considered the matter closed. In early XXXX, I began to receive phone calls from Cedars Business Services, a debt collection agency. They would call 3-4 times per day. I initially regarded the calls as " spam '' communications, but, after a discussion with one of their representatives, learned that XXXX was attempting to recover payment for one or more of the Fraudulent transactions from me. 

I attempted to tell XXXX that these transactions were fraudulent, but, they had no documentation that this was the case. 

I attempted to report the issue to the police, but, since I received refunds for the transactions, I was not regarded as the victim of a crime. 

I attempted to secure documentation of the fraud from XXXX, an onerous process that took several weeks, and finally resulted in some vague, general documentation that I had submitted a fraud claim. I provided this documentation to XXXX on XX/XX/XXXX, requesting that they " call off '' their debt collectors, and issue me a letter confirming that these transactions were fraudulent.

I am writing the CFPB for several reasons : 1. To raise the issue that identity theft is difficult for individual consumers to react and respond to in the absence of documentation that the theft has occurred.

2. To say that, from my experience, neither VISA, nor XXXX, has any clear policy or procedure to issue a simple notification that one has been the victim of fraud. 
3. That XXXX, the vendor in question, appears not to have any clear policy or procedure for dealing with victims of identify theft and/or fraud.

4. That the issuance of a clear, unambiguous statement that specific transactions have been determined to be fraudulent should be a right afforded to consumers.

5. That companies should have clear policies and procedures that permit the victims of fraud or identify theft to dispute charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've spent XXXX of dollars trying to repair my credit from identity theft and fraud that have happened in the past. I sent several documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information, I 've had cars purchased in my name, XXXX bankruptcy cases filed, phone accounts from XXXX and XXXX. I have a judgement that I have no knowledge of, I sent a XXXX XXXX-search from the secretary of State of Illinois and no debts were on file from any corporation. The reporting agencies are not following lawful procedure. I advised the reporting agencies that XXXX student loan accounts were past the statue of limitations 84 Stat Public Law 91-508 Section 605. The student loan accounts on the report that says paying as agreed and also report 120 days past due with a {$0.00} balance for each account. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. Do you have PROOF of your claim : a contract wet signed, dated, by both parties, with a clear offer, acceptance and lawful consideration? Do you have PROOF of authority : evidence which shows I have given my consent for you to proceed against me and for me to be dictated to by you? May I remind you slavery has been outlawed since the XXXX no free peoples can make demands upon another free peoples, unless one of the free peoples has given that consent to another and PROOF of that consent can be provided in the form of a lawfully binding contract. If you take action from this moment on you MUST be CERTAIN you can answer yes to the above two questions. You will be required to in court. These are the questions asked in documents sent out to the credit agencies and the alleged creditors. I am the creditor and not the debtor for the record. I have full faith and credit according to the Department of State and the Executive Office State of Illinois. They are ignoring the facts and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan balance has steadily increases over the last few months at lease {$1700.00}. When I called Navient, they informed me it was due to uncapitalized interest. Each month I make my monthly payment, on auto payment so they do n't mess it up, and a portion of the payment is applied to principal. After calling, I was informed interest accrued daily and I only paid what accused during the billing period. Other letters from Navient state they will apply payment to excess payments to accrued interest only then principal. When making extra payments, I would choose not to move the next due date. The due date always was extended and the loan terms changed at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried multiple times to handle this debt with XXXX XXXX XXXX. Someone stole my identity and have opened up an account in my name. This debt does not belong to me and they have not provided physical proof. They only have sent documents of whoever opened the account in my name and forged a signature that is not mine. I am XXXX and haven't opened this account. I have been going back and forth with them about this for years. If they can't provide physical proof of me opening this account. They need to delete it from my name. Just because they have signed documents doesn't mean that I opened the auto loan in my name. It is not my account and I am not accountable for this account. The account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt. I did not live or sign a lease after 2020. They have me owing for an address I never lived at. This is fraud. I have made numerous complaints with the apartments. They are not responding. I filed a police report and FTC complaint.

Company response to consumer: Closed with explanation