BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After receiving credit reports from all three reporting companies? XXXX, Trans Union and XXXX the reports were stolen out of my personal property and are being used by an identity thief who is using them to file back taxes i believe and put people in those residences. It contains all of my phone numbers and addresses where i resided that are necessary to complete the documents, one of them Trans Union has been used to spend identity theft insurance which had occurred continuously and still is happening

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 2016-07-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax continues to report incorrect information on a business account, disputed with credit card company directly with no proof of ownership provided. Equifax continues to report incorrect information and when asked how it is validated only boiler plate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Navient Solutions, LLC.
State: GU
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
On XXXX XXXX, XXXX, I filed an Identity Theft Complaint with the XXXX Attorney General Office, XXXX, and my banking institutions as there was someone who had access to my XXXX credit card account to pay for monthly credit reports from XXXX from XXXX XXXX to XXXX XXXX. 
In addition, I received a letter from Navient on XXXX XXXX informing me of my rights as a borrower. I shared with the AGs Office that I believed someone would use the information from XXXX to apply for a student loan. 
I called Navient and had written to them of my concerns. On XXXX XXXX, I received a billing statement indicating that I owed {$320.00} unpaid principal from an old XXXX XXXX loan of XX/XX/XXXX. Navient is contending that the loan was an outstanding balance from an old student loan of XX/XX/XXXX. I informed the customer service representative that I had paid off that student loan in XXXX. I personally had called XXXX XXXX in XXXX and the customer representative approved the amount of {$20000.00}. The balance in XX/XX/XXXX was {$20000.00}. I then borrowed a personal loan from a local lending institution to consolidate my outstanding loans, one of which was this XXXX XXXX loan. In no way was this Navient loan mine. Navient disagreed. I then asked that if, in fact, it was my loan why was n't I contacted. Navient shared that the only address it had was an old email address. The former mailing address was no longer owned by me. I do not believe Navient was unable to contact me. The old mailing address was a post office box. The post office would have forwarded all my mail to my new address which is situated in the same building for 30 years. I am in fear that someone used my personal information to concoct this loan to pay off someone else loan. Navient has not responded to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have a collection account that has been placed on my credit report that I have been disputing for over 5 months to get this entry removed. I have spoken with numerous representatives, supervisors, and numerous managers in regards to this erroneous collection and I have yet to get it resolved. I have sent numerous disputes in which I am currently waiting on results. I called and spoke to a representative and inquired how Equifax verifies collection accounts. I want to know this because the account keep coming back verified as mine. I asked the representative to please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the collection account. The representative stated he does not have to disclose how he verifies my collection. I have sent numerous Debt validation letters to the collection Agency, and letters to Equifax certified and return receipt and I have not received a response. Here are some recent letters I have sent to both the collection agency and Equifax. This information was also shared illegally through a ( third party ) without my informed consent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I noticed that Equifax has removed my XXXX Credit Card off of my report without my permission and has dropped by credit score and credit rating. I did not authorize removal of my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have reported false information on my credit reports with ( XXXX, XXXX and XXXX ) that I paid in full with them {$1000.00} and they collected on a debt. That information is incorrect. I never paid them nor the amount they reported on my credit report. If I paid them directly ; they need to provided the means of payment ( check, credit card, etc ) receipt. I never spoke to anyone or neogitate settlement payment with anyone at this collection agency

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 2015-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I use to have a XXXX XXXX that was opened in XXXX/XXXX/XXXX and paid in full by XXXX/XXXX/XXXX. Credit card was Paid off in full before I closed that account, yet TransUnion is reporting it as placed on collection XXXX/XXXX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 
Why is the credit card that a consumer paid in full and closed being reported / forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices. How can a credit card that a consumer paid in full and closed being reported being forwarded to collection agency and reflected on my credit report as in collection. I reported this to TransUnion XX/XX/XXXX and yet no action has been taken

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i was charged for a apartment debt, while i was XXXX in XXXX with the XXXX, i was protected by the military clause and they wo n't remove the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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 have been trying to dispute the fraudulent items and request the Credit Bureaus to remove them completely from my Credit Report. I have bee sending multiple letters attached with complete proofs of my identity as well as the ID THEFT REPORT I received from the FTC. However, it has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If the Credit Bureaus choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXX XXXXXXXX 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 XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} ACCT XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$820.00} XXXX XX/XX/2021. The last letter I sent requests the Credit Bureaus to send me copies of documents bearing my signature to prove the Credit Bureaus ' claims regarding the fraudulent items, which they have failed to do so and yet continued reporting the disputed items. This action by the Credit Bureaus is a clear act of violation of my rights under the FCRA.

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 2015-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion still has a XXXX XXXX XXXX collection on my credit report with them. This collection was part of a divorce and the legal documents were given to XXXX XXXX XXXX as well as the collection agency who reported it on my credit. The collection and balance has been cleared out with XXXX XXXX XXXX and has actually been completely removed from my XXXX credit reports, however, TransUnion is still showing this collection on my Credit report. I have sent supporting documentation to TransUnion about this issue as well as they can see where it has been removed from the other credit bureaus. XXXX XXXX XXXX shows a {$0.00} balance. This is n't a " paid '' collection but a " removed '' collection. The amount of the collection is {$570.00}. This amount needs to be removed completely and my credit score needs to reflect that. THIS IS NOT A DISPUTE! This collection is my Ex Wife 's responsibility and XXXX XXXX XXXX removed that collection because they were given the proper legal documents to do so. The collection just somehow slipped through the cracks with TransUnion and needs to be removed. 
Also, The XXXX XXXX account for {$1100.00} has in the comments, " consumer disputes this account '' please remove that comment and any comment that says I dispute the XXXX XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: SC
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Previous Address ( es ) : 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 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 instruction 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 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 
XXXX XXXX XXXX XXXX Balance : {$11000.00}

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 2016-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a debt with transunion because a collection agency and a creditor report the same XXXX debts. Transunion dont remove any of the entries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hello, I received a letter on XXXX XXXX 2015 stating this account was delete from my credit report and now it 's reinserted again. The account is XXXX XXXX XXXX # XXXX. I have attached the letter from Equifax showing the account was removed. Also, I requested " Validation '' information on XXXX # XXXX and not " Verification '' and it was never presented and I have the cast number to provide. The request in CFPB system. In addition, this account over the status of limitation and Equifax has changed the dates which is against the Fair Credit Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
the following accounts appear on my credit report, without any authorization, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to verify fraudulent accounts that I did not apply for. This is very frustrating as I have provided them with a copy of my identity theft report. My credit has suffered severely due to someone stealing my identity. XXXX of the fraudulent accounts are listed on my credit report and they do n't state the companies name, so I have been unable to dispute with the creditors directly. The fraudulent accounts are XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. What are my rights around this? Am I able to sue Equifax for allowing fraudulent accounts to be reported on my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Total Card, Inc.
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid debt in full, and debt collection company is refusing to return phone calls or write a letter to my school ( University XXXX ) so that I can have my transcripts released to a school that I am transferring to next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX took out a fraudulent internet loan for XXXX dollars in 2014 and has hounded me ever since to pay off a loan that I never made. After sending in a police report and sending all of my information to XXXX, they refuse to release the non payment status of this fraudulent loan on my credit report. When contacting their customer support line, they told me that my birth year was incorrect. Seriously, I know when I was born but apparently the identity thief did not. And somehow XXXX XXXX still gave out the loan anyway. This has been a consumer nightmare and XXXX XXXX is a bad, bad company. Beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: AVANTE
State: WV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
AVANTE USA has issue a hard credit on my XXXX Report that is not my Accounts, Supposedly from XXXX XXXX XXXX, I Filed Bankruptcy in XXXX, and they recently did this i have not been in that place in 10yrs, and what was on my report, i payed everything off, They have me mixed up with someone else! That said in was in XXXX XXXX! NO WAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act, 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  have 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 2022-04-21
Company: Nelnet, Inc.
State: VA
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:
I JUST SENT A PAYMENT TO THESE THIEVES IN THE AMOUNT OF {$4100.00} ( WHICH IS SUPPOSED TO BE VALID THROUGH XX/XX/22 ) THAT WILL BE PAID ON XX/XX/22 PER THE LETTER FROM XXXX XXXX ( WHO COULD NOT BE BOTHERED TO PROVIDE HER LAST NAME BUT SHE HAS MY LAST NAME AND SO MUCH MORE!!!!! ). I WANT CONFIRMATION THAT THIS AMOUNT FINALLY PAYS OFF MY STUDENT LOAN IN FULL AND THAT I WILL NEVER RECEIVE ANOTHER BILL ( OR ANY OTHER CORRESPONDENCE FROM THEM OTHER THAN TAX INFO ) AND THAT I AM FINALLY DONE WITH THESE THIEVES FOREVER!!!! I WANT THIS NIGHTMARE TO BE OVER FOREVER AND I WILL NEVER HAVE ANOTHER STUDENT LOAN AGAIN!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Old information reappears or never goes away

Complaint:
I have an old charged-off account ( XXXX XXXX XXXX XXXX XXXX This account is too old to be on my credit profile. On my last dispute to Equifax on XX/XX/2022, Equifax responded and said that the credit account will be removed automictically on XX/XX/2022. I checked my credit profile today XX/XX/2022, and the ( XXXX XXXX XXXX, XXXX ) is still on my report. Charge-off accounts stays on a credit profile for up to 7 years. This account is really affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to sign up for a checking account with Capital One 360 checking. I was told that I was denied a checking account due to some type of score being too low.

Company response to consumer: Closed with explanation