BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$7000.00} XXXX XXXX {$7000.00} USDEPTED XXXX {$2100.00} USDDEPTED XXXX {$1700.00} USDOEXXXX  XXXX {$4500.00}

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 explanation
Consumer complaint received 2020-06-18
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Back in XXXX, my wife and I joined our checking accounts at SECU in XXXX, NC. I have an autodraft loan of XXXX a month. I was told then that the autodraft would transfer over to the new checking account. It did not. In XXXX I was debited XXXX for a missed payment in XXXX and for XXXX. I did NOT recieve a call or letter notifying me of a missed payment. I called and was explained everything and I requested the EFT be set up. I was told it would be by the bank. Today they debit XXXX again and was told the same thing, missed payments. Nobody called me and I did not receive a letter about my missed XXXX payment. I was told they see the EFT is set up now since they auto drafted 2 months of payments and was told there was nothing they could do as far as the extra amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted XXXX  and Experian about information on my credit reports that was not accurate. XXXX  has done the right thing and deleted the information that was not accurate. Experian, however, will not delete the incorrect information from my credit report. 
Experian has old addresses and some other addresses listed on my credit file with them that I do not recognize. They also have name misspellings and incorrect phone numbers as well. This is a credit risk to me and could result in identity theft. When credit card offers and other information gets sent to these other addresses it provides an easy way for people to misuse the information. Therefore, I am requesting that Experian follow the lead of XXXX  and delete the incorrect information. 
Also, it is against the law to report inaccurate information on someones credit report. Those addresses are incorrect and should be deleted permanently since they are not recognizable and not deliverable to me by USPS.

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 2022-07-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : LVNVFUNDG Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: BARCLAYS BANK DELAWARE
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:
I Applied for COVID relief on Barkleys XXXX XXXX   website and it did it said I dont need to do nothing else. I guess somehow it didnt take it and now there saying Im 30 plus days late and dropped my score a lot. I called and they fixed it for the month of XXXX. I payed the account off for XXXX. Then XXXX they report again 30 plus days late and my score dropped again so they dont have it right over they because the original late month was may not XXXX and there giving me a hard time to fix it Ive been with them since 2012 with never a late payment with them or any account my entire life. They fixed it originally and messed it up again I dont now whats the confusion with this and why I cant get it fixed for COVID reasons. I never missed a payment in my life and its on them that something went wrong on there side or I wouldve just made the payment originally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: Nelnet, Inc.
State: CA
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:
On XX/XX/2023 I made a bill pay of {$430.00} through my banking institution to submit a final payment towards my student loans with Nelnet. In the past, I had successfully paid off my student loans the same way ( bill pay via my banking institution ) and Nelnet processed them just fine. However, I noticed with this final payment, it has taking longer than usual to process. Thus, on XX/XX/2023, I called Nelnet and had to wait XXXX hours before finally being serviced. The representative I spoke to claimed she did not know what I was talking about and kept suggesting I make sure it was not an issue with my banking institution. I told her it could not be since I had submitted bill pays to Nelnet before through the same banking institution with little to no issues. She agreed to look into things further and eventually transferred me to their " solutions department ''. The representative there managed to locate my payment and told me they would apply it in several days. A week later, I see no changes to my loan amount so I call them again on XX/XX/2023. The representative I spoke to this time claimed that the final payment MAYBE takes awhile to process since their accounting has to make sure " everything is in order ''. However, Nelnet states on their website that most payments should only take XXXX days to process. Up to now, nothing has been done to process my final loan payment and I am worried that Nelnet will claim they lost the payment when they are really just stealing the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CITIZENS FINANCIAL GROUP, 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:
This is the second report that I am filing against CITIZENS BANK on the same issue. Citizen Bank unauthorized furnished an inquiry on my consumer report. This is a violation of my consumer privacy right is stated by congress in the following : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 1681a - Definitions ; rules of construction Failure to respond satisfactorily with the deletion of the above items will result in legal actions being taken against your company for which I also will be seeking {$1000.00} per violation for : XXXX defamation of character XXXX negligent non-compliance XXXX civil liability XXXX mental anguish XXXX. FCRA 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 USC 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Reel Time Capital LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been contacted twice by 2 different Debt Collection agencies requesting I pay {$280.00} associated with a hot check written to " XXXX XXXX  '' ( now " Reel Time Capital LLC. '' ) account # XXXX. This check was written against a XXXX XXXX bank using my name. I have never banked with XXXX XXXX. This imposter allegedly also used my SSN according to the Debt Collection agency, which is XXXX XXXX XXXX XXXX. According to the Debt Collection agency, this imposter also used this email address " XXXX '' with their transaction -- which is not an email account I have ever owned in my name or used. Furthermore, this imposter worked at a construction company ( can't recall the name they provided ) which I have also never worked at. 

This is not my debt and I refuse to pay the debt of someone using my name and SSN.

My understanding is this transaction took place sometime in 2014. The first time I am hearing of this matter was by being contacted by the 2 collection agencies. 

I have responded to both companies ( via phone when contacted ) confirming this is not my transaction and that I would be reporting this as fraud. I have email correspondence from the most recent discussions with XXXX XXXX to document the above, as well as attached herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Prosper Marketplace, Inc.
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was searching for a loan to pay my credit card off. I was contacted by XXXX XXXX of Prosper Funding # XXXX. XXXX told me to secure my loan that they would send me a check. The first check sent via e-mail was for {$780.00} which I was directed to put into my mobile bank account.The back of the check said ( For Deposit Only ). XXXX told me to get XXXX gift cards from XXXX and put {$380.00} on XXXX and {$390.00} on the other. When I gave XXXX the numbers for both cards he told me the second card for {$390.00} had no money on it. I called the XXXX Headquarters. They began an investigation but couldn't tell me why the money wasn't on the gift card. Then XXXX sent me via e-mail a second check ( For Deposit Only ) for {$980.00}. That money somehow was withdrawn from my account. My bank is doing an investigation of the XXXX checks which cleared in my account. My bank has put a hold on my account. My bank took {$810.00} from my XXXX check in my account. XXXX called me on XX/XX/2023 and said he was speaking to Consumer Affairs and if I came up with the {$390.00} he would get the hold lifted. The money I tried to put on the gift card is a XXXX issue. I explained to him that both of the checks sent to me were returned because they were not legitimate checks. I have contacted the XXXX XXXX XXXX, the Attorney General 's Office and Consumer Affairs and filed complaints with them. When my bank 's investigation finishes I will know where my bank account stands. I then called the Better Business Bureau and obtained the numbers for the Federal Trade Commission and the XXXX XXXX XXXX as well as the FCC. I have not filed a Police report because the gentlemen said I should wait until I have all my information to do a complete report. Then they can tell me if I have a case against XXXX XXXX loan officer and Prosper Funding for he XXXX returned checks.

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 2023-01-07
Company: National Credit Adjusters, LLC
State: LA
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: Investigation took more than 30 days

Complaint:
XX/XX/2022 National Credit Adjusters agreed to manually delete tradeline reporting from credit Reporting agencies XXXX and XXXX. On XXXX XXXX I checked to see if it has been deleted and it still shows on my report which is hindering me for applying for a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For the Past 4 years I have been trying to resolve a credit reporting issue with " Freedom Mortgage '' Freedom Mortgage has inaccurately evaluated my credit score and has reported 3 consecutive late payments from XXXX 2017, however that was not the case an i did in-fact pay these payments as well as every other payment before and after this time. 

Freedom mortgage made multiple mistakes on there behalf which they continue to deny and as a result i have recieved negative remarks to my credit, Freedom Mortgage 's company structure is so compartmentalized that it is impossible to speak with a representative that can fully understand/oversee the problem, making a complex issue like mine impossible to resolve because it requires knowledge from different departments.

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 2023-01-07
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 called the XXXX  Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Inaccurate reports on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX XXXX days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I HAVE MADE MANY ATTEMPTS TO CONTACT YOUR OFFICE REGARDING BALANCE DISPUTES. I CAN NOT EEVEN APPLY ONLINE BECAUSE IT STATES I HAVE TO CALL. WHEN I FINALLY GET THRU YOUR AUTOMATED SERVISE WHICH TAKES SO LONG TO SPEAK WITH SOMEONE AND TRY TO SPEAK WITH THE DISPUTE DEPARTMENT YOUR COMPANY HAS THE NERVE TO TRANSFER ME TO A DIFFERENT DEPARTMENT WHICH I CAN NEVER SPEAK TO SOMEONE THERE. I HAVE REPORTED THIS TO THE FTC, CFPB, XXXX, AND THE ATTORNEY GENERALS OFFICE FOR YOUR COMPANY MAKING IT SO DIFFICULT TO FIX MY CREDIT REPORT. 
THIS IS THE ACCOUNT : XXXX XXXX XXXX -BALANCE SHOULD BE XXXX ALSO REGARDING MY PENDING COMPLAINT EXPERIAN STILL HAS NOT RESOLVED THE XXXX  COMPALINT AND BOTH OF THEE COMPLAINTS ARE AN ON GOING PROBLEM FOR MONTHS.

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 2023-09-08
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at XXXX XXXX When I left I wasn't aware I owed an balance. After applying for a new apartment I was told that I owe XXXX XXXX money from the time I lived there. I contacted XXXX XXXX and I was told that there were not reporting the amount I owed to the credit bureaus and offer me a payment plan to settle the debt but I instead paid it in full which was {$440.00}. After paying I waited a couple month and contacted the collection company Transworld System INC that was reporting I owed {$1000.00}. After contacting them nothing was changed they hung up on me and was very rude. I dispute this with the credit bureaus but it updated with a new balance of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX 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 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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-11-15
Company: EQUIFAX, INC.
State: NV
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:
No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 2023-07-31
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a letter from Online Informations services debt collector Client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive called Online services they gave me 2 options. At the moment your the 1st option to let you know that this is fraudulent Identity theft Ive never lived in Texas were this account is/was being used. 

Please let me know what the next steps are to clear my name and my credit from this company and from my credit as this is an identity theft situation Thanks

Company response to consumer: Closed with non-monetary relief