BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
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:
XXXX and Experian have accounts on my report that are fraudulent. I have tried numerous times to get them removed, but to no avail. I have attached police reports and an identity theft affidavits to this complaint, hoping that this will work. The XXXX, XXXX XXXX, XXXX/XXXX XXXX, and XXXX XXXX XXXX XXXX accounts are all fraudulent accounts and I would like those blocked please. My next steps will be to retain an attorney to get these fraudulent accounts removed. XXXX has complied and I would like Experian and XXXX to comply as well. I have been disputing these items for years and they keep reappearing. I was a victim of the Breech with XXXX and it has been a lot. Please remove and block asap. There are also multiple inquiries that need to be removed in the affidavit. I need them blocked please and 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Since my loans were transferred to NELNET the service and communication has been poor, inaccurate and unprofessional. Their website is not user friendly for payments. They will not reply to emails. Customer service on the phone takes 2-3 hours to get anyone on the phone. Their website is constantly down, errors, payment processing takes way too long. I would like to have my loans service by someone else, would that be possible? NELNET is an absolute nightmare to work with and deal with. One rep didnt even know about the president on ramp program. They have not continuity of what they say, or document each interaction. This is frustrating and unacceptable for a company handling large amounts of money. Please do something and provide feedback for improvement or alternative. Their social media channel are useless, because they have a generic answer and never call back. Im tired of this level of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Account # XXXX is a fraudulent account and has been reported multiple times to XXXX XXXX and TransUnion telling them to delete it since it isnt mine. I keep getting canned responses claiming that this account does belong to me. However they refuse to provide such evidence. I have filed a police report, ftc affidavit and submitted proof of my identity. However they continue to claim there is no fraud. I dont know how I have to get it through their heads. That it couldnt have been me because I wasnt available and the person living at my house may have used my information. Again XXXX XXXX refuses to provide the documentation that they claim they have and I believe its because they really dont have the said documentation. I will upload my files to this complaint and go from there. This isnt fair that a company can claim they have done an investigation yet refuse to support it in anyway. ID, proof of address also attached. The only acceptable solution is to delete this account. Heck I have yet receive a 1099 either yet XXXX XXXX claims it has been charged off. I want to see the evidence that you have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
There is no way to contact XXXX XXXX owner by the name of XXXX XXXX XXXX XXXXXXXX miles when I purchased it it had a faulty transmission was not in the description and I soon suffered after again there is no contact I have paid XXXX down payment {$10000.00} this and it turns out that it is on my credit now I need it removed! No contact! 

-Also he had to pay to get my tags I could not get my tag because coronavirus hit the same week I purchased a vehicle again indicating to meet a governmental plot again : 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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TransUnion is reporting a account on my consumer report that is not mine the account name is : XXXX XXXX XXXX XXXX this does not belong to me Ive called the creditor and TransUnion and nothing has gotten resolved I have a recording from a TransUnion agent that they dont verify or validate accounts.

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 2018-11-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased in XX/XX/2018 a washer and dryer from Home Depot Stores, XXXX XXXX IL. Canceled said order two days after initial order since we decided on NOT purchasing said units. Home Depot Credit continues to bill us for the original purchase and also the extended warranty and refuses to remove said charges from our dedicated Home Depot Credit Services Card. We have disputed these charge since XX/XX/2018 billing and it is NOW XX/XX/2018 and Home Depot Credit Services is still billing for the Washer and Dryer and Warranty that we never received and had canceled. We have called, emailed and written Home Depot Credit Services and yet they have failed and refused to acknowledge the fact that 1. We canceled the purchase and never took possession and 2. They continue to bill us for services and products never received. 

XXXX XX/XX/2018

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 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
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 Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: GA
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 act XXXX XXXX account # XXXX has violated my rights. 

XXXX5 U.S.C 1681section 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 2022-12-19
Company: EQUIFAX, INC.
State: RI
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 XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( wont disclose acct number ) 15 U.S.C 1681 section 602 A states i have right to privacy 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a few accounts and inquiries on my report that I do not recognize XXXX XXXX  XXXX XXXX XXXX inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXl, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I fell on hard times and went to TitleMax. I borrowed {$800.00} from them in 2021 in exchange for my car title. I've paid over {$3000.00} and I have to pay more than {$1000.00} to release my title. I called and wanted an explanation of why it is paid off. She hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: VW Credit
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased the vehicle in XX/XX/XXXX in the amount of {$8000.00}. It's been ( 3 ) years and I still have a balance of over {$10000.00}. I'm paying {$350.00} per month. I've never missed a payment. I've already paid over {$10000.00}. The loan was differed ( 3 ) months in XXXX in the beginning of the pandemic. How can I possibly restore my credit when I have Volkswagen not having a arbitration policy or any way we can come to some type of consensus. This is just highway robbery. I need your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Their investigation did not fix an error on your report

Complaint:
I called Experian, and after receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2022. 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 request and hoping that these accounts listed below lates will be removed and updated in my file. 
DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX : {$9300.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1100.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$3000.00} XXXX DEPT OF EDUCATION/XXXX XXXX Balance : {$1900.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$5900.00} ; DEPT OF EDUCATION/XXXX XXXX Balance : {$5800.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$3900.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance XXXX {$350.00}

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 2019-07-01
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a partial refund to a client XX/XX/XXXX of {$140.00} through PayPal. 
The client demanded a full refund and began a dispute which escalated into a claim. 
The client changed the basis of her demand for refund while I was out of computer communication. I did not respond to the change of reason because I did not know it had occurred. PayPal closed the case automatically, granting the client a full refund, including the partial refund I had already sent : XX/XX/XXXX of {$250.00}. 
It has been impossible for me to communicate with PayPal. I have used the on-line chat, spoken with the resolution center, demanded to speak to a " manager. '' Finally I did reach a manager on XX/XX/XXXX who read the case and promised to reopen it I have communicated directly with the client, who knows she was overpaid for a refund, the reasons for which were bogus and should have been denied. Her response : " Let PayPal deal with it. '' PayPal needs to restore my {$140.00} refunded to the client, and PayPal must evaluate the reason I refused a refund in the first place. This is my money, not for PayPal to disburse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

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 2023-02-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I called XXXX. I got the number from what was presented as XXXX XXXX as I was having sign up and technical issues. An XXXX XXXX represented himself as a tech advisor. He instructed me by using XXXX to make dummy transactions and no money would come out of my account. When I realized I was involved in a scam I hung up and immediately called my bank to cancel the transactions. I was told nothing could be done until the transactions posted. Not a very good system to thwart scammers. I was advised to contact disputes which I did. They put the money back pending investigation. Yesterday I discovered they had taken the money back out. I called for an explanation and was told since it was XXXX there was nothing they could do. They knew from the start it was a XXXX transaction. I only have XXXX now because it is a service provided by my bank. If XXXX XXXX involved the bank would be taking care of me! XXXX says its a done deal, nothing I can do or anything they will do. I am a senior citizen on a fixed income. I was taken advantage of and feel completely stupid, and am heartbroken over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Information belongs to someone else

Complaint:
This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4100.00} 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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately

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