BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were transferred from Great Lakes Borrowers Service to Nelnet this year. Ive yet to receive my full payment and loan history from Nelnet. When I request it, instead of providing the information in a PDF, in an email, or through traditional mail, they send me a message to my Nelnet inbox on their website. The problem is, messages sent to my Nelnet inbox are not accessible. There is no way to view the contents of any messages they send me. Clicking an unread message does not open it, it just marks it as Read. 

Additionally, on XX/XX/XXXX, I noticed a mistake in my loan information on Nelnets website. Ive attached a screenshot, but essentially they have categorized one of my XXXX loans from XXXX XXXX XXXX as a XXXX  loan from XXXX XXXXXXXX XXXX This is clear because their website indicates the disbursements for this loan occurred in XXXX and XXXX. I attended XXXX XXXX from XXXX. Since there are different procedures regarding XXXX student debt and XXXX  student debt, there are potentially serious financial ramifications mistakes like these could cause for me. Since I am unable to access my complete loan and payment history, I have no way to check if Nelnet has made additional mistakes regarding my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed a formal written complaint to Equifax, XXXX, and XXXX on XX/XX/2021 requesting to remove inaccurate and incomplete credit information from my credit report. On XX/XX/2021 I wrote a second request requesting an investigation into items that I believed were OBSOLETE as stated on the XX/XX/2021 request. As of today XX/XX/2021 I have not received a response from Equifax, XXXX or XXXX  for either request on the XX/XX/2021 or XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, doubled my payments from XXXX to XXXX per month with out authorization. They have said I am on a graduated re payment program. I simply asked for the documentation 4 different times and they will not provide my signature on any document proving I agreed. I had been making XXXX payments and in XX/XX/XXXX they double it to XXXX per month. I disputed this and they lie saying I agreed to it. I have not so while I am making XXXX payments each month they were reporting me to the credit bureau for four months trashing my credit score from 765 down to XXXX and I can not get a loan at all now. XXXX will not correct this issue even thought I have requested it in writing. 
XXXX is a fraud and abusive company. I have a parent plus loan I took out in XXXX for XXXX. XXXX says I have paid them XXXX. I have paid more than this and they do not report it correctly and say I still owe them XXXX??? Can someone please help me with this elder abusive company. I am a senior and can not afford this and they have fraudantely ruined my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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 have sent in my identity theft report several times to XXXX Equifax and XXXX asking them to block and remove these fraudulent accounts of XXXX XXXXXXXX XXXX XXXX- XXXX. XXXX and XXXX XXXX- XXXX. These is in violation with us code 1681c 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 trusted the credit reporting agency to do a proper investigation on this debt that does not belong to me and it failed by reporting is as verfied and belonging to me. This is false. I have not have a XXXX account in at least 10yrs. just by that alone statue of limitations of accounts in default is 7yrs so why is this account being validated as mine. Furthermore I do not nor have I ever owed XXXX  any money. We were reassigned military duty stations and needed to close the account due to reception in the new location now being supported by XXXX. there would have been a balance for early cancellation but we were released free and clear because of the lack of reception being verifed by XXXX. It seems the collection companies are just on the hunt for something to collect and the credit reporting companies are assisting by poorly validating debts to consumers. This is an outrage. I have worked very hard to establish good credit to allow some random company to ruin my credit by reporting a completely false debt to my reports.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be delaying things but I am not going to just wait because this matter of is great importance to my family. I sent the letter on XX/XX/2022, and it's been over a month now. I still haven't received any response from them or any form of update from their end. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer!

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a lot of hard inquiries and collections from accounts that are not mines and had never open

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 2023-10-04
Company: Nelnet, Inc.
State: PR
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 am a lender with Nelnet, I have try calling them but they hardly pick up. I spend over 2.5 hrs. To no avail. It semsthere are some inconsistent information in my forbearance in which they say I don't have to pay anything until XX/XX/2024, but it is showing a bill for XXXX. Also, I applied to the teacher loan forgiveness and I have not hear anything from them. If my application has something wrong or not. They don't pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Our mortgage loan was XXXX XXXX to another XXXX effective the XXXX of XXXX, but before that happened, XXXX of the XXXX credit bureaus made a change to what it reported to our credit accounts, but the main problem is with Transunion to start. When trying to access our credit accounts, we were not able and when calling Transunion were told that we had to use " XXXX '' to log in, and was told it was the new XXXX account. But found out yesterday that I still had my previous credit accounts with adding the XXXX was us adding a third account. When calling in to Transunion on yesterday to once more clear things up, they gave a number to call twice ( not transfer ) where it appears they are more interested in getting your SS number, date of birth and email, because the results are always the same, we can not access our credit account until the dispute is over. This dispute is over makes no sense, because it is the first time any of the XXXX credit bureaus have blocked access to an account due to a dispute. In fact, when initially calling in they say clearly that the dispute should not block access. I've searched on " XXXX '' and have asked on a credit forum. Why is the adding process only applying to both my wife and I?

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 2019-04-24
Company: Experian Information Solutions Inc.
State: OK
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 a prior complaint with Experian and as part of trying to resolve that CFPB complaint, Experian sent me a copy of my credit report because they would not take the info I sent them through the mail, even though I sent them all required items ( because they are trying to put me through XXXX to correct report ). I then followed the instructions in the report they sent me and wrote in area of disputed items why I was disputing and then used the online option to send back disputed claim.. However, in another attempt by Experian to put me through XXXX and not take my dispute, the website kept throwing out my submission. Therefore I can not submit online. CFPB quit XXXX around with these people and charge them with not adhering to fair reporting laws!!!!! I hear alot of people are going through the same thing I am, ENOUGH IS ENOUGH!! Also there has been a freeze request that was not adhered to.

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 2023-07-22
Company: DISCOVER BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In XXXX of XXXX Discover Card increased my credit line to double the amount of the original line. I have not missed any payments and set up automatic payments. I have had the card since XXXX never had unresolved issues. Now out of no where they have violated my consumer and constitutional rights demanding my personal non-public information and using a third party credit agency XXXX to do so. I called to resolve the issue and two different customer service representative stated the only way to continue to use my card was to comply and hand over my tax returns. I am deeply offended and injured emotional and physically not having access to my own credit now that they froze my accent and will terminate it by XX/XX/XXXX if I do not comply. The is a grave injustice and deep over steeping of boundaries and deprivation of my rights. I demand immediate relief and Arbitration as I will be contacting the Attorney General, Securities Exchange commission, IRS and the OCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Grant Mercantile Agency
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:
Grant Mercantile Agency added a derogatory mark on my credit report per XXXX XXXX, upon further research, this is not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Grant Mercantile Agency has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: TX
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/2021 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 Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30days gives me reason to immediately remove those from my credit report it has been 60days so they should be deleted promptly. I demand these accounts be immediately deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/XXXX I contacted Transunion to remove unauthorized hard inquiries on my credit report.They refused to allow me to dispute the two inquires that I did not authorize. I demanded I speak to a supervisor and was told that a supervisor was not available. I am wanting to get the inquiry 's that I did not give permission for to be removed 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 explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, WI XXXX ) opened an account in my name for someone who fraudulently obtained my information on XX/XX/2015. Account charged off. {$990.00} written off. {$240.00} past due as of XXXX XXXX was never aware of this company before seeing derogatory information from them in my credit report. I have disputed this multiple times with Experian with no results. If this is my account I want to know what was ordered, and where it was shipped as it appears this card is specifically for online shopping stores.

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 2022-04-29
Company: Army and Air Force Exchange Service
State: FL
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, Military Star has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-29
Company: EQUIFAX, INC.
State: DE
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 is reporting incorrect and inaccurate information on my consumer report. I did not give the permission to do so as required by the FCRA. I am a dictum of Identity theft and I want XXXX to stop exploiting my consumer report for their gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: EQUIFAX, INC.
State: DE
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 have sent four written request ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to Equifax to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ... ) that has been placed on my credit file. Equifax has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. Equifax has failed to do this more than four times. Equifax has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collection company purchased a previously charged off account from XXXX XXXX XXXX XXXX. The company LVNV Funding LLC XXXX XXXX MI, served me with court papers on XX/XX/2023, in attempt to collect the debt of approximately {$14000.00} and or garnish my wages. I filled an answer in the Magistrate Court of XXXX XXXX State of Georgia contesting the debt. Trail is set for XXXX XXXX. I never had a delinquent or charged off credit card account from XXXX. I currently have an active credit card account with XXXX that is in good standings. I have never had a late payment or overcharge the account.

Company response to consumer: Closed with non-monetary relief