BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: Nelnet, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company GREAT LAKES. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The person or organization who has this contract is now the debtor. The reason I asked for my signature is this organization used my signature as form of transaction to sell to other third-party security markets to profit. So therefore, I am not the owner of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-08
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to dispute this account but Experian disabled my access to do so. 
I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

1.Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

2.Account name XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

3.Account name XXXX XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

4.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
For this account I have been contacted by a collections agency I believe that my personal information has been compromised or sold. I did not authorize this company to access my personal information or credit file. 

5.Account name XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.

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 2023-12-08
Company: Block, Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was in the process of switching phones, updating my email address and phone number and cash app took my email and my phone number off my account why I cant get back into that account because theres nothing length to it so now I have a cash app card with my name on it and money on there that I cant access And they wont verify me to get it out act like its still open and it just doesnt let the transaction go through like theres the lock on it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried to use my ATM card and it was not working. I have my rent money in the account and when I called they told me that my account was closed for their own personal reasons and would not give me an explanation. I am going in to the branch tomorrow to see if they will let take my rent money out because I need it. Its almost XXXX and I dont want to get evicted because I cant pay the rent I have XXXX children and I am a XXXX parent. I am hoping they will let me get my money out in the morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filig this complaint. The stuff on my credit report is wrong.

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 2023-02-10
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:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I sent my regular mortgage payment thru my credit union by bill pay to Citizens One Bank. My credit union has verified that the money was sent, the bill pay company verified the money was sent, and Citizens One bank has verified the money was received. The problem lies in that Citizens One received the payment with additional principal of {$1400.00} was received but it was applied to the principal only. I pay {$650.00} for my mortgage payment and send in an additional amount of {$800.00} to be applied to the principal for a total of {$1400.00} every month. I make all my payments on or about the first of every month. I have called numerous times with a total on hold wait time, to speak to someone in customer service, of 11 ( eleven ) hours. Every time I call, I am automatically routed to collections and have to go through a lengthy verification process, just to be able to say " I want to speak to customer service ''. My good name, my credit score/history, and my good standing in the financial community are in jeopardy due to this situation. I am at my wits end, I simply want this rectified! I will provide any documentation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08
Company: Incomm Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given four Visa VanillaGift cards as a gift from a client in XXXX of 2022. XXXX of the cards were fine. When I checked the balance of the other card on the VanillaGift website in XXXX of 2022, I discovered that a transaction for the full amount of the card occurred in XX/XX/2022 and that the card had a XXXX balance. I did not remove the card from the cardboard packaging until XXXX and had not used the card before that time. I assume that someone had fraudulently used the card. I called the VanillaGift customer service number on the back of the card and was told to file a dispute. I filed the dispute on XX/XX/XXXX. I called customer service several times for a progress report and was told it would take up to 90 days to resolve the dispute. 

On XX/XX/XXXX, I received a letter from lncomm by email stating that the card was used on premises at XXXX and that Incomm considered the dispute to be final and resolved. Again, I did not use the card and it had a XXXX balance when I checked it on VanillaGift 's website when I removed it from the packing in XXXX. 

On XXXX XXXX, I sent an email to lncomm objecting to their resolution of the dispute and asking for documentation showing that the card was used on premises at a merchant. I called VanillaGift customer service on XXXX XXXX seeking an update. I was told I would receive an email from lncomm within 24 hours. Having not received an email, I called customer service again on XXXX XXXX. I was told by the agent that the matter was final and that I had to contact the merchant to pursue the issue. I do not believe it should be my responsibility to resolve the issue with XXXX. 

I asked to speak to a XXXX and was on hold for more than XXXX minutes and then the call disconnected. This was not an unusual occurrence. Each time I called VanillaGift customer service regarding this dispute, the hold times are at least XXXX minutes and several times I was disconnected after holding for more than XXXX minutes. 

I've been getting the run around from lncomm and VanillaGift for 3 months and there is no sign that I will get a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
My credit score has never improved for the years that they have been reporting it. Another reporting service gives me a credit score of XXXX Experian only XXXX or lower. I am told if I get an account XXXX, my credit score would improve to a higher score if I join your club at a nominal fee per month which to me is unacceptable. 
It keeps me from getting a proper loan at a good price etc. etc. 
Thank you for your time. Looking into this matter 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 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filig this complaint. The stuff on my credit report is wrong.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Good morning, I am writing this complaint because Transunion are not doing their job to assure maximum possible accuracy on my credit report. I wrote them a letter addressing this problem and request they sent a debt validation and they have yet to provide that and it is almost 45 days since I sent out my letter to them requesting this. The letter was sent out XX/XX/2022. Transunion not sending me that, I am assuming they don't have one and I don't understand why it would still be reporting on my report if they can't prove to me how it was validated and with whom it was validated with. I am requesting they remove these inaccurate accounts from my credit report 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
Consumer complaint received 2023-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX CAPITAL ONE  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX is reporting a collection for XXXX XXXX. I have never done business with either entity. The creditor or collection agency does not have the authority, permission, or consent of the surety to be in contact with the alleged principal debtor XXXX XXXX. There is no evidence to the contrary. 

They also do not have my written consent or instruction to furnish any sort of data or information to any consumer report as I have no relationship, connection, or marriage with either XXXX XXXX XXXX or XXXX XXXX. 

Any and all consent to XXXX, Experian, XXXX, XXXX XXXX, XXXX XXXX XXXX whether written, verbal, non-verbal, or otherwise is now revoked. 

Any possession of a signature belonging to XXXX XXXX unlawfully in their possession is also rescinded, effective 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
Consumer complaint received 2019-12-04
Company: LEXISNEXIS
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed 2 public records that were appearing on my XXXX  credit report. My repeated disputes have gone unresolved since XXXX of this year. I am now requesting further assistance from an outside source. I am requesting to have two public records immediately removed from credit file. XXXX  originally deleted the two public records on XX/XX/19 from my credit file. However on XX/XX/19, both public records were reinserted without the proper legal notice being mailed to me. Per FCRA Section 611, if any information has been deleted from a consumers file is reinserted, a consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion that the information was reinserted. I was not indicated via mail nor electronic delivery that the two public records were reinserted. I have been disputing this information every 30 days since XXXX and I have gotten no where. In fact I have spoke to several XXXX  dispute resolution specialists, who each give significantly different responses pertaining to the investigation. I feel as if the consumer reporting agency, XXXX  is purposely not removing incorrect information. This is discrimination and illegal.This is causing significant damage to my credit file and my ability to obtain credit. I am requesting to have both bankruptcies, chapter XXXX and XXXX removed, in addition to all accounts that are associated with the bankruptcies, to be removed. My reason to dispute this is that all the information appearing on my credit file pertaining to the public records is false. The address to the court house in XXXX XXXX of TN is incorrect, the case number is not a valid case number and XXXX sent fraudulent investigation results via mail stating they verified via directly with Court, who sent a response denying such. I contacted the XXXX County XXXX XXXX here in XXXX, TN who indicating that the bankruptcy court can not report any information to the credit bureaus as it is illegal. Thus, I can not believe any information that XXXX sends as a part of my re investigations, because they have used illegal practices. Please require XXXX to remove the bankruptcies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2020-01-06
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I reached out to Honda and they agreed to help me out with some good Will by removing all derogatory marks on my credit that was fufilled at the time of working together, up to this day Honda has not kept their word that was sent to me via mail. Which was to remove the lates and so on. They have removed from one bureau but not the others. This 120 days late that still shows on two other brutes is occurred at the time and end of the lease where the car was returned but still reporting under my name after I was told my balance was at XXXX $!

Company response to consumer: Closed with non-monetary relief