BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the SAVE Federal Student Loan program the day the application was available through my student loan holder, NelNet. They just approved my application yesterday for the SAVE program where my payments and interest will be waived for one year ( until I re-qualify ). I am a single-mom of XXXXXXXX XXXX children and have a XXXX XXXXXXXX XXXX XXXX against my soon to be ex-husband. I am on welfare and food stamps because of his unwillingness to support his children. I can understand charging back interest from XXXX if someone was NOT approved for SAVE, but charging interest of {$1300.00} while their company took FOUR MONTHS to process an application is just morally wrong when it's someone who qualifies for XXXX payments and interest on SAVE due to being extremely low income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and XXXX, Equifax, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called to ask a question about my account. The bank asks you to verify yourself through the Bank of America app. When I fried to do this, the verification did not work. 

I subsequently called back and tried entering the last 4 digits of my SSN. That did not work either. 

Their entire automated system is not working and needs to be fixed.

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and XXXX, XXXX, and TransUnion are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing

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 2023-01-16
Company: EQUIFAX, INC.
State: NY
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 is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Numerous times i have contacted trans union to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX. If you can not show me proof on how these accounts were verified, please remove them.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX 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 non-monetary relief
Consumer complaint received 2022-10-06
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 was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

Loan Information : Account number : XXXX Account owner : 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 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2022 Made a credit card payment of {$780.00} at Bank of America atm on XXXX XXXX XXXX in XXXX FL. The machine malfunctioned, ripped one of the XXXX dollar bills and sent the corner out with a receipt stating that the cash was not credited and to call a phone number and make a claim. Made the claim, and was told it was would rectified in 5 days. Followed up today and was told that it could be 60 days and there is nothing else that can be done. It is extremely stressful to not be able to get any confirmation of where the {$780.00} went and to wait two months for it to be credited to me.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent numerous messages and attmpted to call TRANSUNION to have htem investigate a PAID deorgatory medical bill on my report. they hang up on you and never reply to the comaint on the website. 
XXXX rectified the issue in a few hours XXXX has a unpaid bill on my report that has been paid for in full! 

transunion has a out of the county customer service dept that hangs up on toy when they dont understand the question

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 2019-09-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
OneMain Financial, ran under the direction of the XXXX XXXX and the District Managers of XXXX and XXXX  in Michigan force licensed agents to include all optional credit and non credit product premiums into the loan quotes when selling or offering OneMains loans to consumers.  They have set a sales goal and this goal directly reflects your personal ranking within this District and Region and is used to evaluate your performance on a month to month basis. Your job at OneMain is contingent upon meeting this laid out sales formula to increase premiums for the profit of OneMain and NOT to disclose or be transparent to any of the consumers.  The company also tried to steer away from any customer who is over 70 years old as they cannot sell insurance products to them due to age as it reflects the sales numbers for  optional products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am extremely frustrated with all of the major credit reporting agencies ( XXXX, TransUnion, XXXX ) and their antiquated algorithms for credit score calculations. I have paid off ALL credit card accounts every month, paid my mortgage on time, etc. for 7+ years - yet still, if I have any sort of increased expenditure for a given month - even though it is paid IN FULL at end of the month - it still has a NEGATIVE IMPACT on my credit score if/ when my credit card utilization for a given month exceeds 30 % even though it is paid off IN FULL each month! This is total XXXX & needs to be FIXED. I am so tired of my credit score fluctuating from the low to mid XXXX to over XXXX & the only reason it dips below XXXX is due to greater than 30 % credit card utilization in a given month. This is total XXXX as to a reason for why my credit score should drop ( however temporary it may be ) & I am tired of the credit bureau agencies doing what they want to & totally XXXX over consumers because they refuse to UPDATE their credit score algorithms to something that makes sense. I am a financially responsible consumer who has larger expenditures from time to time- as pretty much ALL CONSUMERS DO- but always pay them off in full within the 30 day cycle. WHY should I be penalized by a 50+ point credit score drop in a given month merely because my CC utilization goes up from time to time? This makes NO sense & is a totally arbitrary factor in calculating a credit score & needs to be FIXED. I want a response & I want ACTION to resolve this ridiculous factor that goes into a credit score calculation. Makes NO sense & causes stress on many consumers for NO GOOD REASON.

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 2018-10-23
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: Information belongs to someone else

Complaint:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX XXXX my ATM card was allegedly swiped at Wells Fargo in XXXX NJ multiple times to withdraw money from my account ; however my card was in our apartment in XXXX XXXX NJ and I was on the beach with my husband in Point XXXX XXXX NJ from XXXX to XXXX. From the multiple attempts one went through and {$1000.00} was stolen from my account. The debit card in question was a fresh replacement after another recent fraud. Nobody ever had access to my card, and nobody ever had access to our apartment- we have cameras both outside and inside. I used this new debit card only once - at the Wells Fargo in XXXX NJ to deposit money on XX/XX/XXXX. I am the only person who knows the PIN to this card, and it is not a personally chosen PIN but the one the bank gave me. Also, I don't think the PIN was even used for this transaction as it shows up as a swipe. I received no communication from Wells Fargo to approve these attempts, the only communication from the bank was after the fact, to verify the transactions - after the money was already gone. When I saw the text message I immediately called Wells Fargo to report the fraud. 

I don't think Wells Fargo is taking this case seriously. Somebody has stolen literally all my savings and I am left without money and without help. Nothing has happened in 10 days. 

I have also filed a police report, with the below details : XXXX XXXX POLICE DEPARTMENT CASE # : XXXX XXXX XXXX : XXXX DATE : XX/XX/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 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern regarding the presence of fraudulent items associated with my profile. I have recently become aware of the existence of these items and am deeply troubled by their presence. 

The fraudulent items in question include unauthorized transactions, false information, I have attached supporting documentation. 

I understand that your company takes matters of fraud seriously and is committed to maintaining the integrity of its services. However, the current situation has caused me significant distress, and I am seeking prompt and effective resolution to rectify this matter. 

I urgently request that the fraudulent items be removed from my profile at the earliest possible time to prevent further harm and safeguard my personal information. 

I request a thorough investigation into the origin and circumstances surrounding the fraudulent items. Understanding how this occurred is crucial to prevent future occurrences and to hold responsible parties accountable. 

Clear and timely communication throughout this process is essential. I request regular updates on the progress of the investigation and the steps being taken to address this matter. I am asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: AL
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 submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I've called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ACIMA CREDIT, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Summary of complaint submitted : XXXX I have received a response back from cfpb in the mail. In the mailed package it included information from the company that responded. In their letter they have acknowledge the harassment which is a ( Violation ) after I asked them to take me off their call list as well as cease and desist all actions. They forgot to add, or more like omit that I have told them verbally and in writing that this isn't my account nor debt. 
In there drawn out letter that basically states to my understanding that they refuse to remove fraudulent reporting that they illegally placed on my personal credit until they get a police report. Another inconvenience to the consumer that's a victim to their fraudulent practices and identity theft. To add insult to injury : The company gave cfpb a copy if a Lease Purchase Agreement with a ( fraudulent/ signature forgery ) forged signature with my name on it. This alone is a huge red flag. I'm sorry to State the obvious that I actually sign all documents in cursive writing, ( * My generation was taught cursive writing signing and writing * ) I never use a print like signature especially not as perfect as whoever forged my name. That's crazy to see my name forged ( wow ). On top of that : the agreement was dated XX/XX/XXXX which I was in XXXX XXXX, Texas on XX/XX/XXXX. According to this fraudulent agreement dated and in the company 's response letter on XX/XX/XXXX I seen a retailer in XXXX, Georgia. Interesting to know I was in 2 places that actually is approximately 15 hours away from each other and 3 states apart.

Clearly I have enough evidence from the company 's fraudulent agreement with a forged signature, and date. Plus a direct letter stating the company continued harrassment : according to the response letter the company noted twice documented harassment calls. I directly claim several incidents. Apparently the law is the law and two is sufficient enough. Also, acknowledging that this isn't my account. 
I have reported the fraudulent activities to the : FTC ( Report # XXXX ), FTC holds sufficient weight as a government agency. 
CFPB XXXX  And to the company I have verbally asked the company to cease and desist, and in writing. 

*I 'm attaching a few documents with my hand writing and signature for cfpb to see the company 's fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have opened several disputes regarding incorrect reporting for XXXX years for XXXX and XXXX Account # ending XXXX, that was closed by the merchant in XX/XX/XXXX, due to the store closing. The account was never late since it was opened in XXXX. In XXXX I called the merchant to request a settlement for the balance since the account was already closed, and I was approved and made the agreed payments on time. The final payment was made in XX/XX/XXXX, as agreed. It appears XXXX XXXX has been reporting the account as a charge-off due to delinquent payments even after I have provided all pertinent documents to prove the on-time payments, including receipt of payments for XX/XX/XXXX thru XX/XX/XXXX on bank statements, company statements, and also the many letters I have received from XXXX XXXX with conflicting account states of both never late and past due which I have included again in this complaint as well of my current credit reports from XXXX reporting excellent payment history but still reporting late payments, and TransUnion reporting the account with XXXX information and delinquent. When I spoke to a XXXX XXXX XXXX at XXXX XXXX regarding Case # XXXX @ XXXX XXXX XXXX, I was advised XXXX # XXXX was sent to all three credit bureaus reporting no late payments. Settled prior to charge-off with XXXX rating, however I received a letter dated XX/XX/XXXX, showing when I agreed to the settlement the account was past due, which was incorrect. This error has continued to affect my credit worthiness, and I have not been able to secure a loan causing a hardship. I would like the issue to be re-investigated and be forwarded information from the investigation ex. dates of late payments that proves the delinquency and resolution. I would also appreciate the reporting be corrected once and for all. Please refer to CFPB complaints XXXX, XXXX, XXXX from XX/XX/XXXX. Thank you.

Company response to consumer: In progress