BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been fighting with XXXX to remove the student loans from my credit as I have never been in default status for them to report to the Credit Bureau due to my low income for the past 25 years. I was always on Forbearance or Forgiveness program and have never, ever made a payment due to my income, therefor never reaching a default status for XXXX to report delinquent or any missed payments. I have written requests and complaints over the past ten years, only to be ignored. I am physically XXXX as of XX/XX/XXXX. I have repeatedly submitted VA Notice of Reward letter and well as the required, completed application signed by both myself and my Physician, yet Nelnet continues to document that information is missing, every other time that I call to check my status. I have spoken with several representative since XXXX of XXXX. Some of the representative informed me that all documents were indeed signed and completed as requested and that I merely had to wait the 120 day wait period for them to make a determination to resolve my accounts and have them removed from my Credit report. I feel as though I am being taken advantage of due to my XXXX, that NELNET and XXXX continue to ignore the proven facts and/or deliberately falsely stating that information is missing when they have had several completed applications in the past three years. I was advised by a legal representative to first file a formal complaint once a again, but submit a complaint to the Bureau of Consumer finance. I am requesting that NELNET and XXXX use the completed forms that I have continuously resubmitted. Which as I mentioned should have never been reported to the credit bureau as default or any negative reflection. Documentation available with NELNET and XXXX but can be proven by dates signed as per my doctors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$1100.00}.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 15 U.S.C 1681 Section 602 A : states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that 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 2023-05-12
Company: Experian Information Solutions 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:
On XX/XX/23, I disputed XXXXXXXX XXXX XXXXXXXX on my credit report. A few hours later, I received a notification stating this item was deleted. However it remained visible on my report. Is it humanly possible to completely verify data in a few hours after receiving it? Also, Experian blocks all previously disputed items online. How can I correct errors, if I am not given the opportunity to do so? I have been playing the reinsertion games for months. 

I made a dispute with Experian on XXXX XXXX, It was accepted. I disputed an inaccurate, unverifiable collection items. The name of the company XXXXXXXX XXXX XXXXXXXX. It was accepted with XXXX and on XXXX I received an update where it had been deleted. On XXXX the XXXX, XXXXXXXX XXXX  XXXX flagged my account as a collection. This happened with Experian, and XXXX. 

Experian sells my data to furnishers, under its umbrella company Clarity Services. How is this legal? Experian does not protect consumers, it protects the bottom line! This is unethical and absolutely unacceptable. How long will you allow this type of behavior? The credit bureaus are out of control!

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 2023-10-02
Company: Experian Information Solutions Inc.
State: NC
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:
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.

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 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The card is a capitol one quicksilver card. 
There was a charge from capitol one travel on my card. 
I spent 1 hour trying to resolve it, nothing was done. 
Then I spent another 20 minutes at which time the card was locked, so right now I have no credit card that I can use. These are both capitol one companies ... and they are treating the credit card customer like XXXX. They will not talk to each other and resolve the matter. 

Plus, all 5 customer service people that I talked with were pretty rude. Women in XXXX do not need to be referred to as " Miss '' XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out XXXX of XXXX, in my move out statement I noticed several fraudulent charges. Ive been back and forth with my apartment complex who wouldnt own up to their negligence. I never received written notice from the debt collector. I spoke to them for the first time today XX/XX/XXXX after retrieving information from the apartment complex corporate office. I told them I wanted to dispute the charges to which the guy I was talking sympathized where I was coming from and said they would help me and after a few questions they said they would lower my bill from {$2100.00} to about {$1800.00} and make it all go away. I was charged for an unregistered pet who is an XXXX  dog. Has been a service animal since before I even moved in and I maintained her paperwork the entire time I lived there, I still have her paperwork and the office never once asked me for it. They charged me for a gate card which I have a picture of where I left it along with the keys in the kitchen drawers like the move out instructions stated but they didnt charge me for the keys but managed to charge me for the gate card. I was charged for a full repaint of the apartment and the only evidence they have was some wall sticker decorations the size of a basketball on my bedroom wall. The stickers are easily removable and do not chip the paint when you peel them off. The paint on the wall of the apartment was in perfect condition. They tried to say the mattress in the apartment was missing but in one of the pictures provided you can clearly see where I left the mattress next to the refrigerator in the apartment. I was charged for a shower head that was left under the sink when I replaced it with my own personal one with the extension cord. I was charged a pest control fee when there were bugs already in the apartment when I moved in and they had pest control coming to the apartment on a monthly basis while I was living there. There is {$830.00} worth of charges on my movement statement that I disputed and they were only willing to knock down {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a large check at the XXXX branch on XXXX XXXX,2019. Today is XXXX XXXX,2019 and I still do NOT know if the check has cleared! This despite my asking several people at the XXXX, XXXX, and XXXX branches! Incredible! Astounding! Appalling! And they call this a bank?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
THIS ACCOUNT IS CLOSED AND PAID IN FULL AS OF XXXX XXXX I HAVE FILED DISPUTES AND FILED WITH CFPB. THIS INFORMATION NEEDS CORRECTED WITH THE SUPPLIED SUPPORTING DOCUMENTS.

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 2023-06-20
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-05-27
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
ive had a wells fargo account for over two years and today tried to transfer money to a linked external bank account and it told me to call customer service to verify my identity at XXXX they said both my phone numbers werent eligible to be used to verify my identity. they put two cases in one for number XXXX with reference number XXXX, XXXX with reference number XXXX they said it will take 5-7 days to make them eligible. my account number is XXXX checking and XXXX savings.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion has had two separate FTC report sent to them despite the law stating that it is not even needed for inaccuracies but yet they choose to ignore what is being sent and continue to send stall responses as to why they cant use it they have been withholding the documents way pat 7 business days any accounts are still invalid.NO consent is in fact a form of idenity theft. they need to be deleted 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 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After being a valued customer with Capital one bank for over 10 years, every single credit card that i had with them was abruptly closed without adequate explanation. This is in violation of federal consumer and credit laws. This has caused me and family emotional and financial stress, as a Consumer who has banked with this company and received services from and given my services to i am appualed at this discrimination. I am the original creditor, and my business has allowed for capital one to receive an abundant amount of money and interest from me banking with them, giving them more business by word of mouth, the ability to extend loans to other consumers, the use of my social security card number to receive funds, insurance and interest from the use of my signature, social security number and applications. all the while they have raised interest fees, added on additional fees and and have closed all my accounts, which have been my very first accounts. I don't believe that Capital one bank has acted in good faith or in inequitable manner for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Receivables Performance Management, LLC
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:
Receivable performance collection agency illegally reported a fraudulent account to XXXX and XXXX using another account number. The previous dispute was accepted and deemed as fraud ( police report and ftc report submitted ) and account was removed. Collection agency then reported again using a new account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have recently reviewed my consumer report and there was several inaccurate information listed as personal information that does not belong to me such as spelling of names, unrecognizable addresses and phone numbers. I sent a communication on XX/XX/22 to Transunion with written instructions Pursuant to 15 U. S. Code 1681a ( d ) ( 1 ) to have it removed. The names are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inaccurate information is still on my consumer report after allowing 30 days to have this issue resolved.

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 2023-03-23
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX  Balance : {$4400.00}

Company response to consumer: Closed with explanation