BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: NCB Management Services Inc.
State: MO
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 Report Number : XXXX Date Generated : XX/XX/2020 Account Number Starts With : XXXX Collection Company : NCB MANAGEMENT SERVICE Amount Owed : {$9200.00} I am not liable for this debt with XXXX XXXX XXXX . I do not have a contract with NCB MANAGEMENT SERVICE. Neither XXXX nor NCB MANAGEMENT SERVICE has provided me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Social Finance, Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I noticed that my checking account was not being credited for 1.25 % APY for direct deposits and only 0.7 %. I have had at least XXXX direct deposits from my employer ( XXXX XXXX ) on XX/XX/XXXX and XX/XX/XXXX. The Sofi rep I contacted claims the deposits are not coded correctly preventing the crediting of the bonus. She made a unhelpful suggestion to contact my organization to change their direct deposit ACH coding practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, XXXX Dear XXXX, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 



Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 



As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 



Furthermore, I request that you investigate the inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 



I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I got a vehicle through US AUTO Sales and who is now currently backrupted and now westlake portfolio management who is a debt collector is trying to get me to pay for my truck through them but my contract with us auto sales was fraudulent and now no one is available to give any further answers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is with Equifax regarding verifying identity with Social Security and address to place a fraud alert. When I communicate with an agent to place a fraud alert, the agent verifies my data with the information given over the telephone and then places a fraud alert on my file. Note, even though I can provide valid data, Equifax still blocks access to my file. However, when I communicate my concern about the file and the alert, Equifax wants me to send in via mail or in electronic form my social security card and official address. My concern is that a copy of my social security card with the number and a copy official address card was sent in without receiving any response whatsoever. This concern causes me to contact the Social Security System and alert them of my concern. I also noticed afterwards that Equifax was involved in a security breach of which I am part of this incidence. This means that my data is compromised. 
The parties that received the information via mail are Equifax Information Services LLC and XXXX XXXX XXXX who requested my social security card electronically. The entire purpose was to very the identity but uncertain as to what Equifax is doing with my data because Equifax is continuously blocking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions 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:
The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 PXXXX XXXX ) XXXX, XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, EXXXX XXXX XXXX XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
United Consumers, a Collections Agency does not do anything except post allegedly owed debts onto my credit report. Their client never sent us an unpaid bill in XX/XX/XXXX and in fact we never found out that we had a bill that I alledgedly owed for {$87.00} until it first appeared on my XXXX   credit report in XX/XX/XXXX. 

Upong disputing the debt, the collection was removed. 

Then, after being turned down for credit, I sent for a Copy of my XXXX XXXX Credit report again in XX/XX/XXXX and found out that United Consumers was claiming that I owed {$87.00}. Although I did not owe the amount, it was not worth a fight with them, so I paid it off ( see attached -- Proof of my payment in XX/XX/XXXX ) for a " Bad debt '' that I never Received a written notice in the mail or even a phone call about, EVER! 

This year, I found out that my credit score was being harmed again by the the United Consumers, for reporting that I have a collection on file for {$0.00}, and this is harming my credit. 

Please ask United Consumers for proof of attempted collection, and for proof that they have followed the rules by removing a paid debt, that we actually did not even owe to their client. 
They have received 3 or more correspondences form us in the past year, in XX/XX/XXXX and XX/XX/XXXX and they never respond. ( See all attached )

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 2023-07-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Incorrect Previous Address on Credit Report Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding an incorrect previous address listed on my credit report. I have discovered that the credit report from Experian contains inaccurate information that adversely affects my credit history and financial reputation. 

Specifically, the incorrect previous address appearing on my credit report is as follows : - Incorrect Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX - Correct Previous Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX I have thoroughly reviewed my records and possess verifiable documentation confirming my correct previous address. These documents serve as clear evidence of my accurate previous address. 

I kindly request your assistance in rectifying this error promptly. Please ensure that the inaccurate previous address is corrected or removed from my credit report to accurately reflect my credit history. 

Enclosed with this complaint letter, you will find copies of the relevant supporting documents, including [ list the attached documents ]. These documents substantiate my claim and will aid in your investigation of this matter. 

I understand that the Consumer Financial Protection Bureau acts as an intermediary between consumers and credit reporting agencies. Therefore, I kindly request that you forward this complaint to the appropriate credit reporting agency, ensuring a thorough investigation and prompt resolution of this dispute. 

I appreciate your attention to this matter and your efforts in resolving this dispute. Please keep me informed of any progress or updates regarding the investigation. I eagerly anticipate the correction of my credit report and the removal of the inaccurate previous address. 

Also I am no longer employed with XXXX XXXXXXXX. 

Thank you for your assistance in this important matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: NAVY FEDERAL CREDIT UNION
State: IL
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've disputed a late payment with the 3 credit bureau 's and contacted Navy Federal asking for an accommodation because of the CARES Act signed into law in XX/XX/2020. I have 1 late payment in XX/XX/2020 due to the Coronavirus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2022-09-29
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:
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 be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: OneMain Finance 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: Account status incorrect

Complaint:
This account is paid it is not currently a charge off as they just reported again, I constantly dispute this and they just acknowledged it is paid but just reported its current status as a charge off which dropped my score another XXXX points. They conti ir ti falsely report this account, I will be getting a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: M&T BANK CORPORATION
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/24 a check in the amount of {$1200.00} was debited from my joint M & T checking account incorrectly- M & T bank entered the wrong account number to draw the funds from by one digit- the check should have been debited from an entirely different account, owned by a different party, at an entirely different bank! I immediately called M & T who acknowledged the error, & said the funds would be put back into my account within XXXX hours. XXXX hours later- account still shows check being debited & available balance reflects loss. I called M & T again, & this time they told me it could take up to 3 business days, & were unable to provide me with any confirmation that the funds would in fact be put back into my account. Being the end of the month with my own bills due- and the large amount of the check- I'm very upset with the handling of this, I feel as if M & T Bank basically stole {$1200.00} from me. At the very least the bank should deposit funds in that amount to cover the wrongly cashed check. As of this writing the funds are still missing from my account, the check is showing as debited, & I do not know when, or for sure, the error will be corrected.

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 2023-09-23
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for the federal student loan forgiveness program and was initially approved, only to later have the program denied in court. Nelnet, my loan servicer, informed me that the US Department of Education had supposedly issued a {$20000.00} check to offset the negative balance in my account resulting from the canceled program. However, I never received this check, and my attempts to resolve the matter with Nelnet have been limited, with only one phone conversation in early 2023 where they explained the {$20000.00} balance I am now expected to pay. This discrepancy has left me in financial uncertainty and frustration, prompting my complaint to the CFPB to seek a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Branch Messenger, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX XXXX is refusing to pay me in a paper check or direct deposit, instead they are attempting to force me to use a digital wallet called Branch. My request to have a paper check or direct deposit was met with " this is the only way we do it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: U.S. BANCORP
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This all happened today, XX/XX/23. 

The card mentioned " Use anywhere in the U.S. where Visa ( R ) debit cards are accepted ''.

The card is issued by " U.S. Bank National Association ''. The only two places mentioned on the card are the phone XXXX which is an automate only system ( contacted during normal business hours ) and the website www.prepaidgiftbalance.com which does not provide any contact us information besides the phone number. 

The issue : I tried to use my card online at XXXX, payment got declined. Registered the card, tried again, failed, set up a pin and tried again failed. 

Tried to contact the company but the phone system did not provide options besides lost card/check balance/set up pin. Nothing about talking to a person. 

The website support referred me to the phone number. 

I also reported this problem to the FTC. 

I will try to use the card in a store. 

Thank you for your time.

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 2023-09-07
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I '' ve had this problem for a long time. I need the accounts removed.

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 2023-08-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I got a notification from Wells Fargo about an attempted wire transfer and a new wire transfer recipient on my cell phone and I got a call from a Wells Fargo employee asking if I was attempting to make a wire transfer for {$25000.00}. I absolutely was not making these transactions. I was on the phone will Wells Fargo for approximately 45 minutes, during that time the sent me several verification text messages from the same text number they have previously sent me verification codes. I was left on hold for a prolonged time so I hung up and went to my local branch to make a deposit and report & discuss my recent phone call regarding this unauthorized wire transfer. I was told by the Wells Fargo employee that if I did not have an appointment, no one was available to assist me and they gave me a XXXX phone number to call. I once again contacted Wells Fargo and was told someone posing as me made a wire transfer. I informed them that was not the case and I was not making any Transactions. They told me they would stop the transfer immediately and freeze my accounts. That was 7 days ago. The day after I went to my local branch, I returned to the same branch and spoke to the branch manager about all of this. He made several calls and assured me they would resolve this. I called in to Wells Fargo today to follow up as I have got no updates from them at all and was informed my " claim '' was denied and I would NOT receive my money back that they sent to someone without my knowledge or consent. 
I feel like Wellsfargo or one of its employees has stolen this sum of {$25000.00} from 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 explanation