BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: MO
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:
By there own website it shows they are doing this on purpose for me filing all these complaints 16 months worth of on time never late to XXXX they wiped out and refuse to put back and keep saying they are working on the problem the 4 screen shots of there own website shows this is fraud and retaliation

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 2023-05-05
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FSA loan repayment is not a life time commitment until you die. Who is Nelnet the XXXX? 

All borrowers with loans held by XXXX ( Direct Loans and federally held FFELP Loans ) who have accumulated time in repayment for at least 20 or 25 years will see automatic forgiveness of their loans. 

This is in accordance with the Department of Education 's rules governing repayment of Student Loans. 

My loan was consolidated in XXXX with XXXX not Nelnet and, at that time in accordance with the Department of Education rules for FSA repayment of Student Loans was scheduled to close in XXXX not be transferred to Nelnet and have 3 additional non existent school loans added to my FSA in my FSA loan account. 

Close my loan now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Dedicated Credit Repair
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Was a previous customer for 2 years, paid as agreed for credit repair services. I was not satisfied with the outcome after 2 years of services and end services with them. I posted a review on XXXX  in I would not recommend them because of their outcome of services after 2 years. They claimed to be part of the DOJ and contacted the DOJ in which they were not located. They contacted me on XX/XX/20 to remove my negative review of their services and threatened me with legal action if I don't. As a consumer I have the right to say I was not satified with services rendered. I was harrassed and threatened for not being satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my credit report on XX/XX/2023 and I noticed there were hard inquiries that do not have permissible purpose to be there. These hard inquiries are hurting mefor getting approvals for credit. I have reached out to multiple agencies about this and the issues hav not be resolved. My rights are still in violation under 15 USC 1681B. Iam attaching the hard inquires in question that have no purpose on my credit 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 2023-08-08
Company: Experian Information Solutions Inc.
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:
i want to remove this accout name XXXX, Account no XXXX account open XXXX date of last updated 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 2021-05-17
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Hello back in the end of XXXX i got married and i got a vanilla gift card as a gift from a relative, i activated it and a couple days later i tried to use it just to find out it was already used even the last pennies i never used the card and none used it because i had it in my wallet i contacted vanilla customer service which is very complicated to reach them it took me forever but i got to them finally, i explained them what happened and they said they were going to find out what happened and it has been almost three years and now when i try to check the card it says number is invalid, does not make sense bacause it clearly says it never expires amd the exp date is XXXX and of course i can't get ahold of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: PA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-23
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank is lying saying that theres no funds owed to me from an account that they closed but I have all my statements and proof that money was transferred from my account ending in XXXX to XXXX on XX/XX/XXXX for the total of {$270.00}. Additionally at this time I had no access to funds so I transferred money to my XXXX account that was completed but later reversed leaving me account negative since I already spent some of the money. All this reflects on my statements from citi bank and XXXX but yet they continue to say no money is owed to me. I just want my money and interest since my check was supposed to be sent XXXX and its now XX/XX/XXXX. What they are doing seems illegal and reading online reviews they are stealing from customers left and right. The customer service agents are outsourced and its impossible to talk to someone who can actually resolve the issue its like playing a game of telephone and just waiting around. They are playing with peoples lives and its not ok!

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 2022-08-18
Company: EQUIFAX, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
equifax is has taken more than 30 days and has not finished with my credit dispute they have not removed the XXXX XXXXXXXX XXXX XXXX credit card i disputed or the XXXX auto loan i disputed or the XXXX XXXX card i disputed it has been almost 60 days and they are still listed as in dispute please make them remove them as it has been more than 30 days in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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 never was late on payment to XXXX. XXXX  was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX  submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX  upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX  office twice after move out. This is clearly retaliation by XXXX  b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. The XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to XXXX  & unable to reach rep at XXXX & XXXX. I was unable to submit w/Equifax rep & need resubmitted w/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Allied Account Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Allied Account Services Inc, XXXX XXXX XXXX, XXXX, NY XXXX, phone # XXXX XXXX. I XXXX XXXX in R.I. that rents units to various tenants. These tenants set up individual accounts for utilities with XXXX XXXX ( R.I. ). A tenant did not pay their bills. I called XXXX XXXX, as far as they were concerned, I was not liable, but this collection agency just wanted anyone associated to try to collect. They have reported me as in debt and are trying to ruin my credit rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
on XX/XX/XXXX i was notified by paypal that my account would be limited permanently and in 180 days ( XX/XX/XXXX to XX/XX/XXXX ) i would be able to move funds in my account to a bank. On XX/XX/XXXX i was allowed to move funds from my balance, but I had a goal on my paypal account in which I can not move funds from. I have XXXX USD in this goal and it can't be transferred from my goal to my balance or bank. I have tried to contact paypal Support and the support calling system hangs up on me and my emails have only been received by automated messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PORTFOLIO RECOVERY XXXX {$420.00} past due on a collection account FCRA violation THIS ACCOUNT WAS DISPUTED A NUMBER OF TIMES AND STILL SHOWS VERIFIED ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX has posted inaccurate information to my consumer report. I have not received a correct and true statement since November 2021. I have attempted to contact them but haven't received a response. This is a billing error and needs to be fixed so i can pay my credit card. This inaccurate information on my consumer report needs to be fixed so i can apply for more credit. This adverse action on my consumer report has affected my ability to move into my apartment. I want to continue to do business but i haven't received a statement at ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 non-monetary relief
Consumer complaint received 2023-10-21
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I saw an offer for an XXXX XXXX XXXX and I negotiated the price down to {$500.00}. We agreed to pay with XXXX XXXX XXXX XXXX and I transferred {$500.00} to XXXX XXXX XXXX, whose email address is XXXX. She then complained that her account got locked and she could not do anything. She asked me to cancel the transaction and I called XXXX to dispute the money. XXXX said I would get an update by XX/XX/XXXX. 

Because she asked for a cancellation, she then asked me to send her another {$100.00} through Zelle, with the contact information XXXX. I did that ( transaction number XXXX ), but then someone with the phone number ( XXXX ) XXXX sent me a message on XXXX, XXXX to be Zelle. They said " ZELLE : for your protection, your {$100.00} payment to XXXX XXXX XXXX was refunded. {$100.00} has been returned to your bank account and will be available on Wednesday ''. I did not trust the number, so I asked her about it. She said that she forgot to mention that in order for her to receive the money, I should have sent her another {$5.00}, so the total would be {$100.00}, because her bank charged extra fees. That sounded very weird to me and I said I would not transfer anything else before I got my money back. 

Then she said that she would be busy tomorrow and if I just sent her another {$100.00}, then she could ship it on that day with next day delivery. I said I only had {$55.00} left, so I transferred that amount to XXXX, with the transaction ID XXXX. After I transferred her the money, she never sent me a tracking number. She said I needed to pay more and when I asked for proof that she had shipped it, she just sent me a random XXXX  image from XXXX. Until this day ( XX/XX/XXXX ), I still have not received the phone and when I asked for a refund, she refusedtogivemeone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE THESE INQUIRIES 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 2020-10-01
Company: Advanced Resolution Services Inc.
State: MS
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 company has been notified on multiple occasions that they are reporting inaccurate information on my credit report. This company continues to violate the fair credit reporting act by falsely reporting information. They are showing that the information was provided by the US BANKRUPTCY COURT. I have sent this company a letter directly from the court stating that they do not furnish information to 3rd parties. They continue report this when I have informed them that its being reporting inaccurately. I demand for this company to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
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: Account information incorrect

Complaint:
In my husband 's CFPB complaint XXXX ( XXXX XXXX ), he stated : TransUnion continues to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on his credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. To make matters even worse, the TransUnion credit reports state that the account will stay on the reports until XXXX which is over 12 years after we filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after our Chapter XXXX was discharged. 

Via his CFPB complaint, my husband successfully had the XXXX HELOC removed from his credit report. As the HELOC account was a joint account with me and husband and the Chapter XXXX bankruptcy was a joint bankruptcy with me and my husband, I am in the same exact situation as my husband. Thus, as with my husband 's credit reports, the XXXX XXXX should be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/XXXX I submitted three accounts ( XXXX XXXX, XXXX, and XXXX XXXX ) in charge off for investigation as there were errors in the accounts and they came back as updated rather than deleted like I requested as they had 2+ years to report correct information and now that its modified it further dilutes my credit report making it hard to find the factual information from the modified. And upon them conducting their investigation there is no way the investigation was done properly because 15 U.S. Code 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. How could they have done a proper investigation. Also they violated my right to privacy. Not only that but once an account has been charged off the payment history can not continue to report charged off

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