BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
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:
Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of EdXXXX I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-05-01
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:
Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of EdXXXX I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Barclays Bank completely mishandled my account, by placing a decease indicator on my account that rendered me unable to discuss or resolve my account with them. This then led to this account reporting a late payment on my credit report showing for XX/XX/2020, and subsequently a charge - off on my report for this debt. 

The facts are egregious, the mishandling of this is rather silly, and Barclays Bank really does not take any ownership of the mistake they made, nor have they shown any willingness to fairly, amiably, and equitably resolve this matter. 

I understand the confusion that them thinking I am deceased can cause, but once that has been proven to be false, I expected a swift resolution to the delinquent status of the account. However, because of the decease indicator, they refused to accept a payment, ultimately shuffling me between departments for HOURS on ends, from one confused foreign representative to another. Further, I have recently discovered that XXXX had the audacity to place the account with a 3rd party debt collector, further impacting me for something that was NOT MY FAULT.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX # XXXX is listed illegally on my consumer report ( s ) in violation of Title 15 U.S.C.6801,6802,6803,6804 The XXXX XXXX XXXX XXXX ( XXXX ) was written into LAW by Congress and this firm should know it is Illegal for this Financial Institution! ( XXXX ) to transport my non public private information to a non affiliated 3rd Party without initially giving me NOTICE that I have the right to OPT out of credit reporting. This company also can not report this information without my PERMISSION they are blatantly violating my privacy rights which is ID Theft. 
I received no notice from this company and never gave them permission to report this information. I want this information removed 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 explanation
Consumer complaint received 2023-05-01
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:
I have inaccurate accounts and inquiries which need to be removed from my reporting agency asap!

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 2023-07-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: OH
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: IL
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:
How many times did I tell you to removed these accounts from my file as they were fraudulent 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

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 2023-05-01
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 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 XXXXXXXX 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 XXXXXXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: AES/PHEAA
State: CA
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:
On   XX/XX/XXXX  I was offered and granted an administrative forbearance by Fedloan from  XX/XX/XXXX to  XX/XX/XXXX  ( see attached ). After filing a complaint with CFPB on  XX/XX/XXXX  to ask that Fedloan 's negative reporting to the credit bureau be removed because of inaccurate information, Fedloan removed the preciously approved Forbearance two days later and with no specific information to indicate why - see attached letter dated  XX/XX/XXXX .      My most current bill dated  XX/XX/XXXX  ( attached ) shows a balance due of {$1300.00}. This is an odd amount but presumably covers   XX/XX/XXXX  and  XX/XX/XXXX  pay ments due. I am still pending a lower payment from an IDR request made early    XX/XX/XXXX    and was advised to not make payments until the lower amount was approved. The estimated lower payment pe r Fedloan was approximately {$280.00}.      Finally, I am attaching a screenshot taken today which shows my account status with a payment of {$6200.00} due by   XX/XX/XXXX .      This is outrageous and only causes further hardship for me. There is absolutely no way I can pay this amount of money and the expectation to do so only places me at imminent risk of further negative reporting.     I am also beginning to wonder if this action is a form of retaliation because of my complaints made through your agency. Perhaps they would rather sabotage the good standing of my account by removing the forbearance rather than own up to their inaccurate record keeping and correcting their negative reporting to the credit bureaus.     The level of incomplete and inaccurate information contained in my account and the prior negative reporting which is currently under review - is a huge obstacle in my applying for a mortgage loan. This confusion and incompetence has been going on for  five months  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
I have not given you written permission to put anything on my credit profile 15 USC 1681bPermissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 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 XXXXXXXXPlease remove.

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 2020-07-31
Company: Netspend Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/XXXX : I receive a letter in the mail from Netspend concerning an account that I closed back in XXXX. The letter was dated XX/XX/XXXX, and it stated that my account was issued a refund for Foreign Transaction Surcharge fee associated with returns and reversals. 
The letter also stated that this refund was sent to my account on XX/XX/XXXX. 
Again, I closed this account, but if theres funds leftover in it now, then I want my XXXX funds! By the time, so had gotten the letter, their call center was about to close. HOWEVER ... I still called just to see if I could some assistance, but no. Their automated voice bot makes you go through their menu and then while waiting on hold, this bot has the audacity to tell customers to solve our issues online through Netspends website due to the lack of customer support because of COVID-19. So, I sent an email. ( Spoiler alert : I still got no help ). 

XX/XX/XXXX : I finally got a response to my email that I sent yesterday to customer service, and Ill attach a screenshot that shows that customer service just gave me the run around by informing me to contact their support line because theyre unable to help me via email due to data concerns and other XXXX. Yet, their automated voice bot on the support line tells customers to go online and solve our issues ourselves. 

XX/XX/XXXX : I file a complaint to Consumer Finance to let them know that Netspend is using the pandemic as an excuse to avoid helping their customers with their financial problems during a pandemic. 

Note : I attached a picture of the letter, and the unhelpful customer service response to my email.

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 2021-06-22
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

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 2023-08-24
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: Investigation took more than 30 days

Complaint:
I sent a dispute on XX/XX/23 ( CFPB complaint # XXXX ) requesting that you remove these accounts from my credit file. More than 30 days have elaspe and I still haven't receive my desired results. By Federal Law you have up to 30 days to conduct a free and reasonable reinvesitgation pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ). Its evident that this information was not verified therefore you should have promptly deleted these items from my consumer file. Please remove these accounts from my credit file upon receipt of this notice, you're in noncompliance of the Fair Credit Reporting Act.

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 2023-05-01
Company: Nelnet, 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:
Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of Ed/NelNet I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I believe that I am a victim of a fraudulent act. I attended   XXXX   XXXX   which is now shut down. During the time I was attending   XXXX   XXXX  , While I was meeting with the  Financial Advisor , I saw her computer screen and saw some fees that was n't quite correct. I saw that I was being charged for " gas, dorms, food etc. I asked the  financial Advisor  why It says I have Gas and Dorms, food fees if  I drive my  own car and pay for my own  gas & food and m ost importantly I am not staying in a dorm nor the school is paying for my rent. She decided to ignore the question and told me that " it 's nothing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a home from XXXX XXXX in XX/XX/2018 XX/XX/XXXX used Movement Mortgage as one of there lenders I did all my paperwork with Movement Mortgage to receive a MCC Certificate.I tried to use it this year an was directed back to my lender to find out that it wasn't attached to my loan but they had everything I signed to receive it.This is not acceptable from a Mortgage company 30 year loan agreement with missing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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