BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX {$29.00} Date XX/XX/2018 acct endin XXXX In accordance with the Fair Credit Reporting act 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 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 2023-11-29
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
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 confidentially under 15 USC 1681.

In accordance with the Fair Credit act XXXX  Account XXXX XXXX, has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 explanation
Consumer complaint received 2020-03-25
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: Information belongs to someone else

Complaint:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
XXXX  : XXXX XXXX XXXX  XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX   {$12000.00} XXXX # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX  # XXXX {$4200.00} XXXX XXXX # XXXX {$9400.00} XXXX/XXXX  # XXXX {$6900.00} US DEPT OF ED/XXXX # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00} EQUIFAX : XXXX XXXX XXXX  XXXX # XXXX {$510.00} XXXX XXXX XXXX XXXX # XXXX {$12000.00} XXXX XXXX XXXX  # XXXX {$1400.00} XXXX/DEPT OF ED # XXXX {$1000.00} XXXX XXXX  XXXX  # XXXX {$4200.00} XXXX  XXXX  # XXXX {$9400.00} XXXX/XXXX # XXXX {$6900.00} US DEPT OF EDUCATIO # XXXX {$1000.00} US DEPT OF ECUATIO # XXXX {$1000.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans are current and in good standing according to the National Student Loan Data System by the Federal Student Aid which is an Office of the U.S. Department of Education. I have sent several rebuttals to the U.S Dept of Education and I have also done credit disputes about the U.S. Dept of Education still showing on my credit report, when all my student loans are with NELNET and are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

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 2022-01-24
Company: KEYCORP
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I had a relationship consisting of a checking account, personal line of credit, and a credit card with Key Bank. All of a sudden all XXXX accounts were closed within the last 10 days and the only explanation I got was that the bank has a right to make that type of closure. They told me that that I am excessive risk and I feel it is merely a ploy of an excuse. My credit card is paid off every single month and I usually keep my reserve line of credit at a {$0.00} balance unless I need it for an emergency, etc. My checking account has very little cash deposits and I do not overdraw my account to incur fees. My credit score is pristine ( XXXX range usually - changes monthly ). 

My personal line of credit just renewed in XXXX and I had to pay an annual fee of {$50.00} to cover the annual dues for period XX/XX/XXXX through XX/XX/XXXX. After receiving this account closure notice I requested a refund of the {$50.00} fee paid ( I even offered to accept a pro-rated refund of the unused portion ) and the telephone banker told me that they were unwilling to provide such a refund. 

This is unfair and abusive to close my account down in such a manner as I have been a very responsible individual and maintained a positive relationship with my accounts. I feel that as a consumer I am entitled to a detailed reason for account closure and why I am treated unfairly. I am asking for a detailed reason not some general excuse. This is quite irritating and has me very upset as I must now spend time and resources to go and establish a new account somewhere else. The reason I'm upset is that this is now going to hurt my credit file since the creditor closed the account rather than myself taking the initiative to do so. Other potential new creditors will see this reporting and it may impact my ability to secure a new relationship with another financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: MN
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:
Attached to this complaint is a letter from XXXX XXXX for proof that the XXXX XXXX XXXX XXXX account currently listed and showing on my Experian credit report is a fraudulent account and not my account. The XXXX XXXX, XXXX account is also a fraudulent account and not my account.

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 2023-11-14
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I submitted an application for the XXXX last year and was initially approved at a reasonable amount, however when I logged in in XXXX in anticipation of repayment starting back up, I saw that MOHELA was now charging me around {$3000.00}. I called them, and they told me they would fix it on their end. It took XXXX months, and they finally made an adjustment, and are now showing I owe {$4000.00}. My spouse and I had an adjusted gross income of {$550000.00}. I have a family size of XXXX, and my spouse has {$310000.00} in federal student loan debt. Based on this information, my payments under XXXX are estimated to be {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Nelnet, Inc.
State: CA
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:
Nelnet is reporting late payments on two of my student loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an Income Based Repayment plan. My current payments are {$0.00} per month. When disputed with the credit bureaus Nelnet has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 in the morning, I received an email from Wells Fargo alerting me that my Everyday Checking Account was a - {$47.00}. Early that afternoon, I went to my branch office and made a cash deposit of {$50.00} to clear up the negative balance by depositing {$50.00} in cash. Today I received another notice saying that I had a negative balance of the same {$47.00} even though I clearing up the issue the day before. Now however a {$35.00} overdraft fee was added in a very complicated way. I called the bank at XXXX this morning and spoke to a customer service rep who then explained their very complicated accounting system telling me that no matter if you have funds in your account and a purchase was deducted from your account for this purchase which reduces your available amount, if the merchant submits his payment request 3 days or a week later - if your funds are low at the time of the merchant request for payment, and you don't have enough in your account, you will be charged an overdraft fee ( if the bank decides to pay it ) regardless that the purchase amount was deducted when you made the purchase 3 days or a week ago. I believe that Wells Fargo has been scaling people with low balances. Wells Fargo has really hit me hard with fees since I have been depositing my COVID 19 unemployment checks. I tried to get the bank to waive this recent fee but to no avail. Help

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 2023-11-24
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 i made a payment electronic bank to bank, the bank never recieved, i requested return my money they said they can't. Now they sent me a verification file number, transaction number and address, this address is not bank in this address, i being calling XXXX times to try to get help with this bank i have not help, i do not know where my money is i paid {$810.00} dollars i need a help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I never authorized them to take out this money and they went into my bank account and took the money out I tried to relog in to my XXXX  account and they changed my password my everything on there that I can't even go into my account to see what happened or to see what money is still in there nothing and the bank is saying that they can't help us due to the fact that it was their account and it was logged in you know with our bank so they are saying that it isn't fraud well it is fraud because it wasn't me I never authorized these transactions and they were still taken out and I have been robbed please help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CITIBANK, N.A.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After filing complaint # XXXX, CitiCard provided ~ {$700.00} in relief when they owe me much more. I am still receiving letters from CitiCard stating that they have reversed the previous credits and do not have a way for me to escalate my claims. They just keep starting new investigations. On my call today, I discovered that there are more than XXXX {$99.00} charges ( ~ {$29000.00} total ) from XXXX on my account. These charges are all fraudulent but CitiCard wants me to be responsible for them. 

The other merchant involved in this claim are : XXXX XXXX, XXXX and XXXX XXXX. 

I have also asked CitiCard repeatedly for an account of all of the fraudulent charges so that I know what I actually owe them. This information has yet to be provided to me. Im sure this as difficult exercise because CitiCard let this fraud go in for so long. My refund must include all of the interest I have paid to the company as well. 

Today I requested to discuss these atrocities with a supervisor by have yet I be contacted. 

Even though I have locked my account, fraudulent transactions are still being added. 

Ultimately, CitiCard is investigating and interrogating me and not the actual perpetrators I this crime. This and all the facts stated above are completely irresponsible.

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 2023-11-29
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 2023-11-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters out XX/XX/2023 to Experian, XXXX, and XXXX, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information 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 2023-11-29
Company: Nelnet, Inc.
State: GA
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 began disputed non factual information on my credit report and illegal practices of dept of education/Nelnet on XX/XX/2023. They claim that they are not in violation which they are along with XXXX XXXX and XXXX. Nelnet has a contract with department of education which violates my privacy and several consumer rights. Proof is a letter they sent XX/XX/XXXX they state they dont have to disclose the right to opt out when 15 USC 6802 ( b ) A states that a financial institution can not disclose non public information to a 3rd party unless they allow the consumer information and opportunity to consent which i the consumer never did. The cra are 3rd parties furnishing private information on a public record. These accounts need to be removed. Also all 3 bureaus are NOT reporting the same information on the same accounts which is another violation. XXXX and XXXX are still investigating the matter meanwhile XXXX falsely claims to have investigated the matter. Each bureau should be on the same accord. XXXX and XXXX report late payments which is a violation of FCRA to furnish late payments because they are considered transactions. XXXX has a higher balance where XXXX and XXXX doesnt. This was not a matter to investigate. It should cease and desist from furnishing private information to a public third party without my consent or option to opt out. How did XXXX make a decision before Nelnet. XXXX closed their investigation XX/XX/XXXX meanwhile Nelnet made their decision XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: IL
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 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 agecy can not fumish a account without my written instructions XXXX. XXXX XXXX Account number : XXXX Amount {$1800.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Synovus Bank
State: CA
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 had sent over dispute and credit validation letters to all three credit bureaus and directly to each companys address. On the date of XXXX XXXX to all three credit bureaus. I didnt not get any credit validation, I just got basically my credit report from each just stating its remaining on my credit with out verification or proof! I then sent dispute and credit validation letters on XXXX XXXX and on XXXX XXXX to all three credit bureaus and main reporting companies on the account and got the same results no proof of validation or verification! I just got back basically my credit report and for the credit validation I never got any reply from any of the reporting companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: FC HoldCo LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling me 5 or 6 times a day. Leaving voicemails. Even asking them to stop

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
My information was marketed and sold to unknown individuals or entities during XXXX data breach. I was in confinement in XXXX from XXXX XXXX to XXXX XXXX. I have not applied for anything but 1 card since my release and there are several cards and items reporting on my credit.Several items on my credit report were fraudulently obtained by another person and I am attaching proof that XXXX acknowledges that I was a victim of their data breach. I have disputed items several times and XXXX has done nothing to help me. Please assist in deleting these negatives, inquiries and illegal items from my credit report please. I will attach the proof that XXXX has admitted that I was a victim of this data breach bye allowing me to submit a claim during there recent lawsuit.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: VA
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 did Not authroize these inquires and need them removed I tried to contact the Bureaus and they did not remove them and it is a violation according to 15 U.S. Code 1681 c-2 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 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