BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have 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 2020-07-02
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : 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 2023-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in a debt consolidation program I thought these were taking care of the calling my work, threatening letters the millions of calls is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX I enrolled in a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completed 5 years of my masters as a full time student and than was involved in an XXXX. Left with a XXXX XXXX I was unable to finish and obtain my license to make money. My student loans ( XXXX XXXX, XXXX and plus loans went into default ). 

I was granted XXXX XXXX According to XXXX- XXXX onset XX/XX/XXXX, date of entitlement- XX/XX/XXXX - medical review XX/XX/XXXX with a 3 year review status The treasury did a TOP offset to my check for $ XXXX. 

***Social security administratioXXXX NEVER reviewed meIN 3 years instead they forwarded me a letter that : *** I DID NOT NEED TO BE REVIEWED. 

It is now 7 YEARS LATER. 

According to XXXX discharge form with NELNET,- with a XXXX year NO REVIEW, I can ask that my loans be discharged. 

I forwarded NELNET the letter of no review needed by SSA. 

NELNET declined my TPD due to SSA having me listed as 3 year review! 

HOW DO I GET SSA TO CHANGE MY REVIEW LETTER TO 5-7 YEARS SO NELNET WILL APPROVE THE TPD DISCHARGE? 
I am currently still receiving XXXX  - XXXX XXXX XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX, we opened Citi Bank accounts for their promotion that said if we transfer {$50000.00} after 90 days they would deposit {$700.00} into our account. The money was deposited on XX/XX/2021. It has been 210 days and numerous calls to Citibank and we still have not received our {$700.00}. They have claimed we did not send back our W9, however we have sent it to them twice. Every time it's a new issue and a reason for not providing us the money from their promotion.

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 2020-08-21
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:
Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by equifax or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 2019-08-07
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have continuously paid my mortgage on time since the year XXXX. My payments were automatically set by allotment ( monthly ) while serving in the active XXXX. 
My allotment was juggled between finance companies : Greentree Financial, DiTech ( current ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as successors to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, as successor XXXX XXXX and XXXX XXXX, as Trustee of XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX vs. XXXX My allotment suddenly changed to a Life Insurance Policy without my approval or a change allotment of my automatic payment. 

The following Company : Conseco LIC and Conseco Finance XXXX XXXX, hacked my allotment from Ditech ( current ) and without any notice ... DiTech placed my account in the negative. 
In XX/XX/XXXX, I called DiTech to make them aware of the Conseco Company receiving my payments. DiTech was not acknowledging Conseco and stated that they will investigate the issue. Ditech sent me a letter ( XX/XX/XXXX ) stating that all financial transactions stop until the investigation was complete. 
I did not receive any reports about the investigation after 30 days, as promised by Ditech Financial. 
MY HOUSE IS IN FORECLOSURE ( Sale XX/XX/XXXX ). 
I am waiting on the investigation report that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Graduated from XXXX University in XXXX. I couldn't get a job paying the {$700.00} a month payments they require. I went into forbearance for years. I've worked 2-3 jobs the whole time. I was put into collections even though I was told {$0.00} a month based on my income. I was then put on a {$5.00} a month plan. I had to stay current for 9 months to get out of collections. I've been out of collections a while now. They are showing on my credit report as open but up to date. I am trying to buy a home as I can not afford rent. My credit is good besides these loans showing on my account. I was told by Nelnet and my loan person to file a complaint today XX/XX/XXXX. I am paying as much as I can towards my loans after the bills are paid. I'm living in a tiny apartment with XXXX children of the opposite XXXX in the same room. I have to move. Buying is cheaper than renting. For my rent price, we can all have or own rooms. I am about to move out and increase my rent by {$200.00} dollars. That means we eat less. I make to much money for assistance with food. I'm trying my hardest to settle down and make higher payments to the loan company but I'm going to be pushed right back into collections over this being on my credit. I have already gotten a better job. I'm still working 2 jobs. I'm slowly moving up in the world. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacting by a gentlemen regarding purchasing a companion airline pass. I was told that if I utilize XXXX to make the payment and the services will be provided. Once I made the payment the person deleted and blocked me. 
I contacted my bank and they advised me that the disclaimer that XXXX has states that they are not responsible for refunding me back the money. I contacted XXXX and was advised that they will not as well. 

My bank is chase bank. 
I used XXXX pay to complete transaction. 
Person involved is XXXX XXXX ( fake name ) Amount of  transaction. XXXX Date of transaction XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I ca not speak to a bak of America representative about my account and it has been over 3 years, they refuse to talk to me about my acct. And is violating federal law.

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 2017-07-06
Company: EQUIFAX, INC.
State: NY
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:
My complaint is against Equifax : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that Equifax were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. Three separate disputes were filed with Equifax ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : Equifax Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, Equifax is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XX/XX/XXXX Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from XXXX and XXXX credit reports, although when comparing them the payment history does not report the same patterns ... see XXXX and XXXX attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your assistance in recovering a portion of the data in my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX Balance : {$990.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Re : US BKPT CT IL XXXXXXXX XXXX To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. 

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. 

Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
My identity was used to open a fraudulent account with a credit union named XXXX XXXX XXXX XXXX in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them along with Experian to file a second complaint with this issue. There is also someone elses address on my credit report which they say they will be removing. I need to resolve this issue immediately because its affecting my credit score.

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 2020-06-18
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I noticed fraudulent charges in my trade account with Robinhood, and i contacted them immediately. 

Someone had gotten access to my account, sold all of my stocks, and transferred all the funds out. 

I first notified Robinhood of this on XX/XX/XXXX via email. They have no number for me to call. 

Aside from asking what transactions were fraudlent and for me to proivde ID they have no responded to me since. I've continued to email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but have no received any response other than an automated responses on XX/XX/XXXX saying thanking me for providing the information ( which was provided on XX/XX/XXXX ). 

I contacted their XXXX  account on XX/XX/XXXX as well asking for a number to call, but have been told they do not have any help line and that they would escalate my case.

Company response to consumer: Closed with explanation