BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have paid XXXX  towards my student loan. The payments made in XXXX and XXXX of 2021 have never been applied to my account. Therefore I asked that they be refunded to me. It's been over 6 months of making my last payment and they have not returned my money or applied it to the account. I have names, emails, constant calls, recordings and so much information that my next steps after this if there is no resolution is to file a small claims motion and sue them for the money. They continue to lie to me and the CFPB. Checks were never issued nor mailed. New checks have never been issued or mailed. I've spoken to pod leaders, accounting and on and on. I do not care about loan forgiveness, I don't care about some XXXX response about covid. If the CFPB also can not get resolution they will be named in my motion filing in court. Nelnet is not in compliance with the SEC and SOX regulations either by withholding funds, not providing me statements and evidence showing payments made in my account as well. I will also file a complaint for those which there is recourse for. Nelnet owes me this money or they MUST apply it to the account within 5 business days. This is a legal notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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 had a fraudulent inquiry on my credit report today. I was notified by XXXX XXXX. I looked and there was an inquiry by XXXX. I was shortly thereafter called by XXXX and asked if I had applied for a credit card with them. I had not. They informed me they had shut down the application and recommended I call the 3 credit bureaus independently to have this inquiry removed and reported as fraud. I did this. Each credit bureau then recommended I submit a fraud complaint on FTC.gov, from where I was redirected to the CFPB website. I am now submitting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This was paid in full by XXXX XXXX Claim and XXXX XXXX XXXX. The collection company XXXX XXXX placed a new collection on my credit report as if I opened an account. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXXXXXX Balance : - US BKPT CT WI XXXXXXXX Bankruptcy XXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX US BKPT CT WI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2021-08-13
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2020, I XXXX XXXX extended credit to Best Buy Citibank. For a year I have been deceived into making payments. Best Buy has been harassing me, calling me multiple times a day during unusual times. Best Buy did not receive any consent from me to contact me. In XX/XX/2020 after extending this line of credit, Best Buy never notified me that this was an attempt to collect a debt nor did they notify me of the right to validate or dispute this alleged debt. This is a violation of the Fair Debt Collections Practices act. Not only does Best Buy engage in unfair abusive debt collection practices, but they also furnish false and deceptive reports to XXXX XXXX and XXXX. I never gave them permission to report anything to my consumer reports and they did not inform me of my right to opt out. This is a transaction in which a finance charge is involved using my open ended credit plan, therefor Best Buy requesting payments by cash, check or mail is deceitful and a violation. I have attached and Affidavit of Truth, Debt Validation and a Cease and Desist letter to Best Buy. These documents contain over 10 violations with proof. Upon receipt of these documents, Best Buy has 30 days to respond. If a response is not received, this account and alleged debt should be closed and Best Buy is to cease any further attempts to collect.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is 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 2021-09-28
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have received a voicemail stating LoanCare has attempted multiple times to contact me in regards to my issue. This is the first voicemail I have received regarding any issue. I had previously requested a copy of all corespondent, both verbal and written, that the company would have recorded. I have yet to receive that information. I have been on the phone for over an hour now and have spoken to 6 different service representatives in an attempt to return the call as the two numbers provided in the voice mail are a non working number and the number for their front line customer care respectively. There is no option to input the extension number provided when contacting the front line customer care center. The initial complaint they are leaving the voicemail for was for a complaint regarding an incorrectly recorded forbearance end date and auto pay issue. I have been on this last call, having been escalated to the front line representatives manager, for over 40 minutes now, the majority of the time on hold.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 2023-07-01
Company: Netspend Corporation
State: CA
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:
I received an email I had a Flare account I wasn't aware I had. So by calling the ace flare account customer service XXXX they had my information in their system unless it's a ploy. First representative put me back in the automated without answering how they got my info. I called again and the next representative said I just activated my account and card today XX/XX/2023 during my 1st call XXXX PST. How is it I just activated it when I got an email stating the following today XX/XX/XXXX at XXXX? 

" Your Flare Account statement is available View in browser FLARE ACCOUNT Dear XXXX, Your Flare Account statement is now available, and can be accessed on your account History Dashboard. To view your statement, please click here. 

If you have questions, please log in to your online account center or call us at XXXX. 

Sincerely, Your Flare Account team This message was sent to you because of changes, updates, or transactional activity on your Flare Account. We are required to send you such notifications regardless of your subscription status for your protection. Please do not reply to this message. 

aceflareaccount.com | Privacy Policy | Update Email The Flare Account is a demand deposit account established by XXXX, XXXX XXXX, Member FDIC, and the Flare Account Debit Card is issued by XXXX, XXXX, pursuant to a license from XXXX XXXX XXXX Netspend is a service provider to XXXX XXXX XXXX XXXX Certain products and services may be licensed under U.S. XXXX XXXX. XXXX and XXXX. 

XXXX XXXX XXXX XXXX, XXXX 2023. All rights reserved. 

2023 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. 

Netspend XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX # XXXX, XXXX, TX 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 2023-06-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, 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:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX BANK 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 DEPTARMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am requesting an investigation of my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Balance : {$6900.00}, XXXX XXXX XXXX Balance : {$6800.00}, XXXX  XXXX 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 2023-03-07
Company: EQUIFAX, INC.
State: NC
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:
Consider this as a follow-up request to validate this account that is misleadingly reported on my credit file. the account must be validated to prevent harm to my file. 


Here is the aforementioned account : XXXX XXXX XXXX XXXX Balance : {$12000.00} This was already included in my prior COMPLAINT, and I'm including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies Transunion, XXXX and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the Transunion, XXXX  and XXXX remedy these errors

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 2021-05-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Penny Mac loan officer called daily soliciting us for a refinance. Once we started the process he called 4-5 times per day asking for upfront appraisal money. He promised a rate based on loan to value and credit scores he already had. As soon as he received our debt card details and charged us the appraisal money up front he stopped returning calls or emails. We informed him he had the loan amount wrong by voice mail, he promised he would make that adjustment by voice mail but he refused to call back. When speaking to the processing team they state they cant reach him either. Our lock expired today with no corrections made yet they raised the loan fees by over XXXX without disclosing them. The processing team is using a system call slydial to leave a voice mail without reaching me to make updates stating the loan officer has yet to contact them. its been 60 days sense we paid {$650.00} for an appraisal yet everything on the loan is incorrect and the rate has expired. They will not provide me with a managers name or number to speak to. They have violated all the disclosure laws

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
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:
Please have this removed from my consumer report. ( Experian, XXXX, And XXXX etc. ) 15 usc 1681 b ( 2 ) ( a ) ( i ) XXXX XXXX 590 % credit card utilization {$6400.00} 5 hard inquiries

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