BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I asked him for an audit of the account they refuse to close accounts. They return payments when money is in the bank. I had to go in personally to close the accounts to only have them still remain active. Have current pictures to prove so. I would love so, like the money returned, and the surcharges for the return payments as well. I am having issues with uploading documentation. If you could send a link, I would appreciate it.

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 2023-11-01
Company: Allied Collection Services, Inc. (Nevada)
State: MT
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon leaving my apartment complex, I had left a lengthy voicemail with call back number in XX/XX/2023 regarding any potential owed money and the need to contact me so I could properly pay for anything that came up. I was then contacted on XX/XX/2023, a day after another phone call where I spoke with the property manager and gave payment information to pay any debts owed. I was informed that the debt had already been sent to collections but never received any correspondence to verify or email even pay off my debt prior to reporting to any credit bureau. If I had been properly notified of any charges, I wouldve been able to pay off the debts owed and never had this show up on my report. The first and only time I have ever been contacted by the debt collection agency was XX/XX/2023, very much so well after already being reported to the credit bureau. There was no proper/timely attempt to collect any debts prior to reporting this debt.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I mailed a letter to TransUnion to check my credit report for accuracy and to verify each account and if it can't be properly verified and my credit report isn't accurate, then to delete each account from my credit profile. I sent this dispute letter on XXXX to reinvestigate each account by XXXX certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ). It's been more than XXXX days has passed and still no response from the bureau. I then sent another letter to TransUnion to delete each account from my credit report due to the bureau not being able to verify the accounts in XXXX days. This letter was sent by XXXX certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ). After I sent the letter I called TransUnion and they still didn't remove items which is a violation. According to 15 U.S. Code Sec. 1681i. Procedure in case of disputed accuracy. They didn't send any letter or inform me of them conducting an investigation by mail to my current address. Also 15 U.S.Code 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I'm attaching a copy of both letters I sent to the credit bureau and my state ID and proof of address, which was also sent to the bureau along with the letters. Below is the accounts that was in my letter to be verified and check for accuracy, which the bureau didn't. 
Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Number : 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 2023-10-06
Company: Nelnet, Inc.
State: GA
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 continuously tried to call Nelnet to request information regarding my student loans. When I call, I'm faced with long wait times that are never answered by an advisor. I've only been able to get through once and it was in XXXX of XXXX. The advisor, XXXX, advised me to call back closer to when a payment was actually due, which would be XX/XX/XXXX as she did not have any information due to awaiting the government 's decision on student loan forgiveness. After the decision was made by the Supreme Court to not uphold student loan forgiveness, I immediately started trying to reach Nelnet, as my payment was not available on the website. 

Finally on XX/XX/XXXX - I was given a payment amount of {$31.00}. I paid that amount, but tried to call again to make sure that is what I owed and to understand what repayment plan I am on. 

I logged back in not long after and my payment was then changed to {$210.00}. This seemed to be a more likely amount for my loan and what I owed. I made a half payment of {$100.00} on XX/XX/XXXX, preparing to make the other half on XX/XX/XXXX ( with a due date of XX/XX/XXXX ). I called again, to understand this is what I owed and to understand what repayment plan I was on - again, I could not reach a customer service agent. 

I logged in today XX/XX/XXXX to make the other half of my supposed payment, and the payment amount then changed to {$140.00}. I have been on hold ever since trying to resolve this. 

Just like any loan I would take out, I intend to pay it back, but unlike every other loan I have taken out, this has been a very challenging process. I should be able to see my payment every month and when it's due and easily pay it. Not log in several times a month, with the amount changing. The fear of daily accruing interest is also troubling me through this process. It's also very concerning I can not reach a human person to discuss this with. I understand the system is overwhelmed, but I am doing my part and should not be punished for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXXXXXX have violated my rights 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 also states a consumer reporting agency can not furnish an 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 2023-10-04
Company: EQUIFAX, INC.
State: TN
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX 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 explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Their services uncarefully looked into, failed to understand and/or misconstrued the discrepancy matter as brought forward to them, as acknowledged by their services ( place see attachments ) reply. 

Realize that Navient is trying to perhaps do their best under the circumstances, even being overwhelmed with the many others facing similar issues, that is well understood, however I am only one ( of many ) as an individual who is having this serious problem-issue for far too long, and have made prior complaints regarding this matter in the past as well. 

I have had this unfortunately financially crippling, serious problem-issue with these student loans especially ever since the first consolidation, of which have made the owed amount worse and, as of this writing is continuing to increasingly get worse, with no complete care of giving a reliable and accurate assistance from their services ( or, for that matter, whoever else ) whatsoever. 

Also, have contacted one of two US Senators, with one of them who gave ( please see attachments ) their caring in terms of a citizen-assisting reply. 

I am bewildered, Disappointed and abandoned to consider the nature of the former as a serious SOS situation! 

Please do contact should there be any questions, clarifications needed etc., thank you kindly for your services in the handling of this complaint. 

P.S. : Have also submitted a complaint to the XXXX, of which is in progress though at this time w/o a resolution etc., thank you kindly for noting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX  XXXX Date Opened : XX/XX/1995 Balance : {$21000.00}

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 explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: TX
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, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: CO
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'm submitting another complant because my disputes aren't being verified and researched. I've submited several dispute each time with proof and more and more proof each time. Each time they respond back with a default response stating a verification back in XX/XX/XXXX of this year. I have since then provided more information and screenshots of my credit report. They refuse to look into the dispute and just immediately close it stating they already researched the matter. I do not want my results online. I refuse online dispute results. please submit all results in writing. 

I'm writing in regards to several XXXX  XXXX accounts listed below : XXXX XXXX XXXX XXXX First and foremost I would like for them to verify each account. They keep saying things are verified without showing any proof of verification. I'm requesting to see the application or the signed contract of each account listed above, because they are not reporting correctly on my report and until I can see this information nothing has been verified. I'm not requesting a blanket statement of " Verifed each account on XX/XX/XXXX '' I would also like to know who performed this verification on XX/XX/XXXX. What kis there employee number? Who performed the verification at XXXX  XXXX? What is there employee number? How was this information verified? From the looks of it, it appears that it was verified by copying and pasting a default response. What was your verification method? KI would like to see your method of verification and what was sent to XXXX  XXXX to verify this information. 

I do not want my results online. I refuse online dispute results. Please submit all results in writing. 

I'm attaching the following documents : -my previous CFPB complaints with responses from the credit bureau . 
-- CFPB Complaint - XXXX-XXXX  -- CFPB Complaint - XXXX-XXXX  -- CFPB Complaint - XXXX-XXXX  -Screenshots of my credit report showing these accounts only exist in Experian credit report. 
-The XX/XX/XXXX investigation -- Report Number - XXXX-XXXX-XXXX  I'm requesting from the Credit Bureau -Verification method - How was the accounts listed above verified? 
-Signed application or contract of the individual accounts above -Who verified these accounts from both the credit bureau and XXXX XXXX. Employee numbers? 

I do not want my results online. I refuse online dispute results. Please submit all requested information in writing.

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 2023-06-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to car dealership and they promised me that theyre going to check with one lender, over time I checked my credit report and its has several inquiries. I am now in a position of bad credit and its holding me back from opportunities and its extremely hard for a dad to help his family with bad credit I need help removing inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Google Compare Credit Cards Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My google account was hacked and someone was able to make 2 purchases of {$320.00} to two credit cards I had on file. A XXXX card and a XXXX card. The XXXX card purchase for {$320.00} but google refused to refund me for the XXXX XXXX purchase and XXXXXXXX XXXX  reversed the credit applied to my account which is no longer active. I've tried several times to dispute this with google but they keep saying " After reviewing your claim, we were unable to confirm fraudulent activity in this case, so no refund will be provided by Google at this time. If you would like to pursue the matter further, you can reach out to your financial institution. '' The XXXX  card transaction was made on XX/XX/2021 for {$320.00}. 

I realized that an email was sent to me to which I had to respond within a certain amount of day but unfortunately whoever hack into my account also put a filter on my emails, so any emails that were coming from google, online stores, and even my bank I was not getting because they were set to go straight to my trash folder. I finally figured this out after I was having issues with not receiving very important emails and missing deadlines to respond to them. The hackers also hacked into a few other accounts such as XXXX and XXXX. A purchase was made on XXXX but luckily I was able to catch it in time to stop it. Multiple out-of-state ship-to addresses were also added to my google account along with other accounts XXXX I finally figured out how my accounts were being accessed. 

One day my daughter was on the computer and she called me to tell me that the mouse was moving on its own and multiple websites were popping up in google XXXX Someone was accessing my computer remotely. They tried to access multiple accounts and then attempt to cover their tracks by deleting my google data. luckily my daughter was able to stop them before they could delete the history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: WELLS FARGO & COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
i was in XXXX and i think the cleaning crew that my company used took my card and used it without my consent and put it back now im stuck with this charges

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 2023-05-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to courtV

Company response to consumer: Closed with explanation