BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
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: 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 items 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 items 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 items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This Complaint was completed by XXXX XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person. These companies stated that they do not have to follow any of the TILA, FDCPA, FCRA, or USC, UCC, FAR, regulations codes and laws. These companies committed Identity theft, misleading and unfair practices, harassment and abuse I never gave them or any company written consent to exchange, give, report or falsely 15 USC1692 j furnish any deceptive reports or forms. I was denied a home, vehicle transportation to get to work, unable to receive services, and turned down a job offer due to defamation of character due to their inaccurate reporting and false reporting I have severe injury. They have also sold my information to other 3rd party companies and branches without my written consent as well. I the Consumer XXXX XXXX Natural person advise that XXXX, XXXX, and Equifax, XXXX out all accounts on the or in the credit file or consumer report whatever their specific terminology proceeds as I advise the company to follow such instructions or pay remedy at {$1000.00} per minute on every account that is not corrected by my instructions and kept on my consumer report paid in good standing.

15 USC 6821 Privacy protection for customer information 15 USC 1692 f Unfair Practices 15 USC 1692 e False and misleading information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have been trying to log into my account after I paid the full one time annually price for XXXX  credit reports I entered all of my information and after calling for help I got an automated response that did not help at all. After calling 3 times and being hung up on my account was frozen and I am unable to log in. The phone line was closed when I get again had to call to resolve this issue.

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: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Told cashapp I transferred money for an apartment and was not given keys after money was transferred to the person i was told they could do nothing about it i was told to request the money from the fraudulent person which of course I didnt get back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Statement ending XX/XX/XXXX shows my promo balances. The one I am addressing is the no interest if PIF by XX/XX/XXXX. I called in XXXX and made a payment with an agent. She told me with the other purchase on there, I had to pay the MINIMUM MONTHLY DUE and then ANY thing OVER the minimum I could request but applied to the promo that expires in XXXX. So XX/XX/XXXX I had made the minimum {$250.00} payment. I called in and made a {$200.00} pmt XXXX ( same statement period, no pmt was due ) and was told it would come off of my promo balance with the expiration which it did leaving {$250.00} to pay on that promo. On XX/XX/XXXX I made the standard minimum due per statement of {$250.00}. On XX/XX/XXXX i called in to pay off the pro balance of {$220.00} and paid that ( totaling {$480.00} in payments in 24 hours ) I was assured this would clear out that balance on the promo leaving only the big balance left. However it was not. This was {$940.00} in payments over XXXX cycles. After the XXXX minimums of {$250.00} were applied the {$420.00} was to be applied and PAY OFF the promo balance expiring in XX/XX/XXXX. So please tell me why this wasnt done. I did EXACTLY as your company told me and it had been correctly applied the month before. I need this fixed immediately reflecting the promo balance with no interest if paid being PIF. Ive contacted them no less than 4x.

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 2023-08-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have notified this reporting agencies to remove difficult information in which has been a burden to me. They have refused to comply and have violated numerous US Codes. I will copy the supporting letter I have sent to certified mail to both reporting agencies.

Re : You have violated my consumer rights numerous times.

This is not a dispute. Youre in violation of 15 USC 1681b ( a ) ( 2 ) there was no permissible purpose or written instructions from myself ever to have this consumer reporting agency furnish any of my information. Not only were you all ever given any written instructions, you retrieved that information for this consumer reporting agency and other, infringing on my right to privacy 15 USC 1681 ( a ) ( 4 ). Previously I have notified you all to have this information be removed, this consumer reporting agency have ignored my requests and violated my consumer rights. Upon your last response you have said this information is accurate, however yet again you all have violated 15 USC 1681a- ( e ). Who was interviewed? Neighbors, friends, or associates, anyone that may have knowledge concerning this situation? In the event, such information shall not include specific factual information on a consumers credit report. I am enforcing my consumer right and I demand all information associated with this matter be removed in the next fifth teen days of dated letter. I will be submitting a CFPB complaint for failure to abide by multiple subchapter laws. In the event this matter is not handled in the timeframe requested, I will seek litigation. 

1. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 

2. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 

3. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 



The file attached to this document will be from the bankruptcy court, stating they do not report any information to any consumer reporting agency. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I received the covid mortgage assistance from Wells Fargo, but they did not close the payments I missed. They instead put the six payments on the missed payments I currently have, which made my payments further behind and more in amount. I have called numerous times starting in XXXX of XXXX and Wells Fargo employees in the re-entry and home preservation department are not assisting me. Wells Fargo employees from both departments are nasty and hang up the phone when I call. No one is willing to assist me with the loan modification or rectify the payments I missed from their covid mortgage assistance program. I fell on hard times and missed some payments but I want to stay in my home. Me, my wife and son would be homeless if Wells Fargo have their way. I believe they're trying to take my home instead of assisting me with the missed payments. This is a brief summary of what I've been dealing with, with Wells Fargo. I have been lied to and lied on by Wells Fargo employees. My wife and I are currently in bankruptcy and Wells Fargo are trying to remove the protective stay so they can take my house. Please help, my wife and I are XXXX. I'm also a veteran of the United States XXXX. I served and fought for my country.

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 2023-10-02
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have been trying to fix my student loan account before the XX/XX/XXXX deadline since XX/XX/2023 in order to get on the XXXX plan and alleviate interest accruing on my account and to be able to pay my loans. 

I have submitted multiple times to be switched over to the XXXX plan and each time there has been something wrong on the Nelnet side of things. Each time I provide the information, it takes them 15 days or more to respond on what I need to do next. After I provide that information it takes them another 15 days to process in order for them to get some kind of an error. 

Because of this fault from Nelnet by not completing my application and not putting my loans on XXXX, my loans have accrued over {$1000.00} in interest since XX/XX/2023. They also do not have a timeline anymore on when this will get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted all three Credit Bureaus/Agencies ( XXXX , XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On the XX/XX/2023 I may a XXXX dollar payment to XXXX  XXXX  but they said they never received it so I call PayPal and they first told me that it was sent they even sent me a letter to give to XXXX XXXX staying it was paid and they did receive it now PayPal is telling me that the same day I pay for my cellphone bill that they refunded it back into my account right after I pay my bill but there is no proof that the money was put into my account I do have the letter they gave me my phone is off I'm paying for bridge pay that only give you 7 days due to this issue I'm having PayPal now keeps telling me that it they now refunded the XXXX the same day I paid for my cellphone bill it not adding up they sent me a email letter saying that the money was given to XXXX XXXX on XXXX XXXX  this has cause me much stress I live in the middle of nowhere and phone service is very important here can you please help me resolve this matter I have the letter email if you need it I need my phone on but PayPal keeps giving me different stories I don't know who lying PayPal or XXXX XXXX I never requested PayPal to take the payment and refund it I have been paying my bill with XXXX XXXX like this for years now XXXX XXXX still have my XXXX that I gave on XX/XX/XXXX my remaining balance was XXXX the full amount 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 2023-07-18
Company: EQUIFAX, INC.
State: NV
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 DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item was being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I became aware of a collections amount of {$520.00} from XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX. The debt was for an electricity service used at address XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I have never lived or worked at this address. I also did not authorized my information to be used here. 

To dispute this debt, I first contacted the collection agency Convergent and made them aware this was due to identity theft. I was advised by Convergent to contact XXXX XXXX directly to resolve this issue. 

I called XXXX XXXX XX/XX/XXXX and was told by a representative that I needed to provide a police report and proof of residence during the time of when the service was used, which was between XX/XX/XXXX - XX/XX/XXXX. 

I filed a police report and compiled statements of rent and utility payments from my correct residence. I have lived at this address since XX/XX/XXXX. 

I was advised to email my police report number XXXX and rent and utility statements to XXXX with subject header " XXXX ''. This email was sent on XX/XX/XXXX at XXXX XXXX  XXXX. 

I did not receive response from my email, so i called to follow up several times and could not get ahold of a representative due to " high call volume ''. ( call log can be provided upon request ) I disputed the debt with XXXX on XX/XX/XXXX. An update was made on my XXXX account stating " the information you disputed have been verified as accurate ; however, information unrelated to your dispute has been updated. '' XXXX never contacted me for documents or more information to send XXXX XXXX to back up my dispute. 

When I checked the dispute regarding " information unrelated to your dispute has been updated '', I saw XXXX XXXX had marked the {$520.00} debt as " Account charged off. {$520.00} written off. {$520.00} past due as of XX/XX/XXXX. '' Also the months that were charged off had been changed to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During this time I was using electricity services from XXXX XXXX XXXX. I do not understand why these charge off dates are different from the original debt between XXXX  XXXX-XXXX  XXXX  and would like this investigated as well. 

This has caused a great hardship in obtaining loans and housing for rental properties. I would like this dispute to be resolved as soon as possible so I can obtain housing for me and my family. 

Regards,

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 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
30 days ago I noticed errors on my credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter for which I still havent heard a response.

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 2023-07-10
Company: EQUIFAX, INC.
State: OK
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:
The below listed account was CHARGED OFF in XX/XX/2018. This account has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 
Please remove the following account : Name of Account - XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : # XXXX Sincerely, Your Name

Company response to consumer: Closed with explanation