BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was attempting, on XX/XX/XXXX, to buy XXXX tickets to a XX/XX/XXXX production of XXXX  at the XXXX XXXX XXXX XXXX in XXXX Ohio. I was online with XXXX and they had ground floor tickets for {$550.00}, which was too much, so I looked at the balcony and it was {$140.00}. I gave my charge card info expecting an itemized bill and all of a sudden it told me I had spent {$770.00}. I had thought the {$140.00} was the total for the XXXX tickets! You can imagine my shock! I attempted to contact the company and cancel the transaction, and was told that it was impossible. ( I might add, I called XXXX, and the balcony tickets range from XXXX XXXXXXXX {$75.00} each, so my thought of {$140.00} was not unreasonable! 
I then contacted my credit card company 5/3rd and started a dispute. This was back on XX/XX/XXXX. They told me it would take a while, until the bill hit my statement. I told them I was taking cruises and would be unavailable from XXXX. They sent me a letter that I needed to contact them by XX/XX/XXXX that my son got from the mail, but I was out of the country. I contacted them, the day I returned XX/XX/XXXX, and told them the situation and they said I needed to fax them information, which I did, so they could reopen the case. 
I faxed them more information XX/XX/XXXX after another phone call. Mind you, we flew to the XXXX XXXX XXXX. I followed up XXXX, by phone, and was told that the process would take about a month. 
I called back yesterday, and was told the case was rejected a second time because of time issues. I was told to fax another letter asking them to reopen the case! This is ridiculous. I have written another letter, but am traveling today and have to figure out how to print a letter and fax it from the next island we are traveling to. In the meanwhile I have not been able to repurchase tickets for the show, now in 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX  XXXX XXXX XXXX   was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, XXXX XXXX XXXX, via email and phone. I was referred by them to Halsted Financial Services, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employment. Im young. Trying to further my law enforcement career this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to XXXX XXXX and Experian they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal.

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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have fraudulent items on my credit report that I did not apply for nor did I give permission to anyone else to apply for. I never submitted my personal information to any bank to apply for any loan or credit card or bank account. There are also credit inquiries on my credit report that were generated because of those fraudulent applications.

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 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 Capital One, 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 furnish a account without my instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
1. Numerous variants/misspellings/letter inserts & omissions of my name submitted by different marketing companies.

2. Incorrect addresses/misspellings submitted by different marketing companies.

3. All of the above should be deleted.

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 2022-12-14
Company: Block, Inc.
State: TN
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:
My card was stolen at at gas station. I may have dropped my card and I called cash app customer service the next day when I realized it was a transaction that wasnt made by me .they wouldnt provide me the store information so I can call the store myself also to inform them. I filed a dispute that same day XXXX XXXX and was denied today XX/XX/2022 I ask them why and they provided me more information today it said insufficient funds is the reason why they denied me. I couldnt talk to a manager or no one to resolve issues they wouldnt provided me no more information told me case close. I ask them can I reopen the case and the information giving to me is not correct to open the case. I call representatives for help and both told me no more information can be given on this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
on XX/XX/2021 I called American Express serve because i could not log into my account They told me that it was suspended and blocked and did not tell me a reason. Before today I called ahead because I was cashing out my stock and it was XXXX. IT CAME FROM XXXX. They locked up my funds and that's a lot to lock up. I even called prior to ask the limits and they advised it would be okay. 
I just want them to either unsuspend it or send it back to XXXX so I may use a different bank man!! 
This XXXX  because I am sure they are going to find a way to take it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) on my credit report. I do not have any idea regarding this fraudulent account on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE it from my credit report 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 2017-03-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX, I purchased a XXXX at XXXX in XXXX, IL. After a divorce and being stuck with her medical bills, I filed bankruptcy in XX/XX/XXXX, where I had the vehicle reaffirmed in the process. I moved from XXXX, IL, to XXXX, IL in XX/XX/XXXX, and since my loan was sold to Citizens Bank, I contacted them to change my address. 
I continued to make monthly payments of {$280.00} each month toward the balance of the car, until XX/XX/XXXX. At this time, their website said, " I no longer had an account, '' and was told to contact their customer service number. I contacted the Citizens Bank Customer Service and spoke with a gentleman where he told me that my loan was paid off and it could take up to 6 months to receive the title. 
I called back in XX/XX/XXXX, and inquired about the whereabouts of the title of the XXXX. They proceeded to transfer me three times, and finally, spoke with a XXXX from the bankruptcy department. She proceeded to tell me that due to my bankruptcy, my account was " charged off '' and no longer valid. She also stated there was an outstanding balance of {$3600.00} and this must be paid before receiving the title of the vehicle. I was upset with the institution because I was never once called, never once contacted by anyone at the bank due to a lack of payment and since I was told I 'd be receiving the title, I did n't contact them any further. I 'm upset with the fact that I was never contacted since stopping payments towards the vehicle, and now was told that since my account was charged off, they did n't have an obligation to notify me. 
Finally, I looked back at my paperwork from the original loan and it does state that there would be XXXX installments on loan, but XXXX told me that once I filed bankruptcy, terms of the loan should 've been re-negotiated and they never were done so. She said that my bankruptcy attorney should 've informed me it was my responsibility to contact the institution to negotiate terms of a new loan despite the fact I continued to make online payments for the next 3 and a half years after the completion of my bankruptcy hearing. I was told the only way to pay now was over the phone as they would n't contact me unless the car was to be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Professional Recovery Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I mailed Fox Collection Center a letter using certified mail requesting validation of an alleged debt. Like I mentioned, I sent the letter through certified mail, so I know the company received it. In the letter I clearly and conspicuously stated that notice to agent is notice to principal, notice to principal is notice to agent. I also state that no response to my letter constitutes.. 1. That the alleged debt did not exist in the first place and 2. That any negative marks made to my consumer report will be removed. It is XX/XX/XXXX and I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX, XXXX Original creditor : XXXX XXXX I tried disputing this many times with XXXX, TransUnion and XXXX. The only XXXX XXXX I have ever had was many years prior to the reported date of 2020 and confirmed with XXXX  that I have no outstanding balance with them. When I contact XXXX  they don't recognize account number or balance being reported by XXXX XXXX XXXX. When I contact XXXX XXXX XXXX I can't get a hold of anyone that can bring me up in their systems. I have been disputing this for a couple of years and it is still appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from a debt collector on behalf of XXXX XXXX XXXX about a past due amount that they debt collector claimed that was owed. When I informed the caller that my peoples gas account had been paid in full and that the original company should have been paid in full. The representative yelled at me and told me that the information about the past due amount will be going on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Application processing delay

Complaint:
some open a account in my name citi card I do n't know how who did it a address has been add to my credit report spoke to citi Bank nutting has change it has affect my credit

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 2018-11-02
Company: DISCOVER BANK
State: LA
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 have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
MY DISPUTE LETTERS DISREGARDED, NOT TAKING MY DISPUTE SERIOUSLY, ASKING FOR THE SAME INFORMATION AGAIN INCORRECT AND UNVERIFIED LATE PAYMENTS ON ACCOUNTS UNAUTHORIZED CREDIT INQUIRIES LETTERS ATTACHED

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 2023-03-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-06
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Sears/CBNA started reporting on my credit on XX/XX/XXXX for a credit card that was closed in XXXX. This event negatively impacted a credit card application I had submitted with 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 2022-04-29
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning. I am a consumer bankruptcy attorney. As such I sometimes get letters addressed to debtors whom I do no know and/or do not represent. I always contact the collection company to let them know. Today I contacted XXXX XXXX XXXX XXXX by phone to let them know or represent a " XXXX XXXX XXXX, XXXX ). They asked for the " XXXX ID XXXX '' and the representative advised that they could not pull up the account by the ID Number as XXXX 's ID XXXX. have all changed. I was stunned that they are sending letters to wrong addresses and when I call them so that they can update their system to give property notice to a debtor they have no way to update their system. XXXX was collecting for LVNV so I reached out to them directly to advise them of the problems and my concern. They said they could only pull the account up in their system if I had the debtor 's social security number. Of course I do not know or represent the individual so how could I have the social security number. My question is how can they be properly noticing the debtors if, when they care sending incorrect notices out, they have no way to update the system when someone calls to tell them they have the wrong address. My guess is that this is a systemic problem and something the CFPB should be investigating for pattern and practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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