BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Nelnet, Inc.
State: IL
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:
When the XXXX admin announced the student loan forgiveness, I was eligible to have my payments from XX/XX/XXXX thru current date refunded. At the time of the plan 's initial rollout I had already paid my student loans completely off. However, in accordance with the XXXX plan I was able to request all my payments from XX/XX/XXXX to XX/XX/XXXX be refunded to my account and a check mailed to me, or an electronic deposit. I called Nelnet in XXXX or XXXX to have my refund initiated. After a few weeks I saw the balance reappear in my Nelnet account, approximately XXXX XXXX dollars. I then waited many months for the electronic deposit or the paper check to " balance '' this out. I have not yet received such payment. I have called them at least XXXX separate times since last fall to try to get the update on where my money is and every time they say the federal reserve is backed up. However I have also seen and heard countless people doing the exact same tjing as me and they get their refund in a timely manner. I am afraid that if I do not get this check, I will be on the hook for the XXXX XXXX dollars in my account balance, and that is unfair because technically I already paid that off. The studentaid.gov website says that lenders are to refund borrowers via XXXX XXXX that they initially paid in. All my loan payments were made electronically, and therefore a refund should be processed and sent electronically. This process shouldn't take XXXX freaking months. I have tried being nice on the phone every single time and I am at my wits end. Student loan repayments are to be continued this year and I do NOT plan on sending payments to pay a " ghost balance '' in my account to keep my credit score up. I need you guys to force their hand and have the check mailed to me immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
See Complaint XXXX with Ace Cash Express. 
On XXXX, a business only called XXXX at XXXX Representatives name is XXXX ext. XXXX called me stating they were in the process of filing legal action for a debt they had bought from Ace Cash Express. If you look at my complaint number above with Ace Cash Express, it clearly stated they sold this debt to a much different collection agency not XXXX. XXXX refused to mail me anything to verify my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX  Comenity Bank contacted my mother by phone who does not live with me about my debt. 
They also contacted my sister who does not live with me by phone about my debt. They were both upset at how they were able to get there numbers and be harrassed by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
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 the 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 the blocking of the erroneous information that 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 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 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 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account 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

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 2023-05-02
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 XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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

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

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

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

XXXX5 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: PR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: NY
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 mailed letters via certified mail requesting that the company verify the alleged debt and show proof if the debt was verified that the account was legitimately mine. The tracking from the first set of letters show they were delivered on XX/XX/2020 and the follow up letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any verifiable proofs that the accounts are mine nor have I received any letters stating the investigations were even started nor completed. The accounts do not show to be in dispute status either. Per the FCRA, 30 days is the time limit the bureaus have to complete their investigations, I have been more than patient due to the global pandemic but over 200 days and no results is wearing that patience thin. Should this continue, legal actions will be my next step against the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a bank account with XXXX XXXX on XXXX XXXX and was told that I was unable to open a account due to the information that was obtained from the consumer reporting agency. I was told by XXXX XXXX  that I had nothing negative with them and that it was based on the information from consumer reporting agency. I received a copy of my XXXX report and see that there is are two Bank of America account that I did not open and the open states suspected fraud activity which both have to be cause I have didn't try to open these Bank of America accounts. One is Bank of America of Missouri and the other is Bank of America of Florida. The Missouri one seems to be the negative account that is the reason that I am unable to open a bank account. The report date for this is XX/XX/2017 and this was not opened by me. Please advise me of what needs done to remove these and fix this issue so that I can open a bank account without any further issues.

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 2022-10-26
Company: EQUIFAX, INC.
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:
XXXX, XXXX XXXX I recieved a new credit report. My credit report shows a reply froma dispute that I made about inquiries that I did not apply for nor do I have account with theses companies. I have attached my most recent credit report as proof that the inquiries are still on my credit report. Equifax respond to my compliant on XX/XX/2022. The compliant number is XXXX. Equifax states this : A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX XXXX  XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. All of these inquires are still on my credit report. Please check the pictures attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
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:
The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Commonwealth Financial Systems, 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 status incorrect

Complaint:
Car was flooded last year in the disaster that happened here in XXXX. I was told to bring vehicle to car shop. I did and the car was declared a total loss. I have contacted XXXX XXXX many times to tell them the vehicle is not drivable and theres nothing I can do about it. I have even sent them documentation of a report from the auto shop to prove its totaled. No one has came to get vehicle and they are still reporting negative on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
How many times have I told you that these Items are in litigation? Please delete these Items XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as they are Fraudulent.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 name is XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I successfully registered on Gemini 's website as US customer, ( State of Nevada ) and verified both my e-mail address and my phone number. I provided my full legal name, complete address, SSN and successfully uploaded my Valid, ( unexpired ) and clearly visible State ( Federally Recognized ) REAL ID. My account has been approved and I ALSO already VERIFIED my domestic Bank Account via XXXX using my online banking credentials. 
According their own TOS the ONLY document required for U.S. Applicants as Proof of identity is a valid state-issued ID, BUT after a week my IDENTITY is instead WRONGFULLY stuck in " PENDING REVIEW STATUS ''. 
No Further Requirement is Stated in their own TOS & FAQ for identity verification. They have everything they need to complete the identity verification for my account, but nobody have cleared my ID Verification by simply looking at the photos of the ID I uploaded. 
I contacted them and they illegally require me to Wire money from my Bank Account to " complete my identity verification ''. This is a known error in their system, but they dont bother to fix it. 
PAY CAREFUL ATTENTION TO THE FACT THAT by their own RULES, THE WIRE DEPOSIT REQUIREMENT - to validate the bank account, NEVER for IDENTITY BTW- IS ONLY FOR THOSE who : " are unable to link your bank account via XXXX or prefer not using your online banking credentials to register your bank account, ''. I SUCCESSFULLY LINKED my bank account via Plaid using my online banking credentials to register and verify it - NO NEED FOR WIRE. As for their own website, I should be able to transfer funds into my Gemini account, since my bank account is fully linked and verified. 
However, in order to be able to do that, Gemini needs to look at my Id and complete the identity verification for my account. Asking for a mandatory Wire is DISCRIMINATION, since it's not a policy or a requirement they publish or they ask any customer. Therefore, Gemini can either : 1 ) Look at the documents ( ID ) I already have uploaded while onboarding and complete my verification manually ( XXXX their 3rd party provider for the verification assured me you have everything and can contact them for help if you have trouble with the process ) or if for any reason they need the upload of new pictures, 2 ) they can create and send me a secure link to upload the new photos as they are supposed to according their own TOS. 
This is a SHORT Summary of the claim. 
THE COMPLETE FULL CLAIM IS ATTACHED PLEASE READ THE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX will not respond to any phone calls or emails regarding incorrect information they have filed with credit bureaus. They have filed a collection that has nothing to do with me. I do not own a construction company in MD. Someone else has used publicly available info on my business and now it is resulting negative info in my personal credit profile

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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