BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Nelnet, Inc.
State: ME
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 submit a dispute with Nelnet due to a 120 day delinquency that I wanted to be redacted due to the circumstances and the late payments falling within the federal mandate due to Covid and the hardship it caused for everyone. I have disputed this twice with Nelnet and each time they ignore the circumstances and treat it as if Im disputing the accuracy of it ; which I was not. 

Back in XXXX I placed my student loans in forbearance due to hardship. I didnt realize they went back into repayment so the account became delinquent XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I noticed when it hit my credit report, dropping my score XXXX points! I called and placed it back in forbearance as my situation did not change. I recently found out these lates fell within the government covid forbearance. 

I requested a copy of my forbearance history and noticed that the government mandate back dated all the way to XXXX XXXX therefore my late payments are within the government mandated forbearance period. Since my delinquency fell in that time period of the mandate ; I reached out via dispute directly with Nelnet in efforts to have the credit reporting redacted. Without taking any of those factors into consideration they decided not to redact them because they confirmed the information was accurate. Once again, I was not disputing the accuracy of it I was asking for them to be removed to be fair because even the government recognized the time period I fell delinquent was a hardship for us all. 

Even though the delinquency took place 3 years ago ; lenders will not look past it. A XXXX point drop. It was reported as 5 separate accounts with 120 days delinquencies. My perfect payment history ruined. This has caused a bigger hardship than what a monthly payment would have cost. They have all the power to redact it but will not. This does not feel fair and doesnt reflect my true credit worthiness. And the timeframe it fell in ; during a government mandate but still no consideration to it just feels like a huge blow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017, I purchased one blazer and two different pants ( size XXXX and XXXX ) from XXXX XXXX. Within two weeks, I sent back size XXXX and canceled size XXXX. Then I purchased a smaller size XXXX. I also sent back the size XXXX for a size XXXX within the same time frame. When it came time for payment, I sent a check for {$75.00}, which covered the XXXX pants ( {$30.00} ) and the blazer ( advertised for {$41.00} ). On XX/XX/XXXX, I spoke with XXXX ( Confirmation # XXXX ) and called XXXX at XXXX XXXX/XXXX XXXX XXXX on XX/XX/2017, to make sure the previous charges were removed. They explained that I would be receiving a bill credit of {$24.00} for now and to give the process 60 days to work out the removal of other charges. I received the aforementioned credit but never was credited for the {$34.00} for the size XXXX pants. Since then, my bill has grown to {$300.00} in the last statement received. This balance is not correct, as I paid off everything the first time ( see check # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: AR
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 reviewed a copy of my credit report and I see that there is a bankruptcy item listed that I'm not aware of. I attempted to contact the company and request verification and received nothing back. I understand that this a violation of FDCPA and need to have the account deleted from my 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 2023-08-18
Company: EQUIFAX, 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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$310.00} XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M

Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2023-10-07
Company: EQUIFAX, INC.
State: GA
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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 2023-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: FL
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 was in starts of my homeownership journey and I realized I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages to my report. I have recently reviewed my credit report and discovered that a medical collection account is listed XXXX XXXX XXXX account # XXXX, which I believe to be incorrect and unfair. I kindly request your assistance in having this collection removed from my credit report. 

I have not received any verification or proof of the debt from the medical provider or the collection agency. According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request verification of the debt within 30 days of receiving a collection notice. I have previously disputed this collection with the credit reporting agency and requested verification, but no satisfactory response has been provided. I urge you to ensure that the collection agency provides proper verification of the debt or removes it from 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 explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: MD
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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. 

Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account XXXX XXXX XXXX Account number ; XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX These accounts, have 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 2023-04-19
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am unaware of the following hard inquiries that I did not authorize XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: MA
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or 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 XX/XX/2023 I use my card at the XXXX in XXXX to get gas with a total of {$10.00}. Are use the card at the pump and everything seemed fine until last Friday, XX/XX/2023. I was at my childrens school helping out with play day when I received a notification that my card was overdrawn. Now I knew at the time that I had several hundred dollars in the account as I had just gotten paid a total of XXXX and I had some money already in the account prior. When I opened my app, it showed that several hundred dollars at a time were being taken out at a XXXX so I called reported it told them that I had the card in my possession and that I needed that money to pay my rent that day and they told me that there was really not much they could do. They sent me my new card but the money was held up for a total of 90 days they could not issue a credit. They said they could put in a hardship but it wouldnt guarantee anything. I called to try to ask them what the status was. They said we cant really offer any more information theres really nothing we can do. I really need help getting some sort of credit put towards it especially when it wasnt even a credit card its a prepaid child support card where the money was sitting there, and very obviously not used by me in this instance.

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 monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: IN
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:
Ive tried disputing multiple accounts on my credit report.every month since XX/XX/2023. I have previously sent multiple requests to validate my debt with attached account numbers and names Each month, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Under the Fair debt collection practices act I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation and the inaccuracies are still on my credit report. The charge of accounts are falsely manipulating the statute of limitations which is the FCRA violation. Please delete collections, charge offs inaccurate personal information immediately due to the Gramm-leach-Bailey act : Protection of non public personal information 15us code 6801. Negative accounts : block of information 15 is code 1681 C-2, and Accounts verified : Procedure in case of disputed accuracy. I havent gotten a response in over 30 days.

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 2023-06-02
Company: Experian Information Solutions 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 sent out a letter to all the credit bureaus plus creditors in regards to an account that was reporting fraud on my account. The account was removed for almost 2 months and now it has reappeared on all 3 bureaus, UNACCEPTABLE. I did not receive any steps on how this fraud account was verified, which is false. I am a victim of identity fraud and I have sent all docs confirming as well. That is illegal per 15 usc 1681b IF AN ACCOUNT IS NOT MINE IT CAN NOT BE FURNISHED. There is no wet signature or anything proving that the account is mine.

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 2022-10-12
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX  replaced their old credit card servicer with Barclays Bank. I received my new card in XX/XX/XXXX. I hadn't received a XXXX bill for several months prior to that. I received my first XXXX  Barclays statements at the beginning of XX/XX/XXXX ( period XXXX ) At that time I called and requested the fees and interest be removed because I hadn't received a statement in several months. I was told the amount would be {$350.00} which I promptly paid on XX/XX/XXXX. I received my next statement and it still had the original balance ( with fees and interest ) and new fees and interest. My payment had not been credited. I spoke with the credit card company again ( Barclays ) and explained that I had paid and not only shouldn't there be a balance but also should not have fees and interest because it was paid. I then submitted another payment on XX/XX/XXXX through my bank XXXX for the amount of {$350.00} ( the original charges minus fees and interest since I shouldn't have any ) .I now have a balance which quite frankly I'm not sure what component are fees and interest ( which I shouldn't have any because 1. I didn't receive a statement for several months when they were in transition and 2. I paid immediately the first bill I received when the new bank told over XXXX  credit card. I Now have a balance {$490.00} which again, I'm not sure how they got this balance especially since I paid twice I should have a credit. Please help

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 monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: CT
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: MI
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2021-01-08
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX bought bmw financial serives na llc was not the company i bought vehicle they stated to irs that XXXX was a canceled payment that was not charged to me the truck white was repossesed and now they refuse to send a XXXX because i cant verify the phone number. but my social security number was and address but since XXXX i no longer have that phone number. So i need XXXX or i will not get income tax for the report they submit it to irs.

Company response to consumer: Closed with explanation