BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: Nelnet, Inc.
State: AL
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:
Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
(

2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: AL
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:
In XX/XX/2019, I provided police reports ; regarding numerous fraudulent XXXX XXXX  accounts ( No Account Number provided ) to XXXX, XXXX, & Experian. The agencies removed some of the accounts, but not all. The five remaining accounts creditor information was changed to Dept of EdXXXX XXXX which remains on my credit report today. 

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Dept of Ed/XXXX : # XXXX, Dept of Ed/XXXX : # XXXX, Dept of Ed/XXXX  : # XXXX, Dept of Ed/XXXX XXXX  # XXXX, Dept of EdXXXX : # XXXX, XXXX XXXX  : Account Number Not Provided 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 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 2021-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've made repeated requests for this agency to validate this alleged debt and each time they fail to respond and/or send fictitious, made up documentation. Also, they make repeated calls to my personal phone, business phone, home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian credit reporting Agency has been using out dated credit information and reporting it repeatedly to lower my credit profile due to XXXX, There had been legislation put in place to combat this bad business behavior, i have contacted this Agency and is an ongoing issue due to a refusal to cooperate, I contacted Experian on 8-11-2023 bit was unable to speak with anyone because the credit information is being managed by the country of the XXXX a d their residents and thry do not understand the correct english language and is also a big concern for cyber security. please recommend this for a government investigation prtocol due to sensitive information belonging ti US citizens!

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 2017-06-22
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home in XXXX. The mortgage was paid off by XXXX XXXX. Our previous mortgage holder was Nationstar Mortgage. Nationstar paid to XXXX XXXX insurance our premium for the year before it was due, and while we were in the process of refinancing, we also switched from XXXX XXXX to XXXX XXXX insurance. XXXX XXXX refunded to Nationstar our premium of {$490.00}, however Nationstar refuses to refund to us the {$490.00}. Instead, they sent us the attached letter stating " We can confirm that a refund in the amount of {$490.00} is available to XXXX XXXX XXXX for prepayment made. You may need to request XXXX XXXX XXXX to obtain any refund. '' We have not been able to find a company called XXXX XXXX XXXX. On the XXXX of XXXX, I spoke with XXXX at Nationstar. She gave me her supposed phone number XXXX, which I have repeatedly called and at which I have left voicemail with no return calls. When I spoke with XXXX on the XXXX of XXXX, she assured me that a check for {$490.00} was being " expedited, '' and that we would receive it in " 14 business days or less. '' The attached letter dated XXXX XXXX, XXXX RE : Research Reference # XXXX, contradicts XXXX 's promise. We do NOT have the disposable income to be able to afford losing nearly {$500.00} - we were assured, in the refinancing process, that our escrow would be refunded to us and that it would be available for making our first new mortgage payment, which was clearly untrue. We are distressed in the extreme, losing sleep and worried about making ends meet. Our lawyer has advised us to continue registering complaints with the Consumer Financial Protection Bureau ( you ).  Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-08
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: Account status incorrect

Complaint:
1. ) Credit Reporting 2. ) The way the Car Loan company handled this 3. ) The vehicle financed was totaled. The insurance company didn't pay it all off so I paid what I could on it except for {$500.00}. the finance site said I didn't need to make a payment until XX/XX/XXXX. I knew I could pay something every pay check and then I was getting a lump sum payment at the end of the XXXX XXXXbeginning of XX/XX/XXXX and would be able to pay it off. The company called me and I explained the situation to them and that I would make a payment every pay check but could not do more that {$20.00}. I told them I would pay it off at the end of XXXX or the beginning off XXXX. As promised, I went onto my account to pay it off ( XX/XX/XXXX ) and could not get in. I called them and they told me it had been sent to collections. I had not missed a payment the whole time and I always paid on time. I resent the fact that the little guy who is honest always " gets it '' while real criminals get away with everything. My credit score dropped quite a bit. I worked hard to keep my credit score good and now there is a " write off '' account showing on it. This was jus unethical what they did. I did what I said I would do. Since the payment was made AS I PROMISED I feel they should have not sent this to collections. I need this to be made right. Had another agency look into this and when they did I received paperwork from XXXX XXXX saying they are not responsible for how things are reported on credit. You know that is not true as they would of had to tell the credit bureau it was a right off for the credit bureau to have been able to put that kind of information on your credit report. It has also affected my son 's credit we were trying to build as I co-signed this for him. I wish I could be more specific but I spent 4 months without a vehicle and 4 months fighting an insurance company to pay - at that point I was very, very frustrated.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXXXXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2023-03-28
Company: W&A Intermediate Co., LLC
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called and told that I owed money and that I had to pay a settlement today. I said I needed documentation because I honestly didn't know if it was a scam or not. The lady said I was PLAYING GAMES with her and was very aggressive and NOT HELPFUL on the phone. I just needed to verify that it was a true debt. She said the debt dated back to XX/XX/2016 and that I tried to claim bankruptcy on it and mentioned a XXXX XXXX account and none of that sounded familiar so I said that I needed something in mail. I felt attacked as she was not helpful in the slightest and kept talking over me so I hung up. She kept calling on different numbers but I did not answer. This is NOT the way to try to handle a debt. I'm willing to pay off debts of course but this was absurd and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Incomm Holdings Inc.
State: NM
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
VanillaGift.com - VISA gift card - {$50.00} Card number XXXX XXXX XXXX XXXX Vanilla Gift Card was declined as method of payment everywhere I attempted to use it except on XXXX where the card was initially accepted and items were purchased, transaction was complete. Later however, XXXX sends notice that payment was declined and a new method of payment must be provided. I canceled the orders but both XXXX and Vanilla charged the card anyway refusing to ship order, refusing to cancel order, leaving buyer with no product, no recourse for unauthorized transactions. XXXX and Vanilla offer no customer service for this issue. Despite payment declined, XXXX and Vanillla will not allow cancelling order or disputing charge. Vanilla gift card now has reduced/depleted balance while no transactions are completed and no product was purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: GOLDMAN SACHS BANK USA
State: GA
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 use my Apple card to make Apple purchases online in the amounts of {$710.00} and {$440.00} for a total of {$1100.00} on XX/XX/2022. I shipped the items back for a full refund on XX/XX/2022. Apple acknowledged receipt of one item on XX/XX/2022, and the other on XX/XX/2022. Apple issued refunds in the wrong amounts. I received {$610.00} and {$390.00} which totals {$1000.00}. I spoke with multiple Apple reps and a supervisor about the missing {$140.00}. I was told I would receive the missing {$140.00} but I never did. So I contacted Goldman on XX/XX/2022, to initiate a dispute with Apple. Goldman issued temporary credits for {$97.00} and {$43.00} which totals {$140.00}. And Apple issued the {$140.00} refund also on the same day Goldman initiated the dispute. The problem is Goldman reversed the temporary credits and then wrongly rebilled me for the same {$140.00} that Apple refunded. Additionally, they have wrongly reported the account as 150 days delinquent to the credit bureaus. I am requesting this account to be closed and both the billing and credit report corrected to reflect a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company failed to send out any written notice to me about this debt. I never got an opportunity to pay the debt prior to it being reported on my credit report. This company is illegally collecting in the state of Texas by violating Texas Finance Code 392, FCRA, FDCPA and CFPB regulations. IA complaint is being filed with the Texas Attorney General 's Office for this violation as well. Attached is a document showing they are not licensed. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Monthly increase, {$22000.00} to XXXX. Escrow mistake XX/XX/2023 actual disbursement {$3200.00}. I paid that delinquent supplemental assessment bill XXXX XXXX, XXXX. XXXX XXXX I have a letter from M & T Bank XXXX XXXX, XXXX XXXX XXXX XXXX, in short, he says the bill is on me. The bank escrow does not receive supplemental tax bills, they're sent to the customer. M & T founded out about this bill because I filed a complaint with CFPB # XXXX. There was no bill for them to pay. Their saying the monthly increase is due from that {$3200.00} disbursement. Also in XXXX XXXX, I was approved for tax exemption. Which should have canceled their 12 month projections {$2300.00}. Tax bill changed from ( {$2200.00}, to {$1500.00} ) but I will still have to pay XXXX in XXXX. I was trying to find out if their numbers are correct. 
Thank you, 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 explanation
Consumer complaint received 2023-10-08
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I been waiting to hear from Apple/Goldman Sachs in regards to my settlement. The settlement was supposed to be half of my credit card balance. I never heard back from the company on what the balance would be and they continue to charge me balance interest. I am trying to figure out what is the plan

Company response to consumer: Closed with explanation