BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced Owed : {$0.00}

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 2021-11-02
Company: LEXISNEXIS
State: GA
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:
I have had extremely high quotes for auto insurance which led me to obtain the LEXISNEXIS report. This company has been informed that the mailing addresses and incidents filed under my auto record is incorrect. This record continues to reflect false driving record details and the incorrect addresses!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # 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 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 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
Consumer complaint received 2019-11-29
Company: EQUIFAX, INC.
State: OH
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 filed Fraud on XX/XX/2019 I provided XXXX  with my legal information and XXXX  helped the child support enforcement agency continue the fraud and Usury by updating the fraud with my legal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
when Macys changed their billing info to a different bank, they changed m account numbers, moved purchases bought on Macys Am Ex with a 16 % APR to Macys Store with a 25 % APR without telling me. They also shut me out of my account on line and as such after 8 months of phone calls could not get them to send paper statements. I paid each month by phone w/ no idea of what was in the billing. I was unable to return items in this period as they had changed the account numbers the billing and original receipts did not match, Many calls to customer svc then many emails to CEO XXXX XXXX, a XXXX called and got me on the web site and arranged for me to return the items had been unreturnable for more than 10 months. But XXXX went on vacation and after returning items ( with much hassle ) we demanded interest adjustments. XXXX denied claiming the interest charged paid on items never worn with tags pristine was rent for the item - ie one return had cost {$55.00} in XXXX and by the return time interest had accrued on it for an addition of {$250.00}. That 's just one of the items returned. We debated with XXXX who then accused my mother and self of having " taken '' stolen the items we were returning. We have the original receipts - and they Macys Am ex number charged on does not match the new account number Macys gave us to increase the interest 9 %! Even sending proof in email they refuse to deal with the real issues - Changing account numbers! Moving the XXXX to store account to increase interest from 16.9 to 25.8 % which elicited Macys XXXX of dollars in interest, Calling us thieves and slandering us, failure to credit interest adjustments, and when we placed the account inn dispute continue to charge interest.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted a letter to the TransUnion Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : 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 2022-12-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I went to check on my credit report and I noticed it said down XXXX points and I went to see why it went down so much and it showed me an account thats been opened and put into collections an account Ive never seen before as well as an address Ive never lived before.

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 2019-04-03
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018 I opened a new Citi checking account stating I would receive a {$400.00} bonus if terms were met. I met required terms and on XX/XX/2018 I received an Email stating congratulations you have earned a {$400.00} bonus. After multiple calls and chats being told I got it but just needed to keep waiting it still has not been credited.

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 2019-04-03
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX  XXXX in California at a low income XXXX XXXX. I learned in XX/XX/XXXX that I may qualify for the XXXX loan forgiveness program. I applied for the forgiveness program through my lender, Nelnet and my lender told me that my XXXX had not yet reached the 5-consecutive years for me to qualify. My lender then informed me about forbearance I could apply for. They also told me that interest would continue to accrue, however, since the forgiveness amount ( up to {$17000.00} ) far exceeded my current balance ( close to {$9000.00} ), this was a reasonable option for me since I would be able to fully qualify in XX/XX/XXXX. So, I applied for forbearance in XX/XX/XXXX and XX/XX/XXXX and was approved by Nelnet. This year I applied again, however, this time I was denied. Nelnet informed me that since I had an outstanding student loan before XX/XX/XXXX, I did not qualify for the XXXX loan forgiveness loan. The loan I was seeking to have forgiven was established in XX/XX/XXXX and was for my XXXX degree. The loan from XX/XX/XXXX was for my XXXX degree and was paid off long before I took out the XX/XX/XXXX loan. Nelnet then informed me that it was their mistake for allowing the forbearance for the past two years. I then complained saying that interest has been accruing and at this point I would have had only 2 years left on my note. Now I have 4 years plus additional interest due to the forbearance causing my monthly payment to be {$50.00} more than it was back in XX/XX/XXXX. When I asked the Nelnet advisor how they planned to monetarily fix their mistake, they said there was nothing they could do. The only action available to me was for the Nelnet advisor to type up a formal complaint. This discussion took place on XX/XX/XXXX. Is there any further action I can take to remedy to additional interest that was added to my account? 

The two screenshots I attached shows how the balance has changed due to the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, 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:
XXXX XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about  this on XXXX. There is numerous of people they have done this too and have wronged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The collection company opened up an account in my name to damage my credit. The company is acting from its originator XXXX XXXX. The company that opened an account in my name is called XXXX XXXX in the amount of {$950.00} opened on XX/XX/2018 without my permission. This was done after XXXX XXXX written off the alleged amount that they said that I owed. I had filled a complaint with the CFPB last year about the way they held back my payments to charge me late fees and interest on my credit card. XXXX XXXX is the originator of the complaint and the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent XXXX a letter asking them to send me all documentation in reference to this account on my credit and they only sent me typed contract no photo identification and I have a fraud alert on my credit. 

I was also never gave permission to open an account on my behalf. 

Violation # 1 According to consumer law section 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy Violation # 2 According to consumer law section 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting of this ACCOUNT to all consumer reporting agencies. 
- Remove reporting of such account from all consumer reporting agencies. 
- Provide a complete and updated consumer file for without the alleged debt as assembled by XXXX  - Provide acknowledgment of this official notification that I am opting out of your reporting. Do not report ANY information bearing my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Zions Debt Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Global Lending Services LLC
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: Personal information incorrect

Complaint:
There have been accounts opened under my identity that I did not allow nor request. I am unaware of any of these accounts with Global Lending Service on XX/XX/2021 with XXXX. I have been a victim of identity theft. The FTC is already beginning an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CFPB WEBSITE : Forbearance ends with a payment plan, not a lump-sum payment Homeowners who receive COVID hardship forbearance are not required to repay their paused payments in a lump sum once the forbearance period ends. You can talk with your mortgage servicer, or start with a HUD-approved housing counseling agency , to discuss a repayment plan that works for your situation. 

WELLS FARGO DID NOT FOLLOW THIS RULE, THEY REQURED A FULL AMOUNT OF COVID FORBEARANCE AND WHEN I WAS NOT ABLE TO PAY IT THEY TRANSFERED A LOAN TO A COLLECTION AGENCY WHO STARTED A FORCLOSURE LAWSUIT.

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 2023-08-10
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

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 2023-08-24
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
American Education Services aka PHEA has returned my payment from XX/XX/ and this was for the amount for {$1200.00} and this is the third time they've done so, despite my using the same bank information everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: AFNI INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
State: GA
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:
Since filing chapter XXXX bankruptcy nearly five years ago, XXXX XXXX XXXX XXXX is still reported as a charged-off account on my Equifax report despite several disputes. XXXX refuses to acknowledge its participation in my chapter XXXX repayment plan. 

As a result of my latest dispute, the personal statement which appears on my report is erroneous. The statement is applicable only to the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I purchased 2 concert tickets in the amount of {$1200.00} ( XXXX XXXXXXXX each ) and were asked to transfer to money through Venmo XXXX After the transaction happened, I learned that the Venmo account that I had sent money to was not the initial seller. Turned out the seller used her friend 's account to receive the money and had that person send the money to her. I waited for hours yet I did not receive the tickets and the seller stopped responding to my messages. Early morning on XX/XX/2023, I called Venmo to report the transaction and was told they would take care of it and would help me to get my money back. I also asked the Venmo receiver to send my money back as it was a scam but he told me he had already send the money to the seller ( his friend ). At that time, the transaction was still pending on my bank account so I called the bank to stopped the transaction before it finalized. The bank was able to stopped the transaction with the charge of {$35.00}. 

On XX/XX/2023, I received an email notifying me that my Venmo account was frozen because of negative balance. Turned out Venmo sent the money to the receiver while the transaction was still pending on my bank account and now Venmo wanted me to pay them back the funds they had sent to the scammers. 

I contacted Venmo with the hope they could at least take proper actions against scammers and requested the money back from them. Yet it did not happened. They never asked for any proof or information regarding the scam nor willing to resolve the issue. As a customer and a victim of a scam, I was lucky to get my money back in timely manner, yet Venmo is now after me for the funds and sending me notices that they would give my information to a debt collector agency. As Venmo is with Paypal, on XX/XX/2023, Paypal sent me another notice to request me to pay back the fund. 

Venmo has been used as a mean to scam people and they are not taking proper actions to protect their customers who are victims of scams. Instead, they're after us victim and pretty much not doing anything to the scammers. 

I know there are a lot of people out there who are unfortunate for not being able to get their money back. I was able to through my bank, and now Venmo 's collecting debt from a victim which is absolutely obstructive. 

I hope by raising my voice and submitting my case, CFPB will help us victims to at least correct Venmo 's procedures in handling cases like these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: WA
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 faxed Experian 9 different credit disputes to Experian on XX/XX/2022 no investigation has been initiated as of XX/XX/2022 Experian never Investigated nor did they forward the disputes to the vendors involved. 
Experian seems to think it's above Federal law.

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