BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2020 XXXX was reported on my credit profile. This unknown company I have never heard of is reporting inaccurate information on my credit report. I have noticed bad reviews of this company attempting to collect inaccurate and unverifiable debt from individuals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today in the mail we received two collection notices from the " Collections Bureau of Fort Walton Beach '' which claims we owed a debt of {$24.00} plus fees from a company I have never done business with " XXXX XXXX XXXX'. The notice looks like it is from a government agency of XXXX XXXX XXXX with the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 

The company in fact is a collection agency called XXXX? Please take a look.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my wallet was lost at the XXXX XXXX. Once I got home I realized the there 3 charges that were not authorized. They were in the amounts of XXXX, XXXX, and {$53.00}. I called Chase to cancel my card and issue a credit. They issued a provisional credit within a reasonable time. On XX/XX/XXXX they reversed the charges and withdraw the money from my account. I would like to issue a protest that I did not authorize these charges and would like my money back. The thief 's took money from another one of my checking accounts and I have not had an issue with them getting my money back. I would like to get these charges reversed and added back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
I am a co-borrower on a spousal consolidation federal student loan serviced by Nelnet. The " primary '' borrower is my ex-spouse. We have been divorced a decade and he has never submitted a payment. 

I am currently awaiting the Department of Education and/ or Nelnet to implement processes under the new Joint Consolidation Loan Separation act, which became law in XX/XX/XXXX. Under this law, I **do not need the permission or concurrence of a co-borrower** to apply for and obtain loan separation, affording me the right to pay for only my portion of the loan. My situation meets the criteria for a separate application. 

Meanwhile, the loan servicer is required to allow me to enter an administrative forbearance period until the separation process is fully established. Nelnet refuses to grant me this forbearance, stating that I need the co-borrower 's permission to do even this. This is despite the facts that 1. Neither I nor Nelnet know his whereabouts ; 2. I am legally permitted to request and be granted the forbearance ; 3. The servicer is legally required to grant it ; 4. I am the exclusive payer on this loan, always have been, and am evidently the sole person contacted when payments are late ; 5. I have filed a complaint and my intent to separate loans with the Federal Student Aid Ombudsman, as the Department of Education has instructed joint borrowers to do ; 6. The Ombudsman has contacted Nelnet to inform them of my intent.

This loan, originated in 2001 -- 23 years ago!! -- now has a higher balance than its original, in spite of my making regular payments above the minimum due for over a decade. I am also currently paying on the individual loan which was used for my own undergraduate program. These two payments, my own loan and one over which I have absolutely no control although it's comprised of approximately 1/4 my own tuition ( my accrual was considerably less than my former spouse 's ), now total about {$1000.00} per month.

My hope is that with this report as well as my report to the Department of Education I may finally be granted my legal rights under the new Joint Consolidation Loan Separation Act.

Should you need to contact me and/ or Nelnet , this loan is in the ex-spouse 's name, and only my former married name ( XXXX XXXX XXXX XXXX is associated with it. I have his SSN as well as the loan number ( s ) available. 

Many thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called cash app card about them closing my XXXX  child account through my cash card account for no good reason other then they didn't like that I put a complaint against a company that I paid money too and did not receive products clothing I kept contacting cash app but they say they would always help but didn't do anything to investigate they are out of country customer service they are not based in the United States so they don't care to help us recover money from fraudulent online scamers that you send money through cash app and don't receive products so I ended up helping get my refund back without the help of cash app they didn't like that so they closed my account because I put a complaint to your consumer complaint and recently they closed my account because of my XXXX  child account closing so I contacting them with no help in why my account was closed these big cash app account cards have too much rights to close our account for no reason I asked them to give me reason no response same information like before that I violated their app I asked them again what and show me on my activities that so called violations they are upset that I put a complaint on your website

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. XXXX ACCOUNT NUMBER : XXXX Account is not mine please remove from my credit report XXXX. XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX Account is not mine please remove it from my credit report XXXX. XXXX ACCOUNT NUMBER : XXXX This account is not mine please remove from my credit report XXXX. XXXX XXXX  ACCOUNT NUMBER : XXXX This account is not mine please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 2023-07-20
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts blow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. # XXXX XXXX XXXX / Account 2. # XXXX Service/ 3. # XXXX Service/ 4. # XXXX XXXX XXXX  XXXX/ 5. # XXXX XXXX 6. # XXXX XXXX/ 7. # XXXX Service. 
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. ( aX5 ) Section : no comsumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C1681s-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 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/2020, I spoke with an associate who could not explain why the decision to close my account was made. This account has a {$0.00} balance which was paid in full in XXXX of this year. Bank of America decided to close the account 4 months later for inactivity. This is absurd! The other reasons, for closure are inaccurate as well.

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 2020-08-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-09-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
A few weeks ago, I was purchasing a product on XXXX, but as soon as I tried to put my card through, there was a problem with the merchant. I finally realized the merchant was not credible, and backed out of the transaction. I called Citi and we went through what we thought was a 'fraudulent transaction '. They gathered all of the information and I was issued a new credit card in the mail. The old one was destroyed. So it was caught in time. Now, Citibank Double Cash MC is sending me an 'Investigation ' inquiry as part of a dispute, which means I may be liable for the purchases. I do not understand why they do not recognize the difference between a " Dispute '' and a " Fraud '' transaction. There is no dispute here. The merchant is not credible and the transaction was not completed. Still, Citi takes XXXX billing cycles to investigate. I have so many questions surrounding this. Why am I being targeted for the crime? Secondly, a " XXXX '' ( positively terrible ) in Customer Service was no help whatsoever. I would like to understand how Citi differentiates between fraud and a dispute, and why I'm being investigated when I did nothing wrong? This letter is a fraud in and of itself because it is NOT a dispute with the merchant, but it's obvious Citi doesn't conduct background checks on its merchants, and that IS a problem for the consumer. So who is at fault here? I would like to know what to do with this letter, and what is going on. Or we will need to resolve this in court. There is no dispute. It was a fraudulent transaction by a major financial firm who did not do the appropriate background checks before issuing the use of their credit cards for merchant sale. This is a case closed. I have the new credit card and it was a transaction of fraud That's the bottom line.

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 2023-04-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed some inquiries I did not approve nor know how they got there. I never opted in to a contract with this company nor can they provide me with a copy of any agreement I have with them, that is because there isn't one. 

This false reporting is damaging to my credit as I am preparing to buy a home for my family. I need this error to be removed IMMEDIATELY. 

XXXX XXXX XXXX has placed this on my credit report since XX/XX/2022 I also contacted the credit bureau regarding this matter. 

Thank you

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 2023-09-20
Company: CITIBANK, N.A.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-06
Company: EdFinancial Services
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:
Edfinancial has been transferring loans to a new payment system for over 6 months. As a result of the transfer, I have been denied access to my account since the middle of XX/XX/2023. I have tried to make payments to reduce the principal balance of my loans before interest began to accrue again on XXXX XXXX, but have been denied access. I have called and emailed Edfinancial and was told I did not have access as a result of delays they encountered in transferring all of the loans and they told me there would be no waiver of interest accrued on or after XXXX XXXX even though I was not able to make principal payments. Interest is now accruing and my first payment will be do soon and I still have no access to my account. Edfinancial has told me they do not plan to do anything to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Hello, Ive disputed my mid oregon credit card payment history with transunion twice. I have perfect payment history on that card which has been confirmed with the bank but transunion shows a late payment. Both times transunion has fixed it when I dispute it but then it comes right back the following month. Ive now disputed it a third time which is ridiculous. Please take whatever action you can against transunion and their poor record of properly resolving this dispute.

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 2023-07-20
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2022-11-15
Company: EQUIFAX, 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:
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 Account # XXXX XXXX Account # XXXX Equifax Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Account # : 6492** 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 items 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