BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: Nelnet, Inc.
State: NY
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:
Nelnet has had my SAVE application for months. It has not processed. I have not been updated on anything. I needed the application to go through in order to get an updated mortgage letter from Nelnet in order to close on a house. After six weeks of waiting, the sellers walked and my financing was denied. I cant buy a house until Nelnet approves my application, which I submitted over two months ago. This has placed great strain on my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TD BANK US HOLDING COMPANY
State: NY
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:
XXXX XXXX unauthorized funds were transfered from acct ending in XXXX and withdrawn from my checking acct ending in XXXX and funds sent to XXXX XXXX XXXX XXXX XXXX I was on the phone with the fraud dept moments after the XXXX rep called me from Utah and went into my account. They had me download an app and told me to hold. I started seeing the transactions on my phone and reported it to the bank also. I was advised to go to my cell phone provider and have the phone scrubbed.Meanwhile TD suspended my accounts and online banking.I 've made 4 claims which were denied due to IP address being the same for 90 days but TD never sent any correspondence on this. I keep calling the bank myself checking on the claim and they keep saying its been denied.i verified my current mailing address, so no excuse on mailings.Also XXXX and XXXX have since refunded my monies and denied charging me for goods.I am diabled and went into the branch several times to submit claims also.I was advised that the investigation was not started correctly, no claims were being sent to XXXX tech.There was a claim put in today with XXXX tech again and i am physically going to the bank to submits docs to be faxed to XXXX which is the dispute dept. IF the bank is FDIC why wouldn't they do an invesigation besides stating the IP address is the same for 90 days, i had the same acct number for years, shouldn't it be? I get my fixed income deposits monthly and never have I had to change anything but debit cards for fraudulent activity. XXXX tech told me today the rep who filed the last claim had he wrong account #, how? I verify everything on the phone and have a copy of a claim from the bank. Who deals with the consequence of the bank 's staff error? I want my money refunded back into my account. Again i am XXXX and why would give my money to someone XXXX dont know but unfortunately I was scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I noticed an unauthorized inquiry from XXXX XXXX XXXX Bank on my credit on the XXXX of XXXX. I contacted the Creditor reporting the information and was told by them to make a police report and reach out to FTC, which I did. I also called TransUnion directly and they said the unauthorized inquiry would be removed in 14 days but it's still reporting.

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 2023-09-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited a check for {$8700.00} on XX/XX/XXXX at an outdoor ATM at Wells Fargo Bank on XXXX XXXX in XXXX, Ca. 
At XXXX XXXX on XX/XX/XXXX, someone made unauthorized withdrawals using my debit card information including the pin. 
I called Wells Fargo XXXX XXXX right away and reported the fraudulent transactions. 
They canceled my debit card at that point and a new debit card has been reissued which I received on XX/XX/XXXX. 
A 10 day investigation has been opened on my account as of XX/XX/XXXX. 
Claim # XXXX The fraudulent transactions, totaling {$4900.00} were taken out of my checking account. As of today, XX/XX/XXXX, a provincial credit of {$4900.00} has been added to my account while the investigation continues. 
I filed a police report with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Claim # XXXX, with deputy XXXX XXXX XXXX 
I filed a claim with FTC on XX/XX/XXXX, claim # XXXX. 
Since filing the claim with Wells Fargo, I have called the claims XXXX XXXX times in the past week, asking for updates and providing what information that I know when asked. 
Today, there is a provincial credit of {$4900.00} on my checking account while the investigation continues. 
I have Unanswered questions to Wells Fargo : How can someone use my debit card without my pin? 
Why wasnt I notified when the fraudulent transactions began? 

We have been loyal and dedicated customers with Wells Fargo for over 25 years. Never once has a situation like this occurred. 

I appreciate any assistance you can offer. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 2022-08-11
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 swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO XXXX party. I never gave these company any written consent to report anything on my consumer report. please see attached documentation. I need this item removed asap.

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 2023-12-05
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'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 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 2023-01-07
Company: BARCLAYS BANK DELAWARE
State: FL
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:
According to statement multiple transactions were charged to my credit card on XX/XX/2022 and XX/XX/2022. 1 in the amount of {$780.00}. XXXX from XXXX XXXX XXXX. I called in to dispute charge. Barclays investigation stated that charge was authorized. I am disputing this because I did not place order with XXXX  nor did I receive products from 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-06-29
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/22 I made a payment of {$57.00} with bill payment check from XXXX XXXX bill pay service over the phone through XXXX XXXX XXXX automated payment service. Check was authorized and posted to my account on XX/XX/22. On XX/XX/22 I made a payment of {$60.00} with bill payment check from XXXX XXXX bill pay service over the phone using XXXX XXXX XXXX automated payment service. Check was authorized and posted to my account on XX/XX/22. I have statements from XXXX XXXX that confirms these payments were posted to my account. Please note that I made these payments with checks I received in the mail from XXXX XXXX bill pay service and it was my first and second time using the service. I expected XXXX XXXX to pay XXXX XXXX directly electronically. I discovered later that XXXX XXXX was not set up with XXXX XXXX in order to pay them electronically through the bill pay service. So XXXX XXXX mailed the payment checks to me. Also XXXX XXXX debited my checking account for payment of those checks days before I actually received the checks and made the payments to XXXX XXXX using the routing number and account number that was printed on those checks. I called XXXX XXXX after my statement date of XX/XX/22 and discovered the payments of {$57.00} was reversed on XX/XX/22 and payment of {$60.00} was reversed on XX/XX/22. I still had the checks I used to make the payment over the phone. I spoke to a customer service rep and I was told they could not accept the payments I made over the phone. So I had to mail the checks to XXXX XXXX and posted on XX/XX/22 which is the reason why XXXX XXXX reported my account 30 days late. XXXX XXXX 's investigation results where not consistent our accurate with XXXX XXXX 's information. the 30 day late that was reported to my Equifax account was removed and then reported again as 30 day late 2 days ago causing my credit score to go down XXXX points from XXXX to XXXX. XXXX XXXX has mailed me a written history of how the checks were processed I am waiting to receive that information in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Gas was purchased from Exxon station at XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX using a MasterCard at the pump. On XX/XX/XXXX two charges were posted on the credit card for {$100.00} each. Based on credit card charge description the charges came from Exxon station at XXXX XXXX XXXX XXXX XXXX, TX XXXX. Unfortunately did not get a receipt at the pump but charge should have been around {$25.00} for fill up of a 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. 


Account XXXX : XXXX Account XXXX : XXXX 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  ACCOUNT NUMBER : XXXX, Account name : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I NEED THIS DELETED FROM MY CREDIT REPORT AS WELL AS THE HARD INQUIRIES BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was shocked to see some questionable accounts being reported on my report so I wrote into transunion with instructions to correct and update my report. its been a few weeks and I have yet to hear back nor see the reviews.

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 2019-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a full-time student and I found out a student loan I had with Citizens Bank being handled by XXXX was listed as defaulted Citizens Bank and now is in my credit report blocking my other student aid options. All my other loans both federal and private were in deferment or forebearance except XXXX failed to list this one.  Citizens Bank has now referred to collections and I have not been provided the opportunity to make payments even though I am a full-time student. Citizens Banks says XXXX can pull loan back to them but XXXX says Citizen Bank has to initiate the process. Both deny what they need to do. 

I was told by Citizens Bank that I should have been offered a temporary forbearance which was not done but they refuse to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation