BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX DATE : XX/XX/XXXX This is my second dispute WHY WASNT AN INVESTIGATION DONE ON MY FIRST DISPUTE REWCEIVED ON XX/XX/XXXX? 

WHY ARENT MY ACCOUNTS UPDATED AS DISPUTED? 

YOU ARE IN SERIOUS VIOLATIONS OF THE FCRA DELETE THESE INCOMPLETE ACCOUNTS AND DELETE THESE INACCURATE ACCOUNTS I am writing to address a matter of grave concern regarding the accuracy of my EQUIFAX credit report, as provided by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My recent investigation of the Equifax credit report has revealed numerous inaccuracies and incomplete information on the following accounts, and I must insist that these matters be rectified promptly : XXXX. XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX - Reporting 30 days past due in XX/XX/XXXX, despite no Date of First Delinquency reported. 
- Account Status marked as " PAYS_AS_AGREED, '' raising questions about the 30 days past due notation. 
- Missing information under Delinquency First Reported and Date of Last Activity, causing confusion. 

XXXX. XXXX Account Number : XXXX XXXX - Reporting a balance of {$320.00}, even though the account has been closed/charged off ( balance should be {$0.00} ). 
- Account Status reported as " NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE '' despite only one instance of 30 days past due in XX/XX/XXXX. 
- A past due amount of {$46.00} is reported on a closed account. 
- Inconsistencies between Date of First Delinquency ( XX/XX/XXXX ) and Payment History ( reporting on-time payments in XX/XX/XXXX ). 

XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX - Account Status reported as " NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE, '' despite no late payments indicated in the Payment History. 
- Missing information under Date of Last Activity, raising questions about the account 's status.

Company response to consumer: In progress
Consumer complaint received 2023-07-28
Company: Nelnet, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was going through my credit report and noticed multiple debts was added to my credit report by this corporation Nelnet. I have never made an account by this corporation so therefore this corporation can not claim I owe them any payments. Great Lakes has sold the debt to this corporation so therefore Nelnet has had already been profiting and is now the owner of the debt. Since they have profited and is the owner of the debt, then they have the funds to pay off what they owe. I demand that you terminate this debt for I am not obligated to pay this alleged debt. Since this corporation believes, I am obligated to pay them they are by law a debt collector. In pursuant to 15usc1692 ( 6 ) a debt collector is any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. I demand this alleged debt to be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NJ
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:
I am writing to formally dispute the reporting of late payments on my XXXX XXXX file, specifically related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report ( Reference Number : XXXX ), I noticed that these late payments are inaccurately reported, which is adversely affecting my creditworthiness. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as Paid on Time or OK.

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. 
Please initiate an investigation into this matter immediately. According to the FCRA, you are required to conduct this investigation within 30 days of receiving this letter. Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made. 
I thank you in advance for your cooperation and expect a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to contact this company on multiple occasions and was not able to speak with someone that can give me an Acceptable answer of why I am being charged this amount. I have been sent an incorrect bill that I do not agree with.The amount of {$1500.00} is outlandish and is definitely NOT something I owe. I am being charged for things that are not correct and simply NOT TRUE. I have contacted this company on multiple Occasions and have gotten nowhere. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Nelnet, Inc.
State: TX
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:
Nelnet has been completely incompetent when it comes to successfully processing IDR applications. I went to FASFA and applied for the SAVE IDR repayment plan. According to the payment calculator based on my income I should owe {$0.00}. FASFA confirmed that they had my permission to access my information from the IRS where they can easily see that I have always made under {$30000.00} a year. I submitted my IDR application along with a tax form sent by my employer but after finding out that Nelnet doesn't accept this as proof of income I went to my Nelnet account and uploaded a document showing a recent payment received from my employer as proof. Last week I got a notification on the website saying some information was missing from my IDR application and that they would send me email saying what they needed. I never received an email. I have already provided proof of income so there is no information missing. Now when I go to Nelnet site it doesn't even show my IDR application being processed any more and I can't reapply since the page of the FASFA site is experiencing an error. I have reuploaded my application and the proof of income to the Nelnet site. I have turned off Auto Debit since I should no longer owe them any money and have no intentions in paying when my low income qualifies me for no more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have identified account transactions that do not relate to any transactions made by me. It is evident that my personal financial information has been compromised and used without my consent or knowledge. Under federal law it is considered identity theft to use a persons identifying information without their consent. I am notifying all agencies who is reporting this account information to remove it from my name and any records pertaining to me. 

I have competed an identity theft report, with instructions, and identification which is attached to this complaint.

Company response to consumer: In progress
Consumer complaint received 2023-10-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
It will be a year in two months this account has been frozen. No one has reached out or return phone calls. 


On XXXX I spoke with a unknown woman from Citizens Bank. She stated that my Business checking account with " XXXX XXXX XXXX XXXX XXXXXXXX XXXX " was on hold because my business address didn't match, she also stated that my license number didn't go to anyone, she questioned me about why i get my license in XXXX of XXXX. She also stated my ssn wasn't registered to a person. This unknown woman stated once I went to the bank to fix errors she would release my funds. Once i went to the bank I filled out a w-9 form, I gave the banker a copy of my drivers license and ssc. The banker brought to my attention that the first 3 numbers were different in the system than what was showing on my ssc ( updated ) Human error. Also he ran my drivers license number and it came back valid. I don't understand why this unknown woman lied and said my license weren't valid. I contacted the unknown woman back. The text messages are attached. Please look at attchments. This woman lied to me she did'nt release my funds like she told me she would. I've been trying to reach out to unknown woman she will not return my phone calls or text messages now. I sent this person personal information via text message I'm not even sure if this is legit at this point. All I want to know is wny my account on hold and why am i being investigated. I feel this is XXXX profile for the fact this unknown person stated she doesnt understand my bank activity. ( This is my bank account therefore my banking activity has nothing to do with anyone as long as i'm not commiting fraud. ) My company did a background check on the iphone cell phone XXXX. The background check shows a XXXX XXXX or XXXX XXXX as the owner. Email address XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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:
I have never had any STUDENT LOAN ACCOUNTS! I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XXXX XXXX ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To better access my XXXX report, I attempted to sign up for an account via the online process in XXXX of 2023. Each attempt results in an error saying that " a security quiz '' can not be generated on my behalf. After contacting XXXX, they provided no resolution moving forward. My goal is to simply create my account.

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: EQUIFAX, INC.
State: CA
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 have tried to notify the bureaus take down my child support due to the new law that has been passed this year 2023 which is the FACT act That defines the word credit only when the collections is in connection with a credit transaction number two Credit Agencies must have a court order authorizing to report it written authorization to report it for a contractual agreement to report it permissible purpose and collections is in connection with the credit transaction which child support is not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/2023 I applied for a payday loan and received the funding in the amount of {$770.00} on my debit card. It was agreed by an agent that my payments would be XXXX XXXX monthly and the first payment will begin on XX/XX/XXXX. XXXX. A few days later I received a phone call about how I was treated by the agent and when will my payments start. The old agent was gone and replaced with another agent. Everytime I came into the store location she would run and disappear. My first payment start and {$55.00} was taken out of my account. On XX/XX/2023, I discovered that more money was removed from my account than agreed. I contacted the corporate office and was told he will give me a call back. Then I was told to contact the branch. On XX/XX/2023 I spoke with the first agent and she could not answer my questions. The payments are not going down but continuously adding up. She did not have the same information in her database that I was reading to her. I learned that I am being charged XXXX dollars and XXXX XXXX cents a day in interest fees plus my payment of XXXX  ( principal ) dollars goes to the interest again. However, only {$18.00} dollars is being applied to my payments, which is the smaller amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent the following email multiple times to Venmo and they will not respond. 
Please respond to my dispute request ASAP. I don't know who the person is that used my bank debit card without my permission but they did 5 charges for Venmo. I have never used Venmo and probably never will after this. I did just now set up an account on the app because your website made it sound like I had to, to do a dispute. Your website is very confusing. I tried calling but couldn't get anyone on the phone to help me. The only reason I learned of the fraudulent charges on my bank account is because I received a fraud alert on my phone yesterday morning asking if I just did a charge for Venmo for {$10.00} and I responded NO immediately and then looked at my account and realized 4 more charges have been made on my bank account. No one else has access to my bank account and I, nore anyone else in my family uses VenmO and does not have access to my debit card. I contacted my bank and they will not intervene because you are a XXXXXXXX XXXX. My bank account is not overdrawn because of the XXXX who did these charges on my card. I want it investigated and I want the person responsible for the fraud prosecuted. I want this investigated immediately and I want the money back in my checking account immediately. It is impossible to get anyone on the phone at Venmo to help me, your chat system is not helpful and your website does not make it easy to file a dispute and is very confusing, especially at such a stressful upsetting time like this. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX Reported XXXX XXXX XXXX, XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: In progress
Consumer complaint received 2019-11-21
Company: Experian Information Solutions 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:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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
Consumer complaint received 2020-12-01
Company: CreditNinja Lending, LLC
State: TN
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 received my credit report and found an inquiry on my XXXX  report. The company that inquired was XXXX XXXX on behalf of Credit Ninja. I have never heard of Credit Ninja or ever applied for credit with them or any company they are associated with.

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 2023-10-30
Company: CITIBANK, N.A.
State: PA
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:
SOmeone attempted to open a card in my name. Want to report fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: General Motors Financial Company, Inc.
State: GA
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:
Reported late payments to credit reporting agencies : XXXX, XXXX, and XXXX. All of these companies have different information and are not accurate in each report. In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I would like every discrepancy removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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