BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: CA
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 am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-13
Company: Nelnet, Inc.
State: CA
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:
My Nelnet student loan payments are not processing. I received email correspondence stating that the account associated with my automatic withdrawal had insufficient funds. That account at no time had insufficient funds. I've also submitted a payment using the " make a payment '' option and it is still processing after several days. 

The Nelnet website discourages email. I've called and emailed. Call wait times are always over an hour. 

My loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a forbearance on/around XX/XX/XXXX due to the impact on my employment incident to COVID-19. On XXXX XX/XX/XXXX, I recorded my phone call with a supervisor of PennyMac, my lender, refusing to assist me with forbearance-related questions because I would not provide answers to additional questions. My understanding of the CARES Act is that I only need to attest that I am experiencing a hardship due to COVID-19. I relayed this to the supervisor, but she stated the lender required additional information. I threatened to take legal action and report PennyMac 's violation, but this did not deter PennyMac 's behavior. The supervisor made it clear that the forbearance was optional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
Your Company USAA FSB is furnishing inaccurate information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s2 of your responsibilities as a furnisher of information USAA FSB XXXX Balance : {$22000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 : 1. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. This account has never been late. 
XXXX, XXXX. 
Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX 
Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX 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 2023-08-15
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Corp Solutions filed a lawsuit against me for unpaid debt on what I strongly suspect is a fraudulent credit card account opened in my name. The debt amounts to a total of {$1600.00}, due over 2 years ago on XX/XX/XXXX, with a statement closing date of XX/XX/XXXX. The original issuer is XXXX XXXX XXXX XXXX is the attorney for the plaintiff, and the pretrial conference will be on XX/XX/XXXX at XXXXXXXX XXXX 

I logged into that Credit Corp account and checked the contact details ( I don't have access to the account details ). I discovered some key things : 1 ) The email listed on the Credit Corp account is not mine -- I recognized it immediately as my sister 's. This explains why I hadn't received any emails for the past ~3 years. Receiving the pretrial conference notice was a complete surprise to me. 

2 ) That same email also appeared on my credit reports with XXXX, XXXX, and XXXX. 

3 ) I never lived at the address mentioned in the trial notice, which I also recognize as my sister 's previous residence. That address appeared on my credit reports too. So I disputed both the address and email with all the 3 aforementioned credit bureaus. 

4 ) Whoever opened the credit card account did so using my middle name, not my legal first name, so that's another mistake they made. ( I don't want to jump to the assumption that my sister was responsible for this, I don't know if she was framed or not ) 5 ) I don't recognize the charge that I owe the debt for, which is a " Promotional Purchase. '' I tried to look at those above transaction details to know more, but I came to a dead end because of these obstacles below : 1 ) XXXX account. I tried to check 1 ) the account details and 2 ) the transaction history, but I don't know the original account number besides the last 4 digits mentioned in the trial notice. I asked XXXX 's customer service for the Account ID I need to log in, but they just forwarded me to Credit Corp Solutions, so XXXX became a dead end. 

2 ) XXXX XXXX XXXX account. My First Name is wrongly listed too, but I haven't found any other relevant information about the fraudulent credit card account.

I think I've exhausted all my options for founding out more about this fraudulent account and what the transaction history looks like. My pretrial conference is in 3 weeks and I would like an investigation into this case. I hope to get an answer soon if at all possible and have enough time to prepare before the conference.

Below I attached my credit reports ( disputes still pending ) which show that fraudulent address, as well as a screenshot of the contact detail on the Credit Corp account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: U.S. BANCORP
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a bolt cutter from XXXX that was supposed to cut steel up to XXXX inch diameter but only cut steel at XX/XX/XXXX inch diameter making it useless. XXXX only allows returns for just 30 days but I did not need to try it until 60 days later. After filling all 6 pages of information always demanded by US Bank for every charge back, and ignoring all other information sent to them ( I think this is a violation of federal law ) I just received a letter from them on XX/XX/XXXX denying my charge back without giving me a reason, and threatening me saying if I do not pay this charge on time they will report me to 4 credit reporting agencies hurting my credit rating. I have never missed a payment with this bank?

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 2023-08-15
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: 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Loan amounts do not match across credit reports and are all inaccurate. 
Loan balance is inaccurate. 

The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal.. This company have also violated my rights under 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a car financed by US auto sales. They transferred over my car to Westlake portfolio management. When I initially got the car it says with the warranty and XXXX it would be XXXX XXXX. Since theyve transferred the loan, the payments Ive made for over a year and a half are nowhere to be found. They are saying I still owe the amount from when I initially got the car. They also are still charging me for XXXX and extended warranty however, it is not showing up that I have any on my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-12
Company: Continental Finance Company, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I write this to explain the lack of consideration or repeated attempts to have this organization from continuing harrasing me regarding a late credit card payment. On XX/XX/XXXX my XXXX XXXX XXXX XXXX XXXX  at my mother 's residence while my family was out of the country on vacation. Upon hearing the news, I drove cross states lines to immediately be on site. Through the turmoil and trying to discover the reason for the unexpected death, I was contacted by Continental Finance ( phone listed below ) in an attempt to collect a payment on XX/XX/XXXX. I informed them of the situation and to please stop calling me 4 times a day at randon times to collect a payment and that I would resolve the matter as soon as I arrive back home. The calls did not stop. Since I was out of my home state, the calls would come prior to XXXX since they apparently were not aware of the time difference and after I have talked to them multiple times. In the last three days alone, I have personally received 9 calls from this organization. Today I arrived back home and as promised, I called them to make a payment on my account. During the call ( 24 mins on hold ), I received two calls from them as I was attemping to make the payment. The representative informed me that they are not dialing the numbers manually and that they do not have control on how the calls are made. That their organizations back end system calls throught the day and their goal is to make sure their clients receives payment. So, my personal privacy nor my families time is valuable to them? I asked him plainly and clearly after I explained to him again my brother 's untimely passing on, " how much do I owe your organization so I can determine how much my brother 's life ment to them ''? He informed me {$100.00} dollars. He asked me " why couldn't you pay the balance then ''. Which I explain that I was not aware of the cost of burrial, travel and expenses while I was gone, during the holidays at that, so therefore I wanted to ensure I have the reserves to pay not only the {$100.00} for my credit card but also all the unexpected expenses. This company is notorious for this and not the first time either. I have been XXXX due to a XXXX XXXXXXXX and due to a XXXX XXXX ( that I developed after XXXX ) and both times this organization did the exact same business practice. I want to bring this to your organization 's attention since according to your fair debt collections practice, this organization is not playing by those rules. Please contact me directly if you have any question or if you would like to see call logs outlining the information I have provided.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 please remove this fraud inquiry from my credit report

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Have reached out XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 in regards to debt validation. I received letters each time stating they have validated the debt as mine without providing proof of validation. When I reach out to these individual companies myself, they also fail to provide proof.

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 2019-09-15
Company: Google Compare Credit Cards Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have purchased multiple gift cards [ {$200.00}, {$75.00} ] for Google Play & was given a google play gift card [ XXXX ]. I paid cash for the gift cards and the card I was given was purchased on my friends bank card. Google prompts me to upload an image of the gift card, receipt of purchase, and a proof of residence in which I immediately do. We are going on 8 days and Google has tied up my money and not allowed me to use my gift card purchases. I am getting a Bureaucratic runaround and no evident action is being taken. I am continously being told Google can't provide any additional support in the matter. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Resurgent Capital Services L.P.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I used my XXXX XXXX XXXX on vet emergency for my dog. XXXX. I had XXXX XXXX and XXXX made it so I couldn't pay it. Last year my son passed in a car wreck I finally got clear enough to think contacted XXXX XXXX who tells me the acct was written off. I check XXXX XXXX and see this LVNV debt for this XXXX XXXX debt that XXXX XXXX has written off. They are showing it was incurred XXXX which is inaccurate. I dispute it and through the process of this I get a collection notice from another collection agency trying to collect this XXXX for LVNV. XXXX claims the debt is right I dispute again because I ow XXXX XXXX not them, the dates aren't right and they have another collection agency trying to collect the debt for them while they are trying to collect on a debt XXXX XXXX has written off. I can scan the original debt paperwork from alpine animal hospital and the collection notice from the place LVNV hired. Just let me know if needed. I am on my phone or I would upload now.

Company response to consumer: Closed with explanation