BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I been having major problems with Nelnet Lns. I have Proof that Nelnet Lns is in violation of the Fair Debt Collection. I also have Proof that Nelnet Lns is in violation of the Fair Credit Reporting Act. I also have proof that Nelnet LNS is in violation of the Truth In Lending Act. I will be providing all documents to show proof. 

The Definition of a Credit Card under 15 USC 1681 is the same as 15 USC 1602 ( l ) which means " ANY CARD '', plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My social security card is my credit card what I use in a Consumer credit transaction.

Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions. any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Nelnet Lns has been reporting negative information on my consumer report. I will be providing proof of all violations.

I sent Nelnet Lns a cease and desist letter Pursuant to 15 USC 1692c ( 2 ) also included Pursuant to 15 USC 1692c ( c ) ( 2 ). Nelnet Lns did not 100 % follow my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: SG and Associates
State: LA
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 RECENTLY PULLED MY CREDIT AND THIS COLLECTION WAS ON IT. THE COMPANY NEVER SENT ME ANYTHING BY MAIL, EMAIL OR ECT. TO GIVE ME A CHANCE TO VERIFY ( CHALLENGE ) THE DEBT WAS EVEN VALID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX has a Pre-Qualifying tool online that advertises that you can prequalify without affecting your credit score. Unfortunately for me, I was using this tool for over 1 year. I pulled my credit report recently and noticed I had several inquiries on my report from XXXX XXXX from using their qualifications tool. I contacted XXXX  XXXX with my concerns and was told maybe l used the tool incorrectly. It is impossible for anyone to use this tool incorrectly. When prequalifying, you must enter your information into the fields presented. This tool will then populate what you are qualified for. Once qualified, you select the card and then you select Apply. Unfortunately for me, I was only prequalified for the secured card which I accepted on XX/XX/2021. Each time my score goes up, I always try again but still only qualify for the secured. My issue is all these inquiries that are not supposed to be on my report is appearing when its not supposed to affect your credit score. These inquiries need to be removed because this is real bad practice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 review the following accounts that appear on my credit report, without any authorization, they are not mine, it is hurting me Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXXXXXXXXXXX**** This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
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: Investigation took more than 30 days

Complaint:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had a year and 7 dispute letters sent to resolve this and they have failed! Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collections account reported on my credit report that should not be. According to the statute of limitations in the State of Texas, creditors can not report an account if the account is older than 4yrs. This particular account in the amount of {$1400.00} was closed back in XX/XX/2016and the creditor is just now try reporting. Creditors has the right to contact me directly to resolve, but they do not have to right to report on my credit report if account is older than 4yrs. old.

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 2023-03-27
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. 

XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXX have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX  have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights. 
XXXX XXXX have violated my rights. 

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

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

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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 NUMEROUS 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 accounts 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 ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-08-04
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently received a copy of my Three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-04
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Dear Office Of Attorney General and Bureau of Consumer Financial Protection : Regarding : Citi Bank Discriminatory Lending Practice. 
Citi Bank Application ID : XXXX XXXX XXXX : 1. I received an offer from Citi Bank for Pre-Selected to Apply for Citi Custom Cash Car ( Copy Attached ). 
2. I did apply om XX/XX/2022 ; a few days later I found the application was declined for an odd reason sounded like a personal and dosimetry opinion. 
3. The reason, as stated here in the attached letter, referred to credit obligation that was Too High but never indicated too high to What. 
4. Citi Bank provided Phone number ( XXXX ) to call with reference number # XXXX. The phone number works but keeps you waiting for near 15 minutes then, the system tells you No one is available to answer your call!. 
5. Again, I called today XX/XX/2022 but same message came out after waiting another 15 minutes. 

Conclusion : 1. My Total Debts to Income ratio is very low may be under 32 % since I do not have any Credit Obligation more than my Mortgage and all other credit card paid off on monthly bases. 
2. My Assets to Credit Limits are 2:1 Since Citi Bank never requested me to provide any Income or Assets Varication to provide dependable Ration that can be matched against their Written Policy, I strongly believe the Bank has been adoption discriminatory Lending Practice uses Personal Opinion rather than procedure to verify the facts of the application. 

Please contact the bank and have them provide you with my Total Debit To Income ratio and have them define the meaning of Too High to meet their approval Guideline. 

Sincerely 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 2023-09-10
Company: Maximus Education, LLC dba Aidvantage
State: GA
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:
After pulling my consumer report on XX/XX/, I filed a dispute with Dep of Education Loan Services/ Aidvantage also the three major credit bureaus XXXX XXXX XXXX XXXX and XXXX XXXX I disputed 8 accounts that were furnished onto my consumer report by Aidvantage/ Dep of Education Loan Services that were reporting age was over 7-10 years. Lawfully Aidvantage should have removed these accounts from my consumer report as they were delinquent. On XX/XX/ XXXX sent me their Investigation Results also XXXX dispalyed the results same as XXXX after the Investigation. The Invesigation reults from the disputed accounts were 6 out 8 Aidvantage accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to Aidvantage for continuingthe furnishing of false and lawfully disputed information. Aidvantage has made it clear that they do not respect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I opened a new account with Citi Bank ( XXXX XXXX  card ) and made a balance transfer at the time of opening. They mailed a card but it never arrived. I called and verified my address and they mailed a second card which also never arrived. When I called again I spent over three hours on the phone with customer service being transferred back and forth between departments ( general customer service, account specialists and fraud department ). Each new agent asked questions to verify my identity and then placed me on hold only to return and transfer me. I was able to gather that the account had been closed 'by accident ' by one of their reps and that there was some issue with my social security number. I was told by several reps that the account could not be reopened and by several others that they would reinstate it. I was told by several reps that I had a XXXX  balance and several others reported the full balance ( from the original balance transfer ). I was told by most of the reps that there was a mismatch of social security numbers and by two or three that it did match. One rep ( early in the call ) read it back to me incorrectly, with one digit being wrong so I am assuming he entered it wrong causing the issue. Nobody I spoke to would answer any of my questions about what was going on, what the problem was, why they kept transferring me or what I could do to resolve the issue. They just kept transferring and verifying despite me telling them what was going on and asking them not to. At a certain point they exceeded the number of identity verifications they were allowed in a day and told me to call back in two days to continue this fun adventure. That's it. No further explanation. They said they were not allowed to discuss it with me even as I tried to explain that the problem was caused by a rep.

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 2022-10-07
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: Account status incorrect

Complaint:
I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in XXXX XXXX, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed.

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 2021-08-04
Company: Bread Financial Holdings, Inc.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This account was opened on XX/XX/2021. I use it for deposits from a rental property. On XX/XX/XXXX I logged into the account in order to make an outgoing transfer and the account had a 'restricted ' label on it. I called Comenity ( the bank ) and they said the account was restricted on XX/XX/XXXX and they confirmed that I had not received any notice/communication that the account had been restricted. While on the phone with the bank on XX/XX/XXXX, I was told that the account was not restricted due to fraud but they could not tell me why it was restricted or when it would be unrestricted. They also informed me that while the account was restricted on XX/XX/XXXX, there were no notes on the account as to why it was restricted and there were no updates regarding the account since XX/XX/XXXX meaning it was in a restricted status for over 14 business days without an update. 

At the moment I am unable to withdraw funds from the account but am able to deposit funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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