BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: EdFinancial Services
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX only began to service my student loans in XX/XX/2023. At that time, XXXX erroneously reported my account 90 days delinquent which is not possible because XXXX became my loan servicer in XX/XX/2023. At the same time, EdFinancial, my previous student loan servicer erroneously reported my accounts 90 days delinquent which caused my XXXX XXXX to plummet XXXX points! XXXX accounts were reporting 90 days delinquent. Now, XXXX is reporting 60 days delinquent and current, which is also erroneous. 

EdFinancial is reporting 90 days delinquent and a XXXX balance because the account was transferred to XXXX. XXXX accounts should not report the same erroneous information. According to consumer protection laws, EdFinancial should be removed and XXXX should report paying as agreed.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Sir/Madam, I am writing to bring to your immediate attention a matter of significant importance concerning inaccuracies in my credit report. I have identified several items that are not compliant with Metro 2 reporting standards, specifically related to the account managed by Midland Credit Management. I kindly request your prompt assistance in rectifying this matter.

Creditor : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Allias : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of Last Activity : Last reported XX/XX/2023 Dispute Type : Metro 2 Compliance Violation I have thoroughly reviewed my credit report and found that the reporting for this account does not adhere to Metro 2 standards. I am formally disputing the presence of Midland Credit Management and any associated negative credit impacts. I urge you to take the following actions : 1. Immediately remove the entry for Midland Credit Management from my credit report, along with any associated negative credit impacts.

2. Perform a thorough investigation into the Metro 2 compliance of the reporting for this account and negative reporting credit items.

3. Provide a detailed response outlining the steps taken to rectify this situation within the statutory time frame. 

Midland Credit Management has failed to adhere to the Metro 2 reporting compliance standards, and failed in any supporting evidence, to facilitate the resolution process. I trust that you will handle this matter with the urgency it requires.

Please acknowledge receipt of this letter and inform me of any additional information or documentation you may need from my end to facilitate this dispute.

Thank you for your immediate attention to this matter. I anticipate your timely response and resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX Account # XXXX XXXXL XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX / XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX / XXXX, has violated my rights 1

5 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 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 2022-12-24
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:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX has 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: VT
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:
There was a charge for {$5800.00} from a XXXX XXXX XXXX account I know nothing about, and never opened. I filed a dispute and received notice that the investigation found no issues. I have screenshots of this account I can provide if helpful. Experian was not helpful and did not resolve my issue even after being told by XXXX XXXX XXXX that I needed to contact that credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, I noticed there were late payments still showing on my credit report. These are old 30 day lates. I had contacted the companies at the time this occurred and they informed me that due to my excellent relationship with them, that the late payment would be taken off of my account. This did not occur as I now see that these lates are still showing on my credit report. I reached out to the companies again, but have had no response. I've attached a copy of the letters that were sent to the agencies but have now addressed them to each of the credit bureaus. 

I also am disputing hard inquiries across all three bureaus. The inquiries I'm disputing are during the time I was purchasing a vehicle, but there are several other institutions listed on my report that did not secure my loan. I need all of those removed please. I did call each of the bureaus to get those removed but they did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I ended up misplacing my phone on XXXX XXXX 2023 at XXXX and at XXXX 2 charges came on to my cash app card account that made these transactions to this unknown merchant and I could not access my phone until 2 days after the second charge went through on XX/XX/XXXX at XXXX. Through XXXX XXXX XXXX my phone was declared stolen and an unknown and unauthorized charge was made through my cash app card to another merchant. Once I eventually located my phone on XX/XX/2023 at XXXX, majority of my cash app account funds were gone and I sent in many disputes to get my money back and cash app has declined them all saying the transactions were unauthorized even when I reported the transactions a scam and a fraud since it wasnt actually me who sent the money but an unknown person using my device sent it. The result of my constant disputes and frustration at my lost money cash app has closed my account and I never received my money back. I even sent a request to the merchant who received my money and that merchant declined it. Twice. So cash app has shut down my account for no reason and would not provide me a reason why. I would like my account ( ending in XXXX ) reopened and my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A letter of dispute has been initiated on XX/XX/2022 with dispute report number XXXX, to remove personal information that is inaccurate on my credit report. 
According to the Fair Credit Report Act 12 USC 1681. I have a right to privacy. Also, according to 15 USC 6802, No financial Institute is supposed to share my personal information with a third-party entity. 
These are clear violations of my federally protected consumer rights list. 
XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
Some of the accounts that are on my credit report is still reporting as late payments and the accounts have all been paid off and they are over XXXX XXXX XXXX. Then they trade collection accounts to other companies which makes it look like they are new collections when they add it to my account. This is unacceptable because these accounts are from XXXX and older and have been paid off. They should not still be populating on my credit report. There is a XXXX  account for {$670.00} that does not belong to me. It belongs to XXXX XXXX and they keep saying its mine. It is notthey account was transferred to his name. I would like these corrected because it is definitely making my credit bad when I actually have no debt but my car payment and student loan. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
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 noticed Transunion is reporting inaccurate collections accounts on my file, so I reached out to them. They verified the accounts even though they are not correct. on XX/XX/XXXX I asked them to provide me with how they verified the information and they never did. They failed to conduct an investigation and they failed to provide their method of verification.

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 2023-12-14
Company: Experian Information Solutions 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-20
Company: EQUIFAX, INC.
State: TX
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have attempted to contact NelNet several times over the past few months to check on the status of my repayment plan change. NelNet is impossible to get into contact with. Their phone hold times are over 2 hours and you never end up reaching anyone. If you reach out to them via email, they will never get back to you. My first payment is due in less than a month and I have no idea how much I actually owe or what my repayment plan status is. This is ridiculous that NelNet is actually getting paid to be a complete XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I reported that i never received my credit card from capital one they credited my account back but they put the credit on hold for 90 days an wont let me access it XX/XX/XXXX for XXXX $ XX/XX/XXXX for XXXX $ an XXXX $ my XXXX statement says i have XXXX $ available but i do not have access to it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My new checking account hasn't been open not even a month before wells fargo closed it. The reason why wells fargo feels that way about me with such malic against me. Was because XXXX XXXX already defamated my character. Well before I open my checking account. She made sure that everyone at wells fargo new about me. My insurance company used wells fargo. So I went to a wells fargo bank to cash my insurance check for hail damage. All the bankers stared at me like I was some type of criminal. This banker XXXX XXXX wouldn't leave me alone about wanting to open a checking account with them. Which I didn't want in the first place. Then she proceeded to make fun of me and my sons facial features. All due to their employee XXXX XXXX slandering my name. Which makes wells fargo libel for their employees actions. Wells fargo hated me well before I opened my new checking account. Well before I even had a account at wells fargo. 

They weren't exercising their right to close my account. When i opened my first account until AFTER, XXXX XXXX falsely accused me of harassing her. Wells fargo owes me damages for all the pain and suffering caused by XXXX XXXX. With her calling the police on me while I was at the bank. 

This is why i am so angry. They let me open a new checking account, but to only closed it not even a month later. I was kept in the dark. When I tried to make a purchase and my purchase was delined. I went to call wells fargo, with a banker told me the business relationship went bad. I just opened this account. Now i can't do any business with wells fargo because of XXXX XXXX. 

I don't care about their stupid cause. They didn't have a right to close my account. By forcing me to drive back and forth to the bank to open a new checking account. This violates my civil rights telling me I can't enter a wells fargo back. Even if I have a check made out to me with wells fargo bank all because of wells fargo slanderous false accusations.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 mid XX/XX/2022, the credit agency never did a proper investigation the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. they did not do this also they violated my rights even more, in accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer report. The credit agency stated my report was properly investigated but how is this possible if the open date, date of last activity an date last report are not accurate. This is grounds for removal. XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX XXXX15 USC1681 section 602 A states i have the right to privacy- 15 USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish a account without my written instructions -15 USC1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom there repot relates - 15 USC1681c ( a ) ( 1 ) information excluded from consumer report except authorized under subsection ( b ) of this section no consumer reporting agency may make any consumer report containing any of the following items of information, ( 1 ) cases under title11 ( United States Code ) or under Bankruptcy Act that from the date of entity of the order for relief or the date of adjudication

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 2023-09-13
Company: CITIZENS FINANCIAL GROUP, 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:
The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
CITIZENS BANK XXXXXXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CITIZENS BANK customer service representative.

Company response to consumer: Closed with explanation