BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: Experian Information Solutions 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:
During my annual credit pull from all three-credit bureau in XX/XX/XXXX to check for inaccurate information, I came across a delinquent charge from XXXX in the amount of {$680.00} on Experian and XXXX. After discovering this I immediate froze my accounts with each credit bureau. This account was opened fraudulently without my authorization. I have never had XXXX  cell phone service. Additionally, I have never resided at the address XXXX XXXX XXXX XXXX which is also being reported. I have contacted XXXX requesting to be provided an original signature opening this account. I have also filed multiple disputes with Experian and XXXX requesting this information in XXXX and XXXX, I have not received satisfactory results from either organization.

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 2020-04-07
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On monday XXXX my friend sent me money PayPal refused to tranfer the money into my bank account until friday XXXX. Meanwhile at the same time PayPal refused and limited my ability to pay invoices and send people money with my credit card. I have been out of work for weeks and most of the people I know have been too. So through my credit card is the only means I have at this time. 

On sunday XXXX I attempted to make purchases on XXXX  with my credit card and was denied. I was told by XXXX website I must use paypal to make these purchases on XXXX. Even though the XXXX   listings accept credit card payments. I contacted XXXX  and tell my credit company has already approved me for XXXX in purchases on XXXX. The XXXX  representative tells me that PayPal handles the purchases on XXXX. 

PayPal is restricting me from using their services and PayPal is estricting me from using XXXX   services as well. What's next can PayPal restrict my bank service? This is ridiculous!!!!! Anyone with any decency would understand the people are going through hard times now and PayPal should not be allowed to do this. 

PayPal at first claimed they were concerned that this was fraud. Someone else may be using my account. So I sent them a copy of my driver 's license and my most recent credit card statement. After they saw who I was then the story changed to I must be up to something illegal. I believe this to be because I am XXXX. PayPal also violated my friends right to privacy by disclosing a piece of her account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loan servicer Nelnet has inaccurately reported a missed payment in the amount of {$45.00}, which could result in financial harm to me including impacting my interest repayments and credit score. For the time being, I have paid the inaccurate balance to avoid further issues, however this mistake must be addressed and resolved immediately upon receiving this complaint. 

Additionally, an amount due of {$130.00} for XX/XX/23 is currently being shown on my dashboard, which is an inaccurate figure. 

The accurate amount I should be paying each month is the following, which I have paid each month in full ( proof is attached to this complaint ) : {$390.00} Asking me to pay any other amount, and punishing me for failing to do so, is fraudulent and abusive. 

Since reaching out to Nelnet directly means a 2+ hour wait on the phone for customer service, I'm forced to pursue other avenues like submitting this complaint. 

This is the second complaint I've been forced to submit. I will be reaching out to my congressperson about the atrocious treatment Nelnet has subjected me to. It is unconscionable to treat people in this way. 

If necessary, I am also prepared to contact a lawyer if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One refuses to authenticate me to handle matters pertaining to my account. 

Generally, my only available method to contact Capital One is using a mobile telephone. I do not use smart phone " apps ''. When I call Capital One, they refuse to speak to me without sending a text message to my mobile phone. However, I can not receive text messages while I am on the line with the representative. Capital One only offers to send a two-factor authentication code by SMS " text message '' and not e-mail. Therefore, I have no way to authenticate in real-time when I'm on the line with the Capital One representative. 

On multiple occasions, I've been transferred to another department to " authenticate me ''. When I am connected to this department, Capital One representatives ask many detailed questions about me, which I answer, and then they tell me that they need me to take photos of a government issued photo ID. I take the pictures, and they email me a link to upload those pictures, but the link does not allow me to upload the pictures from my web browser. It requires me to use a smartphone app. As I said, I do not use smart phone apps. 

Please tell me how you allow a company to operate when they refuse to talk to their customers. In the agreement I signed, it was not made clear that I would need to use a smart phone app to send photos of my government ID every time I would try to make a call to communicate with the company. 

My most recent call was XX/XX/XXXX and lasted 36 minutes. After 36 minutes, the agent stopped responding to my questions on how to send the photos of my government ID. The purpose of my call was to have Capital One change the delivery address for the debit card for an account I had just opened. From the web site, I could see that they are planning to send the card to the wrong address. You would think this is something they would want to resolve. 

Furthermore, I often attempt to access the Capital One web site from my office, located in an office building where I do not have cell phone reception. The requirement to receive a two-factor authentication code by only by text message and by no other means is simply unacceptable, because I can not access my account at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I signed up for the Citi Premier Card with an XXXX point sign-up bonus for {$4000.00} spend within 3-months. I didn't receive my credit until nearly a month and a half later on XX/XX/2022. During this time, I had to call Citi 4 times to ask them to resend my card before it finally arrived at my address. Each time I called, I asked for clarification if this would affect my sign-up bonus. Each time, the customer service associate assured me that I could simply ask for an extension, and it would not be an issue. 


On XX/XX/2022, I called Citi and asked them for an extension after using my card for a few months, they informed me that a request for an extension would be filed. I had to call Citi an additional 3 more times, before I received an answer on whether or not I received an extension today on XX/XX/2022. I received no explanation for why I was denied, had no ability to communicate with a supervisor and no indication that my concerns regarding my card arriving late were even considered.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX, Transunion, and XXXX are reporting that I do not have a credit profile. I have sent documents in XXXX with proof of identity and still receive the same outcome. Please advise these bureaus to update my information showing correct and up to date scores and information as it is affecting my livelihood.

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 2023-01-01
Company: Experian Information Solutions 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 sent letters to the credit bureaus telling them that the inquiries on my account weren't mine and were inaccurate. I sent the Letters on XX/XX/22 I haven't heard back from them. 



I understand that under 15 U.S.C. Sec. 1681i ( a ), that the credit bureaus must complete this reinvestigation within 30 days of receiving my letters.

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

15 U.S.C. Sec. 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 2021-10-20
Company: Spring Oaks Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spring oaks capital LLC is re opening a debt and hitting my credit score again for a debt already reported and impacted my score. This dropped my credit score XXXX points for something showing under another debtor already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I received a notification from USAA demanding proof of flood insurance for home equity line of credit otherwise coverage would be forced placed. I have flood insurance through USAA. Why is USAA sending me forced placement notices? 

After attempting to follow the instructions, the automated prompts provided another number for me to call. 

I spoke to someone although I am not confident the appropriate action is taken as there was no follow-up phone call or email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. XXXX and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The XXXX is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the XXXX has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The unverified items listed below remain 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 mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XXXX  XXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XXXX XXXX  ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$3000.00} ) # XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX/XXXX  XXXX  XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2023-01-01
Company: Experian Information Solutions Inc.
State: MD
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 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 XXXXXXXX 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 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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX XXXX XXXX XXXXXXXX, 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

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 2023-07-26
Company: Frontline Asset Strategies, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried switching over to XXXX and was waiting for my number to port over like the representative told me, but they did not complete it. I called XXXX numerous times trying to find a resolution or an explanation, but they kept giving me the runaround. My service with XXXX  was never fully active, and I was never able to make nor receive calls. What makes this matter even more complex, is the fact that I signed up with XXXX because they promised me better service and no hassles, but that was exactly what I received. 
As a cause to all of this, I ended up switching my service over to XXXX, and XXXX ended up charging me {$85.00} and even sent it to a collection agency. I received numerous calls from the collection agency, and I made an agreement with the collection agency ( the only reason I made a payment for services I never received was because they promised to remove everything from my record and write it off completely ). After numerous months, I have once again started receiving calls asking that I once again pay the {$85.00} that I already paid. I need help with this immediately and need this removed and resolved as soon as possible. 
The representatives from Frontline Asset Strategies confirmed that I made a payment already but did not have the part that stated that this matter was taken care and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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: Information belongs to someone else

Complaint:
I disputed several items with TransUnion by certified mail 60+ days ago and did not get a response. I am therefore disputing the following items through here, if this is not resolved with TransUnion, I will file claims in small claims court for each item I am disputing as they are a result of identity theft : Credit Items being disputed : XXXX XXXX ( all 3 accounts ), XXXX XXXX, XXXX XXXX, XXXX XXXX. 

I am also disputing the following 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. I did not authorize any of these companies to run my credit and they are a result of identity thef.t

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