BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it 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 2022-03-16
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I completed the process to receive PSLF in XXXX 2021 and received a letter stating I would not receive credit for my previous loans payments if I consolidated. I qualify under the new waiver, but did not continue with the consolidation because of this letter. After researching, I know the letter had incorrect information that kept me from continuing my process to receive PSLF. I now have to start the process all over again and contact my service providrs to see if I can still consolidate because FedLoan sent me incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : This letter is in response to your recent claim that [ DEPT OF XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Experian Information Solutions Inc.
State: DE
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:
Experian will not help me during disputing FALSE information on my credit report. I am registered with XXXX XXXX XXXX XXXX, a credit counseling company for the last 3-4 years. I pay on time every month, yet on my credit report these 7 accounts show as closed / charged off / and no current pymts for last few years. I am being denied mortgage refinance and car loan because of these False lies. Can you help me!!! Experian has no working telephone number that lets you reach a live customer service rep. I don't think its fair they can put false info, avoid reporting I pay on time every month for last several year on my report ans show. One example of the 7 accounts is below so you can see all 7 are  the same with different accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account was in dispute-now resolved-reported by subscriber Charge-off Balance {$0.00}

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 2023-11-01
Company: Nelnet, Inc.
State: NC
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:
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following items must be deleted : DEPT OF EDUCATION/NELN XXXX, DEPT OF EDUCATION/NELN XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX and DEPT OF EDUCATION/NELN XXXX. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been an American Express customer for over 20 years. I have spent millions of dollars both personally and for business across many cards over those years. I currently have three cards with AMEX. Two personal and one business. Three weeks ago I received a message that charging was suspended and all three cards. I have tried to call them 10+ times and the only answer I get back is that it is under investigation. I have NEVER missed a payment and I have paid my balance off 100 % of the time. I have a XXXX balance currently. Nothing makes sense and they won't allow me to use my cards. This is causing an extreme amount of hardship to not have access to my credit cards. I have contacted the office of the president of AMEX with no luck either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In 2015 I took out a loan to purchase a car from Ally financial the balance that is being reported as a charge off is currently at {$6100.00}. The issue that I have, is that ally was sued and found to have charged me and other minorities with excessive interest rates. I was included in the the law suit and received financial compensation for their illegal practice. However, they refused to remove the charge off from my credit. I have made multiple attempts to have them remove this. It is negatively affecting my credit and ability to purchase a home or receive other loans at a decent interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied and received a credit card from Bank of America earlier this year. 
I was using it to purchase items from XXXX and XXXX different times they blocked my card saying they suspected fraud. The first verification was late at night here in Hawaii where I live. The guy asked me questions about my credit history and it was very confusing, so I guess I didn't answer them correctly. The next day I talked to someone else who was able to verify my purchases. Then when I went to use my card again I was blocked again. I had even set up alerts in case there was fraud. They blocked me again and this time they said I had to physically verify my identity in a Bank of America branch. I live in Hawaii and there is no Bank of Ameria branch. Then next thing I know my account is closed. 
I just talked to someone today and I can't even make payments online. I have to send a check in. 
I am very humiliated as I am a XXXX  and I am XXXX  and work full time making $ XXXX a year. I have no reason to commit fraud, and I just want my credit card to be reopened so I can use and make payments. 
I am hoping you can help fix this situation.

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 2022-11-10
Company: EQUIFAX, INC.
State: NM
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 items 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 items listed below : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$350.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3800.00}, XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2022-11-10
Company: EQUIFAX, INC.
State: OH
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 previously sent a dispute letter addressed to you requesting that you update, and correct the disputed erroneous account that is reporting inaccurate information on my Credit file. I have read that you are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up on the previous CFPB complaint I submitted complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit Reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of the investigation. However, you have failed to send me copies of the documents they are required to send me and claimed that the accounts are verified. I am requesting the Credit Bureaus to please correct the listed account from my Credit report : XXXX XXXX XXXX XXXX : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I moved out from XXXX XXXX at XXXX XXXX XXXX, XXXX, Va XXXX on XX/XX/2019. On XX/XX/2019, I received a handwritten itemized note trying to get move out fees totaling {$1700.00}. I disputed with XXXX XXXX on XX/XX/2019 on their charges. I did not receive any response from XXXX XXXX instead I got a call from someone calling from ( XXXX ) XXXX who said he represented XXXX XXXX to collect {$1700.00} from me. He threatened to report to the credit bureaus if I dont pay it at that time. He also said my daughters credit file will be messed up. Of course, credit file is a big deal to a fresh graduate from XXXX XXXX. I refused to speak with him. I emailed to XXXX XXXX immediately on this. They confirmed that they had appointed National Credit Systems to collect the money from me. This company never sent me any correspondence prior to calling me on XX/XX/2019. As of today, I have not received any correspondence from National Credit Systems. I am very worried that they are going to ruin my daughters credit file since she was also on the lease. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against PORTFOLIO RECOVERY I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with PORTFOLIO RECOVERY nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted PORTFOLIO RECOVERY who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that PORTFOLIO RECOVERY stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Higher Level Processing
State: TN
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:
This complaint is regarding the company Higher Level Processing. Since XXXX I have been using their services as a third party to assist with getting federal student loans into the public service loan forgiveness program. Each year they assist with getting necessary documents submitted to XXXX XXXX XXXX to maintain eligibility in the repayment plan and forgiveness program. They have done their services with no issues until XXXX. I submitted updated information for the year XXXX when requested in XX/XX/XXXX. Beginning XX/XX/XXXX I noticed my repayment amount to have increased. I called Higher Level Processing to inquire about the reason this increase happened on XX/XX/XXXX with no answer. I then called XXXX XXXX Servicing where I was told that none of my updated information had gotten submitted therefore I was no longer in the income driven repayment plan so my payment increased. I then called Higher Level Processing again and was able to speak to someone who stated that they contacted me many times about needing updated information and that I had not submitted it. I had not received any communication with them as they stated they had done. To which they confirmed my contact information to insure it was correct, it was correct. The customer service agent resent the email to re-certify and assured me that if I got it completed in 14 days they would get me re-certified in the program no problem. I received the email and completed the information and submitted it on XX/XX/XXXX. I received no confirmation of information, but did have a charge on XXXX XXXX of {$19.00} for their services. I called them on XX/XX/XXXX to confirm information was received. The customer service agent stated a lot of confusion saying " It is not time to re-certify, we will send you that request in XXXX. '' I explained that it was for the last year due to the services not getting carried out. He then stated " oh, yes I see that now. We did receive and submit and you were approved for {$0.00} repayment on the income driven plan. I asked for confirmation of this to be sent to me. I then received an email that said the information was received and my request was being processed. On XX/XX/XXXX I received an email saying that the documents had been submitted. I called XXXX  XXXX XXXX on XX/XX/XXXX to inquire on the status to insure that it had been submitted. The customer service agent stated that they had contact from Higher Level Processing who posed as me and requested that my payment be frozen for 2 months, and the request was carried out. No documentation had been submitted. I am now taking actions to terminate with Higher Level Processing and work strictly through XXXX XXXX XXXX  to get back on track with my federal student loan program and repayment.

Company response to consumer: Closed with explanation