BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-20
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} . How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate XXXX, ExperianXXXX, XXXX. Only lived at XXXXXXXX XXXX XXXX XXXX, OK 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 2021-01-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone fraudulently used my Comenity Bank Visa card for almost {$400.00} last XXXX, and they wouldn't reverse the charges even though I have a case # with the police, so I stopped making payments because I didn't owe this money. They just called my brother about this debt that I don't owe because someone stole my card #. I have a police report and case number for the fraudulent charges as well as another case # for a home robbery that occurred at the same time. A detective said the cases were likely related and would be rolled into one case. In spite of all this, Comenity bank wouldn't reverse the charges and is now harrassing my brother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet has violated FCRA and GBLA laws by the inability to produce records. There are multiple months with missing information not reported or reported incorrectly. This incorporation has been been provided to Nelnet on Multiple occasions. Nelnet does not have the requested records and is therefore unable to show this information to credit agencies effectively. They report NO DATA for multiple months on all 3 credit reporting agencies. This violates fair credit reporting and because it has happened over the course of 5 years on Multiple occasions it is not longer negligence but intentionally misleadingly. This violation is the second reported by the company against for violating FCRA as the first regarded violation of privacy laws under FCRA and GBLA. The fact that they are violating multiple sections of FCRA concerning Accuracy and Privacy on multiple occasions is not a call for concern but a call for action. This action has led to breach of contract under Nelnet Terms of Service when they were to have verified the actual debt before buying it from Navicent and other companies. They are unable to very the data missing and have therefore failed to report it to the Credit agencies. This violates FCRA and GBLA laws.

Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's. Nelnet has never responded with verification of Debt following those allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX v. XXXX, XXXX, XXXX XXXX XXXX , XXXX, -- - XXXX XXXX -- - ( XXXX Cir. 2014 ), 2014 XXXX   XXXX XXXX XXXX Cir. Mich. 2014 ), 2014 U.S. App. XXXX XXXX, the XXXX Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The issue is that I have been a victim of identity theft. My information was utilized without my consent and authorization to open several fraudulent accounts, and one of them was with Bank of America. When I discovered that a lawsuit had been filed against my name and a judgment had been placed against my name, I was worried. So I obtained the court documents, contacted the plaintiffs and their attorneys, XXXX and XXXX, and informed them that they had the incorrect person because I never had a Bank of America account. I asked them to check the records properly because I have not been their customer, and the account they are attempting to collect on is fraudulent. Any account subjected to fraud and identity theft can not be collected. However, they ignored my request and told me if I was an identity theft victim, then I should have filed a police report instead of calling them. Before I contacted them, I had already filed a police report with the XXXX XXXX Police Department. I have the DR number and will provide it in the end. However, my story doesnt end here. I contacted XXXX and XXXX, and respectfully, I requested them to send me the record of the application that was filed with the account during the opening stages of the account. However, XXXX & XXXX and Bank of America did not comply with my request ; they sent me a couple of statements with the account number on them and the wrong information. I say the wrong information because the statements I sent contained incorrect information. The address on every statement was incorrect and was addressed elsewhere. That raised a red flag and made me look further at the lawsuit documents to ensure what kind of address XXXX & XXXX had when filing this suit. I discovered that XXXX & XXXX also had inaccurate address information, which was why I was never served with a lawsuit. 
Nonetheless, I have attempted to find an agreeable resolution with Bank of America and XXXX & XXXX. I acted in good faith throughout the entire time when contacting them. I even offered them a reasonable settlement so we could remove this fraudulent account and the derogatory lawsuit could be dismissed as soon as possible. However, they continuously act in bad faith and do not consider attempting to resolve the issue. 
The police report number is DR 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 2023-08-20
Company: HoldCo LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a phone call from a person stating that they were from XXXX XXXX department and that there was an account that was associated with my name and social security number. They also stated that there were several bank accounts that were opened in my name. They apparently connected me to XXXX XXXX XXXX department and advised me to take money out of my account and open a digital wallet account in the amount of {$6600.00}. I proceeded as directed and was asked to go to XXXX XXXX XXXX XXXX Illinois XXXX to open a digital wallet. After returning home and calling the Bitcoin Depot customer service, there was no way that the account was able to be associated my personal information. The next morning, I called Bitcoin Depot customer service, and they advised that I was scammed. I have to go through social security through a long-drawn-out process to secure my identity and privacy. I also contacted the police and reported the fraudulent scam that I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rental agency reported amount owed to collection agency. These charges are illegal and were not completed within the appropriate number of days per the Washington laws. 
I have sent emails with all documentation to the original property management team as well as the collection agency and credit bureaus and the company is fraudulently certifying the amounts to be sure even though it goes against the law. The company actually owes me 2x my deposit which is total of {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint shall be considered a follow-up to my filing of complaints dated XX/XX/XXXX, to dispute these erroneous items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX PA ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/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 2019-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear Capital One /Executive Office of President ; I was shocked when I reviewed my XXXX , XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/2018 for 30 days? 

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Thank you! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00}

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 non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: NY
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. 
Account name : XXXX  # XXXX has violated my rights. 
XXXX XXXX  XXXX XXXX card name|What 's this? 
Balance {$610.00} Updated on XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX name LATE PAYMENT Balance {$360.00} Updated on XX/XX/2022 XXXX Link card name LATE PAYMENT Balance {$0.00} Updated on XX/XX/2022 XXXX XXXX XXXXXXXX Link card name Balance {$320.00} Updated on XX/XX/2022 XXXX  Link card name Balance {$290.00} Updated on XX/XX/2022 XXXX  Link card name LATE PAYMENT Balance {$680.00} Updated on XX/XX/2022 XXXX XXXX XXXX Link card name LATE PAYMENT Balance {$310.00} Updated on XX/XX/2022 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 2019-06-18
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I requested Western Union ( WU ) to transfer funds ( international ) on XX/XX/2019. To expedite the process, I paid WU-Pay via my bank account for XXXX provided to me. I noticed on my bank statement a few days later that WU collected funds from my bank account twice for the same transaction, on XX/XX/XXXX and XXXX. 

I called WU, but they denied any wrong doing, and asked me to mail a hard copy of my bank statement. They claimed they couldn't find any record of paying twice the full amount. They also refused my request to contact my banker directly. I explained to WU that my financial privacy is my right and they can't violate my right to cover up their fault, be it benign or criminal. WU didn't care less. 

I filed a complaint through my bank. The investigation resulted in my favor, and a full refund was confirmed by a letter to my account on XX/XX/2019. 

WU contacted me today threatens me to send a collection note against me. I explained to them that I was expecting an apology call from them not a threat with a collection note. WU is doubling down knowing that the judgement against them could result in legal consequences. 

WU again refused to contact my bank, who investigated the matter, which ruled for my favor. Why WU is harassing me? Are they discriminating against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My father took out a loan from Fifth Third Bank in XXXX, XXXX for the purchase of a XXXX XXXX XXXX in XXXX, Florida. {$13000.00} was financed. All payments had been made on time up through and including payment due XX/XX/XXXX. My father passed away on XX/XX/XXXX. I was unaware that my father had taken out a loan to purchase this vehicle. On Friday, XX/XX/XXXX, the car was repossessed. Firth Third claims to have called the only number on file with the loan which was my fathers cell phone. This phone had not been used since my fathers death. At no point were we contacted by mail or any other means that the loan was delinquent. At the time of the repossession, the loan was 60 days past due. My elderly mother was then left with no vehicle and no understanding of what happened. 

We learned that the vehicle was repossessed from the XXXX Police department after my mother reported the vehicle stolen. In order to recover the vehicle from repossession, we were forced to pay off the entire loan balance plus the repossession expense. This totaled {$10000.00} which included {$450.00} toward repossession expense. 

We feel we were treated extremely harshly considering my father 's impeccable payment history prior his death.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
I have a list with yall where I been providing information to all the loans companies and credit bureaus. I filed XXXX XXXX XXXX and navient and department of Education was included. XXXX I filed a XXXX XXXX and all loans was discharged. Why are they still billing me. Messing up my credit at the bureaus with wrong information. I wish someone look into this. How can I start a Class Action Lawsuit this is unacceptable all partied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to express serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transaction that were not initiated by me. According to the FCRA, thus can only be done if I have given you authorization to do so. Since I have not authorized any such transaction, it is clear that your agency violated the law. 

I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However I want to ensure that your agency also removes these inaccurate information from my report. 

Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681 n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustain by the consumer, which can be a minimum of {$1000.00}, which is greater. The court

may also allow punitive damages. I did not initiate any of the inquiries that a
ppear on my credit report. Therefore, I request that you send me a copy of written signature that given consent to this matter, In the absence of such evidence, I demand that you immediate rectify the damages caused to my credit score and remove all inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-18
Company: Experian Information Solutions Inc.
State: GA
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 OTHER 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 : XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; Medical XXXX Balance : {$290.00} ; 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