BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
From the best of my recollection : 1. XX/XX/XXXX Access Group loans were split between Nelnet and Firstmark 2. It was improperly communicated to me that it was two different agencies. 
3. I made payments to Nelnet and did not realize nothing was going to Firstmark 4. In XX/XX/XXXX, when I realized that Firstmark needed payments, I made a lump sum payment to catch up. 
5. I set up autopay 6. I then asked to have my future payments applied to both Nelnet and Firstmark 6. They did not apply to Firstmark 7. When I realized this was the case, I again made a lump sum payment and set up an autopay to two companies in XX/XX/XXXX 8. I have not missed any payments since the autopay was straightened out 8. However, now Firstmark reported the missed payments to credit report and Firstmark is not willing to fix

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, XXXX, and XXXX has been providing false information on my credit report. 
The company 's have been contacted via phone in this regard. 

XXXX 's website has not allowed me to check my credit by phone or online and informed me that the information in there system is not correct. Names, date of birth, and also the social security number. 

I have a copy of this information for the record. 
The other error in information is about positive credit and, on time credit payments should equal to a positive impact. 
Even that the child support payments have always been paid on time. 

I paid off a account and still have not gotten a fair credit score. When there is no negative debt owed to anyone. 
Instead of increasing the credit score it actually decreased when I made the payment in full. 
Pre-poppulated an email sent to my account that my credit score has new updates and prompted me to login to their website and make a payment to boost my account. 

XXXX completely block 's me out the account even though they were sent the requested documents. 

XXXX has done similar actions. Requesting me to purchase their credit boost. The false information is still in the system. XXXX did increase the credit score when the last debt payment was paid. 
However there are other names on my credit report that are false and information about my identity.

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 2023-02-20
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit act the list of accounts below violate my federally protected consumer rights. 
XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A stated that I have the right to privacy 15 U.S C 1681 section 604A Section 2 states that if a consumer reporting agency can not furnish a account without my written instruction.

15 USC section 1681 a5 states that no consumer agency reporting my report any adverse items shall not report on my credit report for more seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2021-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have contacted lender in regards to deleting late payments, yet I havent heard back from them. I am to obtain new credit and progress in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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:
Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. Please see the attached file for the complete explanation and for the remedy. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ).

You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the XXXX  name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX  XXXX. XXXX, XXXX, XXXX, DEPT OF ED/XXXX -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..

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 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/20 Account opened XX/XX/20 Approval letter and card received XX/XX/20 I called to activate card. ID ( front & back ) requested and submitted XX/XX/20 Charged at the XXXX XXXX XXXX declined. I phoned from restaurant and I was told the card was not activated after re-submitting information requested by bank, my card was activated again. I charged the card for diner for the amount of {$68.00}. 

XX/XX/20 Card used at XXXX XXXX For the amount of {$2.00} XX/XX/20 XXXX XXXX purchase was denied. 

XX/XX/20 Call company, they requested more information. 
At that point, I paid the full balance online and called back to close my account. After talking and closing my account with the XXXX  XXXX operator, I went online to check my account and my status went from available balance to " NOT AVAILABLE BALANCE N/A ''. 

XX/XX/20 I received email stating that I was late with my payment. I went online and XXXX XXXX was charging me for late fee {$25.00} plus annual Fee {$95.00} plus Interest. 

I called them again and they told me I need to send them my driver license in order to continue with our conversation and to resolve the issued. I explained I was in the hospital due to my XXXX, she didn't care. Also, she told me that my account was Not closed. She told me it was in the record that I called to close the account but I hand up before they would tell me about some disclosure. ( That is Not true statement. I stayed with the operator until the end together with my husband. Must be a recording of that conversation ) XX/XX/20 I re-submitted Driver License. No one havent call me since then to resolve this issue. 

Please help me to resolve this horrible nightmare by crediting of all " bank charges '' and closing the account. I am scare to received another statement with more charges and/or reported to the credit buries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: DataMax Corporation
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an XXXX credit report in XXXX when applying for a car loan. This is when I first learned about the debt collection from a company called Interstate Credit Collection for {$100.00} from XXXX XXXX XXXX. At the time, I believed this was a debt that belonged to my father who shares the same name as me and at the time, we had the same home address. Neither my father nor I have every received any written or phone notifications from this company about the debt. I called them to obtain more information and they told me that the debt actually belonged to my father and that they would remove the debt from my credit report. I recently checked my credit report in XXXX and they are continuing to report this debt not at {$65.00}, even though I haven't made any payments to them or received any information from them. They are now using the name XXXX XXXX, XXXX. I disputed this debt collection with XXXX because I believe it is not mine but they told XXXX it was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. 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. Please update the following inaccurate items in my report : 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 non-monetary relief
Consumer complaint received 2020-03-23
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi my name is XXXX XXXX XXXX. I have never done business with Midwest Recovery Systems. I do not have a signed contract nor any type of contract with Midwest Recovery Systems. I have the right to demand to see between Midwest Recovery Systems and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2023-03-13
Company: Conn's, 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: Account status incorrect

Complaint:
I paid this account on XX/XX/2022. ( email attached ). I asked the customer to UPDATE the credit report and they have NOT done so. I have also repeatedly requested for them to update. As of today. This account is still reporting Charged off XXXX in the amount of {$3600.00} and XXXX and XXXX status are also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Credit Corp Solutions Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit Corp Solutions bought an account, that is supposedly mine, from XXXX XXXX  back in XXXXvery early XX/XX/XXXX. I've been in frequent contact with Credit Corp Solutions. They sent me a letter. I've called them. They have called me. They have all my contact information and have had zero problem locating me. According to my notes I spoke with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX they called a family member, despite the fact that they have had zero problems contacting or talking to me. This is the key point : they could have reached me easily if they called me directly. I have no idea how they could have gotten the family member 's phone number. This particular family member has not been a part of any account that I've created in well over a decade. Given Credit Corp Solution  called my family member despite of the fact that they could have easily reached me is a form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened a XXXX account in my name & I have been trying to get the XXXX XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my credit score and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. Equifax XXXX XXXX has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX  XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights. 
Account name : XXXX XXXX XXXX XXXX  has violated my rights. 
Account name : XXXX XXXX XXXX XXXX  has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX 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 2023-01-09
Company: Experian Information Solutions Inc.
State: NJ
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 investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Company: Experian Information Solutions Inc.
State: FL
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 Bank claims I had a card XXXX I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.

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 2023-12-01
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chime lies about referral bonus credit. 

I can not believe that a business that claims to be customer centric who wants more customers to use it's app and business, repeatedly lies about referral bonus Especially even after confirming referall bonus eligibility. 

Chime offered referral bonus XXXX $ to me when i opened my account. 
I referred my family member. 
My family member opened that account using my link and successfully created a chime account and made her first Direct deposit in XXXXXXXX 

For reference my family member email id is XXXX Her name is XXXX XXXX XXXX. 


She received her referal bonus of XXXX $ without issues. But when i did not receive my XXXX $ referral bonus i contacted Chime customer service and more than once i was told that they have confirmed my eligibility that they have manually applied XXXX $ credit to my account and that i should see it reflected in my account in 3 to 4 business days and then wheh it did not credit in that time, another agent reconfirmed my eligibility and said it will credit to my account in 7 to 10 business days. 

And yet again when that did not happen, i was told that its techinal error that they can not do anything about it. 

I can not believe how deceptive this company is. How can customers trust and continue to do business with a company that does not honor its words and trains it's customer service agents to lie to customers? And not offer any meaningful help? 

Im disappointed in their click and bait approach. 

I have attached screenshots of my correspondence and proof of my referrla link, and I am reporting to XXXX and CFPB of Chime 's dishonest practices, so this is recorded for use by these organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


XXXXXXXX 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