BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Nelnet, Inc.
State: VA
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:
I received an email from Nelnet letting me know that student loan payments would resume in XXXX. My next payment would be due in XXXX. I made said payment an entire month early, on XX/XX/. Since I made the XXXX payment, I shouldnt have needed to make another payment till XXXX. At the end of XXXX my account said that I owed over {$900.00} and it shows interest. I made the payment already, so theres no way I shouldve owed {$900.00} and theres no way my account shouldve gained any interest. I made the payment and even emailed them to let them know that there was no way I owed {$900.00}. Paying the {$900.00} shouldve covered my loan payments for XXXX & XXXX, but now theyre telling me I owe a payment for XXXX. Its as if they took my early payment in XXXX and decided not to apply it to my student loan, while charging interest and falsely claiming I was late on a payment. I emailed them at the end of XXXX and have not received a response yet. It is also near impossible to get in contact over the phone. This allows Nelnet to pretty much do whatever they please while claiming theyre having difficulties leaving borrowers with no way to even contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft, and have had multiple accounts opened under my name and social security number since 2014. I have provided Portfolio Recovery Associates, LLC with a fraud affidavit XXXX per their request ). I have even gone as far as obtaining an attorney, due to Portfolio Recovery Associates, LLC making threatening and harassing phone calls to me and even my FRIENDS & FAMILY about a debt that is not legally or rightfully mine. Portfolio Recovery XXXX failed to respond to several notices within 30 days per the FCRA. Portfolio Recovery Associates, LLC has blatantly broken the law and violated my rights!!! Per my previous attorney, a XXXX by the name of XXXX admitted via telephone that Portfolio Recovery Associates, LLC received ALL notices sent to them via mail, and failed to meet the required deadline to provide SUFFICIENT VALIDATION on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I mailed a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they've caused me. My information was also impacted by the XXXX breach and may have gotten 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 explanation
Consumer complaint received 2021-10-10
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: Account status incorrect

Complaint:
XXXX bank card has been anightmare. I was in the hospital for a week in XXXX recovering from an XXXX XXXX. I was obviously preoccupied and my autopay used the wrong debit card. My minimum payment was only {$45.00} and I could easily pay that. ( I am a XXXX XXXX XXXX XXXX  making about XXXX a month ). Once I was home from the hospital, I saw the payment got returned. So I immediately logged intoXXXX to pay the {$45.00}. 

I could not login. I found out they closed my account! I had never missed a payment with them or any creditors. This was completely unwarranted. Not only that, but they suspended my account access. Without being able to access my account, I couldn't pay them. 

Then they started calling me 10x a day. I was so scared I kept trying to block them but they'd call me from different area codes. I had to block calls on my phone completely. I've missed so many important calls from friends and family because of this. This has gone on for 4 months. 

They now marked me 120 days late so far on mycreditreport. I've never missed a payment from any of my creditors before. Mycreditscore is lowered because of mycreditutilization, but my payment history was always 100 % for my entire 10-year credit history. I have 383/383 on time payments since XXXX ( age XXXX ) to now ( age XXXX ). Now my payment history is ruined over {$45.00} dollars a month and I still can't access my account to pay them. 

Update : A full 4 months later they restored my account access and I made a payment today which will be reflected shortly. 
I now want my credit report updated to show that I never made any late payments considering this was not my fault and there was nothing I could do. I also want all fees and penalties removed from this ordeal. I will only pay the balance that I owed in XX/XX/XXXX before my account was blocked. I am now in contact with a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2021-03-20
Company: EQUIFAX, INC.
State: MD
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:
To whom this may concern : I have made a vow to myself that I would work strictly on my report and be persistent to reach my goals. However. The credit bureaus is making this process extremely hard due to their unethical and lazy practices. This is my 4th complaint against them because the entire system is unfair, reporting unfairly, and calculating credit scores unfairly. I have noticed the bias and I will let this be known publicly until the right person sees what's going on. Now, I have been working on my report for years. Never ever received the results I was expecting even when I tried very hard to do so. I gave it a break to come back and this time I actually feel good with the progress I've made on my behalf as far as keeping my current accounts in good status. The credit bureaus calculations shows poor ethics if I were to go by the calculations. Something's isn't right!!!! All of this is bias and the world needs to know about this. I have over 7 accounts in good standing but 3 late payments are keeping my school In the low XXXX 's. How? Not only that, today, XX/XX/2021 a collection account balance decreased from XXXX dollars to {$0.00} and my score dropped XXXX pts? From XXXX to XXXX. I don't understand. This is unfair. Experian has a full balance being owed for XXXX and the account was paid in full. ( I have a letter to prove it ). However, Experian claimed they investigated only to come back with the same information that was there before the dispute. Remind you it takes 45 days to close a dispute. That is too long to wait for a response from inaccurate information that was never verified. Them have to do the dispute again and waste 45 more days. I guess consumers doesn't have a life or goals. 90 days of delays, because my score is stagnant until then. There is nothing else to dispute on my report. I'm asking if someone can please take a look at my report. Something isn't right and I'm going to get to the bottom of this unethical act. It all seems bias to me because it's no way ... .people will miss this if they don't pay attention to what's going on. Please see attachments below. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions 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:
I Have not opened an account with this company

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 2021-03-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was an authorized user on my exs Chase Freedom credit card. With his permission I set up my cell phone to be paid automatically with this card that was in my name with my name printed on it. After we broke up he claimed the charges were fraudulent and Chase believed him and took the payments back from my cell phone company ( XXXX ) and now they think I was using fraud to pay them. I used a card with my name on it that I was given as I was an authorized user on that account. There was no fraudulent charges. Chase will not rectify the situation since he is the primary card holder. On the chase website it states you can not report fraudulent charges made by an authorized user. Which I was when charges accrued. Yet they did allow this and refuse to fix it. How can you make unauthorized charges on a card in your name to pay a bill in your name? Cant happen. Authorized users should have rights too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
NATIONAL RECOVERY XXXX started reporting a XXXX XXXX debt account XXXX on my reports with out sending me a debt collection letter now they must remove the account off my credit reports because they can not collect on exempt funds nor can they report a collection on exempt funds by reporting a debt that is exempt from debt collection is considered continuous collection on exempt funds which violates the exempt income protection act they must delete this account or be sued for continuous collection on exempt funds

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 2019-06-17
Company: Square Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019, a friend requested through Cash App that it forward {$55.00} to my XXXX XXXX  checking account. On XX/XX/2019, another friend requested that the company forward {$41.00} to the same account. Both used my cell phone number, and I only have one, to request the transfers to my account. In addition, I sent a {$100.00} payment to someone on XX/XX/2019. I checked Cash App to follow up on all these payments last Thursday, XXXX XXXX. I never received the first two payments, and my bank confirmed they were not received, although Cash App says the payments were made. The {$100.00} payment I made was never accepted by the recipient, and the Cash App shows it expired -- but the money was not returned to me. 
Attempts to reach them online through the app were futile, so I reached out through XXXX last Thursday, XXXX XXXX, and tagged CFPB. Cash App 's support service said someone would contact me within 12-24 hours. Almost four days later, I'm still waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had loan with Wells Fargo Bank. At the time I did not default on the loan, I contacted them in good fait to refinance my loan & by the time they settled things with me they caused me to be behind ( 1 ) payment. I was & am a single lady low income but I paid my bills. They caused me to spiral out of control. I tried calling so many people on so many levels. I feel I was scammed. I actually then had my home sold for cash & for more than it appraised for. They said I did a loan modification rather than a refinance. I was told it was a refinance. So when I tried to close on my home they would not let me & I lost {$30000.00} in escrow & my money I needed to retire on. They forced it into foreclosure. I had to sign on XX/XX/2017. I paid my house payment for sometime after & finally had to move out. 
I was told even by my realtor this was a bad deal. I just pray Im one of those they found did me wrong. 
Thank you for your time XXXX XXXX I do have all my closing papers. 
Wells Fargo went ahead & sold my property for the cash offer that was my! 
It was theft at its finest. 
I now have to live with my son & his wife down the street.

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 2021-03-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a letter from XXXX XXXX and also credit monitoring alert account had tried to be set up in my name. Email from Truist Bank with account ending in XXXX had been set up in my name.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX  - ending in XXXX XXXX ending in XXXX XXXX XXXX- ending in 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police 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 2023-01-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Best buy / CBNA XX/XX/XXXX I received a statement with a balance of {$58.00}, paid in full XX/XX/XXXX. XX/XX/XXXX received a statement with a balance of {$1.00}. I called into the customer service number disputing the {$1.00} charge as it was fraudulent, their response was they will take care of it. The next month I received another statement and so on and so on. XX/XX/XXXX I called the customer service number and they routed me to a person that stated my concern has been resolved and will be reported to the credit agencies posting XX/XX/XXXX. XX/XX/XXXX i reviewed my credit and noticed they closed the account due to delinquency. I called the customer service number again they are stating the charge was fraudulent and they closed my account for security reasons but cant make sense to how they " tab '' it within the system. Now they are stating it was resolved XX/XX/XXXX they applied the credit to the card but moved it to a different card, XXXX statement had a {$1.00} credit that's why the balance was {$58.00}. they cant make any sense of the whole situation. 
I opened this account up while i was in college, due to credit agencies reporting metrics, I kept the card for historical history and was fine paying the {$58.00} annual fee, now Im here from a XXXX credit score to a 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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a letter to XXXX, Transunion & XXXX regarding inaccurate and unknow things on my credit reports. There have been several unauthorized and unrecognized inquiries added to my report over the last 2 years from unknown sources. I don't have any open accounts with any of these inquiries reporting therefore I disputed the validity of these details and its been 60 days and the Bureaus have not responded yet. Here is the list reporting fraudulently across all 3 bureaus : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Act Credit Reporting Act XXXX account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account 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