BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: TX
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or remove the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, my name is XXXX XXXX. I am a victim of Identity Theft. I have noticed multiple accounts being reported to my credit that I didn't open or even had an idea existed. I have argued with Experian customer service reps and they always give me the runaround. They try any reason to not remove said accounts. I have attached a PDF with the latest communication I sent to experian. I will also be including screenshots of one account as an example of how experian is reporting inconsistencies and therefore breaking the fair credit report act. They find any reason to deny my claims, I have spoken to XXXX XXXX ( one of the creditors ) and all the information that they find " verified '' does not match any of my information on ANY credit report. The Identity Theft got so bad that I am facing an eviction and these accounts are stopping me from getting a loan out. I have over 20 positive accounts to my credit report besides these four. Also, please have them disclose the methods and the representative that helped them verify the accounts as " accurate ''. I am reporting them to you and the Consumer Financial Protection Bureau but I need proof of their verification methods because my next step is small claims court. Thank you so much.

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 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a Credit Card with Capital One ( Card Ending with XXXX ) and have a 0 % Balance Transfer. On my Statement, I can see the " Promo Purchase in Grace '', along with Percentage Rate ( 0.00 % ) Balance Subject to Interest Rate, and interest Charged ( 0.00 % ) Nowhere does it show the Expiration Date of this Promo Balance. I have looked online at my billing statement, as well as my paper copy. I have called EVERY MONTH after receiving my statement and explain the same complaint to no avail. Every other Card shows when the promotion expires, which leads me to the belief, that Capital One hopes that date will be MISSED They have no problem supplying the following information Previous Balance Payments Other Credits Transactions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX As well as Payment Due Date New Balance Interest Saver Payment Minimum Payment Due. 

I have spoken to Representatives, Supervisors and they all agree that this is an issue, yet No One can do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: The Moore Law Group
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Some time in XXXX, or XXXX someone who moved into my former residence opened a XXXX card, the troubling thing is apparently the card was issued to a XXXX XXXXmy name is XXXX XXXX, I did not find out about this until XXXX, when I was looking at court records & there was a judgement against me that matched my S.S. number. I looked up the court case and saw the person they served for the lawsuit was not me, it did not match my physical description, it was way off. I was not even living at that address at the time, so it was impossible to serve me. So the creditor, Moore Law Group got the judgement, and apparently when 10 years pass, they need to renew the judgement, which the Moore law group did. I filed a motion in court to have the judgement vacated, and the court granted my request because the person they served was NOT me. I have filed an identity theft report with the XXXX XXXX police dept. and notified the Moore law group of identity theft, but they are continuing to try to enforce the court case against me. I never had a discover card & did not open this alleged account.

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 2021-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted to sign up for online access to credit information with the credit bureau Equifax. Even though I entered all information correctly, Equifax denied access and stated that " for verification, I would need a verification code by mail '' to access my information. I requested and received this code on XX/XX/2021, then entered it online and successfully set up an online username and password. I received confirmation about the successful set up of the online account. However, due to some technical issue or Equifax 's extreme incompetence - or both - when I enter the information, I get a screen that states " Please try again later ''. This has been going on consistently for over two months. Equifax stated that if any issues occur, I can contact their customer service at XXXX. I sent three e-mails without response. Finally, on XX/XX/2021 I sent a paper letter to Equifax by mail, demanding a solution. This was also not answered. End result - I have a valid username and password but no access and no explanation or help of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-24
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: Account status incorrect

Complaint:
Only had a physical copy of the card a few months. Company changed cards never received replacement card. Could not setup account online. Only time I knew when payment was due was when account was past due. I have not even made a purchase on this account because I dont have a physical card. Ive been transferred a few times to get a physical copy but the hold time was extremely long. I no longer felt comfortable giving my info over the phone so I demanded to speak to a manager so I can see what I must do to get a physical card. Finally I was able to speak to the an agent that was super helpful. She got a new card sent out but I have not received it yet. I now have a delinquent payment showing up in my credit report which isnt fair because I dont have everything I need to make a payment online. Once card is received I will make payment but I would love this late payment removed from all 3 credit bureaus Especially because I dont mind paying the account but I no longer want to share my card info over the phone.

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 2023-12-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was vitctim to a robbery of my home. Among other things the theives took paychecks i had deposited and redeposited them. Chase bank then proceeding to lock my account leading to its closure that has kept me from paying bills and rent. Which has led to my eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need clarification as to why you are reporting certain information on my report. 
Please review the following : Inquiry Account : XXXX XXXX XXXX XX/XX/21 Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. 
After you have completed my request, send me a copy of my credit report reflecting these changes. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$47000.00} ), XXXX XXXX XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$47000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-02-04
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My husband and I were approved for a {$5000.00} loan at Mariner Finance and scheduled an appointment to come in to finalize paperwork on Wednesday, XX/XX/XXXX. My husband was asked to bring in his ID, social security card and proof of income. I was asked to bring in my ID and proof of income. Collectively we were asked to bring in a document showing address verification. 

When we came in for our appointment, we worked with XXXX. I handed XXXX my husbands ID, his social security card, proofs of income, address verification and my XXXX work authorization card ( serving as photo ID ) and my social security card because my name is spelled differently on my XXXX ID card. My SS card has a restriction on it saying, valid for work only with XXXX authorization. To give context, this restriction is for an employer to look at and ask me for my work authorization if I am applying for a job. It has zero bearing on my credit and does not define, in any way what my citizenship status is. Mind you, I wasnt even required to bring in my social security card I brought it to show the spelling of my name. 

XXXX left the room with our documents and came back in. She said that she had some bad news and that they were unable to approve the loan because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was the first time anything regarding my citizenship came up. I am not on a work visa I have never in my life been on a work visa and I certainly never said anything to XXXX about a work visa. I explained to XXXX that I am not on a work visa, and I was confused about how she came to that conclusion ; I am considered a permanent resident because of my indefinite humanitarian parole status. 

XXXX then asked her supervisor to come in. I explained to the supervisor that I am a permanent resident, to which XXXX interrupted me and asked, but youre not a citizen? My husband then asked XXXX if she knew the difference between a citizen and a permanent resident to which she responded, no I dont. 

XXXX supervisor then asked her District Manager to come in. Once he came in, he said that because of the statement on my social security card, they will not approve my loan. First it was because XXXX XXXX XXXX XXXX XXXX XXXX, now its because of the social security card that I wasnt required to bring in. I tried explaining, again, that I am considered a permanent resident and that Ive applied and have been approved previously for things such as federal student loans and other personal loans with no issues. He then said well then you can go apply at a different lender. I wasnt asked for and did not have the chance to provide any documentation to show proof that my citizenship status does meet the loan criteria. We were told to go elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  are the same company. I got a loan with access loans in XXXX. In XXXX of XXXX I owed {$850.00} on the loan. I paid off {$400.00} in XXXX bringing the loan current and over half paid off. In XXXX I paid off the entire loan. Transunion CONTINUES to report this loan past due and me owing {$860.00} on the loan when it was current in XXXX and paid off entirely in XXXX. I can not get a house with this information still on the 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : XXXX XXXX AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-22
Company: NAVY FEDERAL CREDIT UNION
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:
These account were never given my permissible purpose to furnish these accounts furthermore they infringed upon my rights to privacy in pursuant to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially. In pursuant to 15 USC 1681a ( 2 ) ( I ) any transaction or experience should excluded from my consumer report.On my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) NAVY FEDERAL CREDIT UNION XXXX XXXX ) AND NAVY FEDERAL CREDIT UNION ( XXXX ) AND INQUIRIES XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Has also violated the billing error practice act in pursuant to 15 USC1666 they never gave me the right to opt out and are not reporting accurately I want these late payments as well as the inquires and collection accounts deleted as they are identity thief

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Nelnet, Inc.
State: TX
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 submitted a SAVE application through StudentAid.gov on XX/XX/XXXX as part of the new beta roll-out. StudentAid.Gov confirmed the completed application and sent this to Nelnet, my loan servicer. No response from Nelnet whatsoever.

I re-applied via StudentAid.gov on XX/XX/XXXX again. No response from Nelnet. I applied on Nelnet directly on XX/XX/XXXX. No response. 

I called Nelnet customer service multiple days throughout late XXXX, averaging XXXX hours on hold. I finally had to re-apply via phone on XX/XX/XXXX. I received notice shortly after that I was approved to be on the SAVE IDR plan, but at a cost that was significantly higher than what I should owe based on my income. In my XXXX taxes, I was earning slightly over XXXX XXXX. I was laid off XX/XX/XXXX. Since my new role in XX/XX/XXXX, I now earn XXXX XXXX  and supplied all documentation to support this with paystubs. No response from Nelnet. I called again on XX/XX/XXXX and my information was submitted to correct the problem and I was placed into forbearance and interest is now accruing while my application is stuck. 

Since then, my application has been stuck in limbo and it says I will owe over XXXX XXXXXXXX in XXXX, when according to the StudentAid.gov calculations and the rubric provided by the SAVE act, I should owe closer to XXXX XXXXXXXX.

Company response to consumer: Closed with explanation