BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: MI
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, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair 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 non-monetary relief
Consumer complaint received 2020-03-25
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had the company before, I have no acknowledgement of this account. It is NOT Mine. I have no idea who opened this account up and left with such an outstanding balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet has violated Federal laws concerning the use of private information. Nelnet is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting Nelnet to provide documentation used to determine that all disputed loan accounts were verified, consumer is not asking for a statement. If Nelnet isn't able to provide said items, loan accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules.

I will be filing form 211 treasury omb forms to audit consumer accounts.

Consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language NELNET is securitizing consumer data yet refusing to provide an updated presentment of debt verification and how they are a party to the debt and how is it owed to them also an updated presentment is not written in legalese as this is fictional language.

Nelnet you are interfering with commerce and that is a Federal Crime Nelnet COMMISSION FILE NUMBER XXXX IRS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: MD
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:
On XXXX of 2022 I requested a block of information on my credit report for account XXXX. According to federal law 15 u.s.c. 1681c-2 once I provide all appropriate proofs of identity, identity report and all documentation required, the credit bureau had 4 days to block the information and they have not. I submitted all proof to the cfpb and still no results. This is a direct violation of willful noncompliance. 
Please block this inaccurate information and send all parties requesting my credit report and updated 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 explanation
Consumer complaint received 2023-11-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX, MI XX/XX/2023 Credit Reporting Agency/Bureau City , State, Zip RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/2023, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
If you have any questions or need additional information, please contact me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: GA
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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 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 2022-02-21
Company: Experian Information Solutions Inc.
State: MI
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:
This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX  XXXX Balance {$73000.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance {$17000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Dismissed XXXXXXXX  XXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Filed XXXX XXXX Bankruptcy XXXX Dismissed

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 2023-07-15
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I make an online payment to my credit card, there is absolutely no indiction anywhere in my account that there is a pending payment, so I have made two payments a number of times, indavertantly. I have complained to the company and they have not fixed the issue. They have re-vamped their website, and if I apply for any type of loan, the pending application is immediatley shown at the top of the screen. So its not that they can not show a pending payment, they are choosing not to show pending payments. All my other credit accounts clearly show " pending payments ''. What PEN FED is doing is misleading consumers about their payments so they make double payments, which are then non refundable.

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 2022-03-11
Company: CITIBANK, N.A.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit card was paid off years ago and made sure to lock card online so no charges would go through. Citi is unable to explain to me what the " lock card '' feature actually does or the farud alert does for that matter. XXXX XXXX a red flag when a random charge for a service you do not have and never had appears on the LOCKED card. 

Called to file fraud dispute for unauthorized charge and they told me to contact the vendor while also charging me a late fee and reporting me late on my credit report. I tried to explain to them that not only does XXXX have a 0 fraud liability but regulation E has protections in it as well. They refused to even investigate.

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 monetary relief
Consumer complaint received 2023-06-10
Company: Paypal Holdings, Inc
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I just wanted to inform you about a complaint Im doing so in my XXXX account there was XXXX charges XXXX from {$100.00} and XXXX for {$60.00} from a person named XXXX XXXX another transaction from XXXX XXXX for {$40.00} and XXXX XXXX for {$30.00} I would like those in a form of a check to me because Im sick of the deposit XXXX its ridiculous and once thats been refunded I want my account banned for good and no longer use XXXX Im having problems wi the XXXX just wanted to see if I can get that money back also was wondering if XXXX would be able to compensate me for all this in a form of a check up to {$5000.00} and was wondering if I could get compensated for all this this has emotionallly drained me very much and I feel like I should be compensated for all this trouble that these people have caused me drained me big time so was wondering if up to {$5000.00} or in between there that you would be able to compensate me see what your company would be able to do and send me a check to compensate me for all this trouble plus all the transactions so transactions refunded in a check and a compensation check see what u can come up with and be fair with me u know thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: AL
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:
I recently sent a complaint about the below accounts being charge offs and/or closed paid in full. Charge offs are considered ordinary income how can it be reported on my credit report as debt? I never received a 1099c from the creditor for this alleged debt. This is violation of 15 USC 1681eb. Please remove this inaccurate information from my credit report. 

I have not received an update or status of your investigation. I have asked you repeatedly to verify this debt by sending sign contracts/agreements and I have not received any correspondence. 

XXXXXXXX XXXX acct # XXXX XXXX acct # XXXX XXXXXXXX XXXX acct  # XXXX XXXX acct # XXXX  acct # XXXX XXXX acct 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 2021-04-13
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
It has been over 30days and not a response TICKET # XXXX associated with XXXX for BinanceUS XX/XX/2021 phone broke and could no longer access two-step verification to access the account. 
XX/XX/2021 created a ticket to request removal of two-step verification XX/XX/2021 received an automated response stating : " Thank you for contacting us! We've received your request # XXXX. 
Don't worry ; we can assist you manually. 
To help you with your request, please provide the following requirements to continue : Step 1 ) : Attach the same photo of your identification that was used to register your account. 
Step 2 ) : Attach a selfie photo of yourself, holding the same proof of identification. 
Step 3 ) : Attach a video of yourself, holding the proof of identification and repeat the following phrase : " Today is ( DATE/MONTH/YEAR ), I am requesting to reset my account XXXX for my Binance.US account associated with ( XXXX XXXX. '' Please provide the documentation attached to this thread, or you may use a XXXX link ; we don't accept documentation within Google-Drives After we verify your files, we'll authorize the reset XXXX process. Please understand that as a security precaution, we will temporarily suspend the withdraw function for 48 hours. 
We appreciate your cooperation and look forward to your reply. 
XX/XX/2021 I reply with the three things being asked for and wait for response XX/XX/2021 I create a second ticket same automated response email. NEW TICKET # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: OK
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:
There is a car loan with a repossession on both my XXXX  and equifax Credit reports. I have tried getting information from both the lien holder and car dealership listed on the report. The car dealership is no longer in business and the State of Oklahoma has no record that the entity existed as a legal business in the state of Oklahoma. I have repeatedly requested information including a contract and signatures from XXXX XXXX XXXX regarding this transaction. I believe this is a case of identity theft and I am unable to provide ANY information for an investigation and XXXX XXXX XXXX has NOT provided proof of the debt to me. I have disputed with all three credit bureaus. XXXX  concluded that XXXX XXXX XXXX has NOT and CAN NOT provide proof of debt and removed it from my report. XXXX  says the debt has been verified. I have repeatedly asked XXXX  both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my aforementioned dispute. XXXX   has NOT provided this information. It has been more than 6 months and I have made multiple calls and sent several letters that have gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: The J. G. Wentworth Company
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I sold a payment to jg Wentworth financial of XXXX dollars for a lump sum payment they are now claiming after signing contracts and getting all my information that the payment is now not available I was in contact with my original settlement people who have confirmed jg Wentworth has taken out the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My employer had filed partial unemployment for me from XXXX of XXXX without notifiying me. I had no idea until receiving a XXXX at the end of XX/XX/XXXX saying I had been given benefits. I immediately filed it as fraud until figuring out through my state Department of Labor that my employer had filed. At this point I had contacted my employer and no one could tell me what had happened or even confirm they had filed it. The state department said they were investigating fraud so I waited for them to set up their new fraud reporting portal and filed a complaint. I waited for them to send me a new XXXX hopefully updated but it never came. As time went on, a friend of mine said they had the same thing happen and that a prepaid card wasn't sent out like it should have been. They told me to call the State Department, Way2Go  XXXX XXXX XXXX and try to get one sent to me. I tried the State but most of the lines were disconnected and the one that wasn't kept ending my call after waiting for a few minutes. Way2Go ( XXXX XXXX was fully automated and would not work without already having a card number or confirming my SSN/Date of Birth/Pin, which never worked even after ensuring my ID.me account was connected to my State account. After all of this, my State Department sends me a notice that I elected for a prepaid card ( which I did when confirming my ID.me account ) but Way2Go ( XXXX XXXX never sent me one within the 7-10 days they say it takes. It's been over a year and I've never had access to these supposed UI benefits, can't contact anyone about it, and still am not fully convinced it's not fraud. I've already filed my taxes without the XXXX because the XXXX said if it is fraud to just file it as {$0.00} and let the XXXX and Federal government figure it out. As tax day approaches, I just don't know if there's anything else I can do anymore. I just want to either have the XXXX confirmed as fraud and fixed to {$0.00} like they said they would, or somehow get access to my benefits.

Company response to consumer: Closed with explanation