BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved and transferred my XXXX account to my new address in XX/XX/2022. Since I moved from the XXXX XXXX to the west coast they had to transfer me internally from east accounts to west. They went ahead and cancelled my service internally so they could transfer account manager. Then they charged me a cancellation fee even though I never cancelled. I never received a notice until XX/XX/2022 when I received it from a collections agency AFNI. I spent XXXX hours on the phone with XXXX on XX/XX/2022 where they explained what happened and apologized and said the debt would be cancelled but it was out of their hands they claimed their emails warning me were stopped by their system as my account was never cancelled so I shouldnt receive this notice. I kept getting harassed by the XXXX company and finally ended up paying a debt I never owed. Even though I paid they still struck my credit report. XXXX has apologized but said they have no way to fix their error. Their error has wrecked my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Upstart Holdings, Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Upstart has violated the Fair Credit Reporting Act in that they have performed a hard credit pull in violation of 615 ( a ) - 15 U.S.C. 1681m, et. seq., and that the Hard Pull was based upon 619 - 15 U.S.C. 1681q. 

On, XX/XX/2021, I received an email ( after I applied to online solicitation through XXXX XXXX ) from Upstart, congratulating me for their apporval of my online loan request. That email was ambiguous as it informed me that they will perform a hard credit pull which will affect my credit report, However, what the email did not do was inform me as to what the " Disqualifying events '' were, and had it done so, I would not have went into their portal and logged in for them to turn around and deny an application that they initially said was approved. A 'Disqualifying event ' ; if, not disclosed, can mean anything. Further, if a loan was 'approved ' then the application was approved. 

On, XX/XX/2021, I complied with Upstart 's request for me perform the " next step '', which was to log-in.

Two days later, on XX/XX/2021, Upstart sent me an email, informing me that they did not accept my loan application, which was untruthful, given that on XX/XX/XXXX, they informed me that my loan was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
TRANSACTION DATEXX/XX/XXXX DESCRIPTION XXXX XXXX, XXXXBESTBUY AMOUNT {$180.00} STATEMENT DATE XX/XX/2020 REFERENCE NUMBER XXXX TRANSACTION ID XXXX MERCHANT CATEGORY XXXX TYPE PURCHASE

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 2023-07-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
have had my credit report pulled for a home purchase and found inaccuracies that are keeping me from proceeding. There are XXXX loans from Department of Education reporting on my Equifax report as open, late 120 days and with balances. This is incorrect. These accounts were transferred to XXXX and are current. The accounts showing as DP of EDUC on my credit report should be reporting a XXXX balance and be listed as closed due to transfer. 

I have attached 6 screenshots from my credit report showing the 3 " late 120 days Dep of Ed " loans with balances and the 3 current XXXX loans on my credit report. You can clearly see that balances match up. The older files were obviously transferred to XXXX. This error is only showing on my Equifax report. I have also included a copy of my license as proof of ID.

These Department of Education loans showing as open/ late with balances are preventing me from obtaining necessary funding. I need this researched and updated to paid or transferred as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: Nelnet, 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: Account status incorrect

Complaint:
XX/XX/XXXX my credit score was XXXX, this is a testimony that I am a very repsonsible person. My student loan was on a deferment plan with Nelnet ( Student loan servicer ) from XX/XX/XXXX. The deferment plan postpone repayment of my stduent loan for a designated period. Nelnet would send an email reminder to renew the deferment plan. However during Summer of XX/XX/XXXX I lost my cell phone, and with the new cell phone I was unable to retrieve any forms of email. In XXXX I noticed my credit score dropped from XXXX down to XXXX, I've lost 147 points. After doing a couple of research, Nelnet told me they reported me " delinquent '' for not making payments to my student loan. I told the representative I did not have a payment plan only a deferment plan, and why is that I have to loose 147 points?? Nelnet told me they sent reminders, unfortnately I did not recieve them. XXXX tech support advised me of some issues and some of my mails went straight to my junk file. 
Moving forward, In XX/XX/XXXX I setup a payment plan for auto payment from my checking account. 
All I am requesting for Nelnet to do is to reduce the points lost from my credit score instead of 147 points. This does not make sense, were XXXX  students trying to make it in the workforce. As a XXXX, were not running from our responsibilities, deferment on loans gives us some wiggle room to get our lives together. And a bad credit score will never help us .My creditscore of XXXX is a testimony that I make my credit card payments on time. This lost has caused my credit card limit to drop severly. I have XXXX children and I can not support them on bad credit, I've worked VERY hard to maintain a high credit score.

Please, I need any assistence in gaining back some of my credit score points. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I initialed an ACH transfer from XXXX XXXX to Usaa Fed Svg Bank of {$10000.00} on XX/XX/2023. As of XX/XX/XXXX the money has not been posted to the USAA account and USAA can not give me anything in writing that I reported the lost money. 
XXXX XXXX has provided the control number to research the transfer which I gave to USAA on XX/XX/XXXX. USAA can not locate the transfer and can not provide information. 
Control number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
on XX/XX/2023 i was trying to get a loan and i realized i had damages on my credit that i did not authorize according to the 15 U.S.C 1681 law there should not be any damages on my report its a defamation to my character this is stopping me from getting a home for me and my children i have reached out to all agencys reporting this and they refuse to remove the fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: MA
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NY
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:
Please remove the following names or addresses from my account. These are not my names and I have not authorized anyone to give or use these names or addresses. 
Inaccurate Name as stated on Credit Report : XXXX XXXX Inaccurate Address as stated on Credit Report : XXXX XXXX XXXX XXXX XXXX I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Account type : Open Account Account Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


INQUIRY Account : XXXX INQUIRY Date : XX/XX/XXXX BUSINESS : - Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX Late payment date : XX/XX/XXXX Balance : XXXX I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
Date of Original Dispute XX/XX/22 advising that I HAVE NOT RECEIVED VALADATION NOTIFATION BY MAIL OR ELECTRONIC PRIOR TO REPORTING TO MY CONSUMER XXXX REPORT FOR PORTFOLIO RECOVERY ASSOCIATES. I NEVER AGREED OR SIGNED ANY CONTRACTS AGREEING TO DOING BUSINESS WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE PROVIDE THE ORIGINAL SIGNED CONTRACT. PLEASE PROVIDE CONFIRMED PROOF OF ME RECEIVING THE VALIDATION NOTIFICATION ( I NEVER RECEIVED OR SIGNED OR CONFIRMED ) PER MY CREDIT REPORT THE UNAUTORIZED BALANCE IS LISTED AS {$450.00}. 
I DO NOT AGREE WITH THE COMPANY 'S RESPONSE BECAUSE I NEVER RECEIVED VALADATION NOTIFICATION OR SIGNED A CONTRACT WITH PORTFOLIO RECOVERY ASSOCIATES AND THEY ARE IN VIOLATION OF MY RIGHTS UNDER THE FDCPA LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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:
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, 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a victim of a natural/ declared disaster. I got this account removed from XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Please remove from remaining account. ( Equifax )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Credit Card Acquisitions Group
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021, I disputed an unknown account that appeared on my XXXX credit report. Rather than respond to the dispute/validation request, Foster and Monroe called me and left an inappropriate voice message today, XX/XX/2021. It was not a standard XXXX/mini-Miranda. It identified me as a debtor by name, threatened to add the negative tradeline on additional reporting agencies, and also threatened to make calls to my employer ( XXXX ). There was also a threat to show up and collect some " merchandise '' in person. I have no idea who they are and what they want, hence the reason for the dispute/XXXX. These tactics are illegal. I have copied screenshots of the voicemail transcript. I have a copy of the voice message saved. The dispute/validation request is still unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$2800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I opened a bank account with PEDFED with intentions of building a relationship.I applied for a credit card during the process, I WAS APPROVED!!! for a XXXX Credit Line. I was then asked to send in proof of income, I did it was accepted. the customer service rep indicated that my income was high and they get a lot of fraud from XXXX XXXX. I waited 10 days the card never came. I called and I was told that the loan processor wanted to speak with me, I called back and I wasn't able to speak to the loan processor, but the The rep told me they wanted to verify my job, they pretended to call my job, never spoke to me, the guy name XXXX XXXX left a message from XXXX, I'm guessing he wanted to find out my race. I called XXXX back and never got him on the phone, the CSR told me that everything was find and they were sending the card via XXXX. I believed him, and waited a few more days and nothing came. I called back and I was told it was denied. I was shocked because it was already approved, that's not how it works. banks don't lie to their customers. So I wrote a letter asking to reconsider my request which was odd because this bank did everything possible not to honor my approval and then lied multiple times, sent out false letters of the reason. 

I wrote : I was told twice that I was approved. I was told the card was sent out to me via XXXX XXXX yesterday I sent in my check stubs almost 2 weeks ago. I am gainfully employed earning a great income this year with no long-term debt. I was told someone from PenFed called my job and hung up, they have caller ID. I am requesting your reconsideration of the original credit line I was approved for, I have similar credit limits rarely used, My creditworthiness is not the issue. The letter has the wrong information. I am employed and I sent you proof of income. 

I was then told via email to send in my taxes, I said OK but before I could do that I was treated like a criminal, I was told they really didn't want to see my taxes and that they have decided based on my ethnicity and location that they will continue to not honor my approval. Attached is them doing everything not to honor my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a fraudulent case with Bank of America on XX/XX/XXXX because someone had stolen an amount of $ XXXX from my checkings account and I have been waiting for 63+ days and going now and I still haven't received my money. The temporary credit was reversed because BofA made the mistake of making a duplicate claim and not reopening my original claim resulting in them taking back my credit and never issuing any temporary credit or funds in the entire investigation. Lawfully I believe my banking institution has failed me and failed to acknowledge the fact that this situation has burdened me to a point of financial collapse.. I live a very stressed and painful life since encountering this fraud and it has not been an easy journey for me. The customer service BofA has provided is not great and unempathetic to my needs as a customer of 9 years ; this is also the first time this has happened to me. I don't want this to happen to anyone else and I would not want BofA to overlook the lives of its customers the way they have mine in this situation. My identity and money matter to me.

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 2023-10-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation