BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WV
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:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 

Thank you for your prompt attention to this matter.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
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, XXXX XXXX, am verifying that I, XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-12
Company: DISCOVER BANK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After making alternative payment plans with discover loans they reported the student loan accounts as delinquent to the credit card companies for XXXX and XXXX XXXX causing the XXXX XXXX to drop by XXXX point in XX/XX/XXXX. This has caused XXXX to have have increased rates with a mortgage loan application. Also there have been unfair practices when looking to collect payment, such as repeated phone calls and multiple payment letters. Also the interest has compounded tremendously since the beginning of the loan which was originally a XXXXXXXX XXXX loan. When I called in about the increasing payment on XX/XX/XXXX at about XXXX. I was told that there are variable rates on each loan, but on my statements I started with a restructured rate of XXXX during XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Jefferson Capital has been told numerous times not to call me and I'm on the do not call list but they still call me multiple times a week. I've had to block their number but they still keep calling. Below are some dates and times from the past month, listed most recent to oldest. 

Today ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every few months, they suddenly blow up my phone, stop for a month or XXXX, and then call constantly again. They have been told several times to stop calling and they still keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EdFinancial Services
State: TX
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:
I requested a refund for student loan payments made during the COVID pandemic. Per CARES ACT law, they should be eligible for refund. I was told that the refund I requested may not be processed, and if it is, it could take 150 business days! This is unacceptable considering the fact that other servicers are providing refunds within a couple of weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is 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 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 2022-04-12
Company: EQUIFAX, INC.
State: TX
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 sent in my FTC report, theyve been giving me the run around saying they have received it for 3 weeks after sent in date, all of the other credit bureaus received it 3 days after I sent it. I called 3 times to check the last time I called the supervisor would not answer my questions on my account and then hung up in my face without resolving any of the problems I had brought to his attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 company is currently showing 60 days late in XXXX XXXX, 30 days in XXXX, 30 days in XXXX and 30 days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
CAPITAL ONE XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: CITIBANK, N.A.
State: IL
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 sent a letter dated XX/XX/18 to XXXX 's disputing my account being reported as a charge off. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. After I received that letter from XXXX XXXX, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions an account that is reported on a credit report, and mark the item as being disputed within 30 days. This account was marked " Election of remedy-reported by subscriber '' from a previous dispute through XXXX regarding this account. I received a letter from XXXX XXXX dated XX/XX/18 that stated that XXXX XXXX was unable to process my request with the information I provided. I pulled my XXXX report again on XX/XX/18 and my account was marked " Account in dispute-reported by subscriber ''. I also sent letters to XXXX, XXXX, and XXXX on XX/XX/18 disputing the validity of how this account is being reported and all three credit bureaus reported the account is being reported correctly, and this account was marked " Account in dispute-reported by subscriber '' on my XXXX report. XXXX 's has violated section 623 ( a ) ( 3 ) of  the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting this account be removed. Please see attachments for all correspondence.

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 2023-02-12
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX I had fraud on my venmo account. It was XXXX XXXX. I called Venmo and spoke to fraud team and they said to file a dispute of charges with them and they will get my money back. Dispute of charges filed with Venmo against XXXX XXXX A week later out of nowhere, Venmo closed my account without giving me any reason or warning. They refused my direct deposit and had it sent back to my employer who didn't receive confirmation for a week and my pay checks had to be mailed which took delays and was hurting real bad. Venmo then froze all my money in the checking account and said they might return my money depending on unknown factors they won't release. Upon reviewing this issue, Venmo always takes the money and forces the consumer to take action. I have lost hundreds of dollars in late fees and my Christmas was ruined because my funds were all over the place and missing due to this scam Venmo did one. I was following the fraud departments advice and I got punished for trust Venmo. They never respond to emails and can't call them at all. Want my money back plus more if possible due to all of the money I paid in late fees, my credit score dropped, plus so much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
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: Problem with personal statement of dispute

Complaint:
I've sent out three disputes to Experian, XXXX and XXXX on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. The amount owed is {$1800.00}. I've disputed to receive proof of verification on my credit report but have not received accurate information at all. I've disputed about this account on three different occasions but neither credit reporting company has given me an accurate response.

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 2023-04-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
A special promotion with Synchrony Care Credit. If I don't pay off my balnce by XX/XX/XXXX Care Credit is going to add the accrued interest based on the original amount instead of what is left over ( {$1000.00} plus ) back into the remaining balance. I applied for a special XXXX XXXX balance transfer card with 15 months no interest. Care Credit is blocking the transfer because they said it is illegal to pay a credit card with a credit card and Care Credit is blocking the transaction. I have called and called Care Credit and they keep saying the same thing. XXXX XXXX said they transfer balances all day. Care Credit allowed me to transfer their balance to my XXXX XXXX years ago but now they are. 
Please help

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 2023-07-13
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Last year on the studentaid.gov website : ( https : XXXX : XXXX ) There was a link to recertify my IDR plan early. 
I did this last XXXX, XXXX, and got a notification back from Nelnet that it was too early to recertify. 
On the same site it says " You wont be required to recertify before payments restart, and the earliest you could be required to recertify is XX/XX/XXXX. '' I then received an e-mail from Nelnet on XX/XX/XXXX saying I had a payment coming due of {$290.00}. 
I recertified immediately again when I saw this. They ended up putting me in forbearance and capitalized over {$10000.00} to my principle balance so I now have to pay significantly more for interest than if they would have accepted my early recertification. 
I called them about this on XX/XX/XXXX and they said there was nothing I could do about it and that when I recertified early I checked the wrong box! 
They said I recertified too early and too late! 
They said the notice about not having to recertify until XX/XX/XXXX didn't apply to XXXX loans. 
I've been struggling financially but their actions are making it more and more impossible for me to pay them back. 
In addition they tell me I can't consolidate my loans unless I want to extend my payments by another 10 years! 
They told me I could apply for REPAYE but that was a lie ... that option isn't available for FFELP loans without consolidating! 
They should have sent me a letter about the recertification due date because it was a very important issue considering the false/misleading information published on the studentaid.gov website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
The following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from the above XXXX XXXX XXXX. Thiss so unwarranted.

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 2023-07-12
Company: WELLS FARGO & COMPANY
State: RI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Background : I opened a new Wells Fargo Way2Save Savings account on XX/XX/23 under the " {$520.00} promotion ''. The promotion was to open a new savings account and deposit {$25000.00} within 30 days of account opening and keep the funds till day 90 of account opening. The {$520.00} bonus will be credited within 30 days after meeting the qualification. 
Problem - I opened Way2Save Savings account on XX/XX/23 and deposited {$25000.00} on XX/XX/23 in the account and kept it till XX/XX/23 which is more than the 90 day period. So all these requirements were met as per their Terms & conditions of the offer which makes me eligible to receive the bonus. Even after meeting all the requirements I did not get the {$520.00} bonus in my account. 
Efforts - I reached out to Wells Fargo customer support multiple times through phone call and requested to credit the bonus amount but I was given false excuses of not giving the bonus which did not make sense. When I asked for concrete details, they could not answer and created a ticket in their system but I haven't gotten the bonus yet in my account. This is the reason I decided to file the CFPB complaint. I have also attached the pdf of offer XXXX XXXX XXXX. 
Account email - XXXX Account # - XXXX Ticket Ref No - XXXX Resolution- I met all the requirements of the XXXX XXXX  XXXX of the {$520.00} promotion offer and they just don't want to pay the bonus for no reason and I want them to hold true by their XXXX XXXX XXXX conditions of the offer and provide the {$520.00} bonus credit in my 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 monetary relief
Consumer complaint received 2023-02-16
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:
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. 
XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX  My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$380.00} 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 non-monetary relief