BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: Nelnet, Inc.
State: GA
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:
After trying to obtain IRS Transcripts online, I was asked to provide ONE of the following. Home Equity Loan Account Number, Student Acct Number, Auto Loan Acct Number or Mortgage Acct Number. I have a student Loan. I look at the Statement from My loan Servicer Great Lakes. When I entered the information. The IRS stated that this information was inaccurate. So I gave GREAT LAKES A call. The 1st Rep gave me an extension of my account number, I tried that and the IRS stated that that was incorrect. ( online ) I called for a 2nd a 3rd Time, Was told to called XXXX only to find out that they will not give you any information, However they will verify it if you have it. I put a call into the US Dept of Education only to be led down another dead end with only me divulging information and not receiving. I felt each time as if I was speaking to a collections company. Not to mention I never received the correction information. I contacted the IRS again and was told I need to ask for my XXXX XXXX Account Number. The Servicer was completely clueless regarding my request as to what else they could. Each company asked me to contact the other. My question or concern is how can someone collect, ask, service or take payments from me without having a valid and or a legitimate account number to apply my payment to. The very last phone I made was again to Great Lakes where I spoke to a supervisor. I was told by the Supervisor that Great Lakes is the Loan Seriver and the loan number would come from the lender. I asked for the Lenders information and she gave me XXXX XXXX XXXX and I asked her who it was that I was calling and she again stated it was the US Dept of Education. from XXXX E. When I called I spoke to a representative they told me that they work with the US Dept of Education but they are Student Loan Support for the website Studentaid.gov and they don't have the information. I was led down yet another dead end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Self Financial Inc.
State: CA
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:
My identity was stolen in XXXX. I contacted the 3 credit beaureus to place a fraud alert for accounts being opened in my name. I was told any time an application for anything was filled ' that the companies would be required to contact me before opening the account requested. 
On XX/XX/XXXX, XXXX XXXX  ( a self financial company ) opened an account using my information without contacting me to verify my identity. They are refusing to take my call to close the account saying that the request can only be done by email and with a report from the FTC. I completed a report with the FTC, but because their was a typo on my email, I couldnt get access to the report until I waited a certain time and refilled another complaint with them. XXXX  is also refusing to remove this account from my credit reporting because I havent been able to get it closed through XXXX XXXX  ( who is still refusing to close the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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 comsumer rights to privacy and confidentially under 15 USC 1681. 
ACCT # XXXX DEPT OF EDXXXX ACCt # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX Hard Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Retired Spouse wrong not married XXXX wrong Social security XXXX wrong Address # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX5USC1681 section 602A states I have the right to Privacy.

15USC 1681 section604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 whivh antedates the report by more than seven years.

15USC 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 2022-06-11
Company: EQUIFAX, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, THESE ARE HARD INQUIRIES DAY Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax US SM BUS ADMIN ODA 0XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Quick Debt Services LLC
State: MO
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:
ONORABOUTXX/XX/XXXX,IFILEDDOCUMENTWITH(XXXXXXXXXXXX)SERVICETOSET-UPREPAYMENTOFMYSTUDENTLOANS.ISOONLEARNEDTHRU(XXXX)#XXXX.THISCOMPANYWASAFAURD,ANDBEGANTOCALLTOCANCELANYMOREPAYMENTTAKENTHRUTHEBANK.SINCEXX/XX/19IHAVENOTBEENABLETOGETARESPONDIWASADVICETOCALLTHISSERVICEANDFILEACOMPLAINT.IHOPEYOURCOMPANYCANHELPMEANDFUTURESTUDENTSTHATFALLUNDERTHISTYPEOFSITUATION,

Company response to consumer: Untimely response
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance - Balance updated - Original balance {$34000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid, Closed. {$37000.00} written off. 
Status updated XX/XX/XXXX Original balance {$34000.00} Monthly payment - Last payment date XX/XX/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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: CO
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:
XX/XX/2023 I rec 'd an email regarding XXXX credit card application. I was already victim to XXXX this week. I notified Credit Bureau immediately and filed report and XXXX. Apparently someone applied online for XXXX Credit Card in my name and it wasn't 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 non-monetary relief
Consumer complaint received 2018-08-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi I done an ACH transfer from Santander account by mistake which I never choose overdraft line of credit. I told them clearly I don't want overdraft facility at all they should not procees payment if there is no money but they done that anyway!! 

An ACH tranfer of {$300.00} is {$780.00} in just 2 weeks!! They blocked me logging into my own online account with since I was planning to transfer on Day 1.Below is the attached bank opening document which clearly states I didn't choose overdraft but Santander bank put overdraft facility without me choosing it.

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 2023-10-13
Company: North American Asset Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I deposited a check from a friend name XXXX, Here is his phone number : ( XXXX ). He asked me to deposited a check that He got from a customer I asked him why can't he deposited the money himself and he said that becuase his bank was in another state. I deposited it and at first when I mobile dospit the check didn't go through. I had to wait a few days for it. after recieving the money he told me that he needed XXXX too pay for some moving expenses and which I did. unknownly a few days later the check was returned back and the bank took the XXXX check back. I was very shock when this occur. I had recently tried to contact this merchant by he didn't answer my call or texts and I saw in the description that the reason for the dospited return checks was because the account was closed. I was a vicitim of fruad and this guy and the person who wrote the check took advantage me and the rest of the funds I have.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-25
Company: EQUIFAX, INC.
State: TN
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 paid my XXXX XXXX XXXX credit card in full on XX/XX/2019 and they are not reflecting that I had a {$0.00} balance and I have used the card for a purchase on or close to the XX/XX/XXXX in the amount of {$29.00}. But they are not reporting accurate information on the above account, per XXXX XXXX credit alerts the information that XXXX XXXX is reporting on the balance amount is incorrect {$770.00}. I have never had that amount of a credit limited from them. I spoke with a representative on Saturday XX/XX/2019 at XXXX TN time from Equifax and she said they ( XXXX XXXX ) have not reported no new updates on my account for the month of XX/XX/XXXX. 

Account # XXXX XXXX XXXX XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
Experian reporting : Fraudulent inquiry- XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TN XXXX... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX reporting : Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN 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 2019-05-08
Company: Experian Information Solutions Inc.
State: VA
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:
A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the  documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, on XX/XX/2019, the company sent me a credit monitoring alert and email stating that the debt listed was not changed because the company " certified '' ( with no paperwork ) that the information reported was accurate. Experian is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2020-05-26
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:
I sent a letter to Experian over a month ago, didnt hear anything back, so i sent a 2nd letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent 2 letters and i have not heard anything back from them!

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
the XXXX account # XXXX thats reporting on my credit report has inaccuracies that makes this report invalid!!! in transunion date opened XXXX while in XXXX says XX/XX/2021 date last active all 3 bureau has three different dates!! PLEASE DELETE THIS INVALID DEROGATORY REPORT THAT'S HURTING MY CREDIT SCORE IMMEDIATELY!!

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 2021-07-24
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: Account information incorrect

Complaint:
XXXX, TransUnion, and XXXX  are all reporting inaccurate information on my credit report. I've mailed Dispute letters twice to each credit bureau directly, once on the date of XX/XX/2021 which wasnt responded to in a timely manner according to the FCRA and once on the date of XX/XX/2021 in reference to these issues being disputed and resolved. It's now been over 60 days and they still have not taken action on the inaccurate information that's reporting to my credit profile.

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 2023-10-27
Company: M&T BANK CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
This is the third time I've had problems with this company trying to keep the money the state has given me to help me during these trying times. I have filed a complaint before which is the only reason they didn't steal all my money the first time, which by the way they still didn't apply the money how it was suppose to be applied. The money from the state is to pay my mortgage payments, they took half of it and applied it to my principal which isn't what it was put there for. It was to pay 12 months of my mortgage but they only applied it to six and then took the other six months and applied it to the principle. Now the state has sent more money to help and the mortgage company is trying to keep this money. I really need this help. I hate to see the people who don't know how to stand up being taken advantage of. What they are doing is wrong. This money is to help people like me who need the help, not for the mortgage company to try and pocket. They make people jump through hoops to get the money applied to where it is suppose to be applied hoping we fall short so they can keep it. The money was sent to help me and pay my mortgage. The money is sent to take care of my mortgage payments, not for them to apply to my principal which does not help me because it's a 30 year loan. It's to help me now, not for the mortgage company to decide to keep it

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 2021-09-16
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I noticed this fraudulent inquiry on my XXXX credit report and I've disputed it several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiry immediately, thank you. 

Hard Inquiry Date CBNA XX/XX/20

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