BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-29
Company: Nelnet, Inc.
State: MI
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 recently found out an account was placed on my credit report that belongs to my daughter. It shows delinquent. However, no one called me about this account. Ive talked with XXXX and XXXX about this, and each referred me to the other. I asked why no one contacted me, and Was told they called me, and they gave me a number that was not my number. They said they knew it was not a good number. Said I should have called and reported a number change, but I said How was I to know you had wrong number? The customer service person read a number off to me which was not my telephone number. I asked how they could place something on my credit without even trying to call me or reach me. I even stated if they would remove this from my credit I would like to pay it off for my daughter if I could negotiate a lower rate. No one will work with me for a lower rate or help remove this from my account. I was told I was the co-signer. Even though I dont remember co-signing this loan, Im willing to help my daughter and try to work something out if they will remove this from my credit. Its not my debt However, as co-signer on this loan dont I have a right to be notified? They even admitted not contacting me several times. I worked so hard to have good credit, now its ruined. I am XXXX. Please help me. I will pay account off, now that I know, but just dont think this is fair to be on my credit nd not be given a chance to make things right. My daughter has brought account current. Please help me remove this negative mark from my credit. Thank you in advance for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these accounts. 


XXXX XXXX, XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act, 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 a account without my written instructions 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. 

Also date last active, date of last payment, and date opened on the following accounts need to be verified as they are reporting old outdated and incorrect information. 
XXXX # XXXX last payment date is XX/XX/XXXX, but outdated as far as being opened XX/XX/XXXX. XXXX and XXXX deleted it but Equifax is holding this account when it is past the statute of debt limitations in the state of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX last payment date is XX/XX/XXXX on XXXX, and last payment date is XX/XX/XXXX on Equifax XXXX the balances are also different. XXXX XXXX XXXX XXXX dates last active and dates of last payment are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting 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:
My credit report indicates an inquiry from Ally Financial on XXXX. I did not authorize this nor did I fill out an application.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There has been a XXXX XXXX Claim in my credit report for the last 3 yrs. and has been showing as an unpaid debt. The Hospital submitted a no-fault car insurance claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX in early XXXX, I went to XXXX XXXX in XXXX, NY to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 
It has taken me 2 yrs. to get this corrected, and still, the negative history is part of my credit history. I have made countless calls to the XXXX XXXX XXXX and XXXX - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my three ( 3 ) credit bureaus as " old unpaid medical debt ''

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 2022-07-06
Company: S & S Recovery, 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 have received validation of debt by S & S Recovery via Mail Dated as the XX/XX/2022 information is attached to this complaint. The referenced Account # XXXX Reference # XXXX. There was an inaccuracy in which I was incorrectly billed in the amount of {$1400.00} was supposedly refunded back to the account. I did not receive any funding for an overage nor was this information shared with me until the investigation from S & S Recovery. The account balance reported from S & S Recovery is not reflected as the SAME BALANCE reported on my XXXX Credit Report. ( Doc. Attached ). 

I am contacting you because you claimed to have completed this investigation and verified this information with XXXX XXXX XXXX as reporting 100 % accurate. However, this account is STILL inaccurate and is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I have previously requested that you investigate and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE and remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: American Credit Acceptance, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX this company pulled my credit through a 3rd party and i did not authorize them to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I filed complaints about false information appearing on my credit report with TransUnion, XXXX, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than sixty days. Copies of every letter sent are attached below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: GA
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:
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. 

has violated my rights. Or a list of inquiries : 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 2023-05-10
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I am writing to you today to appeal the permanent limitation that has been placed on my PayPal account ( email address : XXXX ). I believe that this limitation has been placed on my account by mistake and I would like to request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to state that I have not violated any PayPal policy. I have always used my account in accordance with PayPal 's terms and conditions and have never engaged in any fraudulent or illegal activity. Therefore, I believe that the limitation has been placed on my account in error. 

Furthermore, I would like to emphasize that my PayPal account is an essential tool for me to carry out my daily business activities, and this limitation has caused significant disruption to my operations. As such, I would greatly appreciate your prompt attention to this matter. 

I kindly ask that you reconsider your decision and conduct a thorough investigation into my account activity. I am confident that once you have done so, you will find that my account has been unfairly restricted. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I contacted Bank of America regarding interest rate changes to my credit card account ending  XXXX. The Credit Card Agreement indicates the initial interest rate was 8.24 % Standard Rate. Bank of America advised there was an interest rate change of 8.49 % on XX/XX/XXXX; 9.24 % on XX/XX/XXXX and 9.49 % on XX/XX/XXXX. Review of the notices received indicates Bank of America did not to send a 45-day Change In Terms Disclosure advising of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX.

A complaint was filed with the CFPB on XX/XX/XXXXrequesting clarification of the Standard Rate ( Fixed Rate?? ) vs the Variable Rate APR verbiage indicated on the Credit Card Agreement. I also requested copies of the Change in Terms ( Interest Rate Change ) Disclosures from XX/XX/XXXX to XX/XX/XXXX. A response was received from Bank of America on XX/XX/XXXX. Bank of America advised interest rate changes to the account were XX/XX/XXXX ( 8.24 % to 8.49 % ) ; XX/XX/XXXX ( 8.49 % to 8.74 ) ; XX/XX/XXXX ( 8.74 % to 8.99 % ) ; XX/XX/XXXX ( 8.99 % to 9.24 % ) ; XX/XX/XXXX ( 9.24 % to 9.49 % ) and XX/XX/XXXX ( 9.49 % to 9.74 % ). Change in Terms Disclosures were provided for review for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( with no interest rate changes ). However, Change in Terms Disclosures WERE NOT provided for review for XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; and XX/XX/XXXX/XX/XX/XXXX.

Although the Creditor provided a response to my complaint and SOME supporting documentation, the documentation provided validates the premise of the initial complaint. 1. Bank of America, failed to provide an explanation of why the Credit Card Agreement identifies the loan as a Standard Rate and the APR is actually a Variable Rate ( it is my understanding a Standard Rate is a Fixed Rate ). 2. Bank of America infers that since the credit card was a Variable Rate APR ( no explanation provided ) they are not required to send Change in Terms Disclosure for the interest rate changes as required by the Card Act of XX/XX/XXXX. Although, Interest Rate Change Disclosures are required by law to be sent within 45 days of the change. The response Bank of America does not address the concerns of the initial complaint and the Creditor has been unresponsive to additional calls regarding the complaint.

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 2022-07-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for a summer XXXX and found a XXXX XXXX XXXX offered by them. That happened on XX/XX/XXXX. On XX/XX/XXXX, they sent me an interview invitation. Since it was a remote XXXX, they asked me to contact HR- XXXX, the person I get with, through a website " XXXX XXXX XXXX '' ( it is a XXXX website ), and it is possible to search XXXX by entering " XXXX '' on XXXX website. Everything went well until that person interviewed me. 

After the interview, XXXX told me I was confirmed qualified for the open position. However, he asked me to pay for the training material while the finance department sent me a check through email ( the email above ). I made the payment through XXXX on my mobile bank APP. There were two receivers. One of them was XXXX XXXX with the email address XXXX and phone number XXXX XXXX XXXX ; the other person was XXXX XXXX with the email address XXXX. I made {$1800.00} to XXXX XXXX, and the payment to XXXX failed. The check they sent to me was {$1900.00}. In next day, XXXX notified me that some updated equipment was added to the training materials and asked me to pay another {$1400.00} to XXXX XXXX. They did not send me a check at once. Instead, they said they would send the physical check and training materials on XX/XX/XXXX. At that point, I recognized it was a fraud, so I contacted my bank 's customer service and made claims for all the above transactions. On XX/XX/XXXX, which is today, I did not receive anything from them ; instead, XXXX still wanted me to pay {$1500.00}, so they could mail the training materials and check to me. I told XXXX that my bank account had been closed ( It is not closed, but it will be closed on XX/XX/XXXX since the bank recognized the {$1900.00} check was a scam ), and no one could access my bank account, even bankers. Then, XXXX said, " [ I am ] advised to proceed to make payment of XXXX or partial payment right away ... Failure to comply, [ my offer ] will be canceled immediately. '' I did not and would not comply. 

Eventually, I transferred {$3300.00}, and the second payment is still pending. However, my bank can not stop the transaction ; instead, they made claims for all of those transactions.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/22 I sent Experian a : Affidavit of Truth ( notarized ), and a invoice stating the laws that have been imposed on and the amount I was owed based upon that breach. I have not gotten any response. 

On XX/XX/22 I sent Experian the same information with a few more documents : Affidavit of truth ( notarized ), a invoice, legal notice and demand document. 

It is now XX/XX/22 and I have not got a response from this company. 

I sent all my documents certified mail to : EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA 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 2022-10-27
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX BANK 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 2023-06-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX XXXX. XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation