BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: MS
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX 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 XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 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 2023-10-25
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the XXXX program on XX/XX/XXXX. My loans are handled by Nelnet. My loans have been accruing interest. I inquired with Nelnet on XX/XX/XXXX on when my XXXX application would be processed since they have continued to put my loans on forbearance but the interest has continued to accrue. They told me they had no way of contacting the department responsible for processing the applications and no way of telling me when my application would go through. In this time my interest has continued to accrue which shouldnt be happening with the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Hi my name is XXXX XXXX I was a victim of identity theft and I reported problem to 3 Major Bureaus and creditors and upon doing my own investigation and contacting some creditors myself I found out that fraudulent account were open either with previous addresses either phone number and e-mail that fraudsters use were not mine and companies reporting to major bureaus came back with investigation results that investigation was done and information was correct but they were not.I attached proof such as rental agreement for the years where I lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an email a few months ago that Bank of America ( BoA ) would close a checkings account in my name. I had never opened an account with them. When I called, the rep said I would receive a packet in the mail in order to file fraud. When the packet came in the mail, it asked for copies of several of my credentials. I did not feel comfortable doing so. I went into a BoA branch and asked them to verify the account was closed. They said it was. 
A few months after that, I received a letter in the mail saying another BoA Checkings account in my name would be closed. I received a Bank of America {$700.00} check for the remaining balance on that account. Someone opened the account in my name and received several XXXX payments in one day. I have not cashed the {$700.00} check. However, I do not want accounts to keep being opened in my name. How can I stop this?

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 2020-12-24
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not 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 explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like a thorough reinvestigation, i sent my license social card bill a affidavit to Transunionn. They recieved it, i sent it with return reciept priority. I asked them to fix and delete all old adress, alias. My name is XXXX XXXX XX/XX/1976. I live at XXXX XXXX  XXXX XXXX XXXX nc XXXX phone # XXXX XXXX XXXX. No other po box or names shall appear on my credit report. Please Delete several inquiries .i do not remember making o my report with no permissible purpose. XXXX ( 4 ). PLease send proof under the FDCPA to accuracy. Please send originnal application with wet ink signature. To substantiate accuracy. I know what a inquiry is i do not rmember givig permission. Plaease send permisible purpose. There is no address on report to contact furnisher making information inacurate. That is a violation. I should be able to contact them to defend myself. Please respond promptly with facts and law. I already contactacted them to resolve this. They have no signed application on record.

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 2023-03-10
Company: EQUIFAX, INC.
State: LA
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: EQUIFAX, 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:
There are currently numerous accounts, addresses and names listed on my report that are a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
Equifax, XXXX, and XXXX have failed to removed several inquiries that I did not authorize. I have sent letters to each bureau detailing that the information is not accurate. The companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX  claims that they are indeed accurate. I never authorized anyone to pull my credit to address mortrgages. 

According to the Fair Credit Reporting Act, they are required by federal law to ensure that all details being reported on an account must me 100 % accurate and verifiable. If they are unable to correct these inaccuracies for any accounts listed, then per FCRA requirements they should have removed the inaccurate inquiry ( XXXX ) entirely from my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: DISCOVER BANK
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have Discover card ending XXXX. In XXXX of 2023 I had a balance on this card {$14000.00}. 
On XX/XX/2023 The convenience check issued by XXXXXXXX XXXX XXXX XXXX with my wife 's name : XXXX XXXX was cleared by Discover. The amount of that check was {$14000.00}. That check number was # XXXX. My wife run into a problem with XXXX : XXXX insisted that the check was not # XXXX, but # XXXX. The problem - # XXXX is not promotional check, and 20.24 % ( instead of 0 % ) XXXX started to accumulate. On XX/XX/2023 my wife spoke with XXXX and XXXX asked me to get the evidence from Discover that the check Discover cleared for {$14000.00} had number # XXXX. On XX/XX/2023 I called to Discover and spoke to agent XXXX. I was provided " memo line XXXX - XXXX ''. 
On recorded phone call I was promised to get e-mail dated XX/XX/2023 and paper mail confirming that the check cleared by Discover was # XXXX. The promised e-mail never came. However, on XX/XX/2023 I got e-mail asking to call Discover to discuss important matter. I called to learn from agent XXXX that both e-mail and paper letter will not be sent. She said that agent XXXX made mistake trying to help me and my wife to promise those letters. I asked XXXX to transfer me to a supervisor and provided my work number for supervisor to call me during business hours as I don't have mobile reception on my phone being at work. XXXX wrote the number, however the supervisor called twice on my cell and left message to call back at the number on the back of my card. I called back and spoke to somebody XX/XX/2023. The representative said that the letters verifying check number were sent XX/XX/2023. When I asked to resend e-mail as I never got it, the representative said that she can't. All I need is the letter from Discover stating the check # .... paid to Discover XX/XX/2023 I'm attaching Discover statement showing payment {$14000.00} XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After building my business credit, I was invited to apply to a AMERICAN EXPRESS CREDIT CARD. After being denied, i then learned that there was a fraudulent outstanding debt that I have no relation to. I, XXXX XXXX XXXX XXXX, then contacted CEO XXXX XXXX, of AMERICAN EXPRESS regarding this matter, where my inquiry was fowarded to the fraud resolution team. After disputing this information, the fraud resolution team advised me that this information would not be deleted because there were payments made on the account. UNDER section 609a of the FAIR CREDIT REPORTING ACT, INFORMATION REPORTING TO A CONSUMERS CREDIT REPORT MUST BE VALIDATED, BY PROVIDING ORIGINAL WET SIGNATURE SIGNED CONTRACT, WHICH AMERICAN EXPRESS HAS NOT PROVIDIED, STATING THAT I OWE, OR AGREED TO ANY BINDING CONTRACT WITH XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, HAVE NEVER OWNED THE FOLLOWING ACCOUNT : AMERICAN EXPRESSXXXX XXXX XXXX ACOUNT ENDING XXXX XXXX UNDER SECTION 605B OF THE FCRA, FRAUDULENT INFORMATION MUST BE PERMANTENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION, AND ALL UPTATED MUST BE SENT TO THE REQUIRED FURNISHERS OF THIS INFORMATION. I HAVE BEEN DISCRIMATED AGAINST BECAUSE OF FALSE DEBT. I HAVE CONTACTED MY ATTORNEYR REGARDING THIS MATTER AND IF THIS INFORMATION IS NOT DELETED IMMEDIATELY, THIS MAY RESULT IN A LAWSUIT FILED AGAINST ALL PARTIES INVOLVED IN THIS MATTER, INCLUDING EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a NETSPEND prepaid card from XXXX. I called to activate the card and due to after hours I couldnt reach anyone and the card could not be used even though I gave XXXX my XXXX $ and now I have a card with XXXX $ on it I cant use. The company NETSPEND told me they would send me a check and somehow knew the amount, but the card was bad. For some reason Im still waiting for the check in my mail, I dont believe they were NETSPEND XXXX and I believe my phone is hacked cause the same ppl answer all the time. I need an investigator to help me. Ive had identity theft. I call the number in the card and Im always in hold and now the number on the card cant be noticed on the site. Could it be NETSPEND or THE ACT IF HACKING?

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 2022-04-04
Company: EQUIFAX, INC.
State: NC
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 have a hard inquiry on my credit report from XXXX XXXX XXXX. That account is paid in full and suppose to be closed. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: REGIONS FINANCIAL CORPORATION
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 information incorrect

Complaint:
Regions Bank incorrectly reported a 30 day late payment on my credit card. I went to a regions branch and the bank manager opened an investigation. I then received a letter from regions that the information was reported in error and they would update the information with XXXX, XXXX and XXXX. They never did.

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 2023-05-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS  Date Opened : XX/XX/2019 Creditor : INPHYNET XXXX XXXX  Balance Due : {$1000.00} I don't know this collection account.

Company response to consumer: Closed with explanation