BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from XXXX  on XX/XX/XXXX that an account has been flagged negatively on my credit report called Nationwide Recovery Sy. I have never heard of this company nor has this company sent me any information or reached out to me about this alleged debt but yet in still felt the need to report negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of 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 2022-03-03
Company: WELLS FARGO & COMPANY
State: NC
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:
Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.

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 2022-03-03
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Nelnet, Inc.
State: MO
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 writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ NELNET {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ NELNET {$2000.00} XX/XX/XXXX (  4 yrs, 6 mos ) XXXX XXXX/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ NELNET {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ NELNET {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ NELNET {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against The Dept of Education/ Nelnet as well as the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: WI
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: LA
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:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2019-06-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello To Whom It May Concern, I hope all is well. 

I am currently paying off my Navient student loan. I am having issues paying it off due to my other bills and responsibilities. They will not lower it or work with me. 

Please help!!!! 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
in late XXXX I mailed a check to my mortgage company. It was stolen out of the mailbox or out of the mail service. About XX/XX/XXXX, someone attempted to cash a modified version of the check. BofA and I closed the checking account and opened a new one. 
On XX/XX/XXXX I visited the local bank because my SS was deposited in the old account. We transfered the money to my new account. I have printout that shows I had a balance of {$5900.00} that morning. Sometime that morning B of A froze my account because of " suspicious activity ''. I was left with {$4.00} in my pocket and online automatic payments scheduled. I suffered {$140.00} in penalties in NSF charges because of their actions. 
The suspicious activity was a $ XXXX.+ check that my business partner attempted to deposit in my account. The check was drawn on a bank in Missouri and made out in her name. She modified the check, which made it an improper instrument, not an illegal one. The bank had every right to refuse to process the check. 
B of A made no attempt to notify me of the issue and capriciously and arbitrarily close the account. 
I received a statement XX/XX/XXXX that evidently is my closing statement. It shows on page 1 of 6 in the  summary an amount of {$8400.00} as other subtractions. This is broken down on page 4 of 6, It shows an item RETURN ITEM CHARGEBACK {$2000.00} and another item as ACCOUNT CLOSING TRANSACTION {$4300.00}. 
B of A does furnish an explanation of these charges. I find it difficult to believe that I can be charged {$6300.00} to close an account. I would appreciate an explanation why my money can not be returned 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 explanation
Consumer complaint received 2019-04-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Experian per phone call on XX/XX/19, approx XXXX in reference to their response letter received per my dispute back in XXXX. The rep ( XXXX ) that I had spoken with stated that Experian does not investigate disputes, they just will submit info back to the US Bankruptcy Court in this case, to verity the account. I've stated to this rep that I have already disputed the verification and they have just came back with the account was verified. I explained my last dispute was asking what their Method of Verification is per FCRA Section 611, 6, A & B. As a Consumer, I have the right to request this and as well to receive this information per the Federal Credit Reporting Act as stated above. The rep has still declined to give me the information on their Method of Verification but I explained in detail what this is referring back to Section 611, ( B ), ( iii ). I had also referred back to my dispute letter that I had sent to them back on XX/XX/19. 
I had explained that I have the right to know their method of verification and stated that Experian is just going in circles around this. I am uploading a copy of Experian 's response letter that is clearly just questioning me and asking me to write them listing the items included in the bankruptcy or send them a schedule of this. This again is not the proper answer to what I'm disputing and now this rep has put in yet another dispute which is the same dispute I had mailed them back on. Per the FCRA, this credit agency is past due time in providing me information to my dispute and should remove this item from my credit report as they did not furnish the information to me. 
This is also to be added to this complaint. After questioning this rep several times on the same questions, the answers changed several times. In the last reply when I asked who they spoke with on this account and who verified it, she stated they spoke with the US Bankruptcy Court this time. I stated that I personally spoke with the US Bankruptcy Court of XXXX myself and they told me they do not furnish the credit agencies with information or verification. 

This Credit Reporting Agency ( Experian ) is in violation of this Act. They have not conducted a thorough investigation and did not supply me with the Furnishers information. There response letter again will be attached to show this information is not attached within as required by FCRA. I left the conversation stating I was going to file a complaint with CFPB as well with the State Attorney General 's office.

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 2017-11-13
Company: Experian Information Solutions 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:
I have submitted several written requests to Experian Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.

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 2019-08-04
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Entered into XXXX promotion to open a new checking/savings account with Citibank inXX/XX/XXXXXX/XX/XXXX The bonus entailed XXXX for depositing XXXX and maintaining for 60 days, as well as XXXX for completing one qualifying direct deposit each month for two consecutive months within 60 days of account opening. The bonuses should have posted 90 days after completing the requirements. I received the XXXX in XX/XX/XXXX I still am not in receipt of the XXXX. I had a direct deposit post on XX/XX/XXXXand another XX/XX/XXXX, so did complete the requirements. The Citi representatives that I've spoken with have confirmed I've met the requirements but have been unable to assist 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 2020-02-16
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: Information belongs to someone else

Complaint:
Incorrect information is listed

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 2020-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I never missed a payment

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 2020-02-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened My American Express XXXX Surpass Card ending in XXXX on XX/XX/XXXX with a promotional offer of XXXX XXXX XXXX  points and one Free Night Certificate after {$4000.00} of qualifying spending ( image # 1 ). However during the first few weeks after completion of said requirement, I did not receive the bonus and a representative told me that system showed I did not reach {$4000.00}. They would later correct that I have " met the spending on XX/XX/XXXX '' and all it takes is for the 8-12 week to pass per terms and conditions. However that 12 weeks expired on XX/XX/XXXX and no bonus has showed up yet. 

I subsequently opened a case ( # XXXX ) with American Express on XX/XX/XXXX through online chat. They concluded their investigation on XX/XX/XXXX stating three of my transactions were person to person transactions and thus does not qualify me. That is fundamentally wrong because they were, processed through XXXX, a payment solution company, tuition payment to XXXX  XXXX XXXX XXXX and rent payment to XXXX XXXX XXXX, a property management company. None of them is remotely " person to person ''. This is easily evident in the statements and activities summary downloaded from Amex Website ( see below or pdf attached for complete description ). I have the transaction records from XXXX XXXX  XXXX XXXX XXXX or processing company if needed as well. 

I was not informed of this ( incorrect ) ruling through any of the mail address, emails of phones I have on record with Amex. This result only came to my knowledge when I asked about it today of XX/XX/XXXX. 

Three transactions claimed to not qualify : XX/XX/XXXX XXXX-TAX   https : XXXX {$1900.00} XX/XX/XXXX XXXX-RENT https : XXXX {$620.00} XX/XX/XXXX XXXX-TAX https : XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 I paid XXXX {$29.00} for cellphone service. The personnel failed to activate the cellphone. I called the store but I received no response. I submitted a complaint ( XXXX ) to the bank, Paypal.com ( netspend ). I received no response for quite a while so on XX/XX/2021 I requested a status update. On XX/XX/2021 Paypal responded that my issue was not considered an error pursuant to Regulation E. Today I accessed https : //www.consumer.ftc.gov/articles/0219-disputing-credit-card-charges and that website states that " The FCBA settlement procedures apply only to disputes about " billing errors. '' For example : charges for goods and services you didn't accept or that weren't delivered as agreed " I then decided to file this complaint. The name and address of the merchant is : XXXX XXXX XXXX XXXX XXXX Posted on XX/XX/2021 at XXXX XXXX  Debit : PIN purchase from XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ US Card ending in XXXX - {$29.00}

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
Consumer complaint received 2020-02-16
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 fraud alerts or security freezes

Complaint:
I tried to unfreeze my credit report so I could get a car loan. I was able to unfreeze my report with XXXX  and XXXX  instantly by following standard procedures. When I tried to unfreeze my report with Experian, the website was throwing strange errors. For example when it asked for pin, i entered the pin and it threw an error saying the pin can only contain numeric characters. So i cleared the field and entered a shorter number like XXXX to see if i got the same error and again. The same error about only entering numeric characters was thrown. So i tried to submit without my pin and it said the address input format was wrong ... .but didn't say what was wrong with it. By trial and error i figured out it didn't want a comma after the street even though it wanted street, city state and zip all in the same box. 

After submitting, it said the information could not be verified and i needed to mail a letter to a PO Box in TX with enough personal information to make identity theft easy for anybody that found or intercepted that envelope. So i tried again and got the same error. Next I tried to verify my pin by using their system to retrieve my pin ( which requires me to have to answer personally identifiable information to verify who I am ). When the site showed me my pin, I was able to confirm I had the correct pin already. So I tried again to unlock my report with my pin and got the same error message saying i had to mail personal information. I logged out and back in and the website said my credit report was not frozen anymore! 

So i called the bank and asked them to try again and they said they still were getting a message that my experian report was frozen. I called experian and the automated system said my report was still frozen despite now the website says my report is not frozen ( i have screenshots ). 

I called the customer service number and tried all the available prompts to try and get help. They all lead to a automated recording and no option gets to customer support. I also tried calling during Sat - Sun : XXXX XXXX  - XXXX XXXX  PT ( Sunday at XXXX EST ) and only got options to talk to a robot and no automated options to help me. 

They have effectively taken my credit hostage. My credit score is XXXX ( verifiable by the experian website ) and they are not providing a reasonable way for me to unlock my credit score in the middle of a loan application despite having the right username and password to login, the right phone number to receive the code confirmation on first login, and having the correct consumer pin.

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