BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: Nelnet, Inc.
State: NC
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:
The reason for this complaint is XXXX XXXX is using shady and deceitful practices to get me to pay more money then what is owned for XXXX online classes from a third-tier college. Online XXXX tuition is {$390.00} per credit hour. XXXX coaxed me into getting a loan that I didnt need, I received Pell funding and also financial assistance from VA since my husband is a XXXX Veteran. They assured me that this was common practice to get into their school. I was working towards my XXXX XXXX XXXX. I started taking classes and I notice that I couldnt access my financial disbursements, Pell information, class cost, and other expenses. I was getting letters from Great Lakes and XXXX XXXX stating that I owe money for a loan that I have NOT received funds from Great Lakes, and I never got a billing statement from XXXX. I contact the financial aid office and spoke to XXXX XXXX ( Associate Director of Student Financial Service ), I asked for an itemized bill for my school expenses and I couldnt get a clear and concise answer other than the computer system will be updated. XXXX has since updated its computer system and it still seems to be antiquated. Weeks went by and I called Financial Aid office again and spoke to XXXX XXXX ( Director of Student Financial Services ), he assured me that things would get rectified soon, and I left messages that he never returned. Im confused about the lack of transparency and misleading information that I received from XXXX ; I decided to drop my classes and withdrew from the school. I contacted Great Lakes to no avail they informed me that XXXX is in control of the monies when it is released from them. On Great Lakes website it states that I currently owe {$1000.00} and I owe XXXX {$470.00}. How do I owe this money? I need someone to help me decipher thorough this enormous amount of documentation which is meant to bombarded and perplex me into overpaying XXXX XXXX. Montreat/Great Lakes should be audited for its predator lending practices. 


Here is what I know : Documents are attached As of today XXXX sent me a check for {$3700.00} ( XX/XX/2020 ) and {$260.00} ( XX/XX/2020 ) = {$3900.00} Ive paid XXXX {$1700.00} ( XX/XX/2020 ) and {$1900.00} ( XX/XX/2020 ) = {$3600.00} Great Lakes said I owe- {$1000.00} My Military Discount- {$260.00} Pell Grant Payment- {$770.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$3500.00}

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 2020-08-31
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2017-08-01
Company: Delta Management Associates, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I originally borrowed approx {$8500.00} through a loan process ( they report it was closer to {$10000.00} ) for my son about 10 years ago for his first year as a XXXX at XXXX.. Did n't have to pay back until he graduated. He dropped out instead. I paid for several years but after a series of misfortunes, moving out of state for a better job, going through a separation, losing my job ( company closed ) then losing my XXXX yo daughter, I let the loan lapse. It has been bought or sold or changed hands to other loan companies ( XXXX for one ) and now they say the loan is approx {$25000.00}.
They made a deal with me last year if I would pay $ XXXX/mo for 9 mos we could get it out of default status. I agreed. But did n't agree with the total owed and indicated that on the form before I signed. They are now saying it did n't count because I wrote on the form. They want to try that again but I MUST agree to the amount they say is due. I know once I sign the agreement I WILL owe that amount ; I 'm afraid then it can be proven then that I do owe that amount and agree to it. I do n't want to do that.
Now I 'm told their next step is to garnishee my wages. I am tired of this and want clear unbiased options and want to know what my rights are in regard to this- its been a nightmare and I need objective viewpoints and direction.

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 2017-08-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX XXXX ( EST ) XX/XX/XXXXI received the response to my previous complaint XXXX Paypal Holdings engaged in partially releasing my payment held by them. As I tried to add my bank to withdraw the remaining held payment $ XXXX- their online system refused to let me do the needful.
XXXX XXXX ( EST ) Then I called Paypal and spoke to their representative XXXX who stated that I wo n't be able to withdraw funds before XXXX XXXX 2017.
Once again this is misleading and reprehensible information. They did release {$630.00} but they are obstructing me again for the remaining amount. The total amount according to my original complaint was {$1000.00}. 23 They chose to ignore my complete relief and continued to violate my rights as finance consumer.
I think it 's time CFPB must engage in a collective effort to discard such practices permanently from the US finance market.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: Commonwealth Financial Systems, 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:
XX/XX/XXXX-XXXX, XXXX- informed them that this was incorrect. plus showing XX/XX/XXXX when in fact it should be XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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 {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

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

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

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

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

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

7. XXXX XXXX & XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

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

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -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 2018-03-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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:
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask NMAC ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that these 2 unauthorized inquiries that are associated with NMAC ( Nissan Motor Acceptance Corporation ) are still currently reporting on my XXXX credit file. Moreover, on XX/XX/XXXX, NMAC has sent me a written letter in which they responded to my CFPB complaint. This NMAC letter, which is also uploaded into this CFPB complaint file, has shown that NMAC is unwilling to take the appropriate actions that are necessary to promptly resolve my recent CFPB complaint. This letter has also shown that NMAC has ultimately decided to NOT take any responsibility for their improper actions and has therefore chosen to dishonestly place the blame on an " unknown '' or " phantom '' Nissan dealership yet my credit report clearly shows that this NMAC organization is the " only '' agency that is fraudulently reporting 2 inquiries on my credit file which are on the 2 dates of  XX/XX/XXXX and XX/XX/XXXX. Ultimately, an uploaded copy of my XXXX credit report will corroborate this fact and it will also show that NMAC is " complicit '' in their corrupt and unlawful tampering of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Personal information incorrect

Complaint:
Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also XXXX is reporting a name that has never been associated with me nor is it my name. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX- XXXXXXXX XXXX XXXX IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: EQUIFAX, INC.
State: VA
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:
Overview You're currently using 101 % of your account 's limit. 
Balance {$13000.00} Credit limit {$13000.00} This showed up on my credit history and I have no idea what it is and where it came from. Because of this my credit score dropped by 75 points and I have no idea what to do to fix it. 

Account Details Account status OPEN Type Flexible Spending Credit Card Responsibility Authorized User Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX/XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: EQUIFAX, INC.
State: CA
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:
Equifax took six weeks to notify the public after finding out about the breach. Even then, the site that Equifax set up in response to address questions and offer free This is the THIRD BREACH AND SECOND TIME EQUIFAX has raised the number of consumers affected since it first reported the hack.incomplete, confusing and contradictory statements, '' and failed to answer the " precise extent of the breach. '' with no cure of the problem. 

EQUIFAX maintained a separate Database for the Product the PII that was compromised. That Database had different Protocols, different Security, and was not maintained as the Database for Clients and Employees. 

The Consumer Database had no remediation plan and YET THE EQUIFAX CUSTOMER DATABASE HAS UPDATED AND A SECURE PORTAL. EQUIFAX WAS GROSSLY NEGLIGENT AND THEY SHOW A GROSS VIOLATIONS OF COMMON SENSE AS WELL AS A GENERAL DISREGARD FOR CONSUMERS. 

I HAVE EXPERIENCED SEVERAL ID THEFT AND ID THEFT ACTIVITY CONCERNS ON MY CREDIT REPORTS, INCLUDING WITH EQUIFAX WHO REFUSES TO REMOVE THE ERRORS OR ISSUES. 

IRS SCAMS AND FEDERAL RESERVE BOARD SCAMS A CLOSED XXXX XXXX   ACCOUNT DUE TO THIS, IMPACT ON MY CREDIT RATING AND DENIAL OF CREDIT. NO REMEDIATION WITH ALL THE WORK LEFT TO THE CONSUMER TO SCRAMBLE REPORTS, PHONE CALLS, FAXES, CERTIFIED MAIL LETTERS. THEN TO REPEAT TO FOLLOW UP AGAIN TO ASSURE A CHANGE " MIGHT '' BE MADE IT IS CONTINUOUS AND SATURATED INTO EVERY PART OF A CONSUMER 'S LIFE. 

THERE IS SHAME, GUILT AND STRESS, ANXIETY, AGGRAVATION A GENERAL NEVER ENDING EMOTIONAL ROLLERCOASTER OF DUE DILIGENCE FOREVER. THE HARM IS ENDLESS AND COSTLY WITH NO COMPENSATION FOR MY TIME FROM EQUIFAX WHO CAUSED THE PROBLEM. NO PENALTY FROM THE CFPB OR OTHER AGENCIES. EQUIFAX STATES '' FRAUD IS A HUGE GROWTH OPPORTUNITY FOR EQUIFAX '' SO GENERAL GREED AND PROFIT WITHOUT CONSEQUENCES. EQUIFAX DID NOT SPEND MONEY OR TIME ON THE CONSUMER DATABASE DUE TO COST AND SHARED UNENCRYPTED XXXX SHEETS OF CONSUMER INFORMATION, A TOTAL DISREGARD AND ABANDONMENT OF ANY RESPONSIBILITY. DO YOU HAVE MY CONSENT TO USE MY PI INFORMATION? NO. THEREFORE YOU ARE INCREASINGLY MORE RESPONSIBLE TO SETTLE THE HARM THAT WAS CAUSED WITH A FINANCIAL CURE. THE COST OF DOING BUSINESS IS A TWO WAY CONCEPT AND THE DAMAGE SHOULD BE SHARED. THERE IS NO EVIDENCE BASED DEFENSE EQUIFAX CAN PROVIDE AS THEY ARE GUILTY OF CRIMINAL BEHAVIOR, GREED, CORRUPTION. A DISREGARD OF THE SEC GUIDELINES, LYING TO THEIR SHAREHOLDERS, THE SENATE AND OTHER AGENCIES. THE CONSUMERS ARE NOT ON THE LIST DUE TO THE RESPONSE AND CONSIDERATION " NOT '' PROVIDED TO CURE OR MAKE WHOLE THE INDIVIDUAL. THE ENUMERATED FEDERAL CONSTITUTIONAL LAWS THAT WERE VIOLATED INCLUDE THE RIGHT TO SELF DEFENSE, THE RIGHT TO EQUAL PROTECTION, THE RIGHT TO PRIVACY ALL PREVENTED BY EQUIFAX " ACT OF TRUTHINESS ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Having recently moved back to the United States, I decied to check my credit reports as I had been out of the country for almost 2 years. While it's in the 700 's, I do have 3 collection accounts which I am trying to resolve.

I called ERC to discuss what the account was for and why the dates on my report are wrong as I had not even been in the US for 2 years. After researching how to respond in writing for verification and

possible settlement, they did not respond in writing within the 15-30 days of me sending a certified letter. I did receive the returned receipt which was signed. Also, I learned that ERC has had 100 's of complaints about how they do not respond in writing, try to get bank account information over the phone, report an old or non-existant debt and then when settled or even paid in full, they do not take it off your credit report. I found out that even if you pay the original creditor in full that ERC will still try to collect and file negative reports to the credit bureau. This leaves me with no desire to pay them anything as it will have slim to no chance of improving my score. Honestly, with all the complaints that have been published, how they are not shut down is a complete mystery to me and many others??? They are obviously in violation of many rules that were created to protect the consumers from the situations I have described. It seems that we have no recourse even if we follow every step reccommended by the CFPB. Please advise if you have anything new to deal with these unfair and unlawful tactics. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Security Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After pulling copies of my credit reports from XXXX, XXXX, and XXXX, I discovered a collection account from Security Credit Services listed on each of the reports. I sent a letter to Security Credit Services and requested validation of this debt in XX/XX/2018. The agency responded by sending a lease agreement ( attached ) that contains information similar to mine, but not my information. My name on the documents are spelled incorrectly. My last name is XXXX, the lease has it listed as XXXX. Also, the telephone number and email address listed on the lease do not belong to me. Also, there is no signature or SSN on any of the documents provided. I have not leased any jewelry from XXXX , XXXX as the documents provided by Security Credit Services claims.This lease does not belong to me, and should not be on my credit reports and is causing me considerable financial harm. 
After contacting Security Credit Services by phone and expressing that this account is not mine, and pointing out that the information in the lease does not match my own, I was informed that I would need to provide them with a police report and a notarized affidavit in order for the item to be investigated and removed from my 3 credit reports. I feel that this is unreasonable, and that the debt should be removed immediately as they have failed to provide any proof that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I had a XXXX XXXX XXXX account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with XXXX XXXX XXXX. XXXX  XXXX XXXX updated the balance to paid with a XXXX balance on XXXX and XXXX. Equifax did not update the balance to reflect this change so I sent a dispute to Equifax. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
i have a old charter XXXX on my credit tan should been off old banks want let me open account new even get a line of credit old i have theXXXX XXXX  XXXX  XXXX old paydays loans past 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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:
I am writing to delete the information in my file. The items i need deleted 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 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 Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation