BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Nelnet, Inc.
State: AZ
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:
XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX  of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : Nelnet Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account XXXX XXXX XXXX - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies by not XXXX XXXX never authorized permission to report XXXX XXXX XXXX XXXX XXXX ( 2 ) - not late on account - payment history incorrect - never authorized permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Trans Union is submitting that a couple of my accounts " meet FCRA. '' This is not possible as they reported it before they sent me validation of my dispute. Per FCRA they can not report a debt before it is validated is my understanding. I have a credit report from TU on XX/XX/XXXX so I know what it said before TU received my validation of debt letter. I would also like to say that TU Credit Monitoring website informed me that XXXX reported that XXXX XXXX   updated my credit report on XXXX. This is very deceptive as you will see in the screen captures of credit reports that XXXX has not and that my disputes with XXXX are still under investigation. XXXX received my dispute on XX/XX/XXXX but to my knowledge the said accounts from XXXX and XXXX XXXX XXXX are in dispute not renewed. It seems that Trans Union has reported that these accounts meet FCRA because of this. I will include screen shots from TU Credit Monitoring.

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 2018-03-21
Company: Experian Information Solutions Inc.
State: TX
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 didnt authorize XXXX XXXX credit bureau unit to pull my credit files

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 2022-08-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about XX/XX/2022, someone who stole my identify applied for credit with Wells Fargo. 

I received a letter in the mail from Wells Fargo denying the application, but I have a hard inquiry on my reports now and also a denial of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Back in XX/XX/XXXX, I contact Barclays credit card bank and I was asking them to please forgive me a late payment I did back in XX/XX/XXXX, I didnt receive a reply back from them, I did finished making all my payments and I even paid off the account. the account was close during the time I was as making my payments, I did ask the bank to close the account for me and I will responsible to make payment which I did and now the account is paid in full.

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 2018-08-29
Company: NAVY FEDERAL CREDIT UNION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Navy Federal Credit Union denied a fraud claim on our account. The charge was absolutely fraudulent. My husband 's card number was stolen ( along with 2 of his other bank cards ) and was left without any cards to use during a business trip. My husband had more than enough money on his card to cover the said charge, but it was not ours, so we submitted a claim. The amount of the charge was for XXXX from " XXXX '' in XXXX. This occurred on XX/XX/2018, and the claim was denied on XX/XX/XXXX. Navy Federal is not being helpful in this matter at all, and is refusing to make things right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have submitted several disputes to the 3 major credit bureaus ( Experian, XXXX, and XXXX ), as  well as the secondary company XXXX. I know that under the FCRA, they are to properly and thoroughly investigate any and all disputes. I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX records on XX/XX/2019. 

Experian has sent me a letter marked XX/XX/2019, AFTER XXXX ' letter, stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I was again informed on XX/XX/XXXX, after another dispute, that they have verified this erroneous bankruptcy. 

I currently have a CFPB dispute against XXXX and XXXX for the same reason. Experian clearly states on their website that they use XXXX to verify public records. So if XXXX did not and could not verify this account, how did Experian verify it if they use XXXX? This is a clear and present violation of my FCRA rights, and this shows that Experian did not properly and thoroughly investigate and verify the disputed account in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: MRS BPO, LLC
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. I am a victim of false & inaccurate reporting. I have disputed many times & they continue to verify accounts that dont belong to me. XXXX is the only reporting agency who seen I was being taking advantage of and deleted all accounts in my dispute. So if XXXX couldnt verify these same accounts, I will like to be supplied with the investigation process XXXX and XXXX used to verify these accounts. They've furnished 3 accounts that dont belong to me on my report with out proper investigation. Two of which states that I have a collection account with XXXX XXXX  and XXXX XXXX  doesn't own that debt! So those accounts need to be removed immediately because its entirely false. And a XXXX XXXX XXXXXXXX account that I will need proof for as well. I will attach below.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX : XXXX : EXPERIAN The heck is going on. Ive contacted you guys time and time again since XX/XX/XXXX. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX. REMOVE THE LISTED FRAUDULENT ACCOUNT WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. I am unaware of what this is and Ive mentioned that within the past few months. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNT LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.

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 2019-05-20
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Made several attempts to fix this situation. SW Credit Systems continue to place an derogatory remarks on credit report. I have no idea where this debt occurred. Made several attempts to request contracts and company failed to comply within 30 days according FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As the records show within each government agency where I filed each of my complaints about the violations and/or crimes subjected against me by Wells Fargo Bank N.A and after I made all those Reports Wells Fargo Bank N.A again retaliated against me by direct threat and/or intimidation in retaliation for complaining to the CFPB and other government agencies. I believe Wells Fargo Bank N.A continuous retaliation against me is in violation of the CFPA and other applicable laws. I would like full investigation of my case which is also a human rights case against a consumer and a constituent. Wells Fargo Bank N.A fraud,  corruption, threats and other adverse actions will not silence me and if anything to happen to my freedom, safety and life Wells Fargo Bank and its involved agents, executive and/or employees must be prosecuted and held fully legally and criminally responsible. All stated herein is to my current states knowledge, belief and understanding and it is subject to anything or any correction by me or my legal representative at anytime without prior notice and without waiving 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 2020-11-12
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I took out full insurance coverage on my property and informed SWBC that I was fully covered, provided them written proof ( uploaded and physical documents sent directly to their stated address by my insurance carrier ) and instructed them to immediately stop taking out money toward my homeowners insurance as it was pre-paid in full for a year. 

In spite of repeated attempts to contact them over the next several months, both by me personally as well as my insurance carrier, SWBC continued to charge my account for insurance coverage that I was already carrying and for which I had directly pre-paid ( to GUARD ). 

At some point in the earlier part of 2020 SWBC finally stopped doing this, after at least five attempts by me through the company 's online customer service portals and appropriate channels to get them to stop. 

I don't know how much SWBC collected from me between XX/XX/XXXX and today to cover homeowners insurance -- I am unable to discern those exact figures in any of my statements from SWBC. I do know that SWBC continued to charge me for insurance for several months even after I informed them repeatedly to stop. I have been trying to get an accounting of that money and have it refunded to me and have met with nothing ( my most recent attempt was in early XX/XX/XXXX ) and my complaints have all been automatically re-routed to an automated AI/robot system that is not understanding the issue, most recently on XX/XX/XXXX. Additionally, the website login for SWBC is only intermittently available, so it takes repeated login attempts throughout the day to get into my account with my valid password and username. The time it has has taken me over the past many months is unacceptable. This kind of behavior by SWBC is a form racketeering and theft. They have taken my money, refuse to account for it, and do not respond to repeated requests for clarity and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: SECURITY FINANCE CORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I went to XXXX XXXX XXXX and closed a loan with them on XX/XX/2018 to pay off several very high interest loans. One of the loans was with Security Finance in XXXX, MO, where I live. XXXX XXXX XXXX overnighted via FedEx they payoff amount, ( It was a little over a {$1000.00} ) on XX/XX/2018 and they ( XXXX ) show on their internal accounting that the check was cashed on XX/XX/2018. Unfortunately due to XXXX ( XXXX XXXX XXXX  ) policy they can not provide me that accounting statement reflecting Security Finance cashing/depositing the check on Thursday XX/XX/2018. Security Finance says they received and posted the check on the following Tuesday XX/XX/2018, which caused there to be a 30 day late added to my credit report on that account when in fact XXXX has proof ( that they just cant give me for company policy ) they received and cashed the check on Thursday XX/XX/2018. Basically they assessed a 30 day late payment erroneously assesed to my account for reasons unbeknownst 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 2021-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX XXXX representing XXXX XXXX XXXX pursued and obtained a judgment against me and my husband. This company has documentation showing my husband is currently serving on active duty and they still pursued the judgment. This is in violation of the XXXX. I was not able to obtain employment after our last change of duty station and that is why the account fell behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase, for the last 4 months, continues to conveniently " Lose '' payments and not apply my payments on time. My online payment company said they do not know WHY they are doing this as they have called them multiple times to correct the dates. I am accruing incorrect interest on an incorrect balance and now they are hitting me with late fees. 

The bill paying company I use, XXXX, called them stating they are sending payment within 10 days of payment due date, as they have been for the last 19 years. Why are they now losing payments and charging this customer ( me ) late fees and not adjusting her balance accordingly, as well as her interest? 

I have paid them, as of XX/XX/XXXX, {$3500.00} and they have NOT adjusted my balance due ( see attached image ) ... but they have added a late fee to my account for a payment they should have posted XX/XX/XXXX ( my grace period date ). The payments date they show are NOT THE CORRECT PAYMENT RECEIVED DATES. They are making my payments LATE. Should be NO reason it takes them 2-3 weeks to BOOK my payments!! I paid {$570.00} on XXXX ( sent out 2 weeks before by XXXX XXXX XXXX ), I paid {$500.00} on XXXX ( sent out 2 weeks before by XXXXXXXX XXXX XXXX ), I paid {$2500.00} on XX/XX/XXXX ( sent out 2 weeks before by XXXXXXXX XXXX XXXX ). XXXX has ALWAYS sent payments 2 weeks before and for 19 years, these reflected on the DUE DATE. NOW, they aren't and I'm getting hit with late fees and incorrect interest applied. 

This is insane!! I need assistance to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted TransUnion making them aware that I have incorrect information on my credit report. I sent them many notices via certified mail proving these items on my report are inaccurate and still no response

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 2018-08-29
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt was removed from Credit Report on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.XXXX XXXX XXXX keeps reaging debt and refuses to send validation as requested in writing. They are in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). They are required to notify me of the reinsertion in writing within 5 business days since debt has been deleted from my consumer file on several dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Regional Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Getting repeated/frequent calls from XXXX number. Finally answered today. A lady stating she was from RCS in XXXX Ohio asked if I was " my name '' and I told her yes. Then she wanted me to verify my address and wanted to verify my date of birth. All she would tell me is she was from RCS in XXXX. Kept pressuring me for the information. I told her I don't give out personal info on phone to strangers. She kept insisting and wouldn't tell me what it was concerning. I told her to try someone else and hung up. I searched RCS in XXXX and found a Regional Collection Services in XXXX Ohio. Since I am not past due on anything I owe I am not concerned and thought I should submit this. Thank you.

Company response to consumer: Closed with explanation