BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am sending Nelnet Loan Services this notice to inform you that under my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting VALIDATION of the account.

Please note : I am not requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you.

Please provide the following : 1. Detail of what the money you say I owe is for 2. How the amount you claim owed was calculated 3. Verify that the legal statute of limitations is still in effect 4. Copy of your agreement with the original creditor 5. Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) 6. Provided a copy of any judgment you have received, if applicable 7. Identify the original creditor 8. Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues.

If any negative information is found on my credit file without this account being first validated, I will be forced to contact both the Federal Trade Commission and state agencies and PURSUE LITIGATION for violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. I WILL ALSO FILE SUIT FOR DEFAMATION OF CHARACTER.

Once you have provided me with the above referenced information, I will need at least 30 days to investigate the information you provide. During this time, you MUST CEASE AND DESIST from all collection activities.

If you do not respond within 30 days, the above referenced account must be deleted from my credit files. Please send me evidence of this deletion.

Further, please accept this letter as constructive notice that all future correspondence be handled in writing. All telephone communication must cease immediately, including automated phone calls and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Granite Edvance Corporation
State: MA
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 see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Payment Due date is XX/XX/XXXX I paid off my credit card on XX/XX/XXXX. 

XX/XX/XXXX I was charged interest, XX/XX/XXXX I received a late fee on the interest not paid on XX/XX/XXXX and on XX/XX/XXXX I was charged a minimum charge fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX - Reported balance {$3100.00}, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquires listed below. This inquiries were not authorized by me and I request removal right now. 
XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX XXXX A Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2019-02-18
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four XXXX XXXX XXXX accounts that are reporting incorrectly.

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 2018-05-05
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
It says that I have two Mark 's when I never filed for a credit card and it's for the same thing twice I should not be effected by someone else 's XXXX I'm very upset with this if been trying to get my credit back in order along with my life and this just ruined everything I worked for

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 2021-05-29
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
My bank account was closed on XX/XX/2021 by the bank. They reported it to ChexSystems that there is an outstanding balance of {$440.00}. And reported it as Account Abuse THIS IS INCORRECT!! 
<< My last 2 bank statements at time of closure indicate no balance. 
( {$0.00} balance owed ) >> There has been no documentation that has been presented that shows a balance of - {$440.00}. 

** I DEMAND UNDER FEDERAL LAW THAT CHEXSYSTEMS PROVIDE ME DOCUMENTATION FROM XX/XX/ 2021 -XXXX 2021 ( SAME MONTH OF ACCOUNT CLOSURE ) THAT VERIFIES A BALANCE OF - {$440.00} IS OWED ( THE REPORTED CLAIM TO CHEXSYSTEMS XXXX PLEASE PROVIDE THE FOLLOWING : 1 ). My Bank Account Statement from XXXX 2021 to XX/XX/XXXX  2021 that shows and confirms the balance - {$440.00} that was reported to chexSystem. 

WITHOUT THIS BANK ACCOUNT STATEMENT FROM XXXX 2021- XX/XX/2021 SHOWING THE BALANCE OF - {$440.00} THE AMOUNT THAT WAS REPORTED TO CHEXSYSTEMS THEN THIS CLAIM OF - {$440.00} CAN NOT BE VERIFIED AND NEEDS TO BE REMOVED FROM CHEXSYSTEMS XXXX 

FEDERAL LAW INDICATES THAT THE INFORMATION THAT HAS BEEN REPORTED TO CHEXSYSTEMS MUST BE VERIFIED. 
ALL TRANSACTIONS AND BALANCES ARE DOCUMENTED ON THE CUSTOMERS BANK ACCOUNT STATEMENT THEY RECEIVE EVERY MONTH. 
THE ACCOUNT WAS CLOSED XX/XX/2021 SO TO VERIFY ANY BALANCE OWED WE NEED TO VERIFY THE BANK STATEMENT FOR THIS MONTH. IF CHEXSYSTEMS CAN NOT VERIFY THIS BY BANK STATEMENT FOR THIS MONTH ( XXXX 2021 - XXXX 2021 ) THEN THIS CLAIM IS UNVERIFIED AND NEEDS TO BE REMOVED.

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 2021-05-29
Company: WELLS FARGO & COMPANY
State: TN
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:
On closed accounts, this is the problem I'm having with Wells Fargo as a credit card company there trying to shut down the means of complaining after I shut down the credit card. I believe this techniques is being passed on to other banks, the problem with this is they can send the derogatory information instantly to my credit report and to me personally through the mail an email. And then they will accuse me of not caring about, and being slothful towards account. I've been using email to respond to them immediately when they do something wrong. I believe that is illegal I need answers to this this question if I need to go legal route I will.

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 2021-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have executed and filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days plus and I haven't received any investigation results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

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 2018-05-05
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in connection with complaint # XXXX. I have since received paperwork from Ocwen and XXXX Bank that they are trying to foreclose on my house at XXXX XXXX XXXX XXXX XXXX In. The last time I had spoken with XXXX XXXX in Ocwen 's Ombudsman Office, she had said that she was going to check with her superiors to find out what could be done about the {$1300.00} they were saying that I had to come up with before they would start a NEW modification on my mortgage. I was never told or warned about any foreclosure until I got home from work XX/XX/XXXX and found the paperwork! There is also an open case against Ocwen since XX/XX/XXXXof XX/XX/XXXX that I would like to be a part of. Once my case is looked into further, you will find that I qualify and could help the case. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : INFORMATION SEARCHIN Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Around XX/XX/2020 Goldman XXXX Bank ( GS Bank ) detected fraudulent activity on my savings acct. On XX/XX/2020 I was sent the attached notice that the funds subject to the fraud had been recovered. Since then I have attempted to access my account but am told by GS Bank that the account is locked. 

On XX/XX/2020, I sent GS Bank the attached letter requesting that my account be closed and a check along with an accounting be sent to me. Since XX/XX/2020, GS Bank has called me twice - I returned each call and each time was on hold for an extended period of time. The first time I was told the check and accounting were on the way. The second time after holding for quite a while I was told that they would call me back.. they never did. 

It has been over 4 months and I can not access or get an accounting of my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from XXXX XXXX XXXX dated XX/XX/18 saying there is a charge for missing key when I never received any letter. 
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with XXXX XXXX I went  personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager. 

Also I contacted XXXX XXXX dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person. 
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with XXXX XXXX or XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable. 
I am very concern about any negative mark on my personal credit report. 
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks

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 2020-10-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
i got a car from XXXX XXXX  and the whole time i paid my payment on time and then i have came very very sick i had got XXXX in my XXXX i was out off work and still out of work and was paying my payments what was left in my checking acount ... So one day i wake up to go to the docter my car was repoed i call XXXX about it they say i was 3 months behind i said how and they would not tell me nothing so a month later experian had it on my credit was so many late dates 120 30 60 day lates still t this day i dont know whats going on but i did research on credit company they have to follow the law XXXX  AND XXXX  has remove the item but experian will not i know its a law in the book says if one credit company remove a item the other 2 should do the same but i disputed this item was experian to many times and comes back verfiled and still dont tell me the FACTS so today i want the cfpb step in and help me to get this account remove or fix all late dates remove asap the account number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Nelnet, Inc.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX : XXXX : XXXX XXXX : XXXX NELNET : XXXX : XX/XX/XXXX : XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These companies above reported late payments to my credit report. Review below " IN ACCORDIANCE WITH THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES A C0NSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPENEND CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
NO information given. Accounts unknown. It's been 3-4 months and no sign of investigation. Accounts violate multiple laws including 15 USC Law 1692 ( e ) ( f ) ( g ) and 1681 ( a ). I was never notified of these debts and never authorized or given permission to report.

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 2020-10-12
Company: COLLECTECH DIVERSIFIED, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. 
They did not send me proper verification ( I ATTACHED THEIR " VERIFICATION '' ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. 


I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2021-07-16
Company: JPMORGAN CHASE & CO.
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:
My Ex-Husband opened this account, and I did not sign any contract or documents condoning my approval as Joint on that card. I was never issued a card, back in XXXX I contacted Chase to have me removed but they said I was responsible for this account. I requested proof of my signature but they never provided it. In XXXX, I sent and spoke with their representative to again be taken off the account. They asked questions that I did not know because I never had a card and my ex-husband had been divorced for 8 years. This account is closed but has a balance that is affecting my credit score and has been. I should not be in this account after providing divorce proof and no cards issued to me even after the divorce. I am stuck with this situation, because I was told it says closed on my report but open on his with a 3K plus balance, I closed the account because I did not want him to charge anything else and it seems they opened it back for him. They should have made him transfer that balance to another card or pay it off. I am not responsible for this spending. This account was open I guess in XXXX and I was on XXXX. Please resolve this matter, thank you.

Company response to consumer: Closed with explanation