BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023 I made a loan payment on Nelnet 's website for {$8700.00}. I have checked back to make sure the payment went through and on their website it says " Payment received on XX/XX/2023. '' However, my payment was never taken out of my bank account and I confirmed this with my bank and the interest on my loan is still accruing on Nelnet 's website even though it says the payment went through and I also received an email confirmation stating the amount that was paid and that within XXXX the payment should go through. I can provide screenshots of the webpage that my loan should be fully paid off. I tried contacting the company via phone and was told the wait time would only be about 11 minutes around XXXX when I called. I was on hold with the company for 2 hours and was still waiting to speak with someone. I also sent them an email as well and have yet to hear back from them. This is a serious issue because interest keeps rapidly accruing on my account and my payments aren't going through and I have the money in my bank account to make said payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: SC
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:
While traveling with my wife we lost one of bags. The bag had both mine and my wifes wallets in there. After several hours of calling around I was able to cancel all my cards and order new forms of id. About a year and a half later my wife and I both started receiving calls from debt collectors and solicitation calls so we got alarmed and wanted to find out what was going on. We ordered a copy of our credit report and were shocked to see so many accounts that we have never had nor heard of. This is 100 percent identity fraud. Also we had accounts with XXXX and had our information put at serious risk in the XXXX data breach!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo charged me XXXX XXXX dollars over a 10 year period in false overdraft and no sufficient funds fees. I had finally had enough of their false and double charging my account in XXXX or XXXX and closed my account. They tried to send me a check for XXXX dollars which was far, far less than than what I was owed. I called them requesting they reevaluate what they owed me. I left message after message and they never returned my call or sent the information. I tried to update them with a new address thinking maybe they'd attempted to contact me and didn't have the right address on file but they never got back to me. This amount is maybe in the XXXX of XXXX  of dollars. I need to see my bank records and I need to update my address with them and then receive a that money back.

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 2023-01-04
Company: CITIBANK, N.A.
State: OK
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:
In XXXX I closed a Best Buy Citibank account that was inactive for years. 

In XX/XX/XXXX, I recieved a bill in the mail for {$XXXX}. I immediately contacted CitiBank and told them that I did not open this account, and the charges on it were fraudulent. 

The email and address used for the new card are not my email, and it is an address I had not lived at for months. 

After their investigation, they said I was still responsible for the charges because it was purchased at a store " Within driving distance ''. 

XXXX  times I have requested another investigation, and they have opened/closed with the same results.

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 2017-11-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an American Express Starwood Preferred Business Card in late XX/XX/XXXX due to the enticing XXXX open account reward promotion. I have met the spending requirement of XXXX dollars in XX/XX/XXXX, however, the reward points promised never showed up in my Starwood Reward Program account, where my previous points from the American Express cards appear. Three attempts to communicate with American Express were made roughly 1 month apart starting in late XX/XX/XXXX. Each time, I was promised the points will be awarded. To date ( XX/XX/XXXX ), three months after the requirements were met, I have not seen any rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
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: Account status incorrect

Complaint:
This ( XXXX XXXX XXXX acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from XXXX and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by XXXX XXXX XXXX. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 distressed that you have included XXXX, TRANSUNION, XXXX information in my credit profile on and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XXXX XXXX, 2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX assisted in my name and credit report being used fraudulently by violating the following FCRA code. 

FAIR CREDIT REPORTING ACT SECTION 604 U.S Code 1681b- ( b ) ( 2 ) ( ii ) The consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

SEE ATTATCHED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened Bank of the West ( BOTW ) checking Account in XX/XX/2019 because they had a promotion of {$250.00} in which they promised that if the customer deposits {$250.00} every first week of the month then in the month of XX/XX/2019 BOTW will provide a gift money of {$250.00}. First of all I completed all the requirements by BOTW. I did not receive the welcome bonus and on the top of that they also deducted {$10.00} from the account in XX/XX/2019. I called customer service but they were of no help. I would request the CFPB to please take required action and take a strict action against this bank. This is a fraud bank which shouldn't be functioning in America and should be immediately closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX both XXXX and transunion were notified that they had 15 days to stop publicly furnishing private information of mine. Its been well over 31 days actually. XXXX XXXX company was the only one who updated my account via XXXX but XXXXXXXX XXXX XXXX XXXX and aspire are all credit card companies who sent my public information to a 3rd party ( all 3 CRAs ) to furnish publicly. Furnishing recent and high balances is a ftc violation an fcra violation and invades my privacy rights. If my limit is {$800.00} transunion is not allowed to publicly furnish transactions and experiences over {$800.00} they are guilty alongside XXXX and XXXX this violates the Privacy Act of Consumer Financial Information Ru of the Gramm Leach Bliley Act. According to FCRA 15 U.S.C. 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) states consumer reports does not contain any report containing information solely as to transactions and experiences between the consumer and the person making the report. Transactions and experiences are the same as recent and high balances that CRAs furnish against my will which is an invasion of my privacy and these companies need to stop violating my consumer 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: CO
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:
ON XX/XX/22 I sent Experian a letter for information they are reporting inaccurately. They have yet to respond or correct the inaccurate information The payment status is reporting " Current Was Past Due 60 Days '' This is an FCRA Violation, and this needs to be corrected to the CURRENT status of " Paid/Paid as agrees " Ive included the original certified letter as well as my credit report with errors highlighted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have had XXXX credit cards opened without my knowledge this past month. XXXX was opened on XX/XX/2023. BARCLAYS BANK XXXX was opened on XX/XX/2023. BARCLAYS BANK XXXX credit card balance increased by {$610.00} from {$0.00} to {$610.00}. Since then my credit score has went down XXXX points. I have never opened these cards and am worried they know my social security and are able to open more cards on my name.

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 2022-09-22
Company: RIA FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
my name is XXXX XXXX XXXX, on XX/XX/22 I sent {$2000.00} to my brother in the XXXX XXXX through RIA money transfer through the internet. the following day on XX/XX/22 when my brother went to retrieve the money, a teller at the bank told him that the money has already been given to the receiver. My brother told her that he is the receiver and he did not take the money. The teller told my brother to contact me who sent him the money so that I can contact RIA money transfer to report fraud. When I called RIA, they told me to give them one week for investigation, and after their investigation if my brother is not the one who received the money, they will reimburse my money. when I called them a week later, they sent me the ID of the person who took the money. The person used my brother 's name to make a fake ID to take the money. As you will see the person use another picture than my brother, different DOB, different profession in the back of both ID, different city of birth, different date that the ID was established and different day of expiration, different name of my father and my mother, different DOB of my father and my mother. when I called RIA money to return my money, they told me to have my brother to contact the local police in the XXXX XXXX, which he did. The police is asking him to provide the date, the time, the name of the bank, the city where the money was taken. I called RIA and asked to provide me this information. When I called them, they told me to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company 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 2021-11-16
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: Account status incorrect

Complaint:
This ( XXXX XXXX XXXX. acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from XXXX and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by XXXX XXXX XXXX. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies in the bankruptcy information reported by XXXX, XXXX, and Equifax. The discrepancies in the information have raised concerns about the verification process and overall accuracy, as detailed below : XXXX : No bankruptcy information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closing Date : XX/XX/XXXX Court : XXXX XXXX XXXXXXXX XXXX XXXX 

Equifax : Date of Bankruptcy Report : XX/XX/XXXX Reference : XXXX Closing XXXX : No information provided Court : Federal.

This conflicting information has not been verified and does not align across the credit reporting agencies. I kindly request the immediate deletion of this inaccurate information. For your reference, I have attached proof supporting my claim. 
Despite numerous requests, XXXX and Equifax has failed to provide the following essential information related to the bankruptcy report : XXXX. The name and contact information of the entity that furnished the bankruptcy information. 
2. The method used to verify the accuracy of the bankruptcy information. 
XXXX. Documentation that substantiates the accuracy of the bankruptcy information. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the deletion of the inaccuracies in my credit report. Your assistance in resolving this issue and upholding the standards of credit reporting is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, I noticed there was an unauthorized transaction. I immediately contact customer service with my financial institution. I told them there was an charge I did not authorize. As I was on the phone with the representative. Another unauthorized transaction went through. I was advised I could not dispute until it cleared. After it cleared a couple of days later. I disputed it. After several disputes and denied emails. The financial institution found no errors. After a police report and speaking with the two merchants myself. They traced my card to the purchases. Then I was advised my bank would have to be the one to reverse it. My financial institution still finds no error and will not reverse the payments.

Company response to consumer: Closed with explanation