BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a claim to Barclays Bank about an unauthorized charge of {$600.00}. On XX/XX/ XXXX I received a letter stating that the matter was with a dispute specialist, and it could take up to 45 days to resolve. 
On XX/XX/XXXX I called to check on the progress of my claim and learned they closed the case citing that I did not answer a phone call from them. I was told to resubmit a letter requesting that the claim be reopened. 
On XXXX XXXX I mailed a letter requesting they reopen my claim. 
On XX/XX/XXXX I spoke to the dispute department, who transferred me to the fraud department who then transferred me back to the dispute department where XXXX assured me that a manager would call me within 48 as they do not have managers on site. I never received a call. 
On XX/XX/XXXX I spoke to XXXX in the fraud department who sent my call to XXXX in disputes. XXXX said the manager would call me within 24 hours. Again, I did not receive a call. 
On XX/XX/XXXX I spoke to XXXX who said a manager would call me within 48 hours. 
As of today XX/XX/, I have still not received a phone call from a manager at Barclays Bank nor has the charge been removed from my account. 
I find their handling of my claim unprofessional and dishonest ; I would like this charge removed and reimbursement for the interest that I have been charged.

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 2023-08-01
Company: Nelnet, Inc.
State: CO
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:
I graduated from the XXXX XXXX XXXX XXXX in XXXX of 2023. I was a XXXX XXXX for XXXX continuous years until graduation. I received federal loans for each semester I was a student. I consolidated several of my loans at one point while being a student. Shortly before graduation my federal loan servicer was transferred from Great Lakes to Nelnet. Since the transfer I have had many issues. Firstly, All my loans were switched from the standard repayment plan ( the default repayment plan ) to an extended repayment plan. I did not request this transfer and I contacted Nelnet. They fixed this issue. 

Secondly, of the XXXX loans that Nelnet is the servicer for I have various first payment due dates and only XXXX of my loans are in the XXXX month grace period. I have XXXX XXXX XXXX loans, XXXX XXXX XXXX loans, and XXXX XXXX XXXX loans. All of these loans are eligible for the 6 month grace period from the time of graduation and should all have a first payment due date of XX/XX/2023. The XXXX XXXX XXXX  loans and the XXXX XXXX XXXX loans have various due dates in XX/XX/2023 while the XXXX XXXX XXXX loans are in the correct grace period with due dates of XX/XX/2023. 

I have contacted Nelnet XXXX separate times and have been assured they would fix the issue. Each time I have called them they have stated a different reason for the issue and attempted to help correct the issue. The third time I called them they stated the loans were not eligible for the 6 month grace period and they could not fix the issue. Every information I am able to find assures me that all XXXX of my loans are eligible for the 6 month grace period and thus should all have a due date of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021, I purchased a vacation package from XXXX XXXX XXXX for {$4400.00} using a credit card issued to me by the Navy Credit Union. I did not receive a vacation package nor a refund. I contacted the Navy Credit which is the issuer of the credit card and they fail to reimburse me, knowing I did not receive a vacation package nor a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Collection Agency MERCANTILE ADJUSTMENT BUREAU , LLC continued to attempt to collect debt that was resolved with the original creditor, XXXX XXXX. After calling MERCANTILE ADJUSTMENT BUREAU , LLC for confirmation, they've refused to update my consumer credit file. 

This company is retaliating against me for resolving the debt with the original creditor, as allowed by the original creditor. 

XXXX XXXX has repeatedly sent the correct information to this collection agency, and they continue to refuse to update my credit file as required by the FCRA ( Fair Credit Reporting Act ). 

MERCANTILE ADJUSTMENT BUREAU , LLC refuses to send to me verification as requested. Attempts to resolve this with the collection agency have been unfruitful. They have blocked by phone number, and will not correct the information, send me the proper information, and send the credit bureau the correct information regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: GA
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 checked my credit report and I noticed some inconsistent and inaccurate information on my credit report and then proceeded to reach out to the credit reporting agencies to fix the issues but they did not.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2022-02-23
Company: BUSEY BANK
State: MO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Hi, my name is XXXX XXXX, My Complaint ID is XXXX I have made a complaint to Commission on Human Rights as well and now i am reaching out to you all for help. I am failing this complaint against Busey Bank they have bullied me and also housing discrimination. They have made a fake settlement agreement and release that I refuse to sing these papers. Busey bank and i came to a agreement that Busey bank would do a loan modification and I will be showing proof of all documents. Busey bank has valuated the Loan modification agreement. I will be uploading all documents at the bottom. I would like to add that from the time i sing the Modification back in XX/XX/2017 Busey bank sent me a statement in XXXX on the XXXX for XXXX this is when it all started, and they started saying i was late and was not paying at all when I was. They are still saying i am behind and owe 10,000.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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: Account information incorrect

Complaint:
On XX/XX/XXXX I sent certified mail to Experian disputing a foreclosure record that was reported as having occurred in XX/XX/XXXX. I requested them to report correctly as the foreclosure was in XX/XX/XXXX. On XX/XX/XXXX I received the results of my dispute stating that after investigations the item remained as is. On XX/XX/XXXX I refiled an electronic dispute with Experian and included a copy of the Final Judgement of the foreclosure. On XX/XX/XXXX I received the results stating that the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute XXXX dont think Experian is doing its duty in investigating this dispute. Prior to XXXX, the foreclosure was accurately reported on the exact month and year it happened. For reasons best known to Experian, they changed the date of the foreclosure from XX/XX/XXXX to XX/XX/XXXX. This inaccurate reporting hurts people trying to do the right thing and creates doubts about the credit reporting system.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-02-23
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX XXXX I went to apply for a commercial loan for my business and they denied me for assumption that the car will be getting used for XXXX or rental purposes. My account I have with them currently isnt being used for XXXX. I offered to show them valid proof that they arent and they declined. I called and spoke with XXXX XXXX at Ally Financial and he explained to me thats the reason for my denial. He also stated that because I have 2 cars thats commonly used on XXXX, which mines arent listed on there, that brings a red flag. My cars are used for employees at my establishment at the salon. This is my second attempt trying to purchase a vehicle in my business name and getting denied because of them assuming Im going to use it for 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, have 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 an 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, CREDIT CONTROL LLC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of 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 2022-03-29
Company: Experian Information Solutions 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:
Hello, My name is XXXX XXXX, and I am writing to delete the following 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. Please delete these items as soon as possible.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2022-02-23
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: Account status incorrect

Complaint:
I recieved form 1099C from XXXX XXXX  on XX/XX/2021 forgiving my full debt to them in the amount of {$6300.00}. They told me that they furnished all three credit reporting agencies with the form. All three credit reporting agencies will not update my status from still owing the {$6300.00} balance to cancelled and zero owed as of XX/XX/2021. I have disputed this 2 times and they will not update the status of 1099C cancellation of debt.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-31
Company: Nelnet, 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 status incorrect

Complaint:
There are currently 5 Dep of Ed/Nelnet student loan closed accounts reporting negatively on my XXXX credit report. Around XX/XX/XXXX I was able to get the Dep of Ed/Nelnet student loan accounts REOPENED and CURRENT with Dep of XXXX XXXX but the 5 Dep of Ed/Nelnet student loan accounts that are closed are still reporting negatively on my XXXX credit report. 

Between the Dates of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX and Nelnet multiple times via telephone and mail to have the closed student loan accounts removed, but XXXX and Nelnet refuse to remove the 5 Dep of Ed/Nelnet student loan accounts that are closed and reporting negatively XXXX is the only credit reporting bureau that is reporting the Dept of Ed/Nelnet as closed and negative even though in XX/XX/XXXX the accounts were REOPENED and now CURRENT with Dep of Ed/XXXX  I have disputed with XXXX using Consumer law and most recently XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Chapter XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/23, I sent a letter regarding inaccurate and unknown things in my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of as well as being ignored in my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report since it has been over 45 days, this should be deleted promptly. I demand that these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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