BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Nelnet, Inc.
State: AZ
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:
Group ID : XXXX Payment Amount : {$360.00} Payment Effective Date : XX/XX/2023 Date Payment Authorized : XX/XX/2023 Above is from the email confirmation from Nelnet regarding an online payment. I made a payment on XX/XX/2023 to loan account XXXX For approximately 20 days and 2 phone calls to Nelnet Customer Service regarding why the payment has disappeared from their website. No record of the payment exists on their site, but I have bank statements of the money being taken out of my checking account posting on XX/XX/2023. With an email confirmation as well. 

Today on XX/XX/2023 I checked and found the payment incorrectly applied to the wrong loan, in this case loan account XXXX. They are misappropriating my payments to the incorrect loan in their care. My goal with this payment is to payoff interest accrued on my loan account XXXX. They make this impossible. 

I will contact customer service for a 3rd time regarding this payment over the span of 27 days since I scheduled the payment. 

It is very difficult to pay back loans if I have no control over my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This has been going on for so long I am not even certain anymore of the start date. But according to their record, I i initially reported this on XXXX. So it's been almost a year of this. It began with a dispute over 2 transactions taking place in Indiana. One at what I believe to be a convenience store, the other, an atm. In no way do these transactions match up with any behavior found on my account, easily seen. They were given evidence, and made aware of the theft of my identity, and a plethora of more data. The evidence they supplied regarding these disputes is a single page pdf, with assumptions, not clear evidence regarding why the amount of money I did not authorize being taken was denied being returned. I've supplied hundreds of pages of legal paperwork, while they have only supplied the same single page pdf, and also sent a pdf regarding another dispute that invalidates their information regarding the physical possession of my cards, and personal data, upon which they falsified that I was in possession of my card. Even though I sent them evidence from another company proving other instances my identity, and chime card, for that matter, were used. I was at a federal holding facility, and can easily prove what I was released from that facility with, no cards or phone is on the property form. I have reopened the dispute a multitude of times, called more than 50 times, and they have no file, no record, nor any copies whatsoever of any information sent. The amount owed has changed, they tried to use falsified IRS documentation, stating my IRS data didn't match the account, which is a complete fallacy, to attempt to close the account, without even notifying me. I can prove beyond a doubt, that I did not make these charges, and the company is denying the fact that my fighting this, were they able to prove it was me, would put me back in prison, as it would prove I absconded to Indiana, without Parole permission. There is an insurmountable amount of evidence proving deceptive business tactics, they blatantly ignored what was stated in a XXXX complaint, and wrote a response having nothing to do whatsoever with my claim. This has all turned into a ridiculously lengthy and convoluted battle, and I am not the first this has occurred to. There's literally thousands of examples of their tactics, plastered all over the internet. This is, and has turned in to, blatant fraud, and has cost me more than what is owed, in hardship, and time. I have not once spoken to anyone representing the actual organization. Only looped between customer support, over and over, 7 times in a single call, at one given juncture. Your system for uploading evidence is tough at least, but at command I can provide a far better cross section.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: CT
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Have violated my rights. 

15 U.S.C 1681 section 602 A. State 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.

15 U.S.C 1681c. ( a ) ( 5 ) : Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictins of crimes which antedates the report for more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating ot a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello To Whom It May Concern, I have been trying to fix this the past few months and now the covid 19 going around i need to be fixed more than ever. I have been using my XXXX XXXX and noticed Dept Of  Ed/XXXX  late fee 's of a total of 48 on transunion and 54 on XXXX. I was told by the studen loan company more than once that these late fee 's will not count against my credit score since I've been there a long time and most of them are the same ones repeating since I have a few different loans. Each time I call they say the same thing that transunion, XXXX  and XXXX  should not be showing this. I have wrote countless letters. Under the fair credit reporting act 609 this has been going on well over 90 days. I have been in contact with transunion, XXXX and XXXX  also and it just goes around in circles the blame game.

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 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The High Credit is reporting different on each credit bureau TransUnion shows {$1000.00}. XXXX  shows {$0.00}. XXXX shows {$1000.00}. 

Each credit bureau shows a different date of last active. TransUnion Shows XX/XX/XXXX. XXXX  shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA

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 2018-05-06
Company: Commonwealth Financial Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from Commonwealth Financial Systems on XX/XX/XXXX about an unpaid amount that was presumably pending with a healthcare provide in Ohio from XX/XX/XXXX. I explained to the caller that I had already paid everything from a brief visit in that location back in XX/XX/XXXX. My apt was very very near that location for three years and had never had any notice, call or request from that facility to pay any amount. I was also given a name of a person in that facility whom I have never met and specifically explained the same to the person from Commonwealth Systems. I explained that there must have been some kind of a mistake or mix up. Today XX/XX/XXXX, I received an alert on my credit report about a negative item. It is about the same amount and from XXXX XXXX. I had no prior knowledge on whether there was some inquiry, never received any proof of my owing that amount. I had a spotless credit report before that and have never owned any amount of money to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: AES/PHEAA
State: PA
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:
I have consolidated direct federal student loans, which is serviced by XXXX XXXX. I am enrolled in the PSLF program, work for a qualified employer, and have several years of qualifying payments documented by XXXX. Last year in XX/XX/XXXX, I submitted a new PSLF employment certification form, and I was only credited with 5 payments, when I had in fact made 10 qualifying payments during that time period ( XX/XX/XXXX - XX/XX/XXXX ). I have direct debit set up for my account, so the payment is made every month and on time. I contacted XXXX XXXX XXXX in XX/XX/XXXX to have them look over the payment history again and to re-calculate the qualifying payments. I was told there was in fact a mistake on their part and they would submit a request for review - I was told this would take up to 60 days. 60 days later, in XX/XX/XXXX, I hadn't heard anything so I reached out again. I was told the request was never submitted, so I then asked to have the request " officially '' submitted. I received verbal confirmation on the call that it was submitted for review, and I should hear back in 60-90 days. 90 days passed, and I called in late XX/XX/XXXX, and I was told it would take 6 months for the review to be completed. I just recently called again on XX/XX/XXXX, and spoke to a representative named XXXX ( ID # XXXX ), and was now informed the process takes 12-15 months and I should check back in at that point. I am frustrated because the timeline keeps getting pushed back, and the experiences I have had thus far, indicate that when 15 months goes by, I will likely be told to wait longer. It's a simple review of my payment history, since I have auto-pay set up for the student loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX  and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see pages attached. I have also attached a copy of my drivers license and SSN for verification purposes. ) These multiple inquiries are well within the time that is typically allowed to check different lenders and find the best loan. These inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of the inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-04
Company: Maximus Education, LLC dba Aidvantage
State: AL
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:
Before AidVantage, my payment was 1/4 of the payment that AidVantage is suggesting. 
The payment suggested is ridiculously, and unreasonable, and not managementable. No reasonable alternative is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: MI
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 sent in a copy of my police report with Equifax detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This collection agency sued me for a debt that is not my debt. Another collection agency had this same account, and sold it to Security Credit. Security Credit filed on my credit report that I did this in 2019. The other collection agency dropped it after I disputed that this is not my debt please remove. So, I wrote the letter after being served to the courts that this is not my debt. How this collection agency received my current information is because I constantly disputed this account that is hindering me from so many things with false information. I had to submit my ID and Social to  show that this account does not belong to me, and now they have my phone number and all of my personal information. Since I wrote the letter they are mailing letters wanting to settle, but I'm not settling for something that is not mine. I would like this removed from my credit permanently. Also, I would like the calls and letters to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently reviewed my credit report and found an account that does not belong to me. 
XXXX XXXX XXXX is reporting a {$85.00} medical collection that states was open XX/XX/2017. I have no idea what this account is and have never entered into any agreement or contract with XXXX nor the unlisted original creditor. I contacted the company and they have failed to proved me any validation or signed contracts.

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 2023-05-02
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 information incorrect

Complaint:
Experian is continually reporting a XXXX XXXX account inaccurately. In the payment history for this account it shows it as 180 days past due for consecutive months. This false reporting is damaging my credit reputation. Similarly, they are reporting a XXXX XXXX account as charged-off for consecutive months as well. This is illegal as this is false reporting for which they are willfully being non-compliant in correcting this.

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 2019-11-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2019, I contacted Wakefield & Associates regarding a notice of a debt placed with them for collection from XXXX XXXX. I requested validation of the debt and a detailed bill. I never received this documentation. I was served with an order to appear in court for this debt. In XX/XX/2019, I again called to ask for validation of the debt as well as asking for the call to be pulled in XXXX to confirm that I requested validation of the debt. The representative informed me she would submit the request and I would receive a call within 24-48 business hours. I never received any contact. I went to court and asked for validation of the debt and the attorney rescheduled the date. I finally received the documentation however if I requested the validation in XXXX, it is my understanding I should have receive this within 30 days for the debt to be valid and owed. I contacted this company again today to which I received the response that they do no have to call me back, they do not have to tell me if I did request validation of the debt in XXXX, they do not represent me so they do not have to assist me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've spoken with all 3 credit companies about my credit report for them to remove some things on my credit report and I've given them over 60 days so I'm reaching out to cfpb for help. I'm aware of my rights to privacy and confidentiality under 15 USC1681. 
I want exsprian, XXXX, and XXXX to remove these accounts off my report immediately.. 
XXXX XXXX  XXXX for {$55.00} the account was closed and charged off. 
XXXX XXXX XXXX for $ {$410.00} the account was closed and charged off. 
XXXX XXXX {$800.00} The account was closed and charged off. 
XXXX XXXX {$860.00} The account was closed and charged off. 
XXXX XXXX XXXX {$1600.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXXXXXX {$1300.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXX {$1400.00} The account was closed and charged off. 
XXXX XXXX {$2600.00} The account was closed and charged off.

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 2023-03-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation