BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: Nelnet, Inc.
State: NJ
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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: ERC
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: Information belongs to someone else

Complaint:
A loan was taken out in my name in 2018 with XXXX  XXXX  in California. I have never lived or visited California it is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX XXXX XXXX ( 0 minutes ago ) to me I am writing to express my concern regarding the current status of my Chime account and the apparent withholding of my funds. I decided to open a Chime account to receive direct deposits from my current job. On XX/XX/2023 I got an email stating that my account with chime was closed. After contacting them they told me that I violated the deposit account agreement and that they could not disclose why my account was closed. There has never been any fraudulent activity on my chime account. I contacted them multiple times, only through email because they did not have a phone number for me to talk to a live agent at the time. I was told in an email from chime on XX/XX/2023 that within 30 days of my account closure I would receive a closure check. 30 days passed, I was never sent a check, nor did I receive any confirmation from Chime that a closure check was sent. After contacting them again they continued to give me the run around and say that they need more documents even though I had already previously sent documents verifying my identity, home address, proof of my deposits, etc. On XX/XX/2023 I sent one final email with all of the documents once again that I have already sent them multiple times. After days of waiting for a resolution to the problem that I have been dealing with for over a month with chime they stated in an email on XX/XX/2023 that now my account is no longer eligible for a refund. So, they are refusing to give me my funds that I legally worked for. I reviewed the terms and conditions of my account agreement and didnt see anything that I violated. They never gave me any proof on the closure of my account and why it happened. I kindly request a detailed explanation for the withholding of my funds and a clear timeline for their release. Chime did not do their part in solving any problem I had with them and they have continued to withhold my funds without any legal action. I believe in a fair resolution and hope to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: NY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: DISCOVER BANK
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Approved for secured credit card with Discover. XXXX security deposit and XXXX credit limit. I paid early and consistently until I suffered a work injury that rendered me XXXX. My account balance was approx XXXX I asked why they could not apply deposit to pay off amount owed and even stated to keep the amount left out of the security deposit. I was told it had been charged off, however it was not until this year and the company charged me interest up until then. I did not use the card after the balance was XXXX approx, due to not having income but Discover decided to keep the XXXX security deposit, lied about the account being charged off and charged interest on my account. It's in collections now and right at XXXX owed. I also received reward checks every so often from Discover, money back on our purchases, I received a XXXX approx check back in XXXX, XX/XX/2023 approx from Discover and haven't used the card. Is this legal?

Company response to consumer: In progress
Consumer complaint received 2018-03-09
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Automobile Acceptance Corporation & XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX never served me with a suit and fraudulently filed a garnishment of my bank account for {$21000.00} According to the paper work it reaches the statute of limitations and the attorney who is acting as a debt collector failed to send me the proper paper work to view this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2021 I submitted a complaint to the CFPD, in regards to Transunion furnishing an inaccurate credit report. On XX/XX/2021, the company responded back saying they will update me within 60 days, by law the credit bureaus only have 30days to investigate. I did not receive any correspondence as of today regarding my complaint. I am requesting a Cease and Desist from this company other then mail or through the CFPD website. I also request an updated credit report, this can be sent with a link through the CFPD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
these types of loans are predetory i am in a repayment plan with them for my account # XXXX and even this payment plan is only payiny interest nothing going toward principaly. they still want 541 a month whihc was being paid consitent until ebenfts got cut since them i have had a death the the family and im willing to repay t but need to make pyaments once can fford not payments that are insterest only and are not getting me anywhere.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
FIRST OFF, I have provided you with thorough documentation that the data furnishers DO NOT have accurate records. SECONDLY, I have shown they are not responding to MY REQUESTS FOR INFORMATION, which is a LEGAL REQUIREMENT. And LASTLY, I continue to get CANNED RESPONSES from you WHERE YOU CLAIM YOU VERIFIED THE BELOW LSTED ACCOUNTS. Where is the verification? I have NEVER seen any documentation which proves I'm the legitimate author or responsible party to these accounts. Since it's not verified nor have I seen any proof how can you make the claim you've complied with FCRA law? Im giving you one last chance to rectify this situationThe following accounts are reporting inaccurately and I NEED THEM CORRECTED IMMEDIATELY. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 

Lastly, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need them removed at once.

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 2021-03-29
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following account was part of my XXXX XXXX Bankruptcy and was XXXX on XX/XX/XXXX. Since this account was still being reported to the credit bureaus as of XX/XX/2023, I had a conversation about it with one of your representatives last month. However, since XX/XX/2023 it was reported as current up until XX/XX/2023. Now, its being reported as " XXXX XXXX ''. I filed the XXXX XXXX  XX/XX/2023, then ceased payments. The credit bureaus shouldn't receive reports of " XXXX off '' from accounts included in XXXX that they are reporting. 

United States XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-06-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2020 To Whom It May Concern I filed a dispute with XXXX XXXX requesting a full refund due to the pandemic COVID-19 Prior to having the procedure done you must have a 30-day clearance, no doctor at that time would see anyone. My XXXX date was XX/XX/2020 Hospitals cancel XXXX XXXX per federal guidance Also, the country was on locked down I request a refund XXXX the XXXX 2020 I was told that someone will contact me. A week later I received an email stating that I would not receive the full refund and that they were keeping my deposit. XXXX {$800.00} ) I advise the representative that I never paid a deposit I paid the balance {$7500.00}. 
I requested that my bank Navy Federal dispute the charge, my bank sends me an email on the XXXX of XX/XX/2020 that XXXX advise them that they refund the full {$7500.00} which is not correct. Which lets me know that my bank fail to do an true investigation on claim when you can see a deposit on XX/XX/2020 for {$6700.00} not {$7500.00}. 
I am requesting the difference of my {$800.00} to be return to my Navy Federal Credit Union account and that some one re- investigate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
State: FL
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:
Good morning. I was sent to collections by XXXX XXXX XXXX inXX/XX/XXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XX/XX/XXXX and had to move out of our old place which was moldy and made our XXXX year old son sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working 3 jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at  which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay XXXX XXXX XXXX their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off XXXX XXXX XXXX SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XX/XX/XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at XXXX XXXX XXXX is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take XXXX XXXX XXXX off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have trying to contact Equifax without any result, they transfer me to one department to another, at this point I don't know what to do. the affairs department is the worst. 
1- ccount Number XXXX XXXX XXXX XXXX XXXX , this account doesn't belong to me at all. 
2- XXXX XXXX XXXX XXXX Account Number XXXX XXXX, this account have been sold appear twice in my report .Activity Designator TRANSFER_OR_SOLD 3XXXX XXXX   XXXX XXXX  XXXX XXXX Account Number XXXX XXXX Account Status CHARGE_OFF im still making payment for this account. 
4- XXXX XXXX XXXX XXXX Account Number XXXX XXXX this account appeat twice on my report and is pay off.Activity Designator TRANSFER_OR_SOLD 5 - XXXX XXXX XXXX XXXX Account Number XXXX XXXX this account is already discharge 6 -  XXXX XXXX XXXX XXXX Account Number xxxx # # account have been pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Creditor Name XXXX XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$100.00} Balance {$120.00} Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX This a fraudulent account, someone stole my personal information to owe this debt. The above collection account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: IN
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 filed a dispute with the credit bureau and the company asking them to validate the account and any information they have proving it belongs to me and they have not done so and it 's been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: In progress