BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a phone call or written communication about the debt. I discovered the issue when I reviewed my credit report. Im also unclear why I owe anything at all. Please provide written communication outling the rational for the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello my name is XXXX XXXX XXXX and my Barclay visa with XXXX   rewards is outstanding in debt. Barclay Visa has sent me an invoice which is below in the attatchments of My account and was closed XX/XX/XXXX to my Barclay visa with XXXX rewards credit card. I am a XXXX XXXX and Also a XXXX  XXXX XXXX  XXXX XXXX a XXXX XXXX  XXXX and a XXXX XXXX XXXX XXXX. I recently have been noticing that since XXXX I have been investing in XXXX shares and stock and I a dividend that was set to pay out last XX/XX/XXXX. I don't understand why XXXX has not applied my dividend to my XXXX rewards visa card and It's already going into collections and incurring more debt. I really need my credit card debt paid and I have contacted Barclay visa with XXXX rewards and no employee seems to understand can you please help secure my debt and apply my dividend to my outstanding credit issue.

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 2019-05-16
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The school was fraudulent. The loan is supposed to be forgiven, its negatively impacting my credit. I'm in the process of purchasing a new home, and I need this debt to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting an unsubstantiated claim by XXXX XXXX XXXX a collection in the amount of {$2700.00} partial account number XXXX. ( Please see page 24 of the attached credit report. ) These line items report Ownership as either Joint and/or Co-Signer. I did, in the past, co-sign for a friend on her apartment. She resided in the apartment for the one year lease term. After the initial lease term expired, I was no longer financially obligated to this lease. She decided to stay in the apartment for another year. She solely, on her own, signed the new lease. I did not sign any documentation for a new lease term. She consequently decided a short time after to vacate the premises. Now XXXX XXXX XXXX   are holding me responsible for her breaking her lease. I, again, did NOT sign any documents for the new lease and I am NOT monetarily responsible for this debt. This incorrect reporting of a collection on my credit report is harming my credit score.

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ...

Please proof I was late on this as account it reporting different on all three credit agencies. 

XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I could not remember my password to log onto " Myequifax.com '' account, so that i could temporarily lift a credit freeze, so I changed the password following their steps. When i tried to logon after the password change i was not able to and was directed to call their XXXX number. When i called the XXXX number the customer rep told me i would have to mail them a copy of my drivers license and Soc Sec card to them in order to get the freeze lifted. 

Equifax is the company that had over XXXX XXXX credit records stolen from ; and now they want me to give them photocopies of my personal information! What?!!! I don't trust them with the info they now have and they want me to give them more?? The customer rep told me this is the only way to get a freeze lifted when Equifax is not able to verify that I am truly myself and not a identity thief. 
There must be some other way of verifying my identity other than mailing Equifax copies of my drivers license and Soc Sec card. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I recieved a call on XX/XX/XXXX from direct express, a customer service representative stating they seen an attempted fraudulant transaction and were calling to confirm it was not me. I told the CSR it wasn't and she said she was deactivating the card and issuing me a new one. Then on XX/XX/XXXX my childrens benefits were deposited and at XXXX XXXX   someome from XXXX ohio fraudulantly stole over XXXX from their account using an atm. There was two transaction first was {$760.00} and the second transaction was in the amount of {$800.00}. I immediately on XX/XX/2019 reported the theft to direct express and filed a dispute. I was promised i would get the money back because i showed proof it was not me and my dispute was denied. Direct express is refusing to refund me the stolen money. I filed a police report with the XXXX police department in Pennsylvania where i reside. The chief himself faxed direct express all documents they asked me to send and still with no resolution. My child has a life threatening medical condition and i depend on his benefits to pay for his medication or he can die. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: WA
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 my disputes to all three credit bureaus on XX/XX/16. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XXXX letting them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: TX
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 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 XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-03-29
Company: Incomm Holdings Inc.
State: NJ
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:
Received a vanilla gift card for XXXX XX/XX/XXXX for {$200.00}. On XX/XX/XXXX went to activate and it said I had a 0 balance. After signing into account and reviewing account transaction a transaction for XXXX was made on XX/XX/XXXX which I did not make for an advertising? I immediately called customer service who started and report and said the dispute center would notify me. I received an email from them on XX/XX/XXXX with the dispute package to fill out which I filled out immediately and received receipt that they received on the XX/XX/XXXX via email. Per email they had 90 days for refund. I have send emails on the following days with no response XXXX and have received no refund. I am totally disgusted, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BARCLAYS BANK DELAWARE
State: TX
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:
I was scammed by a third party, XXXX XXXX XXXX XXXX to purchase high end computers. The cards in question were paid off within 24 hours opening up the line of credit to make more purchases. Within a week, I was able to purchase over {$64000.00} worth of electronics equipment and was defrauded out of everything. I spoke with the Company representative, XXXX XXXX, 2-5 times daily. The cards in question are as follows : Barclays {$11000.00} ( last 4 of card # XXXX ) XXXX XXXX {$17000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX  {$18000.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$2100.00} Total {$64000.00}

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 explanation
Consumer complaint received 2022-08-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX I initiated an international wire transfer to XXXX XXXX in XXXX, XXXX for {$3700.00} to pay for my daughters wedding. For some reason, the transfer was never received by the beneficiary at an account at XXXXXXXX XXXX. I called Wells Fargo and after an investigation they sent me a letter stating " the funds were not delivered to the beneficiary. '' They have done 2 investigations and told me XXXX 's is " holding '' the funds and they have asked for a return of the funds to my account. To date, this has not happened. I spoke with them again today and I got the same answer, a waiting game. They told me that they have to send an electronic request to pull back the funds. I suggested that a Wells Fargo banker call a banker at XXXX and resolve the issue. Why can't they call... it could be resolved in 5 minutes. This issue has been ongoing for months with no resolution. The Wells Fargo representatives keep giving me the same answer and not taking any action. In addition, I always have to call to get an update. They don't call... Very frustrating as this is not a {$20.00} exchange... Please help in any way you can... I would like to retrieve my funds that have not been delivered... it only seems fair.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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. 

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 1681 s-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. 


XXXX XXXX- ACCOUNT 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 2022-04-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
Navy federal credit union automatically gave out full amount of funds during the pandemic when the child tax credit was issued. So if my account was over drawn by XXXX they would credit me the amount that was in the negative. I was told in XXXX that i was able to unenroll if I didnt want to continue. I was also told that I would be given the opportunity to start a payment plan once the funds were taken out of my account for repayment in XXXX Then I received a email that the full amount would be taken out in XX/XX/XXXX. And it never happened. Fast forward they did take out the funds of XXXX but it didnt happen till XXXX I was prepared for XXXX. Now I have a negative balance of XXXX and they refuse to allow me the chance to make a payment arrangement. Isnt this predatory banking?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an investment savings account along with a new checking account that the company started promoting a few month 's ago all too many times access is limited due to system issues you are unable to get through to customer service due to all of the major issues with the banking platform a perfect example as of todays date is my checking account access has disappeared with no explanation or reason granite only XXXX is in the account but what if I have elected to have my whole paycheck direct deposited I would not have access to my funds and as a consumer these issues are unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
I was leasing a car with Nissan corporation I did not understand the seriousness of paying the loan on time because I was going through a hard time I was unemployed the time I was making payment late however since XX/XX/2016 I been making on time payments but the Nissan corporation continues to report told late payments to the credit bureaus which is derogatory on my credit score making it impossible for me to buy a house or even obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had credit card company called for payment gave the company the correct info for payment which was already on account company calls back a month later stating that they close my account for none payment had company info they stated that they put in the wrong info. I then asked that can I make the payment and be able to use my credit card they stayed no I will I have to have my credit ran again. Didnt want my credit ran again asked can I pay off the balance, they changed a XXXX dollar balance to a XXXX dollars balance which I feel was not my fault. Then the calls started I should only have to pay the XXXX dollars which is was less then what I owed on the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - Caliber Home Loans reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with Experian Reporting Agency. I have called Experian and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from Experian, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : //files.consumerfinance.gov/f/documents/cfpb_fcra_consumer-reporting-faqs-covid-19_2020-06.pdf Thank you, 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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX  and Transunion are reporting an unsubstantiated claim by XXXX XXXX XXXX a collection in the amount of {$2700.00} partial account number ****XXXX. ( Please see page 24 of the attached credit report. ) These line items report Ownership as either Joint and/or Co-Signer. I did, in the past, co-sign for a friend on her apartment. She resided in the apartment for the one year lease term. After the initial lease term expired, I was no longer financially obligated to this lease. She decided to stay in the apartment for another year. She solely, on her own, signed the new lease. I did not sign any documentation for a new lease term. She consequently decided a short time after to vacate the premises. Now XXXX XXXX XXXX are holding me responsible for her breaking her lease. I, again, did NOT sign any documents for the new lease and I am NOT monetarily responsible for this debt. This incorrect reporting of a collection on my credit report is harming my credit score.

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 2019-06-28
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX XXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX**** Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. XXXX and XXXX both have sent results based off the information you provided to them. Please see the information below : XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX   UPDATED THE BALANCE TO {$1700.00}. 

XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for a payday loan for the amount of {$850.00} with the agreement to pay back {$1000.00} ( loan + interest ). Refinancing the task and postponing the payment two weeks resulted in a total amount of well over {$2100.00} due. This was XXXX this year and I am still paying it back due to an installment plan I set up over the phone, but the agent I spoke with could not give me a clear reason why I ended up paying almost 3 times the initial loan amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation