BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: Nelnet, Inc.
State: TX
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 have several direct student loans and several parent plus student loans. After speaking with Nelnet ( the service provider ) on more than one occasion, I followed their guidance to consolidate my loans. ( XX/XX/2017 ). I now find out that by including one parent loan in the consolidation, I am only able to take advantage of the ICR repayment plan. This repayment plan caps at 20 % of my discretionary income. The other plans ( which I can not take advantage of because this one parent loan was included in the consolidation ), would carat 10 %. I have tried to deal with Nelnet on this issue. Their bad advice is the reason I can not have the lower payment. Nelnet customer service said there is no way to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/21 I received a BoA email confirming a request to transfer {$100.00} to " XXXX XXXX. XXXX. '' I immediately called BoA and advised of the receipt of this email as it was a fraudulent request which I had not made. 
After being routed 4 offices, I landed at the Fraud Office. After I advised this office I had not made a transfer request, that Office advised that the Bank had received customer complaints about these fraudulent requests. In accordance with this office 's request, I forwarded the fraudulent email confirming the fraudulent request to transfer {$100.00} from my checking account. 
Despite having this notice of fraudulent activity, BoA proceeded to deduct {$100.00} from my checking account and charged a {$3.00} service fee, On the evening of XX/XX/XXXX, I called BoA, and after being routed through 5 offices and advising of the facts indicated above, BoA has refused to credit my account for the {$100.00} improperly deducted. 
BoA has not provided information on the whereabouts of the {$100.00} improperly deducted from my checking account. I advised BoA of my desperate need for these funds to pay for my groceries, but to no avail.

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 2022-09-02
Company: SG and Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account name : STAFFORD GROUP ASSOCIATE Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. The information is inaccurate. Stafford Group is unable to produce authentic proof for loan obained by me. Yet they are not correcting the issue. Nor is XXXX who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to Stafford. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. Both parties ( XXXX XXXX and Stafford ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied or received the debt. Both these companies have or made no effort to collect this debt from me. I challenged it to both of them so many times. Neither are they providing proof, nor collecting. Straight reported to credit beureo. If it is genuine debt, why are they not contacting me? Stafford is victimizing me. As a result, my applications for Credit card are being denied due to Stafford 's illegal reporting of debt on my account. I would like to amicably resolve this and get off my credit reports from 3 beureus. Otherwise I will have to exercise my right to sue Stafford and XXXX XXXX at a court near 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 2018-02-18
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:
Frauding scams frauding my XXXX and XXXX and XXXX documents in XXXX PA shown fraud scams in XX/XX/XXXXtime frame using XXXX XXXX XXXX worker Then others frauded my XXXX familys documents with XXXX XXXX None of those documents are from Pennsylvania state None live in Pennsylvania. State of any of these years Last time I was in Pennsylvania state was XX/XX/XXXX time frame But I went to XXXX XXXX XXXX in XX/XX/XXXXfor 9 months before moving back to XXXX Indiana Indiana Others put in XXXX Pennsylvania frauding my XXXX Indiana high documents Federal not interested in Pennsylvania state and federal refuse any date offers from Pennsylvania state and won't marry into the state.. 
Pennsylvania state didn't own new York state one health department of XXXX XXXX XXXX from new York state of my birth father, Pennsylvania state doesn't own my XXXX   county Indiana birth certificate attached to XXXX Indiana Indiana serial numbered documents of superior court of XXXX county Indiana, Pennsylvania state don't own my family 's XXXX serial numbered documents of XXXX Indiana attached to my grandma documents of prior home deed and marriage and divorce serial documents Frauding scams frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania state is not the owner of my grandma grandma or mom 's documents of XXXX death record and my great great grandparents have never lived in Pennsylvania state. 

Frauding scams using death record of XXXX XXXX married to XXXX XXXX sir name of XXXX a XXXX Indiana corners record and there last home which they owned was in XXXX AZ, but both barried in XXXX Indiana serial numbered grave and as serial numbered corners records.. private furnal..

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 2022-09-02
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Mt bank Hi ; I need to open a dispute/chargeback for 3 transactions made with my XXXX debit card ending in XXXX. The seller never sent the merchandise to my address and also never provided any kind of tracking or delivery information, also I tried to contact the merchant to get that information but they never answered or replied the several calls and emails I sent to them. 

Transaction 1 : XXXX, posted on XX/XX/XXXX, It was a tablet XXXX XXXX, must be delivered on or before XX/XX/XXXX. 

Transaction 2 : XXXX, posted on XX/XX/XXXX, It was a Tablet XXXXXXXX XXXX XXXX  must be delivered on or before XX/XX/XXXX. 

Transaction 3 : XXXX, posted on XX/XX/XXXX, It was XXXX table accessories, must be delivered on or before XX/XX/XXXX All the goods must be sent to my address on profile, XXXX XXXX XXXX, apt XXXX, XXXX PA XXXX The seller never provided a tracking number or delivery information, I tried to reach them several times by phone and email without any answer.

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 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and 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 2022-09-02
Company: Experian Information Solutions Inc.
State: IL
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 XXXXccounts : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a copy of my consumer report for a rental property. TransUnion is reporting adverse information of convictions of crimes which antedates the report by more than seven years. That is a violation of Title 15 USC 1681c ( 5 ).

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 2018-02-17
Company: EQUIFAX, INC.
State: GA
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:
Equifax, XXXX, and XXXX  will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I tried to send XXXX Bitcoin using Coinbase.com mobile app and the app responded saying that it failed to send the payment and to try again. I then went back and tried to send it again and it sent 2 payments, totalling XXXX Bitcoin. 

The Bitcoin address which the payment was sent to is : XXXX I then contacted Coinbase on the XX/XX/XXXXabout the issue and they responded 8 days later ( XX/XX/XXXX ) saying XXXX replied : Hello and sorry for our delayed response. 

Which did n't resolve my issue in the slightest and did n't even address the matter. I then replied to that asking for the issue to be sorted in which I never received a reply. 

Forward to the XX/XX/XXXX in which I wrote to them again asking for the issue to be sorted and once again received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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, the following accounts 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. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, the following accounts 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. 

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 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

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 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This delinquent account record is inaccurate because I dont recall making a payment late. Under the Fair Credit Reporting Act, I have the right to request method of verification of the creditor reporting the late payment. I request proof that I am indeed the party you are reporting the late payment for from the creditor validating the evidence of this late payment reporting. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ( AccountXXXX XXXX XXXX Account # XXXX ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-12-13
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested documents for verification from Convergent Outsourcing ( a third party debt collector ) to validify an alleged debt. I received documents from Convergent Outsourcing and the very first document stated that I did owe the debt. According 15 USC 1692b ( 2 ), that is a violation of the FCRA. I also notice on one of the documents that I later received that the alleged debt is associated with an address that I have never lived at. I have currently sent a dispute to the third part debt collection agency via certified mail and I'm currently waiting on a response. The documents ( Affidavit of Truth and invoice ) were received by the company on XX/XX/2021.

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 2018-02-05
Company: Bread Financial Holdings, Inc.
State: WA
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:
On XX/XX/XXXX my XXXX Credit Card account was breached and charges were made to my account. XXXX acknowledged the breach and refunded the funds to my account. On XX/XX/XXXX I redeemed points for cash on my account and noticed there were points used to purchase " XXXX XXXX XXXX XXXX XXXX XXXX '' shipped to XXXX XXXX XXXX XXXX OH XXXX. This purchase was executed on the same day of the breach XX/XX/XXXX. The CC breach consisted of a XXXX purchase of a laptop which through my investigation was shipped to the same address. On or about XX/XX/XXXX, I requested XXXX credit my rewards account the XXXX ( which is equivalent to {$230.00} ). The fraudulent points purchase was the same day as the fraudulent credit card purchase. XXXX has acknowledged the points fraud occurred the same day the credit card fraud occurred but decline to replace the points. I have appealed their decision 2 times and then sent it to the BBB to which I received a letter acknowledging the breach and the correction of the CC charges but denial to credit back the XXXX points. Coincidentally, the shipping address is 13.8 miles from XXXX. Additionally, they elude to the breach being a result of something I did. I access my account through a protected, firewalled system because I own a business that is regulated by the SEC and the Insurance industry. I believe the breach occurred from internal mishandling of information, which resulted in the breach of my online username and password which allowed the criminal to logon to my account, change my mailing address to the address listed above in OH and then order products shipped to that address. When I asked XXXX for the IP address from which the person logged onto my account they declined to provided, I can only assume to protect themselves from a MAJOR breach announcement, I can also only assume this is no an isolated incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I have attached tracking # of the letters that I sent to the credit bureaus along with the credit reports showing the inaccuracies. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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.

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate, and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts XXXX  XXXX XXXX XXXX XXXX XXXX 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