BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The issues have been ongoing since making the decision to do the spousal consolidation years ago. The loan was first serviced by XXXX and then Nelnet ( present servicer ). After the spousal consolidation, we divorced. For years, over 12 years, I have attempted to obtain specific details on the loan. Years of calls to both providers and being told that I have no rights to obtain information on the loan ( MPN, payment history, loan details in terms of what was mine and what were his at the time of consolidation ). I am told that he is the " primary borrower '' and I am a " co ''. I have asked repeatedly how I am held accountable for the loan and how it ends up on my credit report when he does not pay his half payment monthly per our divorce settlement agreement, which has no weight in any of this disaster. My ex-husband has been permitted to defer the loan multiple times without my signature or even notification to me by the providers. He has missed multiple payments which have resulted in additional interest, putting me further in debt to this loan by increasing the outstanding balance, etc. I have had ZERO rights yet I am held responsible by these providers. I have paid my half of the monthly payments continuously which Nelnet last verified for me on the phone on XX/XX/22. I asked for the documentation stated above to be mailed or emailed to me. I have been told that I can not have it because I am not the primary borrower. I have no access to the online account and have been denied this ability. I was told on XX/XX/22 that my ex-husband reported to the provider he is in the process of consolidating. How can he do any activities without my authorization? I want Nelnet to finally release all records to me involving payment history, the XXXX, and documentation of the loans prior to the consolidation in order to know what I brought into the join consolidation. I have worked for the XXXX XXXX XXXX for over 18 years and have no ability to apply for forgiveness. I receive a statement monthly, which was not for the duration of time they were involved, and can only see that he is not paying. I have every right to the information since I can be held liable and have continued to make my half payment the entire time. I have kept all of my notes for years in the event I can file some type of lawsuit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2023 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 explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: MO
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-05-05
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
I recently received a copy of my credit report and found proof that Caine & Weiner is illegally reporting inaccurate information about me. The following alleged collection account is listed as being open. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have a right to a completely accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive 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 2018-01-23
Company: Experian Information Solutions Inc.
State: AZ
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:
On XXXX XXXX, 2017, my Experian credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : 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 I realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: FL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2020-01-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Myself and wife applied for a mortgage with Chase in XX/XX/2019 during which we were in the processing of securing a property. After a long search, our offer was accepted in XX/XX/2019 for the XXXX property. We secured Chase as our lender and deposited {$500.00} to lock our rate. The rate included lender credits on the points which we were really happy about. Unfortunatley, the closing fell apart during attorney review as the seller  's attorney was not cooperating in providing the condo documents which would be required for Chase. As such, we were aware that the {$500.00} would not be refundable. We continued to look for other properties and luckily we secured a 2nd property for which we returned to Chase to resume the mortgage process shortly after XXXX. We spoke with XXXX for which he advised that the {$500.00} deposit would be refunded and they will try to ensure that we would have a similar deal to what we previously had. XXXX promised a call that following Monday but he was unexpectedly out of office. We then spoke to a XXXX who ran our credit once again and gave us a rate which included points that we would pay. Myself and my wife asked that to not have points. Chase then went ahead and asked us to go to a competitor who can give us a better rate so that they can match it. I found this to be deceptive as i was promised by XXXX that they would do whatever they can to provide us what they originally did in the 1st property. After several emails my complaint was escalated to several individuals from an " escalation department ''. All of them resorted back to the fact that due to the policy i would not be refunded. In addition, they made claims that i even went thru an appraisal which i did not! Each representive i spoke to showed no lack of care and dismissed my reason to ask for the refund. Furthermore, they said that if they refunded me, they would have to refund everyone else. They said they did not care about me closing my accounts with Chase. I demand that someone from the Executive team reach out to me to personally apologies and give me a full refund of {$500.00} due to the deceptive pratices by the Chase Home Lending team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account has been closed since XX/XX/XXXX. It is now XX/XX/XXXX and every time I call, I am told to continue to check the mail for the returned funds without any definitive answer of a check # or an amount that is being returned. This is a large amount for me and it is severely affecting my personal and business life. I need the funds returned immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2018-01-23
Company: HSBC NORTH AMERICA 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: Account information incorrect

Complaint:
I contacted XXXX XXXX XXXXXXXX several times, in person, over the phone and through email for almost year starting XX/XX/XXXX. This company refused to fix the error made on my credit report. Despite this company admitting their errors ( please see attached documents ), the refused to remove the item from my credit report. They have damaged and still is damaging my credit causing me to lose a lot of opportunities. I have filed a complaint with CFPB before Complaint ID : XXXX and through BBB ( complaint ID : XXXX ), but this is to no avail. This is my last effort to fix this issue and I am attaching a copy of my XXXX which I am ready to file if this company still refuses to fix their errors on my credit file. Please see all attached documents that I will use as proof of this company 's negligent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received two unauthorized pre-paid cards ( 1 ) XX/XX/XXXX and the other XX/XX/XXXX of 2022, in the mail via CashApp. Both have my address and full name on them. I have never signed up with CashApp prior to receiving these cards, for some reason you need an account to talk to their customer support, which is in app and then they email you for further assistance. I have reported these cards there. I have not received a response from this company in regards to if these accounts will be terminated. I don't know the extent of what info is needed to gain access to create a pre-paid debit card through their app. I am concerned that this will continue to happen and I will have multiple cards sent under my address and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: AMERICAN EXPRESS COMPANY
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:
I observed notable discrepancies in the reporting of two specific accounts affiliated with American Express ( AMEX ) across my credit reports from the three principal credit bureaus : XXXX, XXXX, and XXXX. These inconsistencies not only raise concerns about the precision of the reported data but also the legitimacy of the account status. 

Specific Concerns : Date of Last Activity Discrepancies : For the account ending in XXXX, the reported date of last activity varies considerably : XXXX lists it as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. 

The account ending in XXXX also has differing dates : XX/XX/XXXX as per XXXX, XX/XX/XXXX according to XXXX, and XX/XX/XXXX by XXXX. 
Creditor Remarks Discrepancies : The remarks across bureaus for both accounts differ. For instance, XXXX mentions " Charged off as bad debt, '' while XXXX includes details like " Account has been closed due to inactivity '' among other remarks. 

Question on Debt Status & 1099-C : Both accounts are reported by AMEX as having been " charged off '' and " reported as a loss by the credit grantor. '' Intriguingly, during a phone conversation with an AMEX representative on XX/XX/XXXX, I was informed that the debt was charged off on XX/XX/XXXX. However, the same representative confirmed they can not provide a 1099-C form for these accounts. The 1099-C form typically indicates that a debt has been canceled, making its absence concerning given the reported status of these debts. 

Actions Taken : In XX/XX/XXXX and XX/XX/XXXX, I utilized the online dispute mechanisms of XXXX, XXXX, and XXXX to address these inconsistencies. 
Between XX/XX/XXXX and XX/XX/XXXX, I communicated with AMEX 's credit reporting and dispute resolution department multiple times, seeking both clarification and rectification. 

As of XX/XX/XXXX, the discrepancies remain unaddressed, leading to my decision to escalate this concern via this complaint. 

Given the discrepancies and potential inaccuracies, I earnestly request a comprehensive investigation. If validated, I seek the removal of these accounts from my credit report to ensure accurate representation of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: NV
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:
Someone has opened fraudgulent accounts under my name to get good t that is effecting me negatively. I have tried to work this issue out with the credit bureaus I have even went as far as adding a fraud statement on my credit profile. The creditors along with the credit bureaus has allowed inaccurate as well as unauthorized accounts to be added to my credit profile and the accounts do 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 non-monetary relief
Consumer complaint received 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had a Capital One credit card that unfraternally went default due to a hardship that I am going thru. The account went charge off, I called Capital One with the hope to get a resolve my balance and prevent any legal collection. 
During my call with Capital One I explained my situation and they offered the option to settle the account for less than the balance, I told them I could get a family loan for {$2000.00} dollars, the Capital One representative answered he cant settle for that amount but will ask for an approval, He asked for some for Capital One approval or decline my offer. 
After a few days of waiting, I called Capital One asking for the decision of my offer, but I was informed that the account was assigned to a Law Firm. 
This Law Firm is named XXXX XXXX  XXXX, so I called them but when I first called, they didnt have the file set up, so I just left my contact information. 
A few days later this Law Firm called me. At the beginning of the call the representative informed me that he was a debt collector, not an attorney. I asked if the company was a debt collection agency or a Law Firm, due to the activities they perform he clarified they are not attorneys, but they are debt collectors. 
In this initial call, the representative asked how I can pay the balance, but I explained that I was not able to do due to my financial crisis and the hardship I am going thru. I informed him I can get a family loan to settle the debt and I was waiting for Capital One approval of my offer before they sent the account to his office. At the end of the call he clearly threats me with a lawsuit because we did not meet in an agreement. 
A few days later, I received a second call from the same law office/collection agency, The representative asked for a payment in full and this time the pushed me hard to pay off the debt, for second time I explained my financial situation and this time the representative asked for my monthly income, expenses and the source of the income. After I answered all his questions about my financial crisis, the representative suggested that I was lying, and my answers do not make sense to him ; It was not a nice call since the collector called my layer. I asked to the collector if he can forward and show my offer to his client ( Capital One ) but he responded that was not possible because he was expecting to collect the entire debt and for second time, I receive a threat that I will get suit since I could not pay the debt.

Company response to consumer: Closed with explanation