BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX of 2017 my grandma called to tell me a debt collector had called her and said I was being sued for an old payday loan. I called the XXXX number she gave me and someone claiming to be with automated accounts told me I was about to be sued unless I paid {$260.00} and some change asap. As I recal the scammer had my social security number too. I paid {$260.00} with my debit card which is a prepaid card from XXXX XXXX. 

I did not realize that was a scam until a few weeks ago when the real creditor called me and told me it had not been resolved. I looked up the {$260.00} transaction in my records and googled the XXXX number associated with the charge marked as Regional. It came up as a common scam. 

So i disputed the charge with XXXX XXXX. They came back 2 weeks later and closed the dispute telling me it had been over 120 days since the charge so they could do nothing. 

I am going to cut up my prepaid cards and not use them anymore if they are not going to even attempt to recover my stolen money.

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 2022-09-05
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that these information are 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.

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 non-monetary relief
Consumer complaint received 2020-12-16
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:
Because I have been a victim of identity theft, I have acquired the most trouble in trying to sustain funds for everyday living during this COVID 19 pandemic. These unauthorized accounts have severely hindered me and my family. I am asking that all the accounts/inquiries listed in this report be removed from my credit report as soon as possible so I can provide for my family.

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 2021-02-09
Company: LEXISNEXIS
State: GA
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 have called and spoke with someone about this issue on the phone. I was told that my claim would be looked into and the information is still appearing on my record. This is not my criminal history being reported to companies when I'm trying to get employment. It's defaming my character and it's very embarrassing. I also have proof from XXXX stating the information they were furnished with came from LexisNexis about my criminal background. Furthermore, I wrote to LexisNexis and asked them to remove this error from my report again. I have not heard from LexisNexis as of yet. My letter was sent in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: American Credit Acceptance, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased the car over a year ago and the interest rate was extremely high, I called to get interest rate lowered to I have made all my payments on time and they said they did n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Credit 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 have been a victim of a scam by a music festival promoter XXXX XXXX of XXXX XXXX XXXX. I was excited to purchase my music festival 4-day package and wanted to be able to get the best package by being the first to do so. On XX/XX/XXXX, I purchased a VIP music festival package starting XX/XX/XXXX using my Navy Federal XXXX. On XX/XX/XXXX, while attending a different music festival at the XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, I got word from a friend who was enroute to meet me for the festival I purchased ; that our festival had been abruptly canceled due to XXXX XXXX mismanagement. This caused a tremendous amount of frustration and stress to say the least. My friend and I have both tried to email and call XXXX XXXX multiple times and still no response. We paid {$5700.00} for the festival that NEVER happened due to XXXX XXXX  NOT paying the hotel for our rooms. 



I have filed a dispute with Navy Federal Credit Union on three occasions, and each time my dispute has been denied. I am a XXXX XXXX XXXX XXXX  and have been with NFCU for 15 years or more. Each time I have been notified by messaging that my dispute has been denied due to it being outside of the timeframe, that NFCU do not have any charge back rights, as well as these regulations were set in place by XXXX. I find it very appalling that my dispute has been denied since my card has been issued by NFCU. Also, this event was a pre-purchased event, which my services were to be provided in XX/XX/XXXX and never received. If you can be of any further assistance, it would be greatly appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair vredit reporting act XXXX Account # XXXX, has volited my rights.

15 USC 1681 section 602 states i have right to privacy 15 USC 1681 Section 604 A section 2 : it also states consumer reporting agency can not furnish a account with my written instructions.

15USC 1668B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Nelnet, Inc.
State: MI
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 filed 2 prior complaints regarding this problem. The company did not answer the question the first time and its 2nd responses not correct. 

The origination date of my loans is XXXX. 

Origination is defined by the Federal government as " the date the funds were distributed to the school or the borrower. '' Nelnet has the date as XXXX. No FUNDS WERE DISTRIBUTED in XXXX  therefore it is NOT the origination date. 

Nelnet 's response was as follows : " The origination date is correct as XXXX  for the Consolidation Loan because that is when the funds were disbursed to you for the new loan. '' Let me be perfectly clear, NO funds were distributed in XXXX  to me or the school. Zero. No new loans were originated in XXXX. 

XXXX  was the date the loan was transferred from XXXX  XXXX XXXX XXXX XXXX XXXX and the loan was consolidated from one servicer to another servicer. NO NEW LOANS WERE ORGINATED OR DISBURSED TO ME OR THE SCHOOL IN XXXX THERE WAS NO NEW LOAN. 

Please correct the origination date to the date the funds were orginated and distributed directly to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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  {$2800.00} XXXX XXXXXXXX XXXX XXXX {$710.00}. 
XXXX XXXX XXXX XXXX XXXX  : {$2800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE 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:
Not my accounts showing on 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 explanation
Consumer complaint received 2021-02-09
Company: Home Point Financial Corporation
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: Account information incorrect

Complaint:
My mortgage lender Homepoint Financial incorrectly reported in XX/XX/2020 a late payment on my credit report. I have put in many dispute request and provided ample evidence to support this inaccurate reporting to the credit bureaus. Each time I put in a dispute, I rarely receive an outcome nor have I been contacted by a representative from Homepoint. I have placed multiple calls to Homepoint over the previous 6 months and each time I am either told I need to provide additional documentation in which has already been provided previously or told I will receive follow up in which never occurs. I have bank letters hand written and signed by my bank manager showing there were funds in my account at the time of the withdrawal in XX/XX/2020. Furthermore I have never had any negative reporting on my credit and always maintained a high credit score over 800. I have never been late paying Homepoint in my years having a mortgage through this company. This has drastically negatively impacted both my husband and I credit report and score. I am exhausted with this process and not sure who else to turn too regarding this matter. Thank you for your time and understanding. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Equifax exposed my personal data and that of my family. Now they are charging {$30.00} for a credit freeze necessitated by their own error!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}

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 non-monetary relief
Consumer complaint received 2019-09-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Made XX/XX/XXXX Mortgage payment at Branch XXXX at XXXX XX/XX/XXXX cash payment received collection calls that afternoon, evening and Friday through out the day. I called bank escalated call to be told payment received but was not posted. Zero explanation provided advised that department had gone for the day. Was advised posting problems occurring within banking system. XX/XX/XXXX and the payment still shows on wellsfargo site as received and UNAPPLIED. 
Well Fargo sent me a statement and it also shows payment received XX/XX/XXXX and UNAPPLIED. Its now been 10days that Wells Fargo has FLOATED my funds as prt of their cash flow because theyve FAILED to apply my money to my mortgage. I dont care that Wells Fargo claims they will properly apply my payment and ensure its properly reported to credit bureaus. I care that Wells Fargo has BORROWED {$1400.00} of my money and most likely countless others to bolster their cash reserve numbers without permission nor compensation to those of us whose money WellsFargo has high jacked.

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 2017-10-17
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I spoke to an agent over the phone with XXXX and sent out letters to the companies to delete inquiries that are not mines on my report. The agent would not help me and I did not get a response from the companies in writing, it been 45 days. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 explanation
Consumer complaint received 2019-11-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called the number that was provided to me to make payment arrangements to pay my debt for my last apartment.. 
I started receiving calls on XX/XX/XXXX about the debt and the money I owe.. I missed a call at XXXX from the rent collect company.. they later called me at work and demand that I pay the full {$4100.00} by the end of the month or they were going to ruin my credit. I wanted to work out a payment arrangement with them and they said they are not an arrangement company. I owed that money the day I moved out. I told them I could not talk I was at work and I could lose my job for dealing with it right then. Someone from the company called me again at work I want to say the next day in the morning.. I called them back on XX/XX/XXXX at XXXX am after they had called me at XXXX ... I spoke with XXXX and offered to pay XXXX a month ... she said that they were ready to move forward with collections and they have already verified everything.. After a very long not getting anywhere conversation I agreed to them taking XXXX a week but later realized I would not be able to pay any of my bills or my current place where I live I called them back in hopes that I could pay XXXX a week.. I talked to the supervisor and told her I feel the conversation I had with them yesterday was a little abusive and she went off on me and told me to get a lawyer and get the tapes. She said Im going to mark this account as refusal to pay..and ruin my life. I told her I wasnt refusing to pay.. I just need an arrangement that I can pay and still survive.. She told me good luck and hung up

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation