BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/XXXX - My Auto-pay is set up. 
The Amount is " Locked '' to be the Standard payback ( 10 years Amortization ) Their explanation of the payback amount mentions details on payback, one of which is " make an Extra Payment '' - outside of this simple mention of that option there is no where on the web-site to find this adjustment nor how to make this adjustment. 

I want to send an email asking but they post that they are super backed up so do not expect a timely reply. 

I want to call- well, I live overseas so this is difficult though I will try. The point is that I should NOT have to call for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : XXXX XXXX XXXX XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX- XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Comerica
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2019 I went to the local XXXX and made a purchase with my Direct Express debit card on which I received my XXXX benefits. Upon completion of the transactions I left my card in the card reader. Someone got my card and in the next few hours made 5 purchases, running my debit card as credit, totaling {$160.00}. As soon as I knew what had occurred, I contacted Direct Express and filed a dispute. Over the next six weeks I filed a police report, contacted management at XXXX and filed the written dispute required by Direct Express. After almost 60 days i received the decision from Direct Express denying my claim. Their decision seemed to be made mainly on the fact that I have the Direct Express app on my phone, which I do not, and that I have my phone number attached to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting 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 by Goldman Sachs # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 have no knowledge of these hard inquiries these inquiries are a result of identity theft these hard inquiries must be removed no later than four business days as per 15 USC 1681 c-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-31
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
on XX/XX/2023 I was driving, and I got a ride request through XXXX. once I reached to the pickup spot two person, I picked up they rob my phone and run away the phone was unlocked. In phone my all kind of information was there. Using my identity, they open credit card on my name and used money and also transferred money through XXXX and send. 
money by apple XXXX and parched item using my credit card from my phone in XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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 reporting act XXXX all accounts on my report showing negative standings old and new have violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. SECTION 604 A. SECTION 2 also states a consumer reporting agency can not furnish an 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 have received more then XXXX inquiries and credit card on my account within last then a week, My information was leaked and someone is using my profile to apply for credit cards below is a list of everything I did not do and I will like to have all of these items removed off of my account ASAP THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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  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 2023-07-29
Company: EQUIFAX, 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:
I was sent a letter from the XXXX XXXX XXXX Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Wells Fargo was notified that the property taxes due weren't paid so the lender went and made a payment in the amount of {$1400.00}. In addition I also made a payment to the XXXX of XXXX, MA for the taxes due. The City stated that the extra payment made will just be applied for the tax payment due in XXXX. In or around XX/XX/XXXX I called servicing to request a final payoff in which I wired the amount that they quoted me. During my call I never told Wells Fargo to stop the automatic payment for the {$1000.00} that was coming out of my bank account bi-weekly. The automatic payments should of continued until the account was paid off in full. It wasn't until I heard back from Wells Fargo on XX/XX/XXXX that the payoff amount I wired in wasn't enough to pay the account in full although the amount I sent is exactly what they quoted me over the phone. In the month of XXXX, XXXX and XXXX, XXXX Wells Fargo reported me late with the credit bureaus. I first took out this mortgage loan in XXXX of XXXX and wasn't late with a single payment. It wasn't until Wells Fargo quoted me the wrong payoff amount and didn't inform me that my autopay was stopped that caused me to be in this situation. These 2 errors made by Wells Fargo led me to be late on my payments and they never took accountability for 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 2022-10-07
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This company Shellpoint Mortgage Servicing doesn't report my monthly payment on timely manner. Today is XX/XX/2022 and they still have not reported myXXXXXXXX XXXX  payment as no data on my XXXX credit report. My credit score hurts for their delay every month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a monthly subscription with XXXX XXXX. I am charged {$77.00} per month. Beginning in XXXX this year they are charging me 2x a month. I have attempted to reach them but there is no way to speak to a live person or email them. I have XXXX this over and over. So I went to my bank, Wells Fargo, and asked for them to dispute these. Well now after 4 months of this they are reversing those provisional credits stating that XXXX submitted invoices proving such. Well I asked for copies of those and copies of all emails to me with those invoices. They said that XXXX said this was for paused services. I have never paused such, and why would I if I would be charged {$150.00} for such? Makes no sense and I did not authorized any of the 7 extra charges to my checking account via my debit card. That is {$540.00} that I want back and I told them to file this as fraudulent billing and they refused. I have filed a complaint with the FCC on XXXX XXXX for such and now this. I did not authorize any additional charges with XXXX. I did not pause my service with them and I have XXXX communication from XXXX or Wells Fargo showing where they claimed I did. These charges are fraud.

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 2021-02-28
Company: Experian Information Solutions Inc.
State: LA
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:
Never received a debit validation letter to prove its by debit or letter with my signature stating that I agreed to the contact needs to be removed off my XX/XX/XXXX and experian accounts 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 2023-08-31
Company: Uplift, Inc
State: SD
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
RE : Uplift , Inc. 
Loan # XXXX I sold some property, and the Title Company sent Uplift , Inc. ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) a payoff for my loan ( account number XXXX ) with Uplift from the proceeds of the sale of the property. The Title Company sent a check in the amount of {$550.00} which created a credit balance of {$58.00} on my account with Uplift. On Tuesday, XXXX XXXX, the date Uplift received the payoff check, they ( Uplift ) sent me an email stating that they received the payoff check and there was a credit balance of {$58.00} on my account. The email went on to say that they would issue the refund check back to the Title Company and that they would not send me the refund check. I called Uplift ( XXXX ) and spoke with several representatives. I was told that it is their company policy to send any refund to whoever wrote the payoff check and that they would not send the refund to me. 

After several additional calls to Uplift, I finally received a call back from a supervisor named XXXX. XXXX again gave me the same response that all of the other representatives gave me and restated that it is their company policy only to issue refunds to whoever wrote the check, not the actual account holder. She finally agreed that if the Title Company sends them an email giving them permission to send the refund check to me the Uplift account management team would review that request and consider sending me the refund check.

In speaking with the Title Company, they advised me that they are starting to see this tactic from banks who are in financial stress as an effort to keep customer money in their accounts. They advised me that when this has happened in the past checks are mailed to them with no customer information and that it can take them months to figure out who the refund belongs to. In the meantime, these checks remain uncashed or are never cashed so the banks like Uplift retain these funds. 

I am asking for your assistance in addressing this concern. 

Sincerely, XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Home Phone : ( XXXX ) XXXX Cell Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/202XXXX XXXX  reported that my prepaid XXXX XXXX card has a debt of XXXX to experian and XXXX and a debt of XXXX to XXXX stating the information is correct when I filed a dispute. On XX/XX/2023 I called XXXX  to see what was going on to which they stated there is no debt on my account. They wrongfully reported debt to the agencies mentioned then proceeded to give excuses why they would fraudulently report said debt.

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 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
it happened that i noticed some fraudulent activity on my bank of America account. after i disputed the charges through bank of America, they advised me to open a new account so they transfer my funds to my new account and close the old one. i agreed and they did that fund transferring from the old to the new account. i have called bank of America maybe XXXX XXXX time to close the old one so i do not receive notification email regarding the old account. theses repeated requests all were ignored. after around XXXX months later i received a call from XXXX XXXX XXXX informing me that they will close my account with them due to a XXXX  report from Bank of America STATING I HAD account Abuse. I was shocked because i have been a very excellent customer to Bank of America since XXXX after another XXXX calls to this bank, finally an agent explained to me that the bank itself has committed a mistake by overcompensating me an amount arround XXXX on one of my DISPUTE claims. then for correcting this problem Bank of America decided to correct their mistake by reporting me to XXXX as an account Abuser, instead of informing ME that i was overcompensated and should return that money to bank of America. Very interesting!! as soon as i found out about that charge i paid that balance right away and bank of America promised to remove that report from my XXXX. but they only updated the balance to XXXX. and now I AM UNABLE TO OPEN A NEW ACCOUNT WITH ANY OTHER BANK and that is because Bank of America agents are IRRESPONSIBLE.

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 2022-10-06
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, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 a section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

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 2021-02-28
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am submitting a second complaint regarding Medical Data Systems. They claimed in the first complaint that they addressed the issue and supposedly provided attachments. However, the attachments did not address the issue at hand or the reason for the complaint. MEDICAL DATA System is the collection company for XXXX XXXX XXXXXXXX system. I had an allergic reaction to medications and was told by the ER to return because the first time they provided treatment was not adequate. Hence, they charged my insurance and an ER copay 2 times for the same issue on 2 different dates for an issue they did not provide accurate attention. Furthermore, I had to go to another hospital on the same day because they medical condition was not adequately handled. I was told I would be charged 2 ER copays for the same in adequate treatment. I have contacted the hospital, and it is never handled correctly. What else is there to expect!! These accounts need to be deleted from my credit report. HOW CAN THE HOSPITAL CHARGE 2 COPAYS FOR THE SAME CONDITION that was not treated correctly- back to back. LOOK AT THE DATES>

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 2022-08-30
Company: CAPITAL ONE 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:
THIS ACCOUNT IS BEING REPORTED AS A CHARGE OFF WITH A BALANCE OF {$7300.00}. THIS IS A CLEAR VIOLATION OF MY RIGHTS UNDER THE FCRA AND FCRPA. BALANCE IS ALSO BEING REPORTED AS INCORRECT AND NOT IN AGREEMENT WITH THE OTHER TWO MAJOR CREDIT BUREAS.

Company response to consumer: Closed with explanation