BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: VW Credit
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have previously sent this collector a request on XX/XX/XXXX to validate this debt as well as sending a letter to XXXX  and XXXX. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you they I allegedly owe you. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them. 

Since they are still reporting this account on my credit report, they are now in violation of the FCPDA. This account is also past the statue of limitations as it is reporting as opened XX/XX/XXXX, which has surpassed 5 years and this collector has reported this as a charge off but once I disputed it they changed the balance from {$0.00} to {$6600.00} stating this is the balance owed as if theyre still coming after me, which is a violation of the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-07-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/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 non-monetary relief
Consumer complaint received 2021-10-26
Company: AES/PHEAA
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 have filed a dispute in regards to the incorrect on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on XXXX   XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Equifax and XXXX refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: OR
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 account numbers listed below 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. These entries are not authorized and incorrect : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are inquiries that were not approved and i did not give my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-04
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a loan through Nelnet that has not qualified for any of the covid programs. 

On XX/XX/XXXX, I received a phone call from Nelnet explaining that the company they purchased my student loan from ( years ago ) had miscalculated my monthly payments. My loans are due in 6 months and they are now dividing my remaining payments up for the remaining amount, which ballooned my payments from {$110.00} to {$1100.00}. My only options are refinance or pay it off. I was told I could also call for forbearance with no issue other than an annual phone call required. 

I called Nelnet back on XX/XX/XXXX after digesting this information, and asked them to send this all to me in a letter. I was informed that the previous caller was wrong and this agent would submit a form and I would continue with the lower payments, and letters with this information would be sent. 

I never received a letter. I checked my Nelnet account on XX/XX/XXXX, and was shocked to see that they had increased my auto pay amounts without my permission, to {$1100.00}. I called again, and this agent told me I do not qualify for forbearance, and my only options were to pay or refinance. She had no information on refinancing available and sent me to a government website. She said she would request a letter be sent to me by email, and it would arrive by XX/XX/XXXX. 

I called again on XX/XX/XXXX as I did not receive anything by email or mail. This agent informed me that a letter was sent on XX/XX/XXXX but takes time for processing and it " should '' arrive by XX/XX/XXXX. She said I don't need to make the large payments on XX/XX/XXXX when it's due, and it would probably be fine since I haven't received anything in writing and they shouldn't report to the credit bureaus. 

My first auto-pay that Nelnet increased XXXX my approval was taken from my checking account on XX/XX/XXXX. 

I received the emailed letter I had requested on XX/XX/XXXX. This letter took no responsibility for their part in my payments increasing XXXX. I have not yet received the postal mailed letter promised by XX/XX/XXXX. 

I am extremely fortunate that this is not going to cost me my house, food, credit, or absolute necessities. It just feels so wrong that a mistake by a huge student loan corporation can lead to such repercussions for me but not them. I have always paid on time at the amount that Nelnet calculated as due, yet I'm stuck with dealing with their mistake. I am concerned that I am not the only one this is happening to, and know others would be in a much worse situation with this kind of demand for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: ERC
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:
I have no knowledge of any of the accounts in my report. I have never had an account with any creditors reporting on my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions 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:
I have an item on my Experian credit report that is not mine and is adversely affecting my credit score. I have disputed the Item several times with Experian and they have not removed it from my credit file. The account is not mine I never authorized this account, I never signed for this account and I never received any goods or services from this debtor. The creditor, is a bank called XXXX, which I never had any dealings with. This account was opened by my ex husband without my authorization and I have filed an identity theft report with the FTC that outlines this account. The Bank will not talk to me about this account because it is not in my name, so why do they continue to repot it to my credit file? It is over 7 years old and should be removed from my file permanently.

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 2019-07-09
Company: EQUIFAX, INC.
State: MD
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:
XXXX  is reporting incorrect and damaging account info on my report. The fraudulent account : XXXX and XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX ; XXXX. XXXX alleges and XXXX  is incorrectly reporting an account with a balance of {$690.00}, opened XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: MI
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 submitted lease payments via my banks electronic bill payment system on XX/XX/20 and XX/XX/20, which were both paid timely. These were the first two payments made on a new lease, and due to an accounting error by the bank ( they were going through a merger at the time ) the payments were made to my previous lease account. 
I did not become aware of this until I received a statement from XXXX XXXX indicating that I was in arrears on my lease payments. 
I contacted both XXXX and my bank ( XXXX ) to determine what had happened because I had confirmation of the payments being made by the bank to XXXX. 
After several calls to a call center, apparently the error was found and the funds were reconciled to the proper/current lease account. The reconciliation took place on XX/XX/20 according to XXXX XXXX records. 
my problem/grievance is that even though the problem has been addressed and rectified, XXXX has not corrected the information it forwarded to the 3 credit reporting bureaus, and now they all report my credit rating as lower by a significant score. 
I want the record corrected, and my score prior to this error, reinstated.

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 2020-07-19
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I authorized XXXX  to save money for me and PNC is no longer allowing XXXX  to have access to my account! I've been using XXXX for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Incomm Holdings Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I brought a {$75.00} prepaid vanilla visa card at XXXXXXXX XXXX  on XX/XX/XXXX Friday I login on to website signed in at it said under status being processed but on the the receipt from gas station it's saying active and the I tried to re login back to site and it is saying system error.So as of XXXX XXXX Tuesday morning XX/XX/2022 the card does not work I tried phoning the number but no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2019-07-08
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I received the debt collection letter for {$780.00}. The creditor is the apartment I have moved out 5 years ago and I have confirmed that I didn't own them any amount when I was moving out that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
PNC is not allowing XXXX  to have access to accounts. 
I tried to sign up, but the issue is at PNC 's end. 
This bank should allow information-pass through to XXXX so end users can use this service with their PNC accounts and thus have another line of protection since XXXX generates unique credit card numbers and I think ( in my case ) can limit fraud occurring. XXXX cards can also have set limits placed on them, unlike traditional credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-07-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I open up four cds account with US bank for over $ 30k over ten years.i didnt close my account or withdrawn the balance.i just left my funds in the bank and didnt made too much contact thinking my funds is safe.i just discover the bank have no record of my account and they didnt sent my funds to unclaimed property.i currently still have a saving account with them and on my profile they have no trace my account even exists, my last 1099 I received was in XX/XX/2010and I moved XX/XX/2010, the bank is saying maybe I closed my account and its my fault because I should have been checking my account and they dont have to anything since my account is over 7 years old

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 2020-04-28
Company: Ridge & Valley Realty, Inc.
State: CO
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:
I wrote and sent a letter ( next day air on XX/XX/2020 ) to the Compliance Officer or credit reporting division, to request A Deletion Letter or affirmation stating that the account with CREDIT SYSTEMS INC would be removed with the credit reporting agencies. I called XX/XX/2020 to see if a decision was made and very rudely I was told " NO, that they could not accommodate this request '' ... Even though it shows " paid in full with a XXXX  Balance '', this is still affecting my credit scores among all 3 agencies. They also said " a paid in full letter was already sent out '' ..., but that was from a XXXX correspondence back from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Despite the fact that I filed for bankruptcy, XXXX XXXX XXXX is contacting my relatives in an attempt to collect on a debt that has already been discharged in Chapter XXXX bankruptcy

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 2020-04-28
Company: COMMERCE BANK
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
A charge was made on a credit account that was already closed for inactivity. When I got the bill I sent letters advising the financial institution that the charge was fraudulent. 
The institution continued sending letters and masking phone calls and totally ignoring the letters regarding the fraudulent transaction and the billing on a closed account. 
When speaking with them on the phone they would tell me I had to report it to the fraud department. Then I would be put on old for long periods of time. 
They ae continuing to send bills and make phone calls. 

In an agreement reached by phone with their representative I paid the initial charge of {$99.00} to resolve the issue and close the account. I made that payment but the Commerce Bank is still sending me bills and calling me. 

I have never been successful in reaching their fraud department. Written communication will not reach them and when I'm transferred on a all I get put on hold and never get to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am curious if the credit reporting company stated that it was taking this long to do something because I was the son of XXXX XXXX would you except it? I got the information from the bank for Trans Union. I called Trans Union and ended the dispute. I did that because Trans Union could not look into my case while the dispute was open. So I ended the dispute and they made a notation to my credit report. But they failed to remove the notification of the delinquent report. They have continued to blame XXXX XXXX  for this erroneous report. So lets keep this simple. I am requesting a copy of the report that XXXX XXXX  sent and or around XX/XX/XXXX stating that I was delinquent on a payment of XXXX.My guess is they wont be able to produce one because XXXX XXXX  has told me repeatedly that they have never submitted one

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 2019-07-08
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council
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 status incorrect

Complaint:
In XXXX I attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I gave birth to my child, which left me XXXX! In XXXX I was on XXXX  XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XXXX for my loan to be XXXX. I kept telling them I was XXXX XXXX, they would send forms for my XXXX to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX to repair my credit. In XXXX - XXXX I got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and XXXX! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX

Company response to consumer: Closed with explanation