BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: Nelnet, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not aware of this debt owed. I just received a notice through XXXX  an account was placed in collection. There isn't an account number listed so XXXX will not allow me to dispute the debt. How could an account just be placed from a 3rd party that does not include an account number, does not include of a full name of the agency and without any notice to me.?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TCF NATIONAL BANK
State: MI
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 was victim of fraud. Someone used my debit card info and made purchases close to {$10000.00} and I have filled dispute with TCF bank. TCF first gave me money back then they took my money out of my checking account. I asked them what is happening and they reopened the claim. This has been happening since XX/XX/2018 and they just keep asking me for same documents over and over again. Ive sent them 4 times proof that I was in XXXX when this fraud happened, my affidavit and police report. Since then they just keep telling me that my case is under review and not giving me resolutions date or anything. Can you please assist me in getting my founds back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
State: AZ
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 had called XXXX back in XX/XX/2018 after my wallet was stolen to report my card as stolen and to inform them that there had been fraudulent charges made on my account. The employee that I spoke to said that he would get it taken care of. The next month I went online to check the status of my account, and it still showed the charges on the account. I called again to figure out what was going on, the next employee I spoke with said the same thing " we will get this taken care of ''. Next month, the same situation so I called once again, this time the employee is telling me to make a payment. I can't believe it, they still haven't fixed this problem AND now they're telling me to pay for charges I haven't even made ... I made the payment just so I wouldn't have my credit report getting a late. The next month comes around and now I have a 30 day late on my report as well as the balance on my account showing as DOUBLED. The original {$300.00} in fraudulent charges how now turned into {$690.00}. I called XXXX again repeating the situation and the employee tells me they are still working on it, although it shouldn't take longer than 90 days from the day I originally reported it. Well its already passed 90 days at this point ... No solution has been made to this day. I don't want anything to do with this company, please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not sure of what actually happened. Ive been monitoring my credit lately and seen an account I was unaware of. Based on the details I cant even determine what type of debt this is and how did is get on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
State: MO
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:
Two accounts are constantly being reported to the credit agencies inwhich I'm disputing due to the fact they're not mines. I'm within my consumer rights to ask that you the credit reporting agency to block the following accounts from my report. The accounts are XXXX XXXX XXXX, and 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 2018-12-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am a mortgage customer with XXXX XXXX XXXX. I paid my payment on XX/XX/XXXX, but it was reported lat to the credit bureau. I received a letter from XXXX and Signed Verification of Mortgage that it was corrected and that payment was made on-time. Then I filed a dispute with Equifax. They did not correct the issue and said XXXX had to. I called XXXX and they said that they sent an updated payment history. The next week I received notice from Equifax that the investigation was compete. It was not changed. The week of XX/XX/XXXX, I filed another dispute with Equifax to correct the issue. at that time they closed the investigation, did not make a change to the credit history, however, they then reported a second late payment on the account. I called to discuss my case, and they told me to fax a copy of the payment history from XXXX XXXX Loans. I sent that signed report and payment history during the week of XX/XX/XXXX. On Sat, XXXX I received an email that the investigation was complete. I then received a notice that my credit report changed on XX/XX/XXXX. They reported that they received from caliber was on XX/XX/XXXX. -which reported my last payment made in XX/XX/XXXX. They are now accounting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late payments. i then called Equifax to speak weith somneone in the dispute department. They told me that they only report what they receive from Equifax and not from me. I spoke with XXXX id # XXXX in the Escalation Department who  refused to allow me to speak to her supervisor, but said she would only transfer me to another supervisor in her department. I then spoke with XXXX id # XXXX who also refused to transfer me and terminated the call. 

I paid my XXXX Payment XX/XX/XXXX and XXXX and XXXX Payments XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On my equifax account there is an address reported that 's not mine I 've never lived there ... Also when I people search my name someone else 's info appears along with mine ... Here is the address that appears ... XXXX XXXX XXXX XXXX XXXX, MO XXXX ... it 's the address of a XXXX XXXX aka XXXX XXXX and XXXX XXXX .... My 1st married name was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My debit card was hacked via PayPal several times between XX/XX/XXXX - XX/XX/XXXX with several unauthorized transactions made on my XXXX account. Duplicate accounts were made with my information. When I complained the charges were removed by XXXX. PayPal made unauthorized transactions to my debit card to match the fraudulent charges without my knowledge despite being in recent communication with them. That caused me not to have access to those funds in my checking account for 3-5 business days. 
I called to see why this was done and PayPal refused to give a satisfactory answer. They provided wrong information stating PayPal has never been hacked. They described making the unauthorized transactions as procedure. 
PayPal also denies their role in me being hacked. On XX/XX/XXXX I filed a complaint with the CFPB. Included in that complaint was demands that PayPal provide more information about the hack. I also demanded an explanation as to why my debit card was charged instead of my PayPal account. I also demanded PayPal explain why they chose to make unauthorized transactions to my debit card several times in the amounts I was hacked for without my knowledge. PayPal refused to provide appropriate answers, but instead chose to provide a statement about them having permission because I signed up. I followed up with a demand for a straight answer and PayPal ignored the demand as well as the CFPB. On XX/XX/XXXX my XXXX account was hacked the same way as my XXXX account. XXXX explained that a duplicate account was made using my information and was able to make an unauthorized transaction on my debit card. All of the hacks involved were done while PayPal was my payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-05-03
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau and XXXX XXXX XXXX are double reporting a debt. I recently looked at my credit and noticed this debt reporting on my credit file. This is a violation under the FCRA and this must be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
State: MO
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'm requesting that the following accounts be blocked from my credit report, I have stated before that I have no knowledge of the accounts and nor was I provided any physical verification of such. If the credit reporting agencies can not fix this situation. I will file suit and sue. The accounts inwhich I'm referring to is XXXX XXXXXXXX for the amounts of {$160.00}, {$140.00}, and {$110.00}

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 2021-03-25
Company: ENCORE CAPITAL GROUP INC.
State: UT
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:
Midland Credit is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit file and noticed this debt reporting on my credit file. I immediately called and settled this debt with them. I never received any letters, statements or calls regarding this debt. This violates my 30 day right to dispute under the FCRA and it is a violation. This must be removed from my credit. 
I am also aware that while this account is under review, you can not report this on my credit file. If any negative information continues to report to any of the three major credit bureaus this could constitute fraud under state and federal laws. Please remove this account from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Unifin 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:
I received a collection letter from a company called Unifin , Inc. They are a third party collection agency and say that I owe a debt to XXXX XXXX XXXX from late XXXX. 

If you look at my credit bureau you will see that I have paid all of the collections that were reporting as of XXXX of XXXX. If this was a valid debt I would have paid it. It is not. When I called unifin a few minutes ago they had dates but not where the alleged debt was incurred. 

This isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: MO
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'm requesting that the following accounts be blocked from my credit report, I have stated before that I have no knowledge of the accounts and nor was I provided any physical verification of such. If the credit reporting agencies can not fix this situation. I will file suit and sue. The accounts inwhich I'm referring to is XXXX  XXXX for the amounts of {$160.00}, {$140.00}, and {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was a XXXX  in 2011, I had a loan and checking account set up with Wells Fargo. I would constantly get changers overdraft fees for going over even when I asked for overdraft protection. 

I believe I was apart of 1  of the 16 million Americans that was overcharged on these fees and/or the interest on my account.

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 2021-05-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021, a 7 year old collection account disputed due to age. Account was successfully deleted from my credit report. I received an credit alert that a dispute was opened today XX/XX/2021 for the same deleted account which I did not initiate. The same day I received notification that the dispute was completed and the status was updated. The deleted account is now back on my credit report. I called and emailed Experian to resolve this with no answer. The account is too old to be on my credit report at all besides from it already being deleted once before. I shouldnt have to dispute this item multiple times a month. This is an unfair practice. I, XXXX XXXX XXXX authorize CFPB to look into this. I also authorize Experian to release my information to CFPB. I can be reached at 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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX {$700.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX  XXXX XXXX {$3800.00} XXXX  XXXX {$920.00} XXXX XXXXXXXX {$1200.00} XXXX   XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$2900.00} XXXX XXXX {$610.00} XXXX  XXXX {$34000.00} XXXX   XXXX {$28000.00} XXXX XXXX XXXX {$27000.00} XXXX  XXXX {$0.00} XXXX   XXXX {$610.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$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 explanation
Consumer complaint received 2021-09-02
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This follows my first complaint ( complaint ID XXXX ) against Bank of America filed with the Consumer Financial Protection Bureau ( CFPB ). Two employees of the Bank hiding behind the fake names of " XXXX XXXX '' and XXXX XXXX '' told me that my accounts and credits cards were compromised. To fix these accounts and credit cards, they asked me to move my money to new secure accounts they will established in the Financial Fraud Prevention Department of Bank of America based in Michigan. The Bank did not seriously investigate my complaint but rather engaged in a futile exercise which consists in reviewing my bank of America checking accounts. In an email dated XX/XX/2021 to XXXX XXXX ( see attached Exhibit titled " Response_XXXX_BankOfAmerica_XX/XX/2021 '' ), I made the case by providing several critical clues that " XXXX XXXX XXXX and " XXXX XXXX XXXX are employees of the Bank in the Financial Fraud Prevention Department based in Michigan . Therefore, to properly investigate my complaint, the Bank must send a skillful player to the Fraud Prevention Department in Michigan to audit the work done there and identify the two persons behind these fake names. " XXXX XXXX '' is a XXXX male and " XXXX XXXX '' is a XXXX  female. " XXXX XXXX '' is an Officer in the Fraud Prevention Department and the boss of " XXXX XXXX '' who works directly with him. My request for the Bank to audit the Fraud Prevention Department was dated XX/XX/2021 and was acknowledged by Ms. XXXX XXXX in an email dated XX/XX/2021 ( see attached Exhibit titled " Response_XXXX_XX/XX/2021'' ). Both XXXX XXXX and XXXX XXXX are Senior Resolution Specialists for Regulatory Complaints at Bank of America. Today is XX/XX/2021 and so the Bank has received my request for an audit for exactly two months and eight days. The purpose of this follow-up second complaint is to ask Bank of America to provide me with the results of that audit. To confirm or refute my claim that the two scammers are employees of the Bank, the Bank must carry out this audit of the Financial Fraud Prevention Department based in Michigan. I made it clear in my request that should the Bank refuse to carry out the audit, then it must reimburse the totality of the money stolen from me by these two scammers. A total of {$200000.00} plus accrued interest on the {$68000.00} gift card charges sitting on four of my credit cards. The Bank must respond to give me the results of the audit now.

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