BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: Nelnet, 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:
XX/XX/2019 Nelnet XXXX. XXXX XXXX XXXX, NE XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : Dept of ED/ Nelnet XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XX/XX/2018 I got an email, and also a text from Chase asking if i had made purchases. The purchases were three transactions from XXXXXXXX XXXX online of XXXX. Total of XXXX dollars. I replied and told them I did not make the transaction so they closed that card and sent me a new one. I also spoke to a representative over the phone and told them I did not make the purchases. They canceled the card and the transactions. On XX/XX/XXXX I went to check my account and saw that they let the transactions go through. I then called chase and they told me they contacted XXXX and they authorized the transaction. The purchase was of 15 downloaded XXXX XXXX office. It showed up as three different transactions. I filed a police report. I am now out XXXX dollars and it has dropped my credit score about 100 points. Chase has been nothing but a hassle, my fraud representative at chase said he knew it was fraud but they still let the transaction go through. The transaction should have never been put through, Chase is at fault for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23
Company: EQUIFAX, 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:
On XX/XX/2018, All Three Credit bureaus : XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX District of Georgia in credit files maintained under my Social Security number. 

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/2018. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX  District of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX District of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX District of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to XXXX, XXXX, or any means of automated verification. 

I also received proof from the United States Bankruptcy Court XXXX District of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: IQOR US INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from Allied nterstate LLC on XX/XX/2019 in the amount {$450.00}. First and foremost, I have confirmed that the debt collector, Allied Interstate LLC is not license in the state of Louisiana to collect on this debt. Secondly, Allied Interstate LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Allied Interstate LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Allied Interstate LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$450.00}

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 2019-05-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While I have filed a previous CFPB complaint about this issue, Citi 's continued appalling behavior has left me no choice but to file another complaint. I have the Citi Aadvantage Business card which advertises a free checked bag when flying with XXXX. When I tried to use this benefit, I was told I could not because it is only available on select flights. Due to Citi not highlighting this, nor working towards any solution, I was forced to file a CFPB complaint requesting the {$60.00} in bag fees be refunded. Through the CFPB, Citi declined my request. I sent feedback regarding why I was not satisfied with the response. A representative from Citi EO office subsequently called me and said she did see a page where it was not clear that it was for domestic flights, so she offered me a {$30.00} credit and I accepted. I also notified her of another advertising discrepancy regarding in-flight wifi, which she said she would look into. A week later, I still did not have the credit on my account, so I called Citi to see if the {$30.00} would be posted in the next statement or if the EO office rep had forgot. The first agent had no idea what was going on, so I requested a supervisor. He transferred me to a representative in the US who tried to explain to me why I was wrong to request a refund for the bag fee - which Citi had already agreed to - and transferred me to an Account Manager in Florida, XXXX. XXXX was underhanded, condescending, rude and insinuated I was a liar regarding the {$30.00} statement credit. He chided me about how it's " in the terms ''. I told him, in no uncertain terms, that I will not be spoken to like that and disconnected the call. I was promised the {$30.00} credit and I demand it be applied. Please note a copy of this CFPB complaint will also be forwarded to the offices of XXXX XXXX, Rep. XXXX and XXXX Councilman XXXX for their review.

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 2020-12-05
Company: American Credit Acceptance, LLC
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:
I have tried to fix this problem several times with ACA. they have a inquiry on my report on XX/XX/2020 to mu knowledge i didnt give them permossion. When i realized it i reached out thinking this company is upholding the law. I quickly found out otherwise. I did my research many complaints paints them as a bottom feeder type company. They had no permissible purpose. The answer to my question of validation and verification when raised is that. Another company sent over my name and social seeking credit on my behalf.Why would i go to a 3rd party to obtain more inquiries when i can go to them mysel? I never allow anyone to do for me what i can do for myself. ACA believes by brushing me off they will rid themselves of me. No i will not go away until this fraudulent act is justified. I intend to seek remedies that has been set forth to help us from predators like this. I have no knowledge of this i believe the burden of proof is on them to prove that is actually did that. I've been waiting for a answer to no avail. I called them on The phone, they diverted me to their website. I went to website, no place to dispute anything. This inquiry is not mine. I do not want the generic answer which i will attach to this complaint. The generic answer in response to validation and verification with wet ink signature. Dont i have the right to ask that? Being as though 60 % + credit reports have errors fraud or mistakes. I want proof from your company ACA AND I WANT PROOF FROM TRANSUNION ON WHY THEY ALLOW THIS UNETHICAL COMPANY TO HURT GOOD PEOPLES LIVES THAT WORKS HARD? IT'S A SHAME! A SCAM!. IF I GO TO ONE COMPANY THEY CAN ALL SHARE MY INFORMATION WITHOUT MY CONSENT? AND IF NOT WHY WHEN I POINT IT OUT IT'S NOT IMMEDIATELY CORRECTED IF ACA AND XX/XX/XXXX IS HERE TO REPORT ACCURATE DATA?

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 2019-05-19
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, approximately around XXXX XXXX I was informed by my roomate that our mail box had been broken into and the mail inside was torn into and opened, including a randomly sent credit card application form that I didn't ask for. The card was taken, but not the application form. 

I called the company that sent me the application form but I was told nothing can be done until an attempt is made to open an account. 

I also called the credit bruea and placed a lock and fraud alert on my accounts. 

I was not able to call the Postal services number due to it being the weekend.

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 2018-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would not make any complaint if it happen only 1st time. However, it keep repeating and kind of abuse my account. 1st time I purchase my house, my family and relative send me check to help me to buy house. Right after I deposit check, Chase withdrawn money from donor account ready but they keep placing holding for 7-11 days more. I have patience to wait to clear. Then, I wrote check out to title company to make initial deposit. They said my account insufficient. Even though amount is over than what I wrote. I have to call them and they said they release now. 
This is second time, I deposited money and they withdrawn money from payer ready but they emailed and said place it on hold again. I know that sometime big amount can make them money and cause for being greedy to treat customer in the way as they stupid. If I dont file dispute, they would do same as next and few. I have bill to pay but they put on hold too long and I dont think appropriate while they took money from another out and place on hold. Do you think it is fair while I have to pay for late charge credit card even though 1 days, another bill. Any rule and regulation for them???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am currently in school, and my loans are in deferment status. The interest is being reported every month on my credit report and impacting my score as not paid. Due to my loans being in deferment I am not allowed to pay anything on my loans but my credit score continues to be negatively impacted by the interest rate being increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from Equifax. I followed up with a letter on XX/XX/2021. I have received no correspondence from Equifax regarding this request. 

I sent the same request to XXXX  and XXXX, specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. XXXX  and XXXX  both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that XXXX  received on XX/XX/XXXX and XXXX  received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXXXXXX 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 2021-09-21
Company: TD BANK US HOLDING COMPANY
State: NY
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 reached out to XXXX concerning a hard inquiry made on my account on XX/XX/2019 by TD Retail Card Services. I was advise by an agent that I can not dispute the inquiry via their agency ( XXXX ) and that I needed to contact the company ( Td Retail Card Service ). I immediately reached out to Td Retail Card Service and they could not find an inquiry or service made using my social. They then informed me that I should reach out to XXXX to have it removed. I called XXXX again and they told me that they can not remove hard inquires. 
I am very concern that my information was used and the company it was used can not verify this information. Therefore I am writing to complain and have this hard inquiry immediately removed. 


Call log XXXX - 5 mins 14 secs ( XXXX ) XXXX - 14 mins 51 secs ( Td Retail Card Services )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: AES/PHEAA
State: IA
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 have federal student loans with FedLoan and they have had my loans since XX/XX/XXXX. I was in deferment until XX/XX/XXXX when I entered payments on an income based plan, My first and only position has been working for a 501 ( c ) 3 company and therefore have been participating in PSLF program. I have submitted employment verification to cover this entire time period and have tried to stay within qualifying payment plans. However, I have had many issues with this program, starting this multiple payments made the " do not qualify '' for various reasons. I have specifically contacted the representatives with each request of payment plan change and was reassured each time that any full payments would qualify. Specifically, I confirmed in XX/XX/XXXX prior to changing payment plans that all payments would be qualifying payments expect while in deferment. I have counted 66-69 qualifying payments but my account only reports 42 qualifying payments. 

To further complicate things, it has taken FedLoan over a year to review my previous requests for payment reviews ( made XX/XX/XXXX speaking with " XXXX '' ). I contacted them again today and spoke with " XXXX '' ID # XXXX about the situation and was informed not only is there no time estimate for reviews but that I had additional payments that were marked as " not qualifying '' that I was not informed of previously. These payments did not qualify because I was temporarily placed on a non-qualifying plan while I " Transitioned '' from one income base payment plan to the next despite specifically inquiring about this possibility and being reassured that it would not occur prior to making the request to change. I had to submit a separate request for review that might also take an " extended period '' to complete. At this rate, I will have completed my 120 payments and still not have confirmation that I am appropriately participating in this program despite multiple attempts to confirm such. 

Lastly, each time I recertify my income as required yearly to maintain a payment plan in REPAYE or other income based plan, my interest is capitalized. 

I have paid {$130000.00} since XXXX and still have {$200000.00}. Therefore, after over 5 years of payments, I still owe more than I original borrowed despite paying nearly 2/3 of the original debt. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
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:
Reporting company XXXX has recently been subjugated to mass headlines for data breaches and incorrectly reporting consumer information. I feel that I have been a recent victim of such activity, and as a result have fraudulent entries reporting on my credit profile that I would like to have removed immediately. The entry displays as the following Account : XXXX XXXX XXXX XXXX Open Balance : {$3500.00} Opened : XXXX XXXX, XXXX  Type : No info

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 2018-08-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
my wife had 3 XXXX  XXXX in 2 years. i got laid off from XXXX XXXX XXXX. missed a lot of work then got laid off. got a letter last week from XXXX, XXXX XXXX XXXX stating i had 45 days to cure the default. started to get solicitations yesterday fro lawyers saying public record has foreclusure sale on XX/XX/2018. not 45 days. still working with carrington on modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: GreenSky, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX we contracted XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and repair our basement and garage floors and walls for {$29000.00}. On XX/XX/XXXX we applied for financing with Greensky LLC XXXX XXXX XXXX, XXXX GA. The project not being completed XXXX XXXX XXXX XXXX XXXX collected {$26000.00} from GreenskyLLC with out authorization from XXXX XXXX. We had other means of payment in place at this time, also the contract price was reduced to {$24000.00} by XXXX XXXX of inconvenience of job not being completed properly and was not mostly corrected in XX/XX/XXXX and was refused servicing after we found a wet floor in the garage XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation