BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Nelnet, Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. XXXX XXXX To whom it may concern ; My name is XXXX XXXX XXXX. I have a student loan with NelNet. In XXXX my loan went into collections. I contacted the collection agency and did everything they advised me to do in order to have the loan go back to NelNet. XXXX explained to me the program called Rehabilitation can only be used once. After my account went back to NelNet, in XX/XX/XXXX. I contacted NelNet and applied for the Payment Based on Income program. I am a XXXX vet and the only income for my family. My repayment amount was set to XXXX. I Sent them all the paperwork, as well as, my Income tax for that year. I spoke to a representative towards the end of XXXX or around XXXX and confirmed they have everything needed and everything was good. 

On XX/XX/XXXX I received a letter from National Student Loan Program stating that my account went into collections. I proceeded to contact NelNet about this to ask if I was supposed to reapply for the program. I was told by the rep. that the account went to collections because I did not send proof of my wifes income. I explained to them that my wife does not work. I stated that on the application and I also sent in my Income Tax showing proof. They then continued to tell me that they tried to inform me by letters and email and gave me an address to verify that was from 10 years ago. This was an outright lie as I have paperwork showing my current address which I have been at for 8 years. I also searched my email history and did not show anything or any attempt there either. I then called Nation Student Loan Program and explained this to them as well, and asked if I can do the Rehabilitation program and they explained that it is only once in a lifetime to use this and was already used in XXXX. I contacted NelNet and explained this and asked if they can just pull back my account and process my application since they have all the paperwork needed. I asked to be transferred to a supervisor and explained everything to them. He stated he will open a complaint for me. As of yet I have not heard anything. I also filed an online complaint with Nelnet as well. 

I am only asking for my account to be sent back to be able to be set up with the payment based on income as I am currently XXXX and the only source of income for my family. I am currently waiting for my XXXX XXXX XXXX from the Veterans Administration as well to send them this information to them as well. 
Please assist me in this situation. Thank you for your time. 

XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX Ca. XXXX Phone : XXXX NelNet Account number : XXXX NelNet : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pick up truck was totaled in XXXX of 2019. Insurance paid vehicle in XXXX  2019.XXXX XXXX has not updated credit bureau.as of XX/XX/2019. XXXX  says I owe {$10000.00}, Transunion says {$440.00}, XXXX  says account is closed. Also XXXX XXXX has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not

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 2022-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 opened a account with XXXX XXXX in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It  still appears with the credit bureaus after 7 years and I contacted XXXX XXXX XXXX on XX/XX/XXXX they stated it would be removed from my Transunion and XXXX   bureaus but it has not yet been deleted.

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 2018-02-16
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2018 Coinbase charged my account {$300.00}. I did not authorize this charge, in fact I have not logged into my Coinbase account since XX/XX/XXXX. There is no record of this transaction on my Coinbase account, and they never answer support calls or respond to emails. Coinbase is placing fraudulent charges on my debit card and is ignoring my attempts to resolve this issue with them directly. Additionally, they are blaming XXXX for this issue but XXXX has publicly said that the issue is not on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Regional Management Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX. On today, XX/XX/2020, I authorized XXXX XXXX, a third-party marketing firm, the ability to conduct a soft inquiry or promotional inquiry on my credit report, for the purpose of providing me with pre-approved loan offers. I clicked on : " View my offers '', below which it states : " Don't worry, this loan request will not affect your credit score. '' 2. I received pre-approved offers from several loan companies, including Regional Finance. 

3. At approximately, XXXX XXXX, I received a call from the Regional Finance branch in XXXX, Georgia, phone number ( XXXX ) XXXX. 

4. The individual asked me several questions about my income, and then said he needed my consent to conduct a hard inquiry on my credit report. He said he could make no loan offers until I give my consent. 

5. I said I would not be willing to do that, and hung up the phone. 

6. Within seconds, I received a notification from XXXX XXXX that a hard inquiry from RFC XXXX XXXX had appeared on my report. 

7. I called the branch and requested to speak with a manager, was told the manager would call me back, but I have received no phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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:
Errors on my report with following : 1 ) XXXX XXXX  2 ) XXXX XXXX / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX {$170.00} 4 ) XXXX XXXX XXXX XXXX XXXX {$420.00}

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 2020-07-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have previously asked Equifax to update 3 accounts that were chargeoffs but were paid. These accounts were updated to show XXXX balance and the term " PAID-CHARGEOFF '' was added to the Remark section of the accounts. This is not an accurate display of my credit history. These accounts should read PAID-CHARGEOFF in the " payment status '' field not Collection/Charge-off because FICO uses this filed to calculate FICO scores. The " account status '' is of course CLOSED but the status of payment is PAID. Am I wrong??? I think not. 
Another issue unrelated to the previous one is that my credit score dropped 43 points from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. This with NO ACTIVITY at all in my file for that time span. How is this possible??? 
I'm going to attach all relevant documents to these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Child Support XXXX has had the last activity XX/XX/2008 yet it still shows on my credit report. It should be removed due to its age and inaccurate information. The reports states several different last activity dates, opening dates and reporting information. 

XXXX Account XXXX  XXXX is paid not closed and has been for over 10 years. 
XXXX XXXX  Account XXXX  XXXX is unknown and not my account. 

The above accounts have violated my rights according to 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed 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 2023-05-26
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX serviced Account # XXXX has violated my rights. 
15 U.S. Code 1692c - Communication in connection with debt collection - ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I HAVE THE RIGHT TO PRIVACY

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 2021-06-06
Company: TrueAccord Corp.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by a company " True Accord '' by EMAIL to attempt to collect an alleged debt that I have no knowledge of. I have never given this company permission to contact me Especially by email. This company is in violation of 15 U.S. Code 1692 ( a ) and 1690 U.S. Code1692 ( b ) ( 2 ) ( 3 ) ( 5 ). This company can not legally state that I owe a debt, especially one I have no knowledge of. I will be attaching the email, dates and how many communications I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Early Warning Services, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  and XXXX  have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Report says I owe a {$13000.00} debt of which I paid about {$12000.00} of 27 days ago. 

It still says I owe {$13000.00} and I am trying to get an apartment. This is an issue. I only owe about {$980.00} now and so this is inaccurate. 

Ive already filed a dispute as well. No help there.

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 2021-11-19
Company: EQUIFAX, INC.
State: WA
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 am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2022-02-01
Company: Experian Information Solutions Inc.
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:
this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Maximus Education, LLC dba Aidvantage
State: TN
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 received an email XX/XX/19 informing me of a Change in Loan Terms. I have an IDR that I agreed to in XXXX that set the payments at about XXXX a month. It was going to be difficult enough to rearrange my finances to pay that as a XXXX XXXX, but they jumped they payment up to XXXX. Whats the point in providing options for repayment then just taking it away?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Professional Debt Mediation, 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:
I dont owe Professional debt money i have never done business with them, Im unaware of this company, the address of XXXX XXXX XXXX is a accommodation i paid in full some of the transactions were done in cash and the office manager told me to find someone in my place so that i dont owe anything and i did that.please remove this XXXX XXXX XXXX XXXX XXXX XXXX  all Credit bureau accounts.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, my name is XXXX XXXX, my card was recently stolen and charged fraudulently 9 times. I Called Capital one Sunday XX/XX/2020 on the number from online customer services, since the card is not in my possession. I spoke with representative XXXX, who confirmed my personal information for security purposes and investigated my account history. I informed the rep that I was referring to all charges with purchase date of XXXX - XXXX ( days in which I was in the hospital on a 72 hr hold. ) I was placed on a hold and when rep was back, I was informed that she was disputing a total of 11 charges with {$920.00} of charges due back to my account. 
**I have all my hospital paperwork to support that I was not able to purchase or make any of these transactions. ( Which none was even requested ) I do NOT have and authorized users on my quicksilver credit card, I DID NOT lend or give my card to anyone. 
Once I was able to get in front of my desktop, I reviewed my account and only found 9 charges should be disputed with a total of {$910.00} total. So that alarmed me to think that there must be a filing error with the dispute. Leaving space for denial. I in no way wish to dispute any charges that I am truly responsible for, but I will not stand by and pay for something that has been stolen from me. 

On the XXXX of XXXX early morning ( less than 48 hr from starting dispute ) I received an email stating that the charges were not fraud and I was responsible for charges. I called once more on XXXX XXXX, 2020 spoke with XXXX who was quick to believe due to the quick turn over of decision must have been due to a filing error in dispute. Who then I was transferred to XXXX ID XXXX who told me was the - Account manager in Fraud disputes? XXXX unfortunately was the XXXX to tell me that the charges were not going to be refunded and were my bill. So, upon hearing this information I requested a higher management. Being told he was the person and that nothing could be done about my account balance, I then requested for an email to XXXX. 

My fight here is the injustice for the customer, being ME. I was hospitalized with supporting documents to prove my side. To only come out and find out someone stole my card and used XXXX $ of it. I questioned XXXX what the steps were taken for making the decision of deeming me responsible. Which he had no answers for, the stores that my card was used at should have video surveillance to further support that the shopper was in fact NOT myself.

Company response to consumer: Closed with monetary relief