BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: Nelnet, 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 information incorrect

Complaint:
Nelnet is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with Nelnet. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between XXXX accounts with Nelnet and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments Nelnet has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with Nelnet adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my Nelnet accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Nelnet, both as they actually existed and as Nelnet has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: CO
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 last of account below has violated my federally protected consumer rights to privacy and confidentiality under U-S-C 1681. 
Account name : XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # XXXX Has violated my rights. 
15 U-S-C 1681 Section 602 A- stat I have the right to privacy- 15 U-S-C 1681 section 604 A- Section 2 : It also states a consumer reporting agency can not Furnish a account without my written Instruction.

15 U-S-C 1681 C- ( A ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, any other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C- 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am a natural person, I am a living human being I have right under 15 U.S.C 1681.

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 2021-08-13
Company: Experian Information Solutions 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:
XXXX XXXX IS TRYING TO HAVEME PAY FOR SOMETHING THAT DOSENT BELONG TO ME, IT IS A CAR LOAN THAT WASENT ON MY NAME IT WAS ON MY SOCIAL SECURITY NUMER BUT WITH ANOTHER NAME, ANOTHER ADREESS ANOTHER PHONE NUMNBER, WHEN I KNOW ITS I CALL RIGHT AWAY THEY ASK ME FOR MY PERSONAL INFORMACION AND I PROVIDED IT TO THEN, I OPEN A COMPLAAINT AND WHEN THEY CLOSED IT THEY DICIDED THAT THAT ACOUNT BELONGS TO ME BUT WHAT XXXX DID THEY CHANGE THE INFORMATION THAT THEY HAD FOR THE ONE THAT I PROVIDED, I NEED THIS ACCOUNT TOTALLY REMOVED FROM MY SOCIAL SECURITY NUMBER BECAUSE IT IS NOT MY THIS WAS A FROUD ACCOUNT THAT DOSENT BELONG TO 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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or 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 2018-12-31
Company: Profit Services Group
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:
Profit Services Group {$34.00}, {$460.00}, {$310.00}, {$30.00} & {$55.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2020-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.

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 2020-11-28
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was ordering a TV and was presented with a special offer for a Best Buy Visa through Citi. I proceeded with the application and was approved and completed the order. Shortly after I received notice that the new card was declined. I called Best Buy and they referred me to Citi. I called Citi and they asked for my phone number, which I provided. I was then transferred to the fraud department. The agent told me that my phone number didnt match their records so they couldnt open the account. I explained that Ive had this phone number for 8 years and have not had the other number since that time. She said she would do a public record search and came back and told me she couldnt find the number. I asked if we could verify my identity using other personal details and I was told no - they can only verify using my phone number on public records. 

First Im very concerned that Citi is claiming to only be able to verify my identify by using a phone number, which can easily change, offering no alternative for verification. 

Second Im concerned that they are using a public number that anyone with a phone book or XXXX can find. Its not secure. 

Third, this practice is deceptive in that, because of Citis negligence and poor business practices, I have missed out on the promotional pricing of the item I wanted and also missed out on the promotional finance terms offered when the card was approved and the purchase was completed.

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 2020-12-01
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:
Your company is in violation of the FDCPA section 807. False or misleading representations. The credit agency did not properly investigate a previous dispute. In my last dispute regarding XXXX XXXX XXXX. They failed to properly verify the information given by the debt collector. I do not owe any debts to XXXX XXXX XXXX and any reporting of a debt owed to them has been disputed several times. Attached is a written statement from the FDIC that personal debts from XXXX XXXX were never sold to XXXX XXXX XXXX XXXX XXXX XXXX stated in a written testimony to the CFPB that this debt was sold to them in XX/XX/XXXX that could not have been possible because XXXX sold this debt to another company in XX/XX/XXXX. Also, they claim they were collecting this debt on behalf of XXXX but in XX/XX/XXXX the new owners of XXXX XXXX XXXX XXXX XXXX  stated in writing they no longer which to pursue this debt and still make that claim today. Attached is a letter from XXXX XXXX XXXX XXXX stating that once they purchased XXXX they no longer wanted to go further with any more collection activities. So if the original owners of the debt did not want to pursue any further action any actions made by XXXX XXXX on the behalf of XXXX would be invalid. Also, XXXX XXXX XXXX has failed to show written notification sent to me notify me of when they purchased the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I my complaint is with my loan services Navient. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted Navient customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at Navient. Never received a response. I made several phone calls to Navient about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-12-31
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax has received a letter from me on XX/XX/2018 regarding an account that has been investigated and deleted by another credit bureau, which is XXXX. This account is misreported/ unverifiable/ false/ and/or else wise inadequately reported data and/or derogatory information that is questionably, if not deceptively, reported in my credit file unfairly and surely illegally. As you know, COMPLIANCE of reporting for any VALID CLAIM is MANDATORY, NOT OPTIONAL. Prove or remove, THAT IS THE LAW! The item here reported is DEFICIENT of reporting mandates as it is in the least questionable in its inconsistent reporting and deceptive even error-prone reporting. As detailed by the Metro 2 Five Points of Compliance per the link : XXXX XXXX XXXX OBVIOUSLY, the five noted points above are each MINIMUM STANDARDS for being compliant in processing consumer complaints COMPLIANTLY and exactly as dictated by the CDIA as per listed at this link. This sequence of requisites to certified compliant reporting is commonly referred to as the M2FPOC aka Metro 2 Five Points of Compliance! It is FEDERALLY mandated and must demonstrate proof of such should a consumer call for a CHECK of VALIDITY and/or COMPLIANCE of reporting and/or DISPUTE the claims validity and or CHALLENGE the alleged compliance of reporting, even the mandatory perfect and complete METRO 2 Format Compliance standards of reporting as above mentioned at least! 
Follow suit and delete this account for accurate reporting : US Bankruptcy Court-XXXX ID # XXXX Attached is the letter Equifax received on XX/XX/2018, Metro 2 Five Points of Compliance explanation ( pay attention to highlighted area ), XXXX credit report with deleted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Claim ID : XXXX Account ending : XXXX Please help. Bank of America is not honoring their fraud and theft policy. Also no one answers the phones in the Fraud Department, and they have denied my claims which is against their fraud and theft policy coverage for clients.

I wait for over 3 hours on hold each time I attempt to contact the Fraud department. 
I received a notification that my claim ID XXXX in the amount of {$6500.00} was denied on XX/XX/2022. I called the fraud department to reopen the claim and send in the police report. 

Also, please see my below statement as to what happened : On XX/XX/2022 I went surfing in XXXX, CA and left my wallet and phone in the car. There is a group of criminals who target surfers in XXXX for this reason. The criminals stole my wallet and phone out of the car and went to the XXXX XXXX in XXXX XXXX and were able to use my card to purchase {$6500.00} worth of merchandise. They were able to authorize the transaction because they had my ID and my cell phone and were able to call Bank of America to verify my identity. On XX/XX/2022 I filed the police report and was able to verify my identity with Bank of America because I got my new phone from XXXX. Up until XX/XX/2022 Bank of America would not allow me to freeze my credit and debit cards because they could only use my phone to verify my identity. 


They also were able to charge {$6900.00} on my Bank of America debit card at the same XXXX XXXX and I opened a separate claim for that amount. Claim number : XXXX Additionally, They were able to XXXX transfer {$3000.00} to someone named XXXX using my XXXX. I assume they were able to do this because they had my cell phone. You can see in the below screenshot they also tried to make several other XXXX transfer to someone named XXXX claim number is XXXX. The XXXX  claim was already approved and paid to me. I just need my other two claims paid now as well. 

Please review the information and assist. I can provide you with all the information you may need. Thank you 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 explanation
Consumer complaint received 2023-08-18
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 Talked with debt collector inregards to collecting a debt using unfair practices. 
Trying to collect with wrong account information and no validity of the debt. The collection is not within guidelines for scoring algorithm and is a collection account. No history is available and would like it removed from the account. I assume it as Identity fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent over 6 requests to have inaccurate address removed from Experian Credit Bureau ; on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. Each request has never been answered and never removed.

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 2018-12-30
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Government benefits were taken and deposited into a bank account using my hiding government benefits and/or spouse benefits. Also using my Social Security number last digits to take advantage of my trust under a unknown minor. Deceptive trade practices, fraud alert, and Capital Offense making a financial gain on unauthorized asset management. The system is flawed an oversight. I have the right to seek damages from BBVA Compass CA

Company response to consumer: Closed with explanation