BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-11
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XX/XX/XXXX I got contacted by US Student Aid supposedly saying that they were calling from US Department of Education to help me forgive my loan due to my school ( XXXX XXXX XXXX ) being closed and sued for misleading students and unfilled promises. I proceeded with the application process and paid them a fee for them to complete and submit my application. They told me I got approved for loan forgiveness. Recently I tried to apply for a personal loan and I found out that I had severe delinquency w/my student loan that was supposed forgiven. I immediately contacted them and found out they have been sued by the US Federal trade commission for scam and fraud on XX/XX/XXXX. I learned that my loan approved and forgiven was transferred to XXXX XXXX XXXX   that I owe money and accrued interest ( from XX/XX/XXXX to current ) on my student loan. 

I've asked XXXX XXXX XXXX to stop the delinquency, but they're not able to help me with my credit issue until my claim is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a US Bank reliacard in the mail today. I am not unemployed and I did not request the card. Im unable to get a hold of anyone to cancel it and to figure out why it was opened in my name in the first place. I appreciate your help! Im concerned that someone opened an account in my name fraudulently.

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 2021-08-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I AM AN AUTHORIZED USER ON 2 CREDIT CARDS THAT ARE NOT BEING REPORTED ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: OH
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:
Had a bad car loan with XXXX they took the car charged it off while i was still making payments. I then called XXXX XXXX they offered me to settle for a paid to delete in which i paid $ XXXX.Big mistakes! i was not aware that XXXX had a lawsuit of {$500.00} XXXX settlement lawsuit. I have try to call them they refused to help. 

I called all 3 agencies, mail out letters, faxe 's neither equifax, XXXX, XXXX is responding back in which i know they have from 30 to 45 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Nelnet, Inc.
State: UT
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:
My Loans are with Nelnet-I believe they picked up loan in XXXX. 
1-My Federal Student Aid acct mistakenly lists me as having borrowed {$620000.00}. Fed Student Loan people said that is due to the people who service the loan. 
2-Nelnet told me my loans were covered under the Cares Act waiver of interest from XXXX to XXXX. I had called to see if I had to fill anything out. They said nope we do it all for you ... They tacked on XXXX of interest on XX/XX/XXXX. When I called Nelnet a different rep said no you aren't covered because you are in bankruptcy. 
3-Nelnet is not able to send me documentation of my loans or amount borrowed ... they said they would send me a promisary note they had for XXXX. I didn't borrow XXXX. 
4-Federal student aid Omnibudsman said my loans were consolidated in XXXX which is incorrect. My loans were switched to 6 different servicers over the years-not because I requested but because they took them ... a lot of errors and misinformation appears to have occurred due to the various servicers errors. 
5-One man at Nelnet will not allow me to pay on my loans but is continuing to post interest to the loan. My student loans were not part of the bankruptcy and were listed as " outside of bankruptcy. '' Nelnet said I have to go to my judge and get him to allow me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I tried to cancel my transunion credit reporting subscription multiple times. The only way to cancel is to call, but when I call their 1-800 number ( as listed on the website ), they say " Please try again later. '' They are continuing to charge me each month and there is no way to cancel. 

Finally, I was able to reach them by phone, but I had to choose the 'french ' option. Luckily the french-speaking agent also spoke english and we were able to cancel. 

By then, I had already paid an extra month. 

IF YOU ARE A MEMBER OF THE PUBLIC READING THIS : Avoid transunion at all costs. If you HAVE to subscribe, use a burner/one-time credit card.

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 monetary relief
Consumer complaint received 2021-02-02
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
on XX/XX/2021, Robinhood LLC manipulated stock market by stopping Buy uption shares i hold XXXX XXXX XXXX XXXX XXXX and caused them to lose value. This manipulative action of Robinhood financial LLC caused me to lose almost {$7000.00} loss because they created Panic by stopping sell certain 12 stocks first time in history.There are multiple lawsuits against Robinhood financial llc and its all over the News Channels And again on XX/XX/2021, Robinhood Financial LLC manipulated crptocurrency market by stopping Buy option of XXXX and caused it to crash lose value.This manipulative action of Robinhood financial LLC caused me to lose almost {$3000.00} loss because they created Panic by stopping Buy option as well. 

Robinhood LLC just got charged last month by SEC for malpractice and Now they are being reviewed again after XXXX XXXX market manipulation XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: General Motors Financial Company, Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a truck loan that i never missed a payment on. I paid it every month from XX/XX/XXXX- XX/XX/XXXX. It was paid in full and i had even put on new rims and other accessories. The company in question came and took the vehicle and said that i hadn't made payments. I had paid it from different accounts each month and i no longer have the record of it because it was so long ago but it was paid in full. Now i see that it is on my credit as a charge off for XXXX dollars no less. I have tried to get this fixed with the company in question but had no success. At the time we got tired of fighting it with them and didn't know what to do so we accepted that we just lost a vehicle but now that we see they are showing we still owe XXXX it has gone to far and we don't know where to turn short of getting a lawyer. This has been extremely stressful. We owe nothing at the very least. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a Credit Card with XXXX XXXX XXXX. after nearly 2 years of on time payments i made a payment with a work account which they rejected. No big deal BEFORE the due date i made another payment and not only did they close my account they reported me late on the Credit Bureaus. The payment was made XX/XX/XXXX ironically i made the payment XX/XX/XXXX and payment was not due until XX/XX/XXXX. You can never get anyone on the phone as my account has not been turned over to a " special deparment '' As i type this complaint i have been on hold for nearly 20 minutes trying to make a payment. Practices like this company go unchecked. They have committed an intentional crime not a mistake and i need help getting them to own " their '' mistake and correct my XXXX Transunion and XXXX In conclusion i was just HUNG up on while waiting to make a payment. Thank you

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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should delete promptly.

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 2020-01-26
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: Account information incorrect

Complaint:
I have a mortgage with XXXX XXXX, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.

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 2020-05-29
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Their investigation did not fix an error on your report

Complaint:
Under section 609 of the FCRA, I am entitled to know how the information on my credit report is verified. When I previously disputed this account on my report, it came back verified. I sent a validation of letter to the company via certified mail on XX/XX/2020 and they still haven't responded. So my question is how was this information verified? There was no way for you to have verified this debt because I haven't stated that it was mine. Under 15 USC 1602 ( g ), a creditor refers to natural person. A corporation can not be a natural person therefore they can be a creditor so they are unable to verify any account or debt. I am the original creditor and this account on my report is not validated nor verifiable by me. Remove it immediately from my report. May I remind you that stating that this account is verified without the proper investigation is violation under federal law and is adverse action taken against the consumer. This is a serious crime punishable by litigation and subject to monetary compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$25000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.

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 2020-09-07
Company: Convergent Resources, 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:
On XX/XX/2020 Convergent Outsourcing Inc. added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Convergent Outsourcing Inc. has violated my rights as a consumer and I'm requesting legal actin to remove this account 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 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Bank of America wrongfully closed my XXXX Benefits account and has held my remaining balance. Calls to Bank of America get new nowhere ; they continue to say call EDD unemployment office and that there is nothing they can do. The XXXX office has confirm there is NOTHING WRONG with my benefits claim, my identity is confirmed, and has switched my payments to paper checks that way Bank of America can no longer steal my money! There was {$2900.00} on my card and Bank of America has/are not returning it! In XX/XX/XXXX my card was compromised and hackers transferred {$5000.00} out the account to another Bank of America account. I filed a police report and reported to Bank of America via the number on back of card. A few weeks later the funds were sent back to my as a courtesy while investigation continued. Since XXXX I have been continuing to receive my eligible state benefits through Bank of America, and just yesterday was sent the payment for PUEC extension week ending XX/XX/XXXX, but when trying get updated balance I find out my account is closed. According to many news sites this seems to be a huge issue with Bank of America prepaid for XXXX, matter of fact there is a class action lawsuit for this exact case happening to thousands of others. I NEED MY MONEY BACK! 

https : XXXX? XXXX 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 monetary relief
Consumer complaint received 2020-01-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have a mortgage with XXXX XXXX, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I have a mortgage with Wells Fargo, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.

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 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Previously had two accounts when I lost my wallet my bank account was compromised resulting in auto payments being returned. I sent the bank police report and bank memo I was advised over and over by multiple reps accounts were being reopened. Then I was advised they are not simply reapply. Based on my experience I wasnt exactly in a hurry to get back on board with Capital One. The accounts are restricted for something that had zero to do with me. I periodically check prequalify to see what I might be eligible at no cost to my credit. 

Today I was advised that I am blacklisted from the thousands of reviews I have seen it basically says I can never use capital one again which is beyond crazy especially for something that had nothing to do with me and if anything life happens maybe ease up like a lot. 

Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement. 

Seriously you blacklisted me for life?? I guess we have to cancel all of our other services with you as well for our home and business?

Company response to consumer: Closed with explanation