BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I XXXX XXXX currently have student loans that is on Income Based Repayment Plan Status. I was approved on XX/XX/XXXX. Today on XX/XX/XXXX, I contacted Nelnet XXXX XXXX who service my loans to update my email on my account. The customer service worker asked very appropriate personal questions not relating to updating my email on my account, but rather relating to my race and XXXX! The employee tried to force me to tell her I had taxable income when I do not. She also wanted to ask additional information and send me a private link. I informed her I sent all required documents in XX/XX/XXXX and was approved for Income Base Repayment Plan. And there was nothing else I have to report about my private life and what does my nationality was. I reported to her what I reported was truthfully and had nothing to hide. I also stated to her why was my race important, on the IBR application never asked me what race I was, and what does the XXXX of my skin has to do with my email account. Then the employee stated to me, " oh I made mistake on your loans and they are actually due in XXXX and that I was approved for Income Based Repayment Plan in XX/XX/XXXX a month ago. Then the employee insisted to I tell her about my taxable income. Finally I requested a supervisor. He told me his name was XXXX. I didn't believe him that his name was XXXX. He told me that I was approved for Income Based Repayment Plan but he wanted to know if I had any taxable income. I informed employee Purple, I sent in all my social security XXXX paperwork Benefit Verification Letter from Social Security Administration. Then XXXX stated to me the information I tell him would be just between me and him and it was totally between me and him. I repeated what I stated to the other employee earlier that I sent all the required documents with the IBR Plan application and XXXX award Social Security Benefit Verification Letter from Social Security Administration Office. Then XXXX told me, " I know you get more money than that. I am sure you get some kind of taxable income! I told him I do not get any taxable income. I receive social security XXXX payments in which I sent with IBR Plan application in Certified mail in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a company that reports late payments and its affecting my score. the account is paid in full but reporting late payments the name of the company is XXXX XXXX XXXX and its reporting to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
This is about Equifax. Since XXXX last year, I have been trying to manage my freeze online with no success! To freeze my account, I had to call in, wait on hold for hours, get diverted from one department to another, and finally got my account frozen. I was then able to log in online and see the freeze, but to my surprise, I couldn't manage it. It was always giving me an error message, every time I was trying! I again spent hours and hours with agents over the phone, to get it resolved so that I can freeze/unfreeze online as normal. I then got tons of empty promises that it would be resolved, and got a case number : XXXX. 
On XX/XX/2019, at XXXX XXXX  they sent me an email stating that it was resolved. I logged in to find I still can't manage the freeze online. I responded to that email but since then I have never heard from them. 
Trying to resolve this over the phone ( back then ) was a nightmare because of waiting times and poorly trained agents. I simply want to be able to manage my freeze online the way it is meant to be. 

Thanks. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Began searching for online savings account in XX/XX/2022. Found offer for Citi XXXX XXXX account with high yield bonus on their website. It had me enter zip code to see if offer was good in my area. It was confirmed the offer and I opened the account with initial deposit of XXXX on XX/XX/2022. I received email ( attached ) titled XXXX, Congratulations on enrolling in the Citi XXXX XXXXXXXX XXXX XXXXXXXX Bonus Offer on XX/XX/2022. The email details the criteria where balance level must remain at XXXX or above to receive the XXXX bonus. My balance level never went below XXXX and currently above XXXX. After the promotion period ended I proceeded to contact customer service through chat multiple times where it was confirmed that met all the criteria and was told I would see the bonus applied in XXXX hours ( Citi can access the archives of the chat ). Nothing for weeks and I finally called customer service. Was told the inquiry was submitted under the incorrect promo code. A manager found the correct promo code and reopened and was told I would get call back in a week. Weeks went by and heard nothing so I called back again. Incredibly condescending customer service agent told me that I am ineligible for the bonus without any details and said I could write a letter regarding the decision. I figured I would submit a CFPB complaint before filing a small claims and going to local media.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Wrong reports on credit report with all credit bureau. Wrong amounts, fraud, shared information without consent.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: MD
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 my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$35000.00} XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2023-02-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2018-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sent Portfolio Recovery a debt validation letter on XX/XX/XXXX to validate this alleged debt or remove same from the 3 major credit reporting bureaus. They sent me back a copy of an old XXXX XXXX bill. Sent them another debt validation letter on XX/XX/XXXX again asking them validate the debt or remove the item from the 3 major credit reporting bureaus. I received a letter dated XX/XX/XXXX stating claiming they had already sent a Universal Data Form electronically requesting them to delete XXXX, XXXX 's trade line for this account from my credit report to the 3 major credit reporting bureaus. As of XX/XX/XXXX this item still remains on my credit file with the 3 major credit reporting bureaus, XXXX, XXXX and XXXX. I have sent a copy of Portfolio 's letter to these credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Today, XXXX XXXX, XXXX, I contacted all three credit reporting agencies ; XXXX, Equifax, XXXX. Only XXXX, Experian, provided a credit report. It had multiple errors, or which I filed a dispute. Both Equifax and XXXX could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the Equifax breach, it appears my information has been compromised too! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received 2 debit/gift cards for XXXX. One for {$50.00} and a second card for {$25.00}. When I tried to use them there was no balance on them. They were purchased at XXXX on XX/XX/2022. The issuer is Vanilla, Vanillagift.com, Cards are issued by XXXX, XXXX. Pursuant to license by XXXX XXXX. XXXX is distributed by XXXX XXXX XXXX XXXX. The contact phone number on the cards is XXXX cards are numbered XXXX, and XXXX. I retrieved all the information requested by XXXX and e-mailed it to them. I have called them 4 or 5 times. They keep jerking me around every time. They say we will e-mail with either new cards or that the cards will be supplied with the proper amount of money. Every time I call I get a different story, and a new promise to hear from them in a day or two via e-mail. I have wasted nearly 5 hours of my time with these thieves on the phone. This is not a business it's a robbery scam. I can't call them any more, I won't waste any more of my time waiting on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Waypoint Resource Group, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Waypoint Resource Group must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, Waypoint Resource Group are agreeing to your Commercial Dishonor, exhausting. My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Waypoint Resource Group # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: American Coradius International LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notification of collection. There was no information validating this debt is owed by me. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: AL
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 accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX ) - Account Numbers : XXXX & XXXX have violated my rights. 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 ) ( a ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: FL
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 had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, Equifax and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to Equifax, XXXX  and XXXX regarding XXXX. This time around, I received an email from Equifax stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. Equifax deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
Consider this complaint as a follow-up to my previous complaint. My previous complaint contains disputed items that are erroneous and needed to be deleted as soon as feasible. 

Kindly remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX   and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Receivable Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company erroneously charged me {$1500.00} for an XXXX. In the medical office, the staff told me that the total out of pocket cost for the XXXX would be {$400.00} and that I would not have to pay anything else. Soon afterwards, the medical office sent me a bill for {$1500.00} saying that I owed them additional monies. If I knew the total out of pocket cost for this elective test was close to {$2000.00} - I would not have agreed to do it. The company was very deceptive and baited me to pay {$400.00} in the office and then charged me {$1500.00} afterwards. I spoke with someone at the office and they agreed to remove this charge but then when it got escalated to management, they would not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: VA
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:
Incorrect Information on Credit Report. XXXX Report Credit Agency is Reporting incorrect personal agency. Asked several times to to updated and corrected the information. The Agency is displays black outs on there website making it difficult for consumers to dispute information. They are violating consumer rights and personal information. Contact in the month of XX/XX/XXXX and XX/XX/XXXX. To updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Paypall loked my account. Back in iXXXX i was able to talk life on the phone. with customer service to transfer the money direct to my checking account. Never happened. I.m not able to use the automated sistem.it has my old phone number. There is no more life representative. Everything is automated help self service. My account is bloked. There was numerous e mails. Somebody try to hacked my account. Now is permanently bloked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 went over my credit and noticed there are a few accounts that I did not authorize

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