BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: OneMain Finance Corporation
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I took a loan out with one main financial for XXXX and I signed up that if u lost your job u didnt have to make payments for a year and of course after 2 payments I lost my job but they still sent me to collections I'm still without a job

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are two loans that are on my credit report that do not belong to me I have been writing to XXXX XXXX  And Transunion since XX/XX/2020 regarding these two accounts and they have not given me anything to work with. Then I decided to open a FTC report regarding this and still nothing. Now I have never opened any loans or signed any papers regarding this loan and yet it is still on my credit. This is affecting my life negatively and I dont need this right now during these hard times. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account

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 2021-05-24
Company: CURO Intermediate Holdings
State: TN
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:
AD Astra Recovery Service # XXXX is reporting to the credit bureau, XXXX  inaccurate information under my name. Reporting resumed even after I received no response to a letter I sent them XX/XX/2021, asking them to verify the validity of the debt. AD Astra Recovery Service is reporting an inaccurate collection account in the amount of XXXX as an open account on my credit report to XXXX. I asked them in my letter to delete the inaccurate collection account from my credit report in which they did not. This violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
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: Old information reappears or never goes away

Complaint:
Over the past few months I have been trying to get the three XXXX accounts removed or to stop reporting as if they are active. According to my report it reads as follows : XX/XX/XXXXLast reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of 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 2018-04-10
Company: Nelnet, Inc.
State: CA
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:
Nelnet is one of my student loan lenders. They refuse to send my correspondence via paper mail even though I have opted out of e-mail, so as to not allow the borrower to have a paper trail. In addition, I have been locked out of my account several times. I have also called them several times and have received pushback regarding transparency of my records. I applied for the income driven repayment program ( IDR ), which I qualify for. When I applied in XXXX of XXXX, they told me that " it was too early. '' When I tried to apply for it just recently in XX/XX/XXXX, they told me " that I had to submit a letter stating that I had income, '' which was not one of the terms of the agreement. When I informed them that I did not have taxable income, the customer service representative went on a tirade against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a USbank Master Card. There was a fraudulent charge made on card on XX/XX/XXXX for {$370.00}. I challenged this by phone and closed account as USbank could not provide many any info on this charge. I did speak to them on the phone about this. On XX/XX/XXXX I received a notice that USbank determined charge was fraudulent. I have received bills from USbank charging me interest and penalty for fraudulent charge. I've gone ahead and paid all charges at end of XXXX just to have them go away, but I continue to receive bills from XXXX. Received one today ( XX/XX/XXXX ) by email.

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 2021-06-21
Company: ENOVA INTERNATIONAL, INC.
State: WI
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: Didn't receive services that were advertised

Complaint:
I received the following email and I did not apply for a loan : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX, XXXX, WI, XXXX Dear Applicant, Thank you for your recent application. 
Description of Account, XXXX, or XXXX XXXX : Application for a personal installment loan. 
Description of Action Taken : We have declined your application. 
Principal Reason ( s ) for Action Taken Concerning Credit : You have submitted an application that was declined within the last 365 days. 

Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 

If you have any questions regarding this notice, you should contact : Creditor : NetCredit Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo says to try to work out disputes with company first, then let them know. I've tried and I've come across a very bad situation that needs upper level help .... 

My father, XXXX XXXX, has been forced to move out of his home for quite a while due to disabling XXXX XXXX. Im a POA and have only recently bothered to check his bank accounts due to his stressful life events preventing proper handling of those concerns. Ive now realized that although he believes he expressed a notice to his utility and other service providers, there have been charges to his bank account from vendors and services operators for which he is not able to use as a service. 

Especially at the bank level, XXXX expressed his competency concerns with Wells Fargo. Although hed moved out in 2016, and due to reverse mortgage rules, Wells Fargo took over the home soon after, Wells Fargo tolerated the inappropriate charges. Wells Fargo now claims they didn't do the takeover since they transferred their reverse mortgages to another company. If responsibility should be due to the mortgage holder, former or latter, I would note that I left a note on XXXX belongings which contained sensitivity personal belongings, and I did not hear a word. Either the bank, the mortgage holder or the reverse mortgage takeover workers, or those service operators, shouldve been responsible to prevent inappropriate charges to a 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 2018-08-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I requested a Chexsystems report because I've been declined several times when trying to open an account with different financial institutions. I don't understand why my account is in Chexsystems when I paid off ( {$260.00} ) the XXXX XXXX XXXX   claim XX/XX/XXXX and the XXXX claim was closed XX/XX/XXXX also I don't even recall this debt. But if it takes me to pay the questionable ( {$110.00} ) to get out of XXXX I'll pay it. But what happens next, is the any other steps for me to take?, or will this release me from your system? If you release me how long is it before all the financial institutions are made aware so I can open accounts? Please help? 

Both institutions advised me it's our off their hands, and there's nothing they can do to 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 explanation
Consumer complaint received 2018-07-01
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have contacted LexisNexis on several occasions. They are governed by rules of the fcra. Settlement has taken place by them in the past regarding the fcra. I submit the information I provided them on XX/XX/2018 far past the 30 days they legally had to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: EQUIFAX, INC.
State: CT
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:
I spoke to XXXX the manager and told him how I was having issues submitting disputes online for inquiries and an address that I never lived at XXXX XXXX XXXX XXXX. I disputed these inaccuracies as fraud and Equifax refused to investigate or remove them. After speaking to XXXX and requested that these items be disputed XXXX said he would send it for manual dispute. The next day I woke up and found my account blocked online and after the representative XXXX XXXX verified my information he said the supervisor said that my account is blocked and under investigation. So Equifax punishes me because the refuse to do their job. This is my fifth complaint and I would like the ombudsman to take a look into my complaints about this company and their incompetence. If unresolved I will file legal action against equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
I noticed this fraudulent account on my credit reports and I've disputed it several times with the company and XXXX and XXXX  and they are still stating this is mine without properly verifying with my signature. Please remove the following fraudulent account immediately, thank you. 

Account Opened Amount Portfolio Recovery XX/XX/2017 {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01
Company: Resurgent Capital Services L.P.
State: GA
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:
Around XX/XX/XXXX, XXXX XXXX XXXX allowed someone to open an account under my name, I never opened, approved, applied to this company or even spoke to them. Someone received a credit card for the amount of {$400.00} and immediately Maxed it out. I wasnt aware of this account until i received a letter from a collections agency demanding payment. The account closed after 120 days of non payment in XX/XX/XXXX, i have reported this numberous times to all three credit agencies and XXXX XXXX XXXX   refuses to remove it. I have sent numerous requesting verification of the debt with no response over the last 6 Months. They are unable or unwilling to send any form of verification. I have spoken to XXXX XXXX XXXX directly and they refer me to the collection company that the debt was sold to, I have contacted the company many months ago and they removed the item from my credit report after my requests for verification were unable to be accommodated. I wish to see this removed from my credit reports and have since then placed a credit lock on all 3 credit agencies on behalf of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E  . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
BofA submitted, to the credit bureau incorrect info. During my refi process they tried to foreclose om me and they accused me of being late, when in fact I never missed a payment. I just did not pay the new amount which was more than I could afford, thus the reason for the refi. this process took over 2 years. Everytime I called my personal point of contact they had changed that person and I had to begin the process all over again. I need resolve here. They are affecting my ability to get credit. Account number ending in 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 2018-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They send me to a voice mail system and no one ever contacts me. Please fix this problem and email me at XXXX. Thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 did not authorize the following inquires. 


1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX- XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/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 2017-08-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Over the past few months I have been trying to get the three XXXX accounts removed or to stop reporting as if they are active. According to my report it reads as follows : XX/XX/XXXXLast reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of 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 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion file number XXXX incorrectly reporting my name as XXXX XXXX XXXX. I do not carry a middle name. Please remove XXXX from my name.

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 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I mailed XXXX a certified letter requesting " debt validation, '' and send me everything they ( Transunion ) have on file to validate these collections. Transition has failed to prove me with the requested documents for a XXXX XXXX account, and a XXXX account within 30 days of the date of the letter that was sent.

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 2018-07-01
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: Information belongs to someone else

Complaint:
IN REGARDS TO : EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX GA XXXX. I HAVE SENT COUNTLESS CERTIFIED DISPUTES AND LETTERS ON BEHALF TO EQUIFAX THAT THEY ARE REPORTING INOFRMATION THAT DOES NOT BELONG TO BE AND IS FRAUDULENTLY OPENED OR BEING REPORTED ON BEHALF OF OR MY SOCIAL SECURITY NUMBER OR NAME AND I AM NOT VERY HAPPY ABOUT THIS. XXXX XXXX XXXX ARE BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT AND NEED TO BE REMOVED IMMEDIATEDLTY. I HAVE NO BUSINESS WITH THIS COMPANY OR RELATIONSHIP OR DEALINGS AND I DONT UNDERSTAND HOW THIS COULD BE HAPPENING TO ME. WHY IS EQUIFAX NOT REMOVING OR DOING PROPER INVESTIGATIONS LIKE THEY SHOULD BE DOING.

Company response to consumer: Closed with explanation