BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # unknown has violated my rights XXXX XXXX XXXX # unknown has violated my rights XXXX XXXX XXXX XXXX, Account # unknown has violated my rights XXXX XXXX, Account # unknown has violated my rights Inquiries : XXXX  XXXX XXXX  has violated my rights XXXX XXXX  ( listed 2 times ) has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX  XXXX has violated my rights XXXX  XXXX XXXX XXXX has 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 many make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-04-25
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hi I am in desperate need and would greatly appreciate your help. I called both XXXX as well as Nelnet requesting the original Promissory Note signed for the loans in question and was told that neither servicer had them in their possession. I called the Department of Education and I was told that I was not in their system. I logged onto XXXX and saw that they were reporting all of the student loans as closed. Then logged on a couple of weeks later and the loans were back active. I submitted a dispute to all three credit bureaus stating that they did not have the promissory note and I received a response from Nelnet saying that I had previously signed a forbearance ( hardship ) .Obviously, I signed the hardship forbearance because I could not afford to make the payments. I received a call from XXXX today and I was told that they will send me something in the mail soon ( possibly a promissory note ). I am not saying that I don't owe a student loan, I'm saying that I have no idea which loan is legitimately mine. I am confident that all of the loans that both XXXX and Nelnet say are owed by me are not mine. I have been dealing with illnesses most of my life but deemed XXXX in XX/XX/1998 by Social Security. I've tried working twice but found myself continuing to battle my illness which keeps me unable to work. I'm just asking for fairness and clarity. I was a victim of identity theft with XXXX XXXX, someone was stealing what little money I had. I filed a police report last year. Hopefully, whoever it is will be caught. Meanwhile, I am begging for your assistance. Please help me to secure the original promissory notes for all of the loans that have been assessed to my account. Thank You!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Ive submitted requests to all three credit unions ( XXXX, TransUnion, and XXXX and neither was able verify the account, so I requested it be removed within 30 days and it still havent. I have an account from XXXX XXXX XXXX that should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing to dispute a balance of {$190.00} to my credit card account on XXXX. I have made multiple requests to close this account by phone with three of your agents. These erroneous late fee and interest charges on the late fee are applied callously to an account with a XXXX balance. 
I initially requested to close my account when the bank opted to downgrade my credit limit from {$650.00} to {$150.00} although my account was in good standing with a very low balance. The bank ran my credit again negatively contributing to multiple inquiries which caused my score to suffer. When the account was opened my initial credit limit was {$300.00}, being down graded through no fault of my own was an insult. That is why I called to close the account with a XXXX balance. Your agent quickly apologized and stated he would escalate the matter, but no supervisor or manager reached out to me. 

Although my credit limit had been increased. I did not abuse my account due to lack of quality merchandise carried by XXXX XXXX XXXX. 

I am requesting that the error be corrected, and all finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. After making the corrections please close this account. Please promptly address these concerns on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
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: Account status incorrect

Complaint:
I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/ payment period put me at 120, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a federal employee. That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX XXXX, XXXX, and TransUnion were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States XXXX XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX. According to the Administrative Procedures XXXX we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. XXXX, XXXX, and TransUnion sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that XXXX, TransUnion, and XXXX in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of XXXX. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.

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 2021-01-28
Company: ATG Credit, LLC
State: PA
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 attended XXXX XXXX XXXX XXXX back in XX/XX/XXXX then due to circumstances with my family, I had to leave then re-enroll in XXXX. From that first enrollment, I was told by multiple financial aid advisors that I had no other account with them and that I am all up-to-date in my student loans. I received a few calls throughout XXXX regarding an overdue balance of {$4500.00}. I would ask when it was placed, ANY information regarding it and they would just say " you have a balance of {$4500.00} and It doesn't show me any other information after that. There's nothing else on your account so you should be all set. '' I thought it was super weird and suspicious that no one can tell me where this {$4500.00} came from and if it was from that first enrollment period then I can understand but nothing else showed in the system for them? 
After not getting random phone calls every 4-6 months, I received a letter in the mail saying the account is in collections with ATG credit and you need to settle the amount of {$4200.00} immediately. I check my credit score regularly and immediately had seen at that moment it hit all 3 credit bureaus and my score dropped 30+ points. I explained to ATG credit that XXXX confirmed multiple times I do not have any unpaid balance with them and there is no record of that amount coming from anywhere else, not from my 1st enrollment or 2nd, NO WHERE ELSE.

It is extremely fishy and disheartning to see my credit score drop so drastically when I worked my XXXX off building it up to a good spot to buy a house in the near future and to be financially stable. I was at a great place with it, compared to where it was originally, and this collection account wiped away all that hard, earned work. 
I disputed it multiple times with XXXX XXXX and XXXX  but there has been no luck with XXXX. Both XXXX  and XXXX  removed the collection account from my reports but XXXX  is, for some reason, keeping it on there. It is so frustrating because I had the same thing happen with XXXX XXXX and found out, through the XXXX  that they are frauding accounts due to the pandemic. Please comply with the rest of the reports and remove the ATG Credit collection account for {$4200.00} off my XXXX  credit report immediately. Thank you for listening!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX has 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 a account without my written instructions

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 2023-08-07
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ I called my bank to open a merchant dispute for 4 transactionsamde with my debit card on XX/XX/XXXXXXXX   for an ammount of {$61000.00} Merchandize not received, I bought XXXX XXXX XXXXXXXX XXXX and must be delivere on or before XX/XX/ Couple of days ater the claim was opened I got provisional credit for only one of the four trasnactions. So I called the bank and they told me that the claim was open as " fraud '' and only for 1 onf the 4 transactions. So I requested to fix that issue and the bank said they will call me back, something that never happened. 
Today XXXX  XXXX I been dealing with the bank by phone more than one hour, the call has been transfered 5 times and finally the call was disconnected, then called for second time and nobody answer.

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 2023-04-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
Ive submitted requests to all three credit unions ( XXXX, XXXX, and Experian and neither was able verify the account, so I requested it be removed within 30 days and it still havent. I have an account from XXXX XXXX XXXX  that should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSWORLD SYSTEMS INC
State: ME
Product: Credit reporting 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 second request. I have already provided proof I lived and worked in XXXX from XXXX to XXXX with no gaps. I provided my resident permit and driver 's license to the collection agency. I have also told them to mail what ever they need me to sign to my address in the XXXX XXXX, which the never did. 

Now they have sent me a note saying this has been verified. That is not true. I never lived at the address in question. Even my name is spelled wrong. Clearly the account was opened by a third party without my knowledge or consent. 

Please see their response, with a different spelling which is not me. 

XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX ZIP : XXXX Account Number : XXXX XXXX Invoice Number : XXXX Bill Print Date XX/XX/XXXX Due Date XX/XX/XXXX Previous Activity/Charges Total Amount Due at Last Bill {$100.00} Payment received {$0.00} Previous Balance {$100.00} Please Note - Bill Due Date does not apply to Previous Balance Due. 
This balance is DUE IMMEDIATELY. 
Payment Arrangement Monthly Payment Arrangement Installment {$370.00} XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$8.00} XXXX XXXX XXXXXXXX {$31.00} XXXX XXXX $ XXXX XXXX Service + {$12.00} Current Balance {$93.00} If Payment is received after due date, a late fee will be assessed. 
Total Amount Due {$580.00} Remaining Payment Arrangement Balance {$390.00} Again, that is not me, and never was my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello, I recently reviewed my Credit Profile and see numerous accounts of alleged debts that I am not aware of. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: FORD MOTOR CREDIT CO.
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 belongs to someone else

Complaint:
I am a victim of Identity theft this account does not belong to me this is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Account status incorrect

Complaint:
I contacted TransUnion and XXXX regarding inaccurate reporting of 4 accounts. 
1. XXXX- 3 late payments reporting 2. XXXX XXXX- 5 late payments reporting 3XXXX XXXX XXXX - 6 late payments reporting 4. XXXX XXXX XXXX collection reporting The credit cards XXXX  XXXX XXXX and 2 XXXX XXXX accounts. I spoke to several representatives about inaccurate reporting and invasion of privacy. According to 15 US Code 1681 it is the consumer reporting agencies grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Because they are being paid to report these derogatory items they are not reporting fair and accurately and have not fulfilled their duties to re-investigate requesting physical evidence but only accept the payment and re-using the initial documents these creditors send them while neglecting the law, my right to privacy and basically accepting these payments as bribes and extortion to hurt my name and credit score. Also, as per 15 US code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party meaning any financial transactions between me and any financial institution. The creditor is sending financial statements even after I have opt-out and exercised my right of non-disclosure and after speaking with both CRAs they refuse to comply to federal laws. I want these accounts updated to never late and paid on time as a resolution. 

XXXX XXXX XXXX- I have no business with this collection agency. They have not send any physical evidence such as a written contract between this business or me. there is no trilateral contract including this company between XXXX, myself, and them. Please have this account 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 non-monetary relief
Consumer complaint received 2021-11-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update/delete the current status to reflect accurately.

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 2020-02-04
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I am requesting information as to why Navy Federal Credit Unions Zero Liability policy is being disregarded here. I have attached information regarding the failure of NFCU to provisionally credit my account during the investigation of two transactions during which both merchants are contractually obligated to provide me with refunds for services I could not use and did not receive. Please advise regarding next steps. 

Best, XXXX 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 2022-09-13
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mariner Finance refuses to correct their consumer credit reporting. I have tried several times to resolve with them directly but have not received any follow up about their actions and have not seen a change in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation