BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Department of Education has many old invalid XXXX XXXX applications, the applications I could not fully fill out due to the Department of Educations online errors and only being able to upload a total of XXXX XXXX  to the XXXX XXXX site. So, I applied for XXXX XXXX via certified mail, which was returned and signed by the Department of Education in XX/XX/2002. This Borrowers application I have noted in several areas, from letters to the White House to the CFPB. I even asked when this application would be processed or if they had received it by phone, and they said they have it but arent sure when it will be processed. I have all of my phone audio with this company on voice recorder so I can back up that they have all of this information, BUT there isnt a pending application review on my FSA site ( see attached ). This leads me to believe that the Department of Education will try again to XXXX me out of what I am entitled to, complete forgiveness of my school loans from a for-profit school. CFPB complaint XXXX shows all the attachments I sent by mail for Borrowers Application. ( see attached for reference )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX XXXX I just got information from XXXX XXXXXXXX XXXX that moving forward, XXXX will be servicing this account. Please Delete the XXXX  XXXX XXXX Account from my profile from my profile. I have not given written permission for this account to be on there. 
According to 15 U.S. Code 1681 - Congressional findings and statement of purpose As A Consumer I have Right to Privacy, ( Accuracy and fairness of credit reporting4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ) Abusive Practices 15usc1692 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( 15usc1681 A # 2 ) ( 15usc1602 L ) Gramm-Leach-Bliley Act : They never explain this sharing of my information Any Violation under Truth and Lending is double the Finance Charge 1635 the failed to explain which is a Violation. 

I have not done any business with XXXX XXXX XXXX, I have sign any contract with XXXX XXXX XXXX. My Legal name is XXXX XXXX and not XXXX and there is no proof that I XXXX XXXX owe any thing on this account. I have not been provided any validation on this account. 

According to FDCRA, I have a write to privacy and I have not given any one permission to transfer any account of my mine or my personal information to any one. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had contacted XXXX many time by calling and written them about the five accounts on my credit report that is not mine. 

1 : TD BANK USA/ TARGET CREDIT 2 : XXXX XXXX XXXX XXXX 3 : XXXX 4 : XXXX XXXX 5 : XXXX XXXX, XXXX I had given them documents that the company, ( XXXX XXXX asked for and still to no end nothing was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-29
Company: Block, Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello. I am experiencing an issue with the company Square that facilitates credit card payments. I am the owner of a car repair shop, and I also sell wheels and tires. I received a call fromt a customer wanting to purchase a set of four ( 4 ) tires. The payment was made through the phone, the customer sent his driver 's license with a picture and adress, and then we proceeded to the payment using Square 's app. The customer provided a credit card number, expiration date and the 3 security digits in the back of the card. The payment was accepted by Square and went through. I ordered the tires, and as soon as I received them I called the customer to come pick them up. He picked up the set of four ( 4 ) brand new tires and went away. About a month later, I received a message from Square that this charge on the credit card was disputed by the cardholder. Square withdrew the money from my bank account, until the cardholder 's bank resolved the issue. 90 days later, I got a response from Square that the bank is calling the decision in their customer 's favor. I contacted Square, demanding an explanation how the bank took this decision, but they are not willing to provide me any details on the bank 's decision, nor which bank it is or what so ever. So how can I be sure that the bank really did take that decision? To me this looks very sketchy, and it looks like Square are not willing to provide any details because they are keeping the money for them, even if the bank made a decision to pay back the money. I am thinking that since Square are not willing to provide any details, the bank might have gave them back the money since it's their cusomer that did not protect his credit card information and Square are just stealing the money. Which is pretty much a theft. I would need your help to resolve this issue, since I have no idea who else to ask for help. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a medical bill from XXXX XXXX XXXX XXXX. I had insurance and this should have been billed through my insurance company. I didn't have my insurance card on me - as i was the one being seen so i called them back after i was released from the hospital and gave them my information. I didn't hear anything for months and then i get a collection in the mail stating this was never paid. I tried calling back to XXXX XXXX and they said it was moved to collections. I called RMP LLC for them to bill this to my insurance company and they said they can't. I don't even know what to do about this- i gave XXXX XXXX the info they needed and somehow my claim didn't get processed thorough insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Paramount Recovery Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a collection put on my credit report and did not know about this medical bill and was never notified by the collection company that they were trying to collect the monies. I dont even know what this bill is for.

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: Credit inquiries on your report that you don't recognize

Complaint:
I have not requested these companies to access my Transunion consumer reports. They have committed identity theft by not getting my permission Inquiry : XXXX XXXX XXXX Dated : XXXX Inquiry : XXXX XXXX Dated : XXXX Delete this information from my consumer file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX. XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO 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 XX/XX/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 2023-04-25
Company: EQUIFAX, INC.
State: GA
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. 


Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 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 ) ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Verizon VISA card from Synchrony Bank. I have signed up for the card in XXXX, XXXX. At that point I was promised rewards for a variety of purchases. I was not able to receive any of the rewards. The online application from the bank will direct me to a Verizon Website. Verizon will supposedly send info back to the Verizon Visa, but instead of crediting the money amount it will debit it. I tried to talk with customer services in both, Verizon and Synchrony bank several times during the year. But they were pointing to each other and the problem was never resolved. Today ( XX/XX/XXXX ) I made another attempt to talk with Synchrony bank, But instead of trying to resolve my problem they were aggressively pushing me to get some type of voucher and pay {$1.00} to have it delivered to me by mail. Even when I refused to submit they were still pushing and were refusing to discuss my problem unless I agree to receive the new promotional item, My rewards money is {$150.00}. This can be easily calculated from the statements.

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 2020-02-29
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have reached out to have payments deferred. I should not have reporting late payments. On XXXX, 2018 I had to work with XXXX XXXX via email to have the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a mobile deposit of {$7000.00} to my account that I received from my parents as a gift. On XX/XX/XXXX my account was frozen, I could no longer use my debit card, make withdrawals or make a deposit to pay my bills. I couldnt even sign in to view my account online. They froze my account while the deposit was pending. As Im writing this on XX/XX/XXXX, I still cant do any of those things. 

I called customer care XX/XX/XXXX and spoke to a lady named XXXX, I have her identification # as well. She told me that all o have to do to access my funds and account is to go in to a branch and speak with them. So I took off work early and wasted about 2 hours going there. Then I am told that they cant do anything. I am now accruing late fees for my bills and mortgage because I cant make a deposit to pay my bills. Along with negative marks on my credit and non stop stress affecting my work trying to get this figured out. They have done nothing to help in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: MONEY SOURCE, INC., THE
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX To whom it may concern, I've been trying to Modify my home loan originally with XXXX XXXX / XXXX XXXX since XX/XX/XXXX. After completing and submitting my application XX/XX/XXXX, I never received a correspondence of denial or approval, and all calls went to voicemail, along with emails going unanswered. 
Pending a foreclosure hearing set for XX/XX/XXXX, I received a letter XX/XX/XXXX from the lender 's attorney stating the property is in foreclosure, and attached a occupied conveyance application for me to fill out. 
On this letter It also said it please contact XXXX XXXX if you have any questions. ( attached ) I immediately telephones XXXX XXXX XX/XX/XXXX, who then told me, they no longer owned my long since XX/XX/XXXX and I never knew. 
After a Web search I discovered the money source owned my loan. I reached out to the money source and told them I was in a process of a modification with loan care to no Avail. 
The money source offered me to apply for a modification with them and I submitted my application XX/XX/XXXX. 
XX/XX/XXXX I received a letter stating that the money source needed a bank statement I see it the money source the bank statement XX/XX/XXXX. 
XXXX The judge extended the foreclosure hearing since I was in the process of a Modification application. 

XXXX XXXX XXXX= follow up call with XXXX XXXX ext. XXXX, says I should hear something by Monday XXXX. Told him I was having issues with account manager, he said he would email supervisor. 

XXXX XXXX XXXX. = follow up voicemail to XXXX Re : not hearing nothing since Monday XXXX. 

XXXX XXXX XXXX =Still waiting on response from XXXX or a electronic correspondence to confirm my submission from XXXX will complete my application. 

XX/XX/XXXX Called T.M.S to follow up on application. 
Told by rep ( XXXX XXXX ) all documents had been received and to leave a message for XXXX. 

XX/XX/XXXX missed call from XXXX XXXX XXXX 

XX/XX/XXXX called XXXX back XXXX XXXX 
Held for 15 minutes, than sent to XXXX 's Voicemail. 
Left voicemail. 


XX/XX/XXXX called again to speak with XXXX Sent to voicemail. 

XXXX No returned call, no follow up documents on application status. 
XXXX I discovered TMS told their attorney they were waiting for documentation from me and I had till the end of the day to submit it. Documents I had and still have no idea about as of this letter. 
XXXX No returned phone call or answered phone call with TMS. Also no corresponding letter stating missing documents or of approval or denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-19
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report XXXX XXXX XXXX XXXX XXXX  These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates.

I have not gave anyone written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: ALLY FINANCIAL INC.
State: CA
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:
There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. Thanks.

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