BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: Nelnet, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Within the past few years, I have had multiple issues with Nelnet. I originally went to XXXXXXXX XXXXl in XXXX, and my original Student loan lender was XXXX XXXX. I had no problems in the beginning, while I was waiting to find a job my loans were in deferment. My loans then were transferred to Dept of Ed/Nelnet, I received a notice that my loan was transfered information however was not told this would effect my deferment. When I received my first bill in XX/XX/XXXX I filled out the paperwork for an extension on my deferment as I had not yet found a job as a nurse. I never received a confirmation that my deferment was approved or denied, however I did not get another bill and stopped worrying. It was not until XXXX of XXXX that I received a notice that my account was severly delinquent and I called immediately to resolve. I place another deferment on my account when offered. That extension took me until XX/XX/XXXX when I received a notice along with another option to defer. My parents had instilled in me the importance of good credit and I knew I was still not financially able to cover my payments at that time and did not want to risk negative remarks, so filled for another deferment by mail, sure that the same error could not happen twice. I received nothing from Nelnet until XX/XX/XXXX when I became worried that no news was not good news. I reached out to them and was told that my account again was in delinquent status, and was even told by the representative that she saw my deferment request from XX/XX/XXXX and stated she didn't " know what happened '' and gave her apologies. The representative said they had sent me notices by email, and when I asked what email, she had one that was not/had never been mine After My call in XXXX I asked to speak with a supervisor, and that had been the last of my troubles going forward. I reached out multiple times to Nelnet, Dept of Ed and XXXX with either no response or an explanation as to why, even if inaccurate, they do not remove late payment history. I was told by one representative that people try to " scam the system '' and that is why they do not make changes. I tried to better my life going to XXXX XXXX and now as I get ready to look for a home, those inaccurate late payments are making it near impossible. I have reached out multiple times, and although told they apologize, and it was " simple human error '' and to " deal with the consequences '' I have decided to defer my complaints to CFPB in hopes of getting help removing these inaccurate late payments. I will attach some documents/responses I have received that I hope will help to assist with this matter and I look forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, I logged on to my Navy Federal Credit Union ( NFCU ) app to check my account balance. Once in the app, I checked over the transactions and saw my husband 's paycheck for {$680.00} was deposited by his company as a credit on XX/XX/XXXX ; I also noticed a pending adjustment/debit for the same amount of his paycheck, {$680.00} that had already been taken out of our account. As soon as I saw this adjustment I contacted NFCU right away. 

I called in to the checking account inquiry line, who reviewed the account activity and said the adjustment/debit was for a credit card we had previously with their bank that needed to be paid. The representative then transferred me to the credit accounts and I spoke with a female representative there who stated they tried to contact my husband multiple times regarding payment, and because they were unable to speak to him regarding a payment, they debited our checking account for a payment. I then asked the representative if they were able to adjust the debit back in to our account, to which she told me no, they could only give us back {$100.00} of the debit due to non-payment, so they kept {$580.00}. I was very unhappy about this, but honestly, I dont know if there's anything I could have done to have them put the full amount of the debit back in to our account. I set up a weekly debit for the card account so they will receive a payment each week until its paid in full. 

My main grievance with NFCU is that they took my husband 's entire paycheck out of our checking account with NO NOTICE. Are they allowed to take the money out of our account like that?? I asked the representative, " how are we supposed to live until he gets paid again if you take out his entire paycheck? '' to which she had no response. I have been a NFCU member since XX/XX/XXXX, and have NEVER had any issues until now, but this issue is enough for me to consider closing my accounts with them. Can you please assist and advise me if NFCU 's actions were legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Coastal Credit, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Coastal Credit LLC Is reporting a auto loan of {$19000.00} to the Credit bureaus XX/XX/2020 as a collection/charge-off. I also have received a letter saying I am past due in monthly payments. I do not owe this debt. I have not received any verification of ownership, auction of vehicle, invitation to come to the auction to retrieve vehicle. I also have not received any official loan agreement that says this belongs to me. This unidentifiable error has caused me hardship and cause my credit score to steadily drop.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-12
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute several times on these accounts to be repaired in my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}

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 2023-01-31
Company: Experian Information Solutions Inc.
State: FL
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Selip & Stylianou, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid full amount they were collecting for XXXX XXXX on XX/XX/2021. They have not notified as XXXX as of yet that amount was paid in full neither provide with any further information other that the account has been settled and they dont know why is not remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MN
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 have been waiting for Equifax to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information below : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX ( a collection agency ) continues to report erroneous information on my credit report. I have made several attempts with the collection agency and the credit reporting bureaus to have this debt validated ( which they did n't ) and removed from my reports but it somehow keep reappearing on 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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'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 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 2021-05-25
Company: Experian Information Solutions Inc.
State: VA
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:
Experian stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with experian they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court eastern district of va. Well per exhibit A which is a letter directly from The courts proving that experian reported a false and inaccurate item. Per the bankruptcys court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the 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 explanation
Consumer complaint received 2019-08-09
Company: ERC
State: WV
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 XXXX, 2019, I received notification via identification/credit monitoring agency of a derogatory item on my XXXX  credit report. Upon review of my XXXX  credit report, I noticed a report of collection by " XXXX XXXX XXXX XXXX  '' ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone ( XXXX ) XXXX ) for the sum of {$130.00}. The original creditor was listed as " XXXX XXXX. '' ( Original CR entry attached. ) On XX/XX/2019, I filed a dispute with XXXX  indicating that this is NOT my account. On XX/XX/2019, XXXX issued a letter stating : " After reviewing your dispute, we found the information you disputed does not currently appear on your XXXX credit report. '' Apparently, XXXX XXXX XXXX XXXX had withdrawn their reporting. 
On XX/XX/2019, I received another notification of another derogatory item on my XXXX  credit report. Upon review, I noticed that this was for the same {$130.00} to XXXX XXXX. This time, however, the account was reported by " Enhanced Recovery Co. '' ( XXXX XXXX XXXX, XXXX, FL XXXX and/or XXXX XXXX XXXX, XXXX, FL XXXX. Phone ( XXXX ) XXXX ). 
It appears that in anticipation of a pending nullification of the account in question, XXXX XXXX XXXX may have sold the disputed account to Enhanced Recovery Co. This seems like an unethical business practice. No honor among thieves, though, I guess. 
My issues are, first, this is NOT my account. Secondly, how can this account ever be properly addressed if every time it's disputed, it gets sold to another collection company? And finally, how can a collection ever " time out '' if these collection companies keep bouncing them back and forth, resetting the clock. It was sheer luck that I noticed this. Thanks to " XXXX '' for the heads up. I never received any notice from XXXX XXXX XXXX or Enhanced Recovery Co! Without monitoring, this may have followed me forever! And it's not even mine! This seems like fraud to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been dealing with some health issues for awhile and had not been using my checking account and finally was able to make a deposit of XXXX upon making the deposit of XXXX it was removed from the account. when i contacted they said it was applied to a credit card account that was charged off and would not provide any details of what the account details were other than a balance. I have asked them to send me a full detail of what the charges are on the account including what fees, interest and how they have come up with this balance. they refuse to give me any details other than a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: FL
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:
The Fair Credit Reporting Act is the federal law that spells, among other things, out how long negative information can remain on your credit report. I have contacted Equifax on several occasions advising them that this company XXXX XXXX XXXX is a fraud company that's trying to collect debt on old stuff. I did tell them the company is stating I took a loan out online but there is no solid proof that, that's me. There are statute of limitation a debt collect can report something on your credit and for Florida they have four year. This so called debt they say I owe is over 6 years ago. And I never received a any statements in regards to this issue. Also the representative with Equifax does not understand English and that bother me no one is helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
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: Account information incorrect

Complaint:
XX/XX/XXXX my car was in an accident and the car was totaled out on XX/XX/XXXX and the leasing company XXXX XXXX was paid XX/XX/XXXX. The company Is stilling reporting the account open and said they are not closing the account because {$500.00} deductible for the insurance. The company is not reporting accurate info 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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, and XXXX, even after attempts of removal with credit repair company on my behalf. It also appears on XXXX  with the date of XX/XX/2011.

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 2020-11-25
Company: EQUIFAX, INC.
State: MI
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 have attempted to fix this inaccurate Public Record on several occasions with the bureuas. They claim to have verified it through XXXX XXXX, this can not be true because XXXX XXXX has removed this inaccurate data. The Bureaus have not conducted a real investigation, I have proof of attached of what XXXX XXXX is removing this the bureaus need to follow suite and Stop falsely validating,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2023 I deposited a XXXX check for {$8000.00} into my Truist checking account. As of today, XX/XX/2023, the funds are still showing as pending due to an administrative hold. This has caused the account to go into the negative and they ( Truist ) are now charging me overdraft fees which they are refusing to refund. I know the check has cleared, I have proof of funds, and they are drawing interest off my money while denying me access to it. I have been a customer with an account in good standing at this bank when they were Suntrust for close to 20 years. How is this legal? There should be laws against this, because it is extortion. There are hundreds of complaints about this online. This bank is shady and criminal. This is theft. Plain and simple. Customer service is rude and unhelpful.

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 2020-07-08
Company: Experian Information Solutions Inc.
State: MD
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 filed a dispute with experian about an account that is not reporting accurate, I sent documents to them showing that its reporting incorrect they continue to report this information wrong

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 2023-01-31
Company: EQUIFAX, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation