BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: Experian Information Solutions 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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to XXXX, XXXX, or XXXX any person at the called number.

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 2017-01-20
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I called Nelnet to request a lower payment option. They told me that I was not eligible as my husband and I combined made too much money. They told me I could do a forebearance, or file my taxes separately from my husband for 2016 and then they could get me a lower payment. This is just ridiculous to me. I am paying the loans, on time, every month, and I 'm paying extra on them when I can. And all of that means nothing to them because they want me on the hook for the loans longer so they can make more money in interest. It 's not a good or ethical business practice. At all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Westlake Services, LLC
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am challenging the reported information from your company WEST LAKE FINANCIAL account XXXX the company is reporting a repossession with a balance of XXXX. I state law state I could 've taken possession of my vehicle. I attempted to take possession of my vehicle back before a 30 day period the company never informed me that they had been sold the vehicle and a balance was owed of the car. The law states that the company is to provide me with a copy of the purchase sell of the vehicle this company never provide any document on this vehicle. I am disputing the balance that this company is reporting to my credit report also I am disputing the late payment comment the information that is being reported is incorrect I am seeking validation on the information that your company is reporting to the credit bureaus. I will be seeking Legal advise if this matter is not correct or remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: JPMORGAN CHASE & CO.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I am need of help on how to proceed with credit card debt : 1. Signed up with a credit card debt consolidation company 2. No results, so stopped sending payments 3. Filed a chapter XXXX bankruptcy 4. Voluntarily dismissed due to large IRS debt on both ex-husband and myself that made payment unobtainable. 
5. Obtained a mortgage modification to save house. 
6. Communicated with IRS to become 'non-collectible ' Currently, credit card debt that had sat idle is now coming forward to collections and I need assistance on how to proceed effectively. 

I 'm afraid that bank accounts will begin to be levied or propterty seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Im having a huge issue with Santander Consumer, they reporting to the credit bureau that my loan is not paid in full. They charging fees huge fees for me paying this loan off XXXX. XXXX time and I believe XXXX dollars in the month of XX/XX/2022 I disputed them numerous occasions evertime I dispute them. They update with me owing more. I have receipts proof and the bureau still have not changed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Over the past year, I have been receiving sign-in attempt notices, alerting me to the fact that the app was not secure. On XX/XX/XXXX, I received a text and a phone call from someone saying that I need to send information to verify my Venmo account. The text looked fraudulent so I try to log into my Venmo account. 

As I was calling Venmo, I received another message from them stating that I requested XXXX dollars from another Venmo user. On the account, the Venmo agent alerted me to the fact that someone added another bank account on my Venmo ( not my XXXX  XXXX XXXX account that has been on my account for several years and the person who requested the funds posted it on that account. The Venmo agent told me they would investigate but they would need to block my account in order to investigate and prevent further fraudulent charges. 

Today XXXX, Venmo sent an email stating that I must email the XXXX dollars, though it is obvious that it was not deposited into an account with my name. I am trying to gather the evidence that I sent to them but since they have blocked my account, and I switched phones, they now have all my evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-27
Company: Experian Information Solutions 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:
REPORTING FRAUD ON TH E   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX   XXXX  , TX   XXXX   / 2. EQUIFAX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE   XXXX   XXXX   XXXX  . I BECAME  XXXX  IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.   XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   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 non-monetary relief
Consumer complaint received 2017-05-27
Company: Experian Information Solutions 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:
REPORTING FRAUD ON T HE  XXXX  MAJOR CREDIT REPORTING AGENCIES. 1. EXPERIAN   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  / 2.  XXXX    XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.  XXXX    XXXX   XXXX   XXXX   XXXX  , PA   XXXX   / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE STATE MEDICAL INSURANCE. I BECAME   XXXX   IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.    XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER    XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} UpdatedXX/XX/XXXX  XXXX XXXX XXXX  {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated 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 2022-03-20
Company: EQUIFAX, INC.
State: NV
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 XXXX Accounts listed below 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 Accounts in violation of my rights are listed as follows : XXXX XXXX XXXX  Acct # XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX  Acct # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Credit Card Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX  Acct # XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX , DEPT OF EDUCATIONXXXXXXXX XXXX  Acct # XXXX, DEPT OF EDUCATION/XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Credit Card Acct # XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX  Acct # XXXX, DEPT OF EDUCATION/XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Credit Card Acct # XXXX, XXXX XXXX Credit Card Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX, XXXX, XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX account Acct # XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct XXXX XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX, Date : XX/XX/XXXX, XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
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:
I am a victim of Identity theft someone stole my personal information to open fraudulent account. this is very stressful. I called the companies to report these account as fraud and i notice that these fraudulent Accounts is still showing on my credit report. I want these Account blocked from my credit

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 2016-09-21
Company: JPMORGAN CHASE & CO.
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Was trying to use my Debit Card on XXXX/XXXX/16 and was declined. Checked online banking and received notice that my account has been frozen. I called cusotmer service and they said my account was closed but they could not or would not tell me why but no withdrawals or deposits could be made on my account. Was not given a courtesy call from the bank letting me know what is going on. Went to the branch on XXXX/XXXX/16 and was told the same thing. Yes it is frozen and will be closed and you will receive a letter and any remaining funds in the account in about 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: DC
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:
This credit reporting agency continues to report adverse information on my credit report without my consent. I have requested several times from the Credit report agency to remove un-verifiable information from my report. They have not complied to my demands or provided proof that the information was verified. Which is a violation of my consumer rights. I am asking for the help of the CFPB to assist me with this credit reporting agency as they are willfully not complying and violating several Federal consumer laws with no consequence and negating proper compliance investigative procedures when a CFBP complaint is filed by simply closing my complaint by stating we will mail you the results. CFBP stop allowing this credit reporting agency get away with this. There no compliance has caused me great hardship and I need your assistance immediately to ensure they comply and follow federal consumer laws. I request they provide proof of evidence via CFBP immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I received a notification that a collection account had been placed on my credit report in the amount of {$550.00}. According to my credit report ( since I never received anything directly from this company ), it was from a recent apartment complex that I lived in last year. This was shocking to me because I have never received ANY communication from this company and had no knowledge that this account was due. I was not informed by the initial company saying I owe the debt, neither was I contacted about this debt from the debt collector until I saw the collection on my credit report. I then reached out to this creditor via certified mail at the end of XXXX requesting a response and a debt validation letter. It is now the end of XXXX and I still have not received any calls or documentations proving that I owe this debt. However, it is still showing as a past due collections on my credit report. 

I never received any documentation from this company letting me know that this account was due. I was never given the chance to dispute this debt. I was never given the chance to possibly settle the debt before the lasting effects of putting a collection on my credit score for the next 7 years. This can not be legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: MN
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:
I am applying for a mortgage loan. I was denied because of not having a  XXXX  on my credit report. I knew my credit was n't great, but below a  XXXX  seemed incorrect. I paid for my credit report from Experian. The report I paid for gives me a score  XXXX .     When I forwarded this information to the bank, I was told Experian sent them a report stating my score is  XXXX , with  XXXX   &   XXXX  scoring me even lower.     I asked the woman at the bank if this was common, her response was " Let me just say that the scores we have are usually lower than the ones consumers tell use they are given by the actual agency. '' Considering the importance of these scores, how is it legal to sell information that is different to two separate parties about the same individual?     People are more th an a 3-digit credit score &  companies who have such a large role in determining such important aspects of Americans lives ' must operate fairly.     Experian is either lying to me or lying to the Bank, neither of which is of any comfort to me. I can not buy a home due to this error/falsehood.     It is your responsibility to oversee these companies & protect consumers.     Do your job, please.

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 2022-03-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband was XXXX  for over 3 months due to XXXX. During this time I fell behind on some debts. I didn't receive notice of the delinquency and don't know what this debt is for. We are struggling on one income since my husband is still requiring XXXX  to function and unable to work. This has caused us a true hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} Updated XX/XX/XXXX XXXX XXXX XXXX {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: BMW Financial Services NA, LLC
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 did not consent to, nor benefit from, or authorize any of the following accounts : BMW FINANCIAL SERVICES {$21000.00} BMW FINANCIAL SERVICES {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : 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