BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There was several claims and disputes on the account due to fraudulent activity and 1 I was concerned about was with XXXX when I filed a claim because my phone and my wallet was stolen along with my backpack. I had to get a new phone and when I got the new one, I called and check up on the claim, and they close the account around say XXXX or XXXX they were not letting me log back in view my account do any banking income or outgoing, withdrawals, or deposits of any kind, and I was pretty much put on account closure notice unable to withdraw Any funds and I am on XXXX for Social Security. I called and requested and asked, can I go to the branch, but at every turn they would not let me get any money out would not let me do anything and left me with no options to get funds and now I am in a current situation where Im be evicted and currently being evicted due to not be able play my rent and withdraw cash which I requested and they denied and was told that I can not receive any money until they close the account completely I kept calling. I happen to get ahold of a representative very helpful individual that told me that they could do something where they would open a new account for me and transfer the funds to the new account and then they would set up the new accounts and have all my money just transferred over so I have access to it so I can pay my bills And make rents and we are all taken care of on all your account set up, and when you came time to lifting the notices, I was told no and to make it worse. I called back again today question and find out when the date of my account closing annd the date for expected cashiers check and they have now told me that there is no timetable. They originally said it was gon na be XX/XX/XXXX and now they were telling me they is no set date or time table of closure for my account they dont have one set so I am going on 2 months without aability to get any funds, and I am currently in process and have been served papers to be evicted.

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 2023-12-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a XXXX  XXXX  credit card and then XXXX hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments. 
This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment. 
I later found out that they transferred to Midland Credit management with a XXXX  of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to $ XXXX {$1000.00} but nobody can tell me anything. 
I am not saying that I wont pay this but this is not my fault and I cant be blamed for XXXX pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Nelnet, Inc.
State: NY
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:
I trust this message finds you well. I am writing in response to your letter concerning my federal student loan account with Nelnet Loan Servicing. I appreciate your attention to my concerns and the ongoing investigation into the reported identity theft. 
Upon careful consideration, I want to emphasize my main concerns regarding Nelnet 's reporting on my credit. These concerns are paramount to me and necessitate urgent resolution : Lack of Consent for Contractual Agreement : I have not received any evidence or clarification regarding my initial consent for Nelnet to conduct business with me. It is fundamental, under applicable laws, to demonstrate proper authorization, including a wet ink signature, for any contractual agreement. I request that Nelnet promptly provides documentation proving my consent for them to contract with me. In the absence of such proof, I insist on the removal of Nelnet from my credit report. 

Inaccurate Reporting as per FCRA : The inaccurate reporting related to my federal student loan account is adversely affecting my credit standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request the immediate correction or deletion of any inaccurate information on my credit report attributable to Nelnet. 

-account number ending in XXXX alone has 3 different Dates opened being reported inaccurately on each credit bureau . in fact, all of your accounts are reporting inaccurate dates opened which has been harming my credit profile and this is the 3rd time I'm reaching out to you now. 

Given the lack of evidence of initial consent and the impact of inaccurate reporting on my credit standing, these matters are of utmost importance to me. I appreciate your diligence in investigating the fraud claim, but I must reiterate the critical nature of resolving these specific concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
On XX/XX/XXXX, Truist garnished {$490.00} from my checking account. I filed a complaint with CFPB bearing case number XXXX. On XX/XX/XXXX, Truist responded with a one page letter and photocopied attachments titled " Bank Services Agreement ''. In its response, Truist argues that " the ability to collect these funds is in accordance with Section G.7 of Truist 's Bank Services ... .The current amount due is {$3600.00}. '' While Section G.7 discloses Truist 's right to set off an account without notice at the time of the reset, Truist is under obligation to inform me of the charged off in writing it said occurred on XX/XX/XXXX. Under federal law, Truist must submit prompt notification to the consumer of its intent to charged off and eventually do so. Banking laws pursuant to 1692 et seq. provide that a creditor will usually charge off a debt when a consumer fails to make monthly payments for six consecutive months, at which point the account is closed to future charges, although the consumer still owes the debt. In this case, LightStream recorded my last payment on XX/XX/XXXX in the amount of {$110.00}. Since then, my records show NO EMAILS originated from LightStream to my email box at all. In addition, I received no emails from TRUIST regarding any matters concerning LightStream and the charged off. 
Moreover, under Section 1692, a charged off account occurs when a consumer fails to make monthly payment for six consecutive months. This is NOT the case here. LightStream 's email verify the last confirmed payment was XX/XX/XXXX. XXXX months from XX/XX/XXXX would be XX/XX/XXXX. LightStream 's own evidence proves the charged off was illegally implemented prematurely and in violation of Section 1692 of the Federal Code. 
I have attached two documents : ( 1 ) LIGHTSTREAM COMMUNICATION SCHEDULE XXXX through XXXX and ( 2 ) LIGHTSTREAM PAYMENT SCHEDULE XXXX through XXXX. These documents proved that LIGHTSTREAM 's legal form of communication with me was only by email. 
Although Truist claims that the charged off was on XX/XX/XXXX, LightStream 's last communication to me regarding the account ending in XXXX was on XX/XX/XXXX. The XX/XX/XXXX email was not regarding the charged off. Typically, most financial institutions charge off an account after 180 days, or six months, of nonpayment. Before that time, they may use various methods to remind the borrower of the payment schedule such as calling the individual and sending them letters. In this case, records show that LightStream used NONE these various methods to remind me of my payment schedule ( see attachments ).

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 2023-12-13
Company: LEXISNEXIS
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Lexis Nexis is reporting inaccurate information on my consumer report i have called them multiple times and disputed all of the names on my report as well as all of the in accurate addresses and phone numbers and lexis Nexis continues to switch who they are getting their information from first it was the post office now it is the XXXX after i told them the post office is not reporting my information at all neither is the XXXX but lexis Nexis continues to report the wrong information i only have XXXX name and XXXX address the addresses and other name listed are not accurate yet they continue to report it as such also i have not given my written permission for lexis Nexis to share my information with any third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: VA
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several letters to the consumer reporting agencies and I get a letter stating that it is not me and my letters are not addressed.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: NJ
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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-11-22
Company: Experian Information Solutions Inc.
State: GA
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:
All 3 credit reporting agencies are in violation of my fair credit rights, they are reporting late payments 15USC168a ( 2 ), invalidated charge off and collection on my reports, as well as refusing to remove old address from my report, I have filed a complaint with FTC and will continue to do so until the violation are 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 explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My ONLYphone number is XXXX my ONLY name is XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
XXXXXXXX XXXX XX/XX/2023 XXXX Need fast removal of inquiry off 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 2023-12-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-22
Company: Netspend Corporation
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased XXXX NetSpend cards as gifts. When doing so, these cards are contained in hard plastic and there is NOTHING on the outside that would alert you to the facts that they want you personal private information ( to include your date of birth and social security number ) to activate the cards. In addition, they charge monthly fees... .fees that are not disclosed on the package during a purchase. This is flat wrong and very deceptive! I am embarrassed that I was not aware of their practices and the {$50.00} gift card is now worth {$38.00} ... .that is before they use it as their is a fee due that too. XXXX! If they can not make it very obvious to a consumer prior to purchasing XXXX of these worthless cards, then they should be taken out of all stores. I am highly upset and I will pursue this to the full extent. Deception is against the law and this is a definite XXXX issue. When calling them, you reach someone outside of the USA who requests your personal information per ( direct quote ) the US patriot act. That in itself is a joke when speaking to a non US citizen. No wonder people are scammed on a daily basis! Please look into this matter and stop this deceipt.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the attached papers. I desire the bureau to commence an investigation into these accounts, as I have never been tardy, despite them incorrectly labeling me as late.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: IL
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:
I am writing to you again to dispute the accuracy of certain accounts on my credit report. In my previous communication, I raised concerns regarding the inclusion of accounts associated with XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. I am disappointed to note that these inaccuracies persist on my credit report, and I am compelled to initiate a second round of dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Details of the disputed accounts are as follows : XXXX XXXX Last reported : XX/XX/XXXX Amount : {$56.00} Worst payment status : XXXX days late Last payment : XX/XX/XXXXXXXX XXXX  Payment status : No Info XXXX XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX Reported balance : {$2100.00} Highest balance : {$2500.00} Worst payment status : XXXX days late Last payment : XX/XX/XXXX Payment status : Current XXXX XXXX Last reported XXXX XX/XX/XXXX Reported balance : {$110.00} Highest balance : {$240.00} Worst payment status : XXXX days late Last payment : XX/XX/XXXX Payment status : Current XXXX XXXX Last reported : XX/XX/XXXX Reported balance : {$720.00} Highest balance : {$720.00} Last payment : XX/XX/XXXX Payment status : Current I dispute the accuracy of these accounts as they are not associated with my financial transactions. The continued reporting of these inaccuracies not only damages my credit standing but also violates my rights under the FCRA. 

As outlined in the FCRA, I request that a thorough reinvestigation be conducted into these disputed accounts, including verification of their legitimacy and accuracy. The FCRA mandates the prompt removal of inaccuracies from my credit report. 

I have attached supporting documentation, including evidence of my non-involvement with these accounts, for your reference during the investigation process. 

Per the FCRA guidelines, I expect written notification of the results of your investigation within the 30-day timeframe. Failure to rectify these inaccuracies within the stipulated time may compel me to pursue legal action to ensure the correction of my credit report. 

I appreciate your immediate attention to this matter. It is my expectation that a fair and comprehensive investigation will be conducted in adherence to the FCRA regulations. 

Thank you for your prompt resolution.

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