BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX constantly call me and threatening me with reporting me to the credit bureau for none payment of my loan. I have been consistently enrolled in school for the past two years, however, I keep getting statements saying that I'm past due and a failure to pay would result in bad marks on my credit. 

The terms on my loan stated that while enrolled I do not have to pay on my loan. XXXX has ignored the fact that I send {$50.00} a month for over a year and none of those payments has been reflected in any statement. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
XXXX XXXX XXXX still shows that I have over {$1000.00} balance. I had paid it down to XXXX & than all new transactions that were fraudulent were made. I reported this months ago, but they are still taking my minimum payment ( which I shouldnt have to make because they are not my charges ) I told them to close my acct. but it keeps showing as open. 
Same thing happened with XXXX XXXX Citicard. I want them all closed, but they keep showing as open. 
Also my XXXX Credit Journey dropped by over 50 points. It stated there were 7 recent hard credit pulls. I have made 0.

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 2022-09-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
me and my wife got a settelment. we deposited it in our chase account.they put a 7 day hold on it.after the 7 day hold they froze our account said checks where fraudulent.the checks came from our attorny allmost 14000 dollars we went to the bank on the XXXX of XXXX we where told the checks would be mailed back. the checks cleared our attornys bank on the XXXX of XXXX. we still have not seen a check or our money. please help my phone is XXXX XXXX XXXX its been three weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/22, my Venmo account was frozen/suspended. I am unable to add funds and/or transfer funds to other persons. Ive had to delay sending funds to family for vacation expenses since the restriction. I attempted to resolve the issue with Venmo or XX/XX/22 and was told that my case requires additional attention from another team. However, I was not told why my account was restricted. I contacted Venmo again on XX/XX/22 asking for additional information and an update and was told that an additional investigation was needed to verify my identity, however nobody has contacted me to resolve the issue. Its been three weeks since restriction with no response. Ive been willing to cooperate but Im being told I can not speak to any account XXXX. The lack of clarity and transparency for an account restriction is outrageous. I want to help with the issue but I am constantly running into road blocks on MY account. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a member of Experian credit reporting. Before I was a member I requested that they " freeze '' or lock my account due to all the fraud that was going on. 
On XX/XX/2022, I requested to have the automatic payments deducted from my credit card stopped. I wanted to pay another way. 
They cancelled my account because they did not want to accept any other form of payment. Then I received an e-mail stating that my account has been unlocked because I am not a member any more. Attached is e-mail. 
On XX/XX/2022 I sent a letter to Experian in XXXX XXXX, CA asking to solve this problem by freezing my account. Attached is copy of letter. 
As of today I have received no response. 
Please help my to solve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Dates I can not provide as this problem has been ongoing for about 2 years and everytime I call them I am under the assumption that my problem was resolved. It started in winter of 2016 when I asked them to cancel my subscription. They did for few months when I started to get billed again. Since then I have called several times and I am always fighting with them. Last phone call was before the new year and the person I talked to wouldnt accept my cancelation. Instead he kept giving me rebuttals. After an hour on phone I accepted 2 months at XXXX and was supposed to be canceled then. As of today, it hasnt stopped. Money is still being taken out of my account. This is 3 times already over about 2 and half years. Everytime I call it always ends up in their favor no matter what. Im to the point I dont even want to call anymore but I want this stopped. The fee was little over priced at first ( which I dont remember ). Then they dropped their price everytime until now and its XXXX reaccuring.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, this collection agency sent me a letter or statement to my house. I called them yesterday I informed them that I resolved this several years ago but they dont give me a clear answer. 

XXXX XXXX, XXXX this collection agency I call Them yesterday. I let them know that I dont owed any rent in this Apartment Community this was resolved several years ago. But she dont want to listen to my explanation. All she said give me your credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, Ive just discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602 A. I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX XX/XX/2022 at XXXX XXXX XXXX I received a telephone cal from XXXX XXXX XXXX XXXX XXXX XXXX regarding an unpaid debt for a Citibank Visa card that I held over 10 years ago, which remained unpaid. I have never received any kind of debt verification from either this collector, or from Citibank. I have asked XXXX XXXX XXXX to send me verification of this debt. I no longer have any documentation of regarding this Citibank credit account. I held this account over 10 years ago. After speaking to the Representatives from XXXX XXXX, I did a search on XXXX regarding this firm, which was given the grade of XXXX XXXX XXXX XXXX XXXX XXXX I gave the rep my current address, since I requested written verification of the debt, sent by U. S. Mail, which they were reluctant to provide. They were advising me to contact Citibank for that verification from their archives. I contacted Citibank, and even though I never paid off the debt, they no longer had any information on that account, especially since the account was closed over 10 years ago. I then spoke to my attorney regarding the statute of limitation on collecting an old debt. According to him, this statute varies by state. 

When I initially applied for this card, Citibank had their credit card operations in XXXX XXXX. According to information I found on XXXX, XXXX XXXX XXXX  statute of limitation on debt collection is 6 years. 

With the information I was able to gather, I am convinced that I was targeted again by a scammer. Once I have written verification, I will add additional from XXXX XXXX regarding this issue.

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 2022-12-09
Company: Cascade CISS Holdings, LLC
State: PA
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:
Company was never authorized to share personal credit reports with 2nd, 3rd or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
The account Account # : XXXX XXXX is not my file nor am i responsible for it. I do not have any knowledge of this account nor do i own this account. I was never contacted about this account being reported. Delete this account because it is reporting in error.

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 2022-09-27
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has confirmed multiple times that the bill for the non-return router of {$780.00} has been disputed. ticket number : # XXXX and # XXXX however MRS BPO, L.L.C debt collector refused to dispute debt and insist that I have to pay it off. XXXX has done a 3 way call to explain to them that I am no longer responsible for {$780.00}, but MRS BPO, L.L.C sent my " debt '' to my XXXX, XXXX, XXXX and made my credit dropped XXXX points.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: ME
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # xxxxxxxxxx XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX 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 or information, other than records of conviction of crime 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 reporting agency if the person know or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a dilemma and I am hoping to have this figured out. I have a bankruptcy listed on my XXXX, XXXX, and Transunion report. It states that it is an account or record for me. After looking into the matter I contacted the courts about this and they advised that not only do I have no reference to this record but that it was never be shared with the credit reporting agencies. I request the bankruptcy and any accounts associated with it be removed immediately. Reporting incorrect or inaccurate information that is not true, or even given to the credit reporting agencies from some 3rd party without my permission is a violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Receivables Performance Management, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid on XX/XX/2021. I was on an autopay with the company. I never received a final bill or any documentation from XXXX saying i owed anything else. Collection agency wouldn't give me back-up documentation supporting what I owed or my payment history. XXXX is unable to provide me any documentation as well.

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 2023-11-11
Company: EQUIFAX, INC.
State: CT
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
. I received a letter today from Wells Fargo saying I am approve for a short sale. I have to le them know by XX/XX/XXXX which is only a week away. I dont feel that is enough time to decide. First off we have no place to live. We are seniors and have been trying to get into affordable housing but there are waiting list 2-3 years long. My husband is disable and is home bound. I will have to pay a service to get him out of the house. My main problem is the length of time Wells Fargo gave me to decide for a short sale or not. A short sale is a life changing event. I will like to file a complaint about the short sale time line.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # xxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX 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 or information, other than records of conviction of crime 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 reporting agency if the person know or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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, this creditor has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy, 15 USC 1681 section 604 A section XXXX also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Legal name is XXXX XXXX XXXX on Florida Drivers License. 
XXXX XXXX XXXX XXXX XXXX FL XXXX has been my legal address for 12 years. 
My ONLY phone number is XXXX. 
NAMES MUST BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX All of the above information needs to be removed immediately. None of this information on my EXPERIAN credit report is correct. Please confirm in writing all incorrect names have been removed. All incorrect address and phone numbers have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief