BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Nelnet, Inc.
State: AR
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:
I have filed a dispute with XXXX about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with XXXX for past 21 years because somehow XXXX had in their system my daughter SSN number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXXBy law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from XXXX after years of fighting my identity with XXXX.By law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to XXXX or any other affiliate of XXXX I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Bankruptcy

Complaint:
My Discover Credit Card ending in XXXX was cancelled by Discover Bank because I file a bankruptcy the XXXX later was Dismissed by a federal judge my account since 2011 was never late Discover have violation under FCDPA, FCRA AND TCPA BY RECORDING WITH NO MY PERMISSION I NEED CFPB TO REFER TO THE APPROPRIATE STATE AND FEDERAL AGENCY 'S

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently, I became aware that a claim for debt is listed on my credit report from XXXX XXXX. On XXXX, XX/XX/2022, I spoke with XXXX at Hunter Warfield regarding the claim. I advised XXXX that I have video and photo evidence to support my dispute against XXXX XXXX. XXXX stated that no one has ever submitted proof to resolve a dispute and requested that I email the information to XXXX for review. XXXX informed me that I would receive an answer regarding case # XXXX on Thursday, XX/XX/2022. 

On XXXX, XX/XX/2022, I contacted Hunter Warfield to confirm that the emails were received and reviewed. XXXX confirmed, and this case is being expedited based on the video and photo evidence submitted via email. 

On Thursday, XX/XX/2022, I followed up to inquire about the status of my dispute. XXXX requested that I resubmit the same videos for review. I advised XXXX that I would resubmit the information for this dispute to be closed. 

Rent included valet trash. 
On the night that I moved out, the office was closed. Therefore, keys and fobs were left in the maildrop located at the front office. 
There is also an inconsistency within the Condition & Disclosure regarding the dollar amount for a plank. 

I am seeking a resolution with a verification letter that the charges have been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Unprecedented case. After 30 years working with Merchant Services, Bank of America, XXXX XXXX, the XXXX XXXX VISA/MC bankcard machine we used during the ... craft show, did not capture XXXX of a XXXX day craft show resulting in lost revenue ( cyberspace ) of approximately {$9700.00}. Our XX/XX/XXXX show ran XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Tuesday through Saturday. On Wednesday, our credit card machine ( always set to work offline due to poor phone lines at XXXX ) continued to accept customer bankcards from XXXX until XXXX and " batched out '' properly. However, the batch report seemed rather odd indicating a bankcard entered at XXXX and the last XXXX batched out at closing. We immediately notified XXXX XXXX Merchant Services through B of A XXXX. It has been 14 days now and our {$9700.00} remains 'lost ' in cyberspace. Merchant research department, technical department, B of A president in XXXX, XXXX XXXX top leader, XXXX XXXX XXXX office, XXXX and more reps are all unable to locate our funds. They do not know what to do. We are now asking for our {$9700.00} to be put back into our account so that we may move forward to pay our contracted vendors. When the bank asked for more information, we provided XXXX signed receipts with individual charges totaling {$9700.00} including a few cards that may have been declined. We were smart enough to capture phone numbers from XXXX customers per receipt ... but we do not feel it is our job to have to invoice each customer as the bankcards were never declined ... they were simply 'no where to be found '. Bank of America should refund our lost/stolen money and take care of collecting from the customers themselves. It has been 14 days now and the lost authorization receipts have a shelf life of no more than 30 days. Where is our money? Why is B of A shrugging their shoulders and not helping us? We feel, as small business owners we are being treated unfairly when compared to the bigger guys. We are the XXXX ' trying hard to sling our voices towards XXXX ... .Can anyone help us?????

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 2016-12-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Huntington bank has again double debited my checking account!! This time it 's XXXX transactions totaling {$140.00} I have printed copies of the bank statement real time before they change it in the morning, like they did before, they are able to manipulate balance, erase deposits, shift numbers around so that it would be near impossible to figure out except for a brief period where the double debits show, I submitted printed copies of my bank statement showing transactions debited twice with balance once in pending and once in completed. They will change the numbers around ( meaning removing the pending transactions in the morning ) but will not change double debited balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I submitted XXXX applications through the Bank of America, which were both declined and as a result, have negatively affected my credit score due to the number of credit enquiries. The first application submitted for an additional credit card was declined due to not having a 'credit history '. I was issued a letter outing this however, no information was provided to me confirming what the Bank of America classifies as a 'credit history ', how long it would take to establish a 'credit history ' or what I could do to establish a 'credit history '. I did not receive a follow-up phone call or information advising where I could access this information. 

The second application for refinancing on an auto loan I submitted on XXXX XXXX, 2016. I submitted my second application confidently once I was given strong advice by XXXX of your employees that I would not have an issue with the approval of this application given I have been banking with Bank of America for over a year and other factors that were discussed. These employees were XXXX XXXX, a personal banker and the XXXX XXXX, XXXX XXXX location and XXXX XXXX, a relationship manager at the XXXX XXXX XXXX, XXXX XXXX location. My XXXX application for refinancing was declined due to not having a 'credit history '.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Southwest Credit Systems, L.P.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Reporting/collecting unverified/unvalidated debt to credit bureaus. They are not licensed to collect in my state ( Arkansas ) to do so,. See Ark. XXXX XXXX. XXXX. The statue of limitations is up in my state. AR Code XXXX XXXX. XXXX XXXX This is a violation of AR collection law and fair debt reporting practices. I have been disputing a collection account on my report from Southwest Credit Systems, L.P. ( original creditor XXXX XXXX XXXX XXXX ) since XXXX 2016. On XXXX 2016 the account was removed from my XXXX credit report because it could not be verified or validated ; and at this time XXXX was the only bureau reporting the collection account. Since, the company has changed the address and even date and re-reported the debt without my knowledge or the 5-day notice required by law to notify that it would be re-inserted. This situation is really hurting my credit reports on all XXXX bureaus and affecting my ability to purchase a reliable vehicle and take care of my family. I check with a lawyer and we have found multiple violations. The collection should not be on my report and is affecting my ability to purchase a reliable vehicle and take care of my family. Please remove this from all XXXX bureaus as it is being unfairly and wrongly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MD
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:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION I DID NOT GIVE YOU XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681B ( C ) WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIUOS BREACH OF MY PRIVACY RIGHTS.

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 2016-01-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
on XXXX i settle an account with mariner finance the account was marked closed on XXXX. I received an email from XXXX XXXX XXXX Branch Manager stating that XXXX will report this account to the courts and the credit bureau as settle in full not account paid for less full balance i have attached the documents i received from XXXX and a copy of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022 I tried accessing my USAA mobile application ( as I do every morning ), and noticed my credentials were rejected by the system, and a message populated stating that my account was locked. I called, and after being transferred to multiple people over the course of nearly two hours, I found out that USAA decided to investigate my account for potential fraud activity. Unfortunately there wasnt a single person able to explain the reason behind the review, and my biggest fear was ( and is ) that such review was the result of some kind of account/profile takeover. Nobody would give me a straight answer, and the best they could share with me is that such reviews are taking up to 5 days! Meanwhile, I can not access my accounts, neither can I request any transactions such as ACH or wire transfers. As a result of this I have lost {$1300.00} on non refundable fees from a vendor whom I was doing business with the day prior, and had put non refundable deposits down towards a personal purchase I was trying to make. I am not sure what USAA is thinking, but it would help to gain some clarity about the root cause of their review. While I respect banking processes, both execution and communication must be done/timed rightly, neither of which USAA seems to understand. The bottom line, I need access to my account ( and my funds ) immediately and Im not in a position to wait for USAA to take their own time to complete whatever it is theyre attempting to do.

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 2016-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. 
Since they have gone past the 30 day mark and can'nt verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently check my credit report and found an account in collections that has severely damaged my credit score. I dont own this account nor have any knowledge of this account. According to the FCRA I have the right to dispute and account thats not accurate or that dont belong to me. I tried to dispute this account but the only thing I got back was verified. I didnt receive any paperwork stating that this was my account or any prof that this was my account. I want this matter investigated and deleted from my credit profile.

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 2017-02-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I have a monitoring service and ca n't access my credit file. I was asked several times to send in documents verying my identity and I have done so several times. I have spoken to several depts at least 3-4 times a week for the last 3 1/2 weeks about my file and all I get is the run around. I asked to be credited for the product I am paying for and they wont grant the credit. I am frustrated by Equifax 's bad customer service and poor practices along with refusing to remove incorrect and erroneous information on my file which can has been verified in the form of an investigation demanded by me from the original creditors. If these matters are not remedied within the next 5 days I will preparing to take legal action against Equifax and the original creditors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
During Chapter XXXX, Wells Fargo reporting XXXX missing payments. Mortgage was never in arrears going into filing, XXXX payments made on time each month, mortgage was never behind. During this time period we sought a loan modification at which time Wells Fargo held payments in suspense account. They will not correct the credit reporting.

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 2022-11-03
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My purse was stolen in 2020 with my cards and social. Someone took out a loan with XXXX XXXX that is not mine and stole my identity and it went to collections. Ive tried to dispute it multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a post card from Huntington Bank, stating that if I open a checking accounting plus a payroll direct deposit over next 60 days, I would receive {$200.00} incentives. But I could not find it when I wanted to open an account. Then, I went to the local XXXX branch. The manger searched their database and could not find any records of their mailing to me. He also tried to see any unused promotion codes that he could apply it to me. He did not find any. I went back home and XXXX the promotion. I found that Huntington Bank website offered the same promotion but with {$150.00} incentives. I applied for a checking & saving account online on XXXX/XXXX/2015. Everything went smoothly. I forgot the {$150.00} until one day I received a message from the Bank, stating that if I could open a money market account, I would receive {$100.00} incentives. This reminded me about my {$150.00}. On XXXX/XXXX/2015 ( XXXX ), I called XXXX from my cell and talked to a lady. She said that there was a problem in my initial application. She would initiate an investigation to find out whether there was an online promotion during the period that I opened an account. She said that I would receive findings in mail in FIVE days and asked me to call back if I did not receive the letter. On XXXX/XXXX/2015 XXXX XXXX XXXX, I called XXXX from my home because I did not receive any mail ( even up to today XXXX/XXXX/2015 ). The gentleman that I talked to said that they were still investigating it and the information given previously was misleading. I was mad. I could smell that the bank was not sincere. On XXXX/XXXX/2015 XXXX XXXX ), I called XXXX from my office. A lady answered me. She saw the time that I called but she did not find why I was calling for. She said that the promotion code that I entered was " funny ''. It is funny if a wrong code was entered, the Bank would reject it immediately. She said that she would fill a form and expedite the investigation. To be honest, I am getting to lose the confidence in this bank. I filed a complaint XXXX on XXXX/XXXX/2015 XXXX Refer # XXXX XXXX. Today, XXXX told me that the Bank required more time to investigate the matter. It has been 30 days since I initially filed the complaint to the Bank on XXXX/XXXX/2015. It is a simple issue. What is going on with the Bank?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-12
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was not properly notified whether or not I owed a {$280.00} XXXX bill that is now in collection and is adversely affecting my credit score. 

I had XXXX 2 years ago. I took a small break from their services and then I re-established service. I have maintained my account current at all times. When I took a break from having XXXX services I was not notified that I had a remaining balance due. When I reconnected services, I was never notified that I had an outstanding balance. I was re-issued service and I have maintained my bill current the entire time. I have recently reviewed my credit report and a {$280.00} collection appeared. I disputed the account because I did not recognize it. The account ended up being verified. I called the collection agency XXXX Southwest Credit System XXXX and they gave me an account number to give XXXX. They ended up finding an account that had a past due balance that is not linked to the account I have now. 

I feel that XXXX did not properly keep records of my past and current account balances even though the service was reconnected at the exact same address with all of my exact same personal data. As far as I was concerned ( and according to my monthly bill XXXX everything was current on my account. 

If I would have been notified that I had a past due balance at the time I disconnect, during my service break, or once I reconnected my service, I would have paid it. I have lived at the same address during that service break ( before, during, and after ) and I was never notified that I owed this amount. 

I feel that this is not FAIR Credit Reporting because now I have an account in collection that I never knew about. I even attempted to call with my current account information and they always told me that my account was current. 

If I would have been issued a regular bill I would have paid it but this collection notice was the first time I found out about this account.

Company response to consumer: Closed