BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
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:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to 15 usc 1681a ( 3 ) ( 1 ) states ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information should not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer of from the consumer. 

They have also violated my rights numerous of times. 

The credit reporting agencies violated my rights under 15 usc 1681. 

According to 15 usc 1681a ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

According to 15 usc 1681b ( a ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I never gave any credit reports agency written instructions to furnish items on.

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 2017-09-10
Company: Experian Information Solutions Inc.
State: WA
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:
My information was stolen from XXXX due to their poor network security. They are unable to show in a meaningful way, and indeed do not seem to know per reports thait their website generates random responses when SSNs are entered to check if data was compromised, who was affected. Instead, they are attempting to offer " free '' credit monitoring services that I do not need and are likely just an attempt to bait-and-switch consumers into continuing onto a paid monitoring plan at the end of the one-year period. Their sloppiness in allowing my data to be stolen, which is fundamentally the result of lack of government oversight, has made me spend time placing alerts on my file, and now I will have to continuously monitor my credit reports.

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 2017-09-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
every investigation equifax does takes over 30 days. had this issue for ten years now. ongoing everytime I submit a dispute now..90 days plus ... no notice and no explicit reason given for the unverifiable dispute to take so XXXX long. If things can not be responded to in 30 days then they need to be purged- no bureau is willing to purge wo a lawyer breathing down thier neck. 

XXXX, XXXX XXXX, XXXX, XXXX CAN NOT BE CONFIRMED. they ttok 90 days to reply to me after begging, XXXX XXXX over 9 mos. XXXX also needs to go away. no reply over 6 mos from me alone. XXXX XXXX accounts are still showing after they " removed them '' as fraud and claimed I owed nothing. I am still 6 mos later waiting for a refund from XXXX XXXX. They refuse to comply and seem to run a " home office '' to harass people about debts not owed. I want my {$550.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fortiva is holding me accountable, for an account that was paid off in XX/XX/XXXX, and for the lost card reported in XX/XX/XXXX. Fraud was reported in XX/XX/XXXX, and charges were disputed. Fortiva is holding me accountable for late payments on a card, for XXXX, XXXX, and XXXX XXXX for a card reported lost in XX/XX/XXXX and not in my possession. This is being reported to XXXX XXXX, XXXX, and XXXX by Fortiva. 

I have requested, Fortiva in writing 6x ( six times ) to correct and remove the late payment reporting on the lost card. As of this month, XX/XX/XXXX. Nothing has been communicated nor resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received an email saying Im past due on my capital one account. I have told Capital one before that i am not able to access my account due to phone number issues and verification. I never received a bill for any amount due. I only received a late notice and then my credit has been reported negatively due to their issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 just did a complain last month, I contacted them to stop missing up my credit, they fixed it, after I contacted you, they always scrowe up my credit. This month the same I am getting tired of TransUnion keep missing up my credit I have always pay in full, I am in good standing with my bank XXXX  XXXX, but TransUnion always keep missing me up, they keep trying to sign me up for their services. Please help me to stop them from this happening every month missing up 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was informed that a Bankruptcy public record information was placed on my credit file. so I contacted the courts via US mail to verify that they had updated my credit report with this information the clerks response was that the courts DO NOT verify individuals case information and that third party companies also know as furnishers research consumers information and sells it to credit reporting data companies such as XXXX whom then supplies it to TransUnion, XXXX, XXXX. Also I contacted PACER ( Public Access to Court Electronic Records. The credit Bureaus investigated and stated that the courts verified information. This is not true and it needs to be removed from my credit file I never gave anyone written permission to place any of this information on my credit and according to the FAIR CREDIT ACT statutes and regulations it must be removed immediately from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: CA
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:
OnXX/XX/XXXX, Equifax was breached and leaked sensitive personal information. 

The breach lasted from mid-XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

Using the website setup by Equifax : https : //www.equifaxsecurity2017.comXXXX They have confirmed my personal information may have been impacted by this incident. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

Finally, they are making money from this situation by charging for credit freezes to be placed on the accounts of those affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citibank checking and savings account, they offered a {$500.00} promotion to open the account and complete activities. On XX/XX/XXXX, Citibank confirmed via chat that I met the requirements and that it would automatically post on XX/XX/XXXX. 

I chatted with Citi on XX/XX/XXXX and they were not helpful, would not provide an email address for me to submit the chat transcript. They said promo code was not applied on my account and that I had to call in to a promotions team. This completely contradicts what they told me on XX/XX/XXXX. 

Later on XX/XX/XXXX, I contacted Citi on XXXX. They said I do not need to call a promotions team. They stated that bonuses that met the 90 days in XXXX would automatically post during the first ten days of XXXX. The bonus still has not posted. I contacted Citi on XXXX  XX/XX/XXXX, they stated I had to call the promotions team. Once again, they would not resolve the request via written communication.

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 monetary relief
Consumer complaint received 2022-01-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Husband passed on XX/XX/XXXX Husband had a XXXX  checking account with a line of credit XXXX dollars. 
Before he passed maybe a year before. 
When he passed months later I received a bill from Citibank stating I owed for the line of credit. Fees added up and it came out to XXXX. 
XX/XX/XXXX. XXXX I went in to the branch and paid it off in person hoping to get fees waived but no one helped me with that. They said I had to call another number for that which I did no help at all. 
They said since I already paid it they could not wave any fees. 
My complaint is my husband was the Maine account holder but I paid it anyway. Also since I paid it its still showing in my credit report the full balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is reporting a charged off account with a balance of {$460.00} on my credit report that was charged off and written off as a loss to the IRS and they are still trying to collect on this debt which is outright illegal.

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 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One is reporting a charged off account with a balance of {$460.00} on my credit report that was charged off and written off as a loss to the IRS and they are still trying to collect on this debt which is outright illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: WELLS FARGO & COMPANY
State: NC
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:
My name is XXXX XXXX and I am a American citizen having resided there since XXXX. In XX/XX/XXXX while visiting family in the US my purse was stolen from XXXX XXXX Airport along with all my personal information & subsequently my identity was stolen and accounts were set up in my name, including a Wells Fargo Dealership account. I reported the theft to all relevant authorities including the US Embassy in XXXX XXXX & all three credit agencies. In XXXX I applied to cosign for a house for my mother & found out my identity was stolen and all information, identification and other personal information was used to set up accounts & obtain goods in my name, I reported & provided all relevant documentation to all parties/retail outlets including Wells Fargo Dealership & the fraudulent account remains on my credit file. I contacted them, sent proof of my XXXX addresses for the past 11 years, along with utility bills, copies of my passport and other proofs to the Wells Fargo President 's office as requested and for close to 2 years I still have no resolve. Subsequently I had to hire a attorney as I could no longer deal with the matter and again they to contacted Wells Fargo Presidents office only to be stonewalled with unreasonable request ; i.e. between XXXX and XXXX I was asked to provided a letter of authorization & do so on 2 separate occasions and then was asked to provide a 3rd which Wells Fargo Dealership insisted had to be notarized by a United States notary not a XXXX notary which would have meant me traveling to the US to do. In mid XXXX Wells Fargo stopped communicating with my attorney and the process has stopped completely. I traveled to the US in XXXX of this year especially to resolve this issue and phoned the number on my XXXX  credit report for Wells Fargo & was told Wells Fargo Presidents office was not the correct department to report or deal with my matter and was told I had to re-submit all the documentation I sent them in XXXX, my attorney sent in XXXX again. Wells Fargo now claims there was a trade in & the car was purchased and registered in my name all during the time I was in the XXXX. I have provided all the documentation, hired a attorney, proven my whereabouts & proof of address since XXXX, put a fraud alert on all three of my credit files along with a freeze & lock. I believe Wells Fargo Dealership has stalled and refused to take my claim seriously, subsequently refusing to remove the fraudulent account off my credit file which is causing me a tremendous amount of stress and agony, not to mention I can not buy a house or obtain a loan. 
Kind regards, 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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have hard inquiries on my account and I will like for them to be remove and I also have paid my credit bill on time I try to apply for credit in store lice XXXX XXXX and something keeps not letting it go though.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Nelnet, Inc.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2021 I contacted Great Lakes Borrower services to get information on compassionate reconsideration for late payments on a previously defaulted XXXX XXXX # XXXX. I was instructed to mail in supporting documentation and did so. I sent corroborating documentation showing not only was I on XXXX XXXX XXXX from work during the timeframe of the delinquency but I was also XXXX and without a working phone. This was shown in email correspondence with case workers from XXXX XXXX XXXX XXXX that they received a message that my phone was out of service when they tried reaching me. Great Lakes Borrower services agents told me that notification was mailed to my address that my loans were in danger of being transferred to collections but od be evicted from my apartment and therefore could not have received that notification. During the time I was XXXX I did contact Great Lakes Borrower services to try and apply for payment relief but was told there were forms that needed to be submitted to prove my financial circumstances had changed but without a permanent address because of XXXX or working phone or valid identification this was impossible given that correspondence would need to be submitted either by fax or scanner or email none of which I could afford since these services are not available free of charge in the city where I live. After submitting these documents I was told that even though the documentation proves my financial circumstances would have qualified me for relief since they were not submitted prior to the loan default then no consideration would be given. I asked why that might be an was told that rule was at the discretion of the Department of Education. On XX/XX/2021 I contacted the Default Resolution Group on behalf of the US DEPARTMENT OF EDUCATION and was informed by a supervisor that no such policy exists and that sole discretion of compassionate reconsideration of late payments was completely up to the loan servicer. Im asking that my case for reconsideration be given based on the merits of the information I submitted and not a nonexistent policy supposedly put in place by the department of education. Ive attached all the documentation sent to Great Lakes Borrower services.

Company response to consumer: Closed with explanation