BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Nelnet, Inc.
State: CA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
DEPT OF ED/NELNET XXXXXXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: LA
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:
This complaint is continued to my previous complaints listed below : XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Credit Bureau XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX ( Fraud Victim Assistance Department XXXX XX/XX/2022 Open I provide a police report which I forgot to upload in my last complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: FIRST NATIONAL BANK OF OMAHA
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:
I have consistently for several years been stating to XXXX  that they are reporting a credit card account FNB OMAHA on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account, someone please help!

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 2020-05-03
Company: National Credit Systems,Inc.
State: OH
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 have previously disputed with National Credit Systems that the debt they claim is mine isn't. I have been successful in having this item removed by XXXX. I am still fighting with XXXX  and XXXX. I have contacted National Credit Systems about this debt and they refuse to listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on 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 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
I contact the credit breau transunion and I told the i was a victim of the inquiry that someone apply for credit in my name I even call the creditor who pull my credit report and they advise me to contact the credit breau the company is XXXX the inquiry date is XX/XX/2018

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 2017-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offe r for a Marriott Rewards Premier  Credit Card from Chase in  XXXX   XXXX . The offer was for a {$200.00} gift card and  XXXX  bonus points after spending {$3000.00} in the first 3 months after opening. I requested the card and met the spending amount within the specified time frame. I received the  XXXX  points as promised, but in looking back at the records, I realized I had never received the {$200.00} gift card.     I called  Chase  on  XXXX / XXXX / XXXX . A person named  XXXX  said that yes, I should have received the gift card. He said that the  Marketing Dept.  would review the offer and to watch for a letter withi n 2 weeks. I   receive a letter dated  XXXX / XXXX / XXXX  ( see attached ) that stated " Upon review we 'd like to inform you there is no offer on the account to receive the {$200.00} gift card. '' I called back to reiterate that I had the original offer in hand, and to ask for the address or fax number to send my written request. On    XXXX   XXXX  ,   I faxed a letter and a copy of the original offer that clearly states the promotional offer in at lea st 5  places on the mailing piece. I then received a letter dated    XXXX   XXXX   XXXX    that says " Update : We are n't matching the promotional bonus offer '' and " we 're sorry, but we wo n't match the promotional bonus offer you asked about. '' There is no reason provided.     This is a clear case of false advertising which benefits Chase. I 've used the card almost exclusively for my purchases, and now I am paying an {$85.00} annual fee. This complaint is to hold Chase accountable and to hold up its end of the agreement. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
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: Public record information inaccurate

Complaint:
XXXX   XXXX   XXXX  Has been reporting since   XXXX   an account for the   XXXX   XXXX   XXXX   XXXX  ver a payment that was between my insurance and the billing department of the clinic. The  Clinic was in dispute with the billing company due to over payment and improper  billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with    XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.

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 2017-04-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX  I am NOT   XXXX   customer.     I am not   XXXX   customer and I do n't remember I ever registered with   XXXX   IF I did I do n't think I will share with   XXXX   with my personal information like " STUDENT LOAN THINGS with  XXXX .       XXXX   provided my personal financial information a widely with third parties without my permission.     I contacted   XXXX   this mornin g (  XXXXX 2017 ) to dis pute all my credit history from his page. " When I Contacted  XXXX  and requested a dispute my credit report,   XXXX   asked me security question " like how much student loan do you have, and who is the loan provider?     The  XXXX  NOT my student loan lender, this not   XXXX    business, an d again I do n't remember I did share my student loan information with   XXXX  , again I dont want to share my student loan information with  XXXX  so I refused to answer  XXXX  's security QUESTION which related to with my personal financial informations. And   XXXX    sa id " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request   XXXX   to dispute my credit history from the   XXXX   website.     EXPERIAN  I a m EXPERIAN customer.     I am request EXPERIAN to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.     EXPERIAN provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request EXPERIAN to contact me first before provide my credit history to THIRD parties

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 2022-11-05
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: Their investigation did not fix an error on your report

Complaint:
I have fraudulent inquiries on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries on my credit report that I do not recognize. I called and was told I would have to file a police report. 

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 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 2018-03-12
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of the west locked my account without prior notice. Hope that they can unlock my account.

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 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2018, I was looking to open a business credit card account. I went to the XXXX website and applied for a XXXX XXXX XXXX Credit Card. I entered the business information and Tax ID number and I was also asked to enter my social security number. Below where I was to enter my social security number appears a note that it will only be used to identify me and it will not be a hard inquiry on my credit report. After I finished my application, I was immediately approved since I have an excellent credit score. However, I also got an alert from credit monitoring service that I had a hard inquiry from XXXX on my personal credit report. I called XXXX and they said it is a normal process to get a credit report from my business credit as well as my personal credit. I told the representative about the note on the website and he said he would report it to someone at XXXX and they would try to change that. I was so upset I closed my business credit card account with XXXX on that phone call. Now there is no way to remove that hard inquiry from my credit report and I am asking that XXXX enter some note or something in my report indicating that this was in error and the inquiry was for business credit, not personal credit since this lowers my score a few points. Also, I am going to refinance a mortgage on my condominium and it will look like I have some other hidden credit account that they may want information on and that would delay any refinancing I am applying for. 

I appreciate your attention to this matter. Thank you.

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 2019-12-13
Company: Receivables Performance Management, LLC
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:
Receivables Performance are claiming I owe {$650.00}. They haven't sent me any information to verify this presumed debt even after requested this information Mid XXXX of 2019. If they can not provide proof I owe this debt I demand this be removed ASAP.

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 2021-12-10
Company: EQUIFAX, INC.
State: FL
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:
account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Sequium Asset Solution Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent money though money gram on  XX/XX/2017    and they wo n't release it and I have been trying to get a refund back and they transfer me to another department and they put me on hold and that has been happening every day and night and no one picks up and I am very tired of the way they are doing me just to get my money back from Money gram and the reference number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Discover stated they issue a XXXX form in XXXX tax year. Never received document. Also, I want a letter stating the XXXX was issue. I can't be sue for the debt on the time barring account and also its uncollectible. Lastly I notice their a soft inquires every month. Why is this? 


I called the number provided. 


Discover stated before : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Re : Discover card account ending in XXXX Consumer Financial Protection Bureau Case No. : XXXX, XXXX Dear XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ) . To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. We appreciate you bringing your concerns to our attention. We are unable to confirm the events as you have described them in your correspondence to the CFPB. According to our records, your account charged off with a balance of {$5200.00} on XX/XX/XXXX due to non-payment. We do not have any record of you contacting us since the account charged off to request settlement options. Our attempts to collect the unpaid balance were unsuccessful. We are required by the Internal Revenue Service to issue a XXXX tax document on any balance greater than {$600.00} that we have determined to be uncollectible ; therefore, a tax document was issued to you for the XXXX tax year. We can not provide you with tax advice. If you have any questions, Discover encourages you to consult a tax adviser of your choosing. While we are no longer actively collecting on the debt, if you wish to discuss options to settle your account, please contact our Customer Assistance and Recovery department at ( XXXX ) XXXX. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX a.m. to XXXX p.m., XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXXXXXX  XXXX XXXX not mine

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 2022-10-07
Company: EQUIFAX, INC.
State: TX
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 am a natural person, a living person, I have rights under 15 USC 1681 Equifax is govern by 15 USC, 1681, And they have violated my rights numerous of times. I demands these accounts below to to be moved because Accordance to 15 USC 1681 ; I did give equifax written permission to furnish this account XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, XXXX XXXX has sold the debt to Ad Astra Recovery Services XXXX Both are reporting a balance to all XXXX credit bureaus. This is violating my rights please delete these immediately.

Company response to consumer: Closed with explanation