BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 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 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 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 non-monetary relief
Consumer complaint received 2023-08-17
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student load was recently transferred from Great Lakes to NelNet. 
The entire transition process has been a nightmare. But it has now just gotten absolutely worse. 
I have submitted several requests for assistance through their online form ( while logged into my account ). I have not received any responses ... until today. 
Today ( XX/XX/23 ) I received an email from someone named XXXX ( I am leaving out her last name to protect her confidentiallit ) - who, is another CU/STOMER of NelNet. / XXXX XX/XX/23 - Nelnet responded to one of MY requests, but sent the response to XXXX!!! The email string included ALL of my personal information, INCLUDING my Date of Birth and SOCIAL SECURITY NUMBER!! 
This is a clear violation of the Federal Debt Collection Practices Act ( FDCPA ), Florida Consumer Collection Practices Act ( FCCPA ), and countless other state and federal laws and regulations. 
I am completely at a loss here! I don't even know what to do now! I submitted XXXX different requests for assistance through their online form..this is the ONLY response to any of them. So did the other XXXX ALSO go to some other person? Do XXXX other people now also have my DOB AND SS!! I now have to LOCK all of my credit reports and monitor for Identity Theft! This was not some XXXX XXXX XXXX issue... this was clearly done by the company employees who have absolutely NO idea what they are doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year I was asked by my doctor to visit a XXXX by name XXXX XXXX. I presented my insurance card. They said the payment would be XXXX dollars every session. I agreed. After XXXX sessions I had scheduled next week sessions. When I reach there next week they said they have canceled all the scheduled appointments as they dont take HMO anymore, they didnt know mine was a HMO. I had presented them my physical insurance card.If they had told me per session it is XXXX dollars I would never take the treatment, I was working as a XXXX, I cant afford that money, from last XXXX months I am jobless due to injury.They didnt treat me, they didnt inform me before canceling the appointments, I was not treated as a patient. Now they are torturing me to pay the money.Person there says XXXX per session but the total bill is XXXX dollars. Collection company says XXXXI have not received any papers, when I look at my credit report there it says XXXX months late already and charged interest as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I, XXXX XXXX, am requesting that XXXX and Transunion follow suit and remove the account XXXX XXXX XXXX XXXX. XXXX has since removed the account due to inaccurate reporting. This account was last reported in XXXX, yet you are reporting XXXX. Please provide relevant documentation for your claim. Your inaccuracy is causing stress and many lost opportunities. The account is over 7 years old and should have been deleted in XXXX. The company has also failed to send a form 1099c for the alleged charged off account. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report without a 1099c present. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. If you did not receive this from the company remove this account immediately.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have recently checked my credit report with XXXX credit report and was shocked because I discovered that Capital One Bank was opened under my name without my knowledge. I did not recognize this account. I am a victim of identity theft. My credit report 's true and accurate creditworthiness has been damaged by Capital One Bank wrong reporting. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Grain Technology, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2022, I changed bank accounts due to being a victim of identity theft. I did not receive a link to update my payment method until after the due date with Grain. 

The online portal doesnt allow changes to bank accounts and only able to update payment accounts through customer service. 

This resulted in my payment being late with Grain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Consider this as a follow-up complaint to my previous complaint

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 2023-11-09
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Last Saturday XX/XX/2023 my daughter got her check from working at a XXXX XXXX  during the month of XXXX called the XXXX XXXX XXXX. Her check in the amount of XXXX became available and we used our cards believing everything was ok later in the day when there was XXXX dollars left in the account it was brought to my attention the account has been blocked when I inquired about that they said the check was flagged the person I spoke to in the fraud department had called the issuers bank after I told them that the bank would not speak to me. Also her boss had called and spoke to them verifying the company which he owns and the check was also verified by his bank as well. Today when I spoke to them I was informed that the back office team made a decision to no longer do business with us and closed the account out. No other explanation was given other than they claim they can't verify anything although all calls are recorded so there is recordings that everything was verified so therefore there seems to be something wrong something that's gone XXXX somewhere when asked to speak to a higher up my request is been denied and manager hang up on me. Please I need to know what to do about this manner there is no local branch near me. The representative even stated they would not speak to me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company has gotten a response from the data furnisher that is not valid. They are using this response to keep fraudulant and innacurate accounts on my credit report. they have also ignored arbitration letters. These accounts were disputed every 40 days for over the past year, FTC and police reports have been mailed to this company. The fraudulant and innacurate account ( s ) were removed from each bureau except this comany. They refuse to provide explanation as they say they do not disclose this information. this is a violation of the FCRA as i have the legal right to know every detail about my personal information. I am asking these accounts be removed once again and one final time or I will seek compensation for each violation done by your company for failing to remove these accounts listed below. 

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 non-monetary relief
Consumer complaint received 2023-09-13
Company: Lima One Capital, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Lima refused to provide me with a mortgage because it saw an XXXX XXXX on XXXX. My personal background is absolutely clear and I work in the financial industry. They discriminated against me because they said people like me should not get more loans and they can deny any one a loan based on their choices and if I want to sue I can do so. They dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are items being reported on my consumer reports that should not be there. Please see the attached documents.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance:XXXX XXXX XXXX XXXX Date Opened XX/XX/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 2023-08-17
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage account that I see listed on my credit report, are the ones that I have had since working with these people who have scammed me and still are in this process. I am tired of explaining and not getting anywhere. How will you let them get out of this I have sent documents, and I am not paying them anything don't know where who payments go to.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Subject : Dispute of Fraudulent Inquiry on Credit Report I am writing to bring to your attention a fraudulent inquiry that has appeared on my credit report. I have no affiliation or knowledge of this company, nor have I authorized any credit application or inquiry with them. Below listed are the fraudulent inquiries : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this inquiry is a result of identity theft or fraudulent activity. As such, I kindly request your assistance in investigating and removing this unauthorized inquiry from my credit report. 
Please update my credit report accordingly and provide me with a revised copy once the fraudulent inquiry has been removed. Additionally, I request that you provide me with a written confirmation of the removal of the fraudulent inquiry from my credit report for my records. 
I would like to express my gratitude in advance for your assistance in resolving this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter.

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 2023-09-13
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am shocked and outraged that I was advised that despite doing nothing wrong, the banks will not reimburse my Key Bank account for a check that was washed and cashed by XXXX XXXX. It has been over 18 months that I have been dealing with this issue. 

I am in great need of help from the CFPB. 

Back in XXXX, XXXX, I did everything that was required. Upon discovering the fraud, I immediately reported the fraud to the bank. I immediately went to the bank and filed the needed paper work. I immediately went to the police station and filed a report. There was nothing more that I could do. 

The banks make the error in cashing a fraudulent check. 

My initial complaint, XXXX contains the details. 

Shockingly, after several extension to respond to this complain by XXXX XXXX, I received a call saying that their records did not even show a demand from Key Bank. I do not believe this was true, based on may calls to Key Bank, and advised the representative that this was incorrect. I knew that once the call ended there was nothing that could be done. 

Then, moments later, I received their email, basically saying that they were not going to refund the funds that were lost due to bank errors, not any error on my part. No mention of the lack of a demand from Key Bank as I had just been advised in the call from XXXX XXXX. 

From speaking with others, I know banks will cover these lost funds. I do not know why the lenders are discriminating against me and not reimbursing my account. 

I also wish to note that when I called the Key Bank fraud line, after speaking to the representative, I requested to have a supervisor call me back. I called again and noted that I had requested to speak to a supervisor the last time I called. I was rudely told that I could not speak to a supervisor and that a supervisor would only call me if they deemed it appropriate. I offered to hold on the line as long as needed to speak to a supervisor and was told that she would not allow that and would hang up. 

I would greatly appreciate your help in having Key Bank and XXXX XXXX take the steps required to refund the funds to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am experiencing financial hardship and I asked the company to waive excessive interest charges and the company is not cooperating. 

Capital One has charged me on excess of 28 % interest and has been compounding finance charges and late fees month to O have accumulated in excess of {$600.00} in interest fees and late fees in the last month I am requesting these fees be reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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