BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023, I tried to make a payment for my federal student loan. When I logged into my account, something was wrong and I was unable to make a payment. The account said I didn't owe anything but there was a conflicting message saying " payments for borrowers whose Nelnet accounts start with " XXXX '' will be due in XXXX. '' My Nelnet account starts with " XXXX '' meaning that I needed to start making payments. But I could not make a payment because there was nothing to be paid. I called Nelnet to figure this out on XX/XX/XXXX around XXXX. The wait time was supposed to be XXXX minutes. I remained on hold for XXXX hours before I had to hang up because I had work. I ended up sending them a message through their website because that was the only other way to contact them. 20 days go by and they have not replied to my message. On XX/XX/2023 at XXXX, I called them again and remained on hold for another XXXX hours despite the wait time being a few minutes this time. Finally someone picked up the phone and I was very happy. But then the individual proceeded to pretend they could not hear me. They kept saying " Hello? Hello? '' before hanging up the phone. Nothing was wrong with my phone and I confirmed this by calling a relative immediately after and they were able to hear me perfectly clear. I have been unable to get in contact with Nelnet despite my many efforts and I am at a complete loss right now. I don't know what to do and my loan payments are supposed to start this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I previously had XXXX XXXX XXXX, and the last two years I was in three car accidents, which all three were ruled not my fault, and the other parties were issued citations. While Im shopping around for new insurance, each insurance company is coming back showing that all three of these auto accidents are being reported as my fault and its causing my insurance to quadruple, I spoke to XXXX and they sent me letters saying that the accident were werent my fault but Lexus Nexus and the clue report that all auto insurance companies pull their information from is showing the incorrect information I have tried to resolve this with both XXXX and Lexus Nexus, and Im Being ran around in circles and nothing is being resolved. Ive sent identification documents to Lexus Nexus four times now and I am given some generic response that they cant pull my identity. I need this resolved immediately because it is preventing me from getting decent auto insurance and the inaccurate reporting is having a massive negative and financial impact on my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
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:
I do not recognize the inquiries on my credit report listed in the id theft report XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XXXX CITIZENS, XXXX XXXX XXXXXXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I, as a resident of Texas, was approached by an individual who claimed to represent The XXXX XXXX, a reputable company within the architectural industry. The imposter, posing as a hiring manager, enticed me with an offer for a remote position as an XXXX XXXX as a XXXX XXXX. Their initial contact appeared legitimate, complete with professionally designed emails bearing The XXXX XXXX 's branding and a convincing tone. 

As the correspondence progressed, the scammer presented me with a series of official-looking documents, including an employment agreement and onboarding forms. These documents were designed to give an impression of authenticity and professionalism. I, trusting in the genuineness of the opportunity, complied with their requests and followed the provided instructions. 

One pivotal moment in the scam unfolded when the imposter insisted on an equipment payment to be made prior to commencing work. They send me a deposit check of {$8900.00} provided me with what they claimed to be The XXXX XXXX 's official bank account details, leading me to believe that this was a legitimate requirement. Regrettably, I transferred a sum {$4900.00} of money into the provided account, unknowingly falling victim to this elaborate ruse. 

Upon completion of the transfer, the deposit from my accout was reversed leaving me at low funds in my bank, and made my account at- {$5000.00} because of the transfer i made with their supposed to be vendor partner. All communication from the scammer abruptly ceased, leaving me in a state of shock and financial distress. I quickly realized that I had become a victim of a well-orchestrated scam, where the perpetrators deliberately misused The XXXX XXXX XXXX name to deceive unsuspecting individuals like myself. 

Since discovering the scam, I have taken immediate action by reporting the incident to my bank. I have provided them with all available evidence, including the imposter 's bank account information, and any other pertinent details. However, despite these efforts, the progress towards recovering the funds has been minimal, my account was closed and I am to pay the - {$5000.00} on my account from the money scammed from me I kindly request your assistance in investigating this matter further and bringing the perpetrators to justice. The unauthorized use of The XXXX XXXX 's name not only undermines the trust and reputation of a reputable organization but also causes significant financial and emotional harm to innocent individuals like myself. 

Im willing to provide copies of the fraudulent email communications, bank transfer receipts, and any other supporting documentation I possess. I sincerely hope that this information will aid in your investigation and help ensure that justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: National Credit Adjusters, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a negative collection on my credit report for {$1000.00} this is from a credit card dad was charged off years ago I contacted this company we reached agreement on an amount they never mailed me anything when you call them they don't answer their phone or return messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Absolute Resolutions Corp.
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: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX Disputes have been filed regarding absolute resolutions inaccurate information on my credit report they responded that it was verified even though it is incorrect they have failed to do a thorough investigation on my behalf and continue to violate my consumer rights causing distress and financial consequences. I have court records and bank statements showing this company was paid monthly from XX/XX/2019 and processed the payments even though they are reporting the total amount and payments incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: LA
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 am submitting another CFPB Complaint in response to the Credit Bureaus ' recent evaluation. I am committed to resolving these matters, which necessitate a focused approach to my personal credit report. I am frustrated and concerned about errors that continue to be reported on my credit profile. These inaccuracies lack clarity regarding their accuracy and completeness. At this juncture, I am solely focused on rectifying the issues with my personal credit report. I am disputing the remaining information that needs correction. XXXX XXXX XXXX : {$0.00} - I have been disputing the payment status of this account for months now, and yet you have not corrected this erroneous information. The payment status you report differs from the payment history presented. I am certain that I have never missed a single payment, and yet you report this account as being late. I have previously asked you to provide proof of the information you report, but you have not done so. I urgently need you to correct the payment status of this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo charged me multiple overdraft instead of 1 overdraft. 

Example : when auto payment for my car note of {$500.00} went through and caused my bank acct to be negative, instead of charge {$35.00} overdraft fee for that car note transaction, Wells Fargo charged me {$35.00} for each for other items that when I made the purchases my account wasnt negative.

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 2023-08-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$360.00} ; DEPTEDXXXX  XXXX Balance Owed : {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: PA
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'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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX , HI XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports. Ftc attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
portfolio recovery has been asked to provide a signed document of release of judgement for over a year since the debt has been paid. They provided an unsigned copy but have not released the judgement which is causing financial hardship as I am XXXX and unable to obtain a clear title to sell my home. Several calls and requests have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: BMW Financial Services NA, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 BMW Financial Services sent me a letter offering to settle a XXXX debt for XXXX. To better understand my options I decided to reach out to BMW and ask what will happen to this debt if I do not settle. I asked if this debt will be sold to a 3rd party, or will anyone report this debt to the credit bureaus in the future. This debt has been reporting on my credit history for almost 7 years and I would like to know when it will stop showing. BMW will not provide me with the information mentioned here. Please provide me with information regarding these issues. I am currently receiving SSDI since I am no longer able to work and every finding it hard to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have opened dispute with Chase regarding being scammed on XXXX. They did not ask me any proof although I repeatedly offered to provide it. They called me once at XXXX XXXX  knowing I'm on XXXX XXXX and did not leave any information I called back and the rep was unprofessional and had no idea what I received call about because " the other rep did not leave notes in the file '' and then few days later my claims were denied. I had no chance to provide proofs of being scammed over {$400.00} and chase provided zero service to recover and did not even try. This is absolutely absurd. Unfortunately this isn't even a first time. Not one claim I ever opened with them was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: ALLY FINANCIAL INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have inquires on my credit fie on accounts I didn't try to open, I have requested proof and nothing has been sent to me, and these accounts are still showing as a inquiry on my credit file.

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 2023-10-23
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
These are unauthorized charges that started in the month of XXXX. 
I was charged {$590.00} over 3 times first one started on XXXX XXXX XXXX. This has been ongoing for almost a year I have file a police report and I need this matter resolved. Per Goldman Sachs Apple card policy is that the consumer is not responsible for unauthorized charges but yet I am being held responsible for these unauthorized charges that was open on the internet from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had to close my card several time per Goldman Sachs agents they kept placing the blame on other agents for not filing the complaint properly instead of solving the problem this has continue from XXXXXXXX and still on going I have pay this account completely off over times the problem still not solved. 

Goldman Sachs Apple Card Acct # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: CL Holdings LLC
State: CT
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 am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Over one month ago, I filed two disoutes regarding many things on their report which my auto insurance co. pays them for. I asked them to correct them and send the corrected report to my insurance co. To date, they have not responded. So I must presume that they have not corrected anything or aent an imoroved report, as per my request.

Meanshile, I am paying far too much for automobile insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I went to view my credit reports via XXXX and could not because Trans Union is blocking the account. I received no information from Trans Union for the reason.

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