BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-31
Company: Nelnet, Inc.
State: MI
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:
To Whom It May Concern, NELNET/US DEPT OF ED/XXXX  # XXXX Opened On XX/XX/2010 Account Status : XXXX XXXX Loan Showing Past Due : XXXX This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior request for validation of debt ( proof, attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. 

This letter will again request that you follow FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware. Estoppel by Silence legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: ALLY FINANCIAL INC.
State: NC
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 XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.

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 2022-07-31
Company: Experian Information Solutions 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:
XXXX. XXXX  of XXXX ( XXXX ) has reported a late payment as I was late making a payment during the Pandemic which I explained I was not able to pay as, I was in XXXX and was not able to pay the card as I did not have internet access. I paid the card a couple of days late, calculated the interest for the additional days and paid the outstanding balance plus the interest. The balance was about {$170.00} and I explained that the {$30.00} later fee was onerous for the balance mentioned above so I would not be able to pay the interest. The young lady evidently was not able to have the late fees waived and I was not notified by XXXX of the late charge. The account was closed but XXXX continue to report the {$30.00} late fee on my statement. I am a XXXX living on very limited resources and on a principle, I do not have the funds to pay for a few days late on the small balance mentioned above. This seems to be extremely vindictive by XXXX  because I closed the account 2. I have the similar issue with XXXX Bank ( XXXX ) XXXX credit card. I called into the Credit Card Center to get the payoff balance. Based on the balance given, I drew a check made payable to XXXX Credit Card to cover the outstanding balance. The person who calculated the outstanding balance, did not take into the calculation, interest to date since the last statement date. Subsequently, after making the final pay-off figure given by XXXX XXXX XXXX XXXX the interest accrued prior to the pay-off date was not included in the pay-off figure. Even though the card was closed XX/XX/2016, XXXX Credit Card continued to maintain the outstanding amount plus interest, until the account balance was {$100.00} approximately when it was written off. This company has not removed this from my credit record.

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 2018-05-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
XXXX XXXX- is VERY AGRESSIVELY, and TOO AGRESSIVELY attempting to collect on the debt that is not mine in first place. I contacted XXXX in XXXX as soon as I saw this collection on my credit report. XXXX could NOT find any negative accounts in my name.. I still have my phone active and in current status with them ... In XXXX I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house ... this is outrageous and should not be allowed. please help me stop these XXXX!!! I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!!

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 2017-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
First ; On Sunday night,  XXXX   XXXX  at  XXXX   XXXX  as I was going to bed, I checked my bank account balance via text messaging it showed a positive balance of {$74.00}. On Monday  XXXX   XXXX  at  XXXX    XXXX  , I received an online banking ealert ( email ) telling me that my personal checking account balance is below a chosen alert limit = $ -  XXXX .     At  XXXX   XXXX , I noticed my bank account was now showing an overdraft of - {$50.00}. I quickly transferred {$100.00} into my checking account This cerated a positive balance in my account of + {$49.00}.     Then later that same day I made several more small deposits ( {$2.00}. and {$10.00} ) followed by one withdrawal of {$60.00}. This left a positive balance of {$1.0 0}, ( a gain this was on Monday afternoon  XXXX  ) I continued to monitor the account until approx.  XXXX    XXXX    that night and the balance remained at {$1.00}.     Then on  XXXX   XXXX , at  XXXX   XXXX  I received an email eleart notifying me that I was charged with  2 ( two ) overdraft fee charges of {$35.00} each ( {$70.00} ). The total amount of all the overdrafts was showing - {$100.00}, so I immediately deposited an aditional {$40.00} to clear any overdraft fees. ( - {$100.00} + {$40.00} = - {$68.00} ). So, if the fees ( {$70.00} ) were reversed I would have a positive balance of {$1.00}. I immediately called and asked for the fees to be reversed but was flat out denied. I told them I was unaware of any negative balances and when I was aware / notified I promptly covered the negative balances. ( less than 24 hours ).        Fraud was recently found on my debit card account and the card was temporary canceled. This may have caused some confusion on my part and inconvenience. As so, I was monitoring things closely.
I have been with BofA for 17 years. Due to these fees I am trying close my account but they say they can not close it with a negitive balance. Note : (   only their fees make it 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 2022-09-27
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Earlier this year ( around XXXX ), I found out through my checking Account, the credit card company unauthorizedly charged my account multiple times for a transaction I did not make. I made an effort to resolve the issue with them but Initially rejected my effort, until I involved my bank, where my Bank help me reverse all the money charged into my checking account. Then they called to explain to me the transaction made in my name in New York, I Immediately rejected the transaction, because I was living in North Carolina, not in New York, plus I had never been to New York for the past Ten Years. They agreed to Investigate the transaction and I was told that my store card would be temporarily placed on Hold. A few weeks later, they get back to me and agreed that it was a fraud detected on my account. they explained to me that they will mail me a new card, and they had already made corrections to my account, and according to them, I do not owe any money. 
However, a few months later, I started receiving mail from the credit card company regarding the same problem again, this time I was unable to talk to a single person, whenever I call them they always transfer me from one department to another, sometimes, I was told this CITI bank credit not XXXX XXXX, I will be given a different number to call all to no avail. please I need to resolve this problem because with each month passing by I was charging ridiculous late fees, and they never stop. I called them yesterday morning I was just been pushing around different departments and at some points they kept me waiting for over two hours, and then cut off the phone.

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 2021-10-02
Company: Experian Information Solutions 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:
On XX/XX/XXXX, XXXX I sent a " Request for Investigation '' form to XXXX to have 2 companies removed from my report. The first was XXXX XXXX whom was the subject of a lawsuit in which the were found at fault. 
The second was a collection company who had bought a debt from a company I had never had any dealing or knowledge of. 
XXXX did not do any investigation into either account and just sent me a reply on XX/XX/2021 that both accounts were verified and updated. So both accounts are still on my 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 2022-07-31
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been sued by Synchrony Bank for {$8000.00} dollars XXXXt County Magistrate Court Case Number XXXX for credit card debt. I dont dispute that I owned this credit card, but I dispute the amount claimed by them. I did not have a chance to verify this debt as per FDCPA. I did not get a demand letter, no help Pandemic when my husband lost job and went through the toughest economic crisis of our life. 
I filed a complaint against XXXX XXXX XXXX because at some point on of the attorney indicted, they represent XXXX XXXX, I am very confused I dont know what do 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 2022-09-27
Company: BARCLAYS BANK DELAWARE
State: WA
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 XXXX XXXX, and I need your help to get in touch with this company. I tried to contact them to find out why someone had created an account in my name. I regret that my credit report is now being affected by this very serious matter. I refuse to allow anybody to use my name, date of birth, or any other information since it also violates the privacy of personal data. They must find out who opened the account in my name and just give that person my information. Kindly help me with 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 explanation
Consumer complaint received 2022-07-31
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid 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:
Im disputing a charge on my discover card for {$1100.00} from elite solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX because the company failed to follow California laws numerous times including misrepresentation of the product quality or services provided i attempted to resolve the issue filing a dispute with my discover card for receiving a worse product than promised. it literally rotted on my head they used illegal dangerous chemicals to put it on my head without informing me of the dangers or providing law required materials. i signed up for the product XX/XX/2022 and my card was billed that day but, i received the less than quality product XX/XX/2022 a month later.i then contacted the merchant numerous times to fix the product and was still unsatisfied they refused to refund me any time. finally XX/XX/2022 i contacted discover for a refund and dispute after numerous failed attempts by the merchant to resolve the problem or refund me i even paid more money to get it resolved and fixed and still not good and they ( elite solutions ) stopped responding and refused to refund me which i explained to discover. i paid over {$3000.00} and in the end i have returned the product to elite solutions and have not received any money back so far. XXXX dollars back and also i dont have the product because i returned it. ive ended up with nothing. i am disputing the {$1100.00} because i never received what was promised once. the pictures below show the day i received the service the XXXX coming up and other days i attempted to get it resolved the product rotting on my head stinking terribly. the owners promised to make sure i was satisfied every appointment i saw them two times of the 5 appointments i tried to get it fixed. i disputed money that i over paid and had not yet been earned by California law i am entitle to a refund based on the Beverly song act and cal civil code because in a timely manner i made an attempt to get a refund and exhausted every possible avenue in doing so absent a lawsuit which is next

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: NV
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:
I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from the Affidavit attached ) ******

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 2019-10-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, 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:
XXXX  to raise my credit score. 
I now have a paid in full account as of XX/XX/2019 with XXXX XXXX. 
XXXX to update my credit score to higher!! 
Please send me proof this was done today -- my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have filed three different disputes with Equifax regarding my name over the past three months. Each, and every, representative I speak with assures me that my name has been corrected ; however, when I receive the confirmation in the mail nothing has been changed. I have sent in copies of, both, my Social Security card and my drivers license yet the change is never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The money owed or is being collected is from a stolen vehicle that was recovered, then sold at auction by insurance company. Also the remaining balance should of been covered by GAP insurance or primary insurance or both. It wasnt my fault for the vehicle to be stolen and had proper insurance coverage for such incidents if needed. I am not responsible for this {$6800.00}. Please contact GAP insurance through XXXX XXXXThank 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 2022-09-27
Company: I.C. System, Inc.
State: NC
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 XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.

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 2022-09-27
Company: Bull City Financial Solutions, Inc
State: NC
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 XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: DISCOVER BANK
State: NC
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 XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.

Company response to consumer: Closed with explanation