BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX of XXXX : XX/XX/2021 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 2022-09-17
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called XX/XX/XXXX and requested a refund of all the loan payments I made since XXXX of XXXX. They said great, got it submitted and quoted me 4-6 weeks. I got an email on XX/XX/XXXX saying my request was denied, I so called again them again on XX/XX/XXXX and they told me the request wasnt processed correctly and I had to do it again. I then re-reuqested my refund on that call and they told me it was officially submitted. I checked in with them for a status update on XX/XX/XXXX and they werent able to provide any information but quoted me another 4-6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I have called Capital One to dispute this charge and explained I was supposed to receive prescription glasses. I also explained that it took over four months to get any glasses and several emails to the company. What they sent where neither real XXXX glasses or prescription glasses. I have tried and tried to resolve with the company. When I originally called I was told this would be taken care of by Capital One. Then it was posted back to my closed account? I was told to send a letter to them which I did. The letter to capital one is attached and now they are stating that the charges will stay on a closed account? I will not pay for reading glasses i could have bought at XXXX. I will gladly send them back to the merchant if you can find them and get a return address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: U.S. BANCORP
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have called repeatedly about my loan payoff since XXXX. XXXX # XXXX. I got a payoff balance which I immediately paid electronically. Then sent paperwork. Received another bill, called and they said they never received my paperwork and now there was {$49.00} due. Spoke with a nice lady who told me to just email my paperwork in to expedite since there was an error. I immediately made the {$49.00} payment electronically and sent in the paperwork via email as requested. I called a week after and spoke to a woman who said the paperwork was received and I should receive my title in 2-3 weeks. My registration expires at the end of XXXX and I have an offer to sell the car and just need the title. I decided to be patient and wait the 2-3 weeks. 4 weeks later I get a bill for {$0.00} in the mail which is odd because the loan is paid off so I call and a woman puts me on hold and then disconnects me. I call back only to have someone tell me that I should have made the payment via certified check and mailed the paperwork. I said they were trying to expedite since this has been going on since XXXX. She said basically I didnt follow procedure even though I did what the previous agent told me and that my payment didnt count but they would try to make an exception but it will take 4 days and another 7-10 to mail. This means I cant sell my car by the end of XXXX. I have leased cars for years and never dealt with this level of disregard for customers. Its truly astounding that you can pay off a car in XXXX and not get sent your title for almost 3 months. Thank goodness I didnt need to sell my car right away because I would be in a really bad spot. US Bank should be ashamed of themselves.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NY
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'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} 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 2023-08-16
Company: Experian Information Solutions 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:
REMOVE ALL ACCOUNTS 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 explanation
Consumer complaint received 2020-08-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I'm trying to get a state to state transfer of my vehicles title from TD Auto Finance. I purchased the car on XX/XX/2020 I was told that the process takes about 30 days. I followed up with emails and phone calls on XX/XX/XXXX, XXXX, XXXX. I was told that TD bank hasn't received the title yet from Arizona. I was later told that they had received it and they would fax it as well as mail a copy of it to me. I never received the fax, but I did get a Title and Registration Application in the mail. My title agent said she needs a  certified copy of the title, not the registration application. She even spoke with them directly. My agent and I spoke with XXXX XXXX a TD bank customer service supervisor on XX/XX/2020. She assured us that she would mail a certified copy of the original title that day to my title company and to expect a 5-6 day delivery time. It never arrived. XX/XX/2020 I spoke with the finance department at XXXX XXXX, ( dealership where I purchased the vehicle ) to see if they could help me, they said they would contact TD bank the next day. I followed up with TD Auto Finance customer service on XX/XX/2020 and spoke with XXXX XXXX and he advised me that they still don't have a copy of the title and nothing was sent on XX/XX/XXXX. I called back today, XX/XX/XXXX, and was told that TD Auto just received the title this morning and will have it sent out in a couple of days and expect a 5-6 day delivery time once it is sent. I have my doubts that this will happen, but I remain hopeful. Meanwhile, my temporary tags have been expired for a couple of weeks and I can no longer drive my car legally because I can't register my car in Florida without a copy of the title. I have been more than patient and accomidating but I can't seem to get a straight answer from them. This really shouldn't be this difficult. I'm hoping this complaint will motivate them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Newport Intermediate Inc.
State: OR
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I attempted to use a North Lane virtual pre paid debit card via XXXX XXXX for an in store transaction. As the store required a PIN, I contacted North Lane to establish a PIN. After waiting on hold for 25 minutes over 3 phone calls, I was informed that they were unable to help me establish a PIN and that funds were not available. I confirmed that there were plenty of funds on the pre paid card to cover the transaction, and they confirmed that there was nothing they could do to provide me access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is an additional complaint to my open complaint against Bank of America. 
Recently after I advised the bank of my complaint with ( CFPD ) your office. And it being 90 days of my unresolved claims the bank closed my claims So that they would be within the federal guidelines 90 day policy in which to resolve my claims. Its a false claim on their part and its cheating the system .They wanted to show that the claims were resolved within the 90 day time frame. However, the claims have not been resolved and because I have not been given the chance to submit my evidence to them. Furthermore, they have stated that I have until the XXXX of this month to submit my evidence even though it shows these claims closed. It is now the XXXX and I have not received the merchants response or the documentation of signatures and swipe records or any records from the bank. BofA has stated that they sent them to me on the XXXX but I have not received them as of yet. I spoke to their claims dept and they advised me that they were going to email this documentation out to me yesterday but I have not received it. They closed the case only to show that they handled my claims within the 90 day process which they did not and they are running down the clock on the dead line to turn in my statement which I have to wait until I receive the document from the merchant. And everyday that goes by without receiving these documents I have less time to prepare my statement by the deadline of the XXXX. Its not fair and Its being done intentionally.

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 2020-11-11
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with chime in XXXX of 2020 period at the time I was living in XXXX and had to provide proof of residence as well as a copy of my XXXX driver 's license which I did. I have been using the account since XXXX lost my debit card one time even and had to get a replacement sent to me. Around the XXXX  of XXXX I started receiving my unemployment benefits from XXXX  that comes to my XXXX account direct deposit noted regular unemployment for XXXX XXXX which is the name the account is in. the end of XXXX I had to come to XXXX and was going to be out here for a few weeks maybe a month or so I called chime to ask if I should change my address they advise me yes I should. I changed my address and did very next day chime froze my account with every XXXX of money I had in it. I provided the same day the account was closed all the information that they wanted and spoke with a manager who advised me yes they had everything and that I should have got a warning before they close the account as well as when they close the account but at that time I had received nothing. The very next day I did receive something from chime saying that they closed my account and said why and with a list of stuff they needed I proceeded to call spoke with another supervisor this time and was advised everything was in there that that was automatic replied that my account should be open in 24 to 48 hours I waited the 48 hours still nothing I called back was advised they didn't have anything and was told that I was lying that I had not seen anything and was hung up on I called back and got a manager and the manager found the stuff I had and said that they did need a copy of the picture of me holding my ID which I provided to him as we were on the phone and verified with him that he received it fast forward same story 24 to 48 hours I should have my account back keep in mind I can't claim my unemployment for these time either because there's no account for it to go into and they've got every XXXX I have so fast forward till today I get an email saying that they close my account because it was not in compliance because I was getting unemployment from XXXX  and living in Arkansas even though I started getting my unemployment in XXXX  and I provided proof where I was working in XXXX  and moved to XXXX  temporarily but I can't get unemployment in XXXX  because I worked in XXXX so since then has they've been dragging me on I have lost my place to live I am now XXXX I have no money and I've lost sight in my right eye because I could not get the medicine needed to get the XXXX out of it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC 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 2023-11-29
Company: V and H Portfolio
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Vance Huffman LLC I contacted, and asked them to take action to get this COLLECTION removed from their records and to erase any record of the collection with all credit reporting agencies if they could not provide Documentation that I had to pay them. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done since it has not been done. Ive received documentation from this company with a letter from account whose name is NOT Vance and Huffman. They sent me a letter with a company name XXXX XXXX XXXX XXXX balance XXXX XXXX with a signature that is NOT MINE. How are you allow to falsely report something to my credit when I have no legal contract with you. This document Alone with only a signature is not enough to defame my name. I what this account removed and not associated with me. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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:
This complaint is in regards to medical debt collections by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. 

The outstanding debt was fully paid using their online system and after payment I was shown a " payment request was received '' screen. Money was then debited from my bank account the same day. I reached out to them to acknowledge receipt of payment, however I have not gotten any response. 

I opened disputes with XXXX and Equifax days later to get the amount updated on my credit report, however, despite receiving full payment XXXX and XXXX refused to update my credit report and responded to the dispute stating that the amount owed is correct and no payments have been made, which is blatantly false. 

It is unlawful and a violation of the The Fair Credit Reporting Act to knowingly provide inaccurate information to a credit reporting agency, but it appears as though that is exactly what XXXX and XXXX have done, while also ignoring my communication requesting payment receipt. 

I understand the credit bureaus will be removing paid medical collections from consumer credit reports in XXXX and would like to request that either the amount be updated or the now paid collection account be removed immediately from all credit reporting agencies. 

I will be attaching documentation showing payment screens on XXXX and XXXX website, the request for a payment receipt, the payment transaction in my bank records showing the amount paid equals the amount owed and the results of the dispute with Equifax showing the false validation provided by XXXX. 

Please assist in any way possible to get this matter corrected. No consumer should be subjected to false information being reported on their credit report, especially when they've paid the balance owed in full. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: VA
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 sent Experian a dispute letter dated XXXX, XXXX, XXXX after discovering that they BROKE THE LAW! What Experian is reporting on my credit report is inaccurate. My confidence in Experian 's process has been undermined because Experian claims the account meets the Fair Credit Reporting Act but that can not be true when the account is still inaccurate. Experian sent results to me without properly investigating the information XXXX XXXX XXXX is reporting for account number XXXX. Experian updated the account instead of removing it after I informed them that the information they were reporting was inaccurate. The account still remains inaccurate for several reasons, such as this account repotting a late payment but a collection account CAN NOT report a late payment. Also, the term is listed as a XXXX  month term but I never entered into any terms with XXXX XXXX and there are no documents bearing my signature to prove this. The balance on this account is inaccurate and the date opened is also inaccurate. With all these errors still reporting there is no way Experian properly investigated this information. Furthermore, Experian did not provide me with any original documents from the Original Credit to prove the validity of this information. It is obvious Experian did not read my letter because they did not address anything I outlined in my dispute letter. I explained in my dispute letter and provided highlighted attachments from the U.S. Code to prove how Experian broke the following laws : 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1681 ( a ) ( 4 ) U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) 15 U.S. Code 1681 ( a ) ( 3 ) Experian is also reporting incorrect addresses, phone number and versions of my name in their database. Attached to this complaint is my letter to Experian, the U.S. Code attachments of laws Experian broke and a copy of the results Experian sent me.

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