BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
US Bank is still reporting me as having made late payments in XXXX and XX/XX/2018. I lived in XXXX XXXX at the time when wildfires cut off cell phone and internet access. Also, US Bank at that time did not allow me to make automatic payments from my account. I respectfully request that they remove these reports of delinquent payments as they were caused by a wide scale natural disaster.

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 2023-10-05
Company: Nelnet, Inc.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am in the midst of dealing with setting up my IDR plan to reflect my true earnings, as my current plan is reflecting income no longer received that was taxed in XXXX, but earned in XXXX. This is compounded by the fact that my child support was doubled this year in XXXX, despite having a split custody/shared placement arrangement. Needless to say, this has resulted in a further reduction of income, which I have been contending with as I struggle to also arrange payment to the IRS for a large tax bill, also due to the previous year 's earning from XXXX. 

I NEED ASSISTANCE FROM THE LOAN SERVICER. I have contacted FSA and made another change request to the IDR plan that was on file, as I am not able to make the payment as listed on Nelnet, and I have not been able to get through to them.

I was provided with an update from FSA that the change would be reflected in up to XXXX weeks with additional correspondence from the servicer. I have attempted to reach out to Nelnet several times last month in XXXX, and now a few times in XXXX. Each time I am put on an incredibly long hold, never to speak with an advisor or agent, despite being given a " XXXX minute wait hold. '' This is absolutely unacceptable and quite frankly a little ridiculous. Until I am able to review my payment plan and submit my updated income information, which I have been attempting to do since XXXX, I refuse to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: FIRST HORIZON BANK
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX has a hold on my account. It's been over a week. No one has told me what the reason is of what I need to do. This is causing me severe financial damage as I can not make any transactions. 

I am about to loose my home, cars and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Due to the fair credit report act I would like my auto loan be removed from my credit report using 15 usc 1681 and due to other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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: Public record information inaccurate

Complaint:
I have been disputing information on my credit reports with all 3 bureaus and between the 3 of them none of my information is accurate. I just was declined for an apartment and I received my report. XXXX is still showing inaccurate information on my credit report as well as TransUnion. My scores are all different between the 3 and this is frustrating.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the effort to CORRECT some of the data in my credit report, but I checked my credit report and found that some of the data were stillincorrect. 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 deletion due to inaccurate reporting in my file. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX A+ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/2018 - purchased timeshare under predatory standards. XXXX XXXX XXXX issued credit cards via Bank of America immediately. Currently paid agency to terminate our Timeshare but we still have the balance with Bank of America that we would like forgiven due to the circumstances. We have 2 cards issued to us. XXXX and 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-05
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Trying to get my application process before my grace period ends. My application was placed 3 months ago and have not had any update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: NJ
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:
last month i took a look at my credit report last month and i noticed around XXXX negative items that where not mine. I quickly found out that these accounts where open without my consent. i think that maybe my cousin used my information to open these accounts.

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 2021-03-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I sent a letter to Wells Fargo XXXX XXXX asking Wells Fargo for debt validation of the credit card debt. I stated that if Wells Fargo could not validate the debt to delete it.The letter was mail certified mail with a return receipt. I received a letter from Wells Fargo on XXXX XXXX. After reviewing the letter I received from Wells Fargo I found several exhibits that violate my consumer rights. I have sent a Affidavit of Truth to Wells Fargo demonstrating my consumer rights that are being violated labeled Exhibit A, B, C, D, and E. I sent this letter certified mail with a return receipt. I have not received a response.

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 2023-10-05
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was on a XXXX driven repayment plan with Nelnet student loans and all of a sudden my payments stopped and it says the next is not due till XXXX. This is not correct and I have not authorized this. I need to be on the plan that I set up because I am in the middle of purchasing a home build loan and this needs to reflect what I authorized. I have been trying to contact Nelnet for weeks. Today I was on hold for over XXXX hours with no answers. I visited their facebook page and thousands of people are dealing with the same issue. I need to know what happened to my account and how can I get it back to the income driven repayment plan that I set up. Nelnet is not answering or complying with federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
It is unacceptable to me for my complaint to be closed as if there is a resolution when there isn't one. I am re-submitted a complaint that didn't come to a resolution with my credit card company and will keep one open until there is a resolution. Business Credit card was suddenly closed with no reason given on XX/XX/XXXX. There were over {$1000.00} in rewards points on the card when it was closed that can't be used now that the card is closed. After the card was closed we called American Express on XX/XX/XXXX and was told there was no reason for closure and that the representative on the line would take care of the issue for us and reinstate the account. By XX/XX/XXXX the card was still closed and we called support again. Again we were told there was no reason for the card to be closed and that we would have to " reapply '' to have the card reinstated. It is now XX/XX/XXXX and the card is still closed with no follow-ups from American Express . We would like the card to be reinstated and to regain access to our rewards dollars. The response to my original complaint on XX/XX/XXXX was responded to today XX/XX/XXXX. I am summarizing with my interpretation of the letter but it basically stated we don't know why your account was closed, you provided everything that would be needed to reinstate it and the card is still closed. I have attached the companies response from today XX/XX/XXXX which offers no resolution of reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: MI
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:
On my Experian credit report, there is an amount of {$470.00} owed to XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX. I have successfully contested this debt with XXXX and XXXX, and gotten it removed from those two credit reports as this debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received Paycheck protection Program loan for my business, in XX/XX/XXXX. Loan detailed must be spent on business needs. In which every dollar is accounted for in XXXX for company inventory. I have submitted receipts of items ordered for buiness needs to Small business admin. All supporting documents were accepted. I was told by SBA to request forgiveness once my documents were accepted. In which i did, i received a letter from SBA stating loan forgiveness granted. However, on XX/XX/XXXX Capital One locked my account. Stating i was not a business owner and should not have received PPP loan. I called Security department for capital one whom stated they needed Schedule C form for XXXX. In which i submitted immeditately, along with several supporting documents showing sales. XXXX is one of my many payment methods, which is connected to my capital one account. Captial one Bank can clearly see sales with customers first and last name next to each dollar amount. I sent statements showing business owner. My account remains locked and my funds inaccessible. This has caused a loss in income for XXXX  payment method. All of my bills that are attached to this PERSONAL account are now in default. They can not auto draft as it would normally. My credit card accounts that i have with them are also restricted. I was told if lock is not released, then this can lead to negative credit rating. I have submitted complaint to Office of Comptroller and heard nothing back yet. I have gone online to see others facing this same nightmare. I reached out to Small Business Administration, to further inquire on reason for lock. SBA stated " Lock is not apart of SBA loan that was given ''. SBA representative stated this is the bank that has decided to lock accounts for ppp loan. I was told by SBA representative to seek legal counsel and submit complaint to OCC. This entire issue has caused such distress to me personally and business wise. My auto loan with them also sent into default. In which may lead to negative credit rating as well. Having to defer this payment until issue is resolved, causes additional interest. This is unfair, especially to be done by a company you trust with your life savings and business. I have other accounts with other banks and i have never experienced this horrible business ethic. Im currently seeking legal counsel to resolve this matter. Im also feeling like punative damages are in play. Loss of income, pain and suffering. I would love to start a class action suit where all the people on XXXX can partake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am having an issue with a mysterious, old debt related to my XXXX XXXX account that I closed in XX/XX/. It was closed with XXXX debt. I have emails from XXXX stating that my account balance is XXXX dollars. I have emails documenting my account activity. I paid my bill using autopay from my debit card. XXXX had my card on file. 

In XXXX of this year I received an email from XXXX stating that I have an outstanding balance of {$44.00}. Apparently they were collecting for Jefferson Capital, who was collecting for XXXX XXXX. I asked for details, explaining the whole thing in detail. I am attaching a printout of my email communication with XXXX. They acknowledge that they don't have a record for me and told me they will cease collection activity on my account ( please refer to the attachments for a detailed overview ). XXXX account fell of my XXXX credit report after that conversation. They never stopped harassing me via email despite their multiple statements that they are not collecting on the debt anymore. Eventually I just blocked their address. 

This brings us to today, I checked my XXXX credit report, and that collections account is back on my credit report. I have explained my times that I will pay what I owe, I need to know what I am paying for and why. This is beyond frustrating, I know I can just " resolve '' the issue by paying the {$44.00}. It doesn't fair or prudent though. Thank you for your help. XXXX XXXX XXXX. I have many more emails that I can forward. I would need an email address though.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: NPAS, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call on XX/XX/18 regarding a medical bill, for my daughter, for services rendered in Florida ( I am a SC resident ) on XX/XX/18. The company, NPAS, claimed that I owed an undisclosed amount on said bill. I asked a few questions about when the bill was sent and what address was on file. Note, I had the bill from the hospital in my hand, stating that after XXXX paid their portion all I owed was {$39.00}, which has been paid. When she finally told me that a bill had been sent in XXXX to my address, I asked her what name was on the bill. She went on to inform me that the responsible party had been updated in XXXX. If that be the case, how did I get a bill in XXXX ... she couldnt answer me. So with that being said, I asked, if a bill had been sent to MY address in XXXX, but my name hadnt been updated until XX/XX/XXXX, how was I to know that it was for me? I told her had I opened mail not addressed to me, it could be considered mail tampering. She agreed and said that she shreds or will return to sender any mail she receives personally like such. She was advised that I never signed for treatment due to me being 700 miles away, and that this account needs to be researched further. She said she would open an investigation. I have the whole conversation recorded for my records.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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