BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Nelnet, Inc.
State: NC
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 lost my job in XX/XX/XXXX. For part of this time I was drawing unemployment, for part of the time I was doing some self employment work. I discussed this with the lender and asked about payment based repayment. I was told that since I was unemployed I was not eligible and that I needed another forbearance. During the summer of XX/XX/XXXX, I became very depressed due to my inability to find a job and worsening complications for XXXX and pain issues. When my forbearance was over, I was told that I no longer had a forbearance to use. This was approximately XX/XX/XXXX. My medical conditions had continued to worsen and I had XXXX on my XXXX. I went into treatment in XX/XX/XXXX for 28 days. While I was in treatment, I started getting late notices and the loan went into default. I continued to speak with the servicer about my options. I could have qualified for a income based repayment plan but again was told I was unable to go on that plan because I was not working ( I was still doing some part time self employment ) I was not eligible for income based repayment schedule. In the fall of XXXX I had continued failing health and applied for Social Security XXXX. My loan continued in default and I was told that I did not qualify for a XXXX discharge because my XXXX was not approved by SS. At some point this in XX/XX/XXXX or XX/XX/XXXX I was told I complete a special program and get my loans out of default by making 9 {$200.00} payments and that my credit history would be erased. I was advised that after that I could go into an income driven repayment. 
I struggled to make those payments and completed the program. I was eventually awarded XXXX with an onset date of XX/XX/XXXX. My income driven repayment has been {$0.00} until I qualified for a XXXX discharge. 

This misinformation has cost me in several ways. My credit has reflected multiple months of XXXX months of late payments. This has made it virtually impossible to get a loan, causes me to pay higher auto and homeowners insurance, made my credit score drop into the low XXXX and, if offered credit, it has been at ridiculously high rates. It has caused my balance to balloon. Had I been told I could apply for income driven repayment I would be 8 years ahead on total discharge. If I had been told about a medical discharge based on doctors affidavits, my XXXX onset of XX/XX/XXXX would have XXXX the loan almost 4 years ago. Finally, the misinformation forced me to pay {$1800.00} unnecessarily to get my loan out of default. 

I have filed requests through the credit bureaus 4, or more, times and they have thus far refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: NAFCO Finance
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I have a car loan I prepaid for around XXXX months. After the XXXX  months of prepayment I didnt realize a payment was due and proper notification was not given and my car was repossessed. 

Also during the repossession the tow operator would not release the car as requested and damaged the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Nelnet, Inc.
State: LA
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:
Good evening, I was recently informed of the Servicemember Civil Relief Act as it pertains to Louisiana residents and my current auto loan falls under the jurisdiction of this Act. I have the proper documentation and it has already been emailed to you. Thank you for all of your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: Lending Club Corp
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On  XXXX   XXXX ,  2017  the company received a certified check that paid off the balance in full. The same day the company still proceeded to debit my checking account for an additional payment. So now they have received the payoff of {$18000.00} and an additional payment of {$780.00}. The account does not reflect a credit balance or show a refund due and they are holding my money. The account number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint of the balance that was currently on my account. I was told that it was correct it when I open my credit report on today, I see that Exeter finance has went back on their word and changed the reporting on my credit report back to negative remarks and not the information they stated that would be changed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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: Public record information inaccurate

Complaint:
XX/XX/2015 CHAPTER XXXX DISCHARGED XXXX $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS XXXX/EQUIFAX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a One Deposit checking account with Citizens Bank on XX/XX/2018. It's been 90 days since my deposit and I haven't been awarded the {$200.00} bonus. 

I also made three online bill payments and did not receive a {$50.00} bonus as stated in the mailer that I was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-28
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for ONE CAR LOAN and they ran my credit several time with out my permission and for cars Ive never asked for!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This compliant is in regards of the recent accounts being reported on my consumer report that I will share below, that the credit bureaus have been reporting causing a high negative impact on my consumer report.I have been aware that since I open these accounts with these companies I made some uninformed decisions.First I was never giving any clarity of these agreements and the agreements was not conspicuous.15 usc 1601 makes it clear and conspicuous that if I was giving the proper information where I can understand any agreement in a credit transaction thats this would have been avoided and I would have been aware of the actual cost.To my knowledge there is no evidence of these debts, the only evidence would be the agreements.But because of the uninformed decisions these agreements has been voided. I was not giving an adequate notice where I could reasonably understand the full meanings of the agreement, where it seem these companies have only benefited.The very long agreement was very stressful to understand and over-stand any verbiage used in it.Even after trying several attempts to get any understanding from these companies I misguided.I highly dont believe the generated systems these companies use to send consumers these agreements gives adequate notices where all consumers can understand as well.According to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be EXCLUDED from a consumer credit report.Therefore these reports should have not been reported. The definition of a credit card under 15 usc 1681 relates as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, port, labor, or services on credit. Congress makes its clear and states that ANY card. So basically the credit card used would be my social security card.This is the credit card I used to begin ever consumer credit transaction below.So if anything these accounts should be reported as paid in full and payments updated as on time. I would like to demand that you these credit bureaus do just that or remove these transactions from report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 


These following accounts need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXXXXXX XXXX Open XXXX/XXXX/2022

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 2017-05-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On   XXXX   XXXX   XXXX  , I 've received a letter from  Social Security Administration  that I was not eligible for my  SSI  monthly check, because between    XXXX   XXXX    to    XXXX   XXXX    I have had more than {$2000.00} in my  JPMorgan Chase Ba nk account, allegedly.  ( Docs attached ).      Turns out, that only on    XXXX   XXXX   XXXX    I became a co-owner of my husband  XXXX  's account, number  XXXX . Then on    XXXX   XXXX   XXXX   , I signed my name out and  XXXX  returned to be the sole owner on that account.     I called Chase Bank a few days ago, twice, an d two differe nt customer service reps have run my SSN through the system and found out that I have had no history whatsoever with Chase Bank! Which is strange because I did have a joint bank account with  XXXX  between  XX/XX/XXXX  and  XX/XX/XXXX ! Nonetheless, it makes the case even stranger based on  Social Security Administration  claiming that I used to have thousands of dollars in my so-called Chase Bank account. If so, what happened to all my money??     M y SSN  is  XXXX   XXXX   XXXX  by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Contemporary Information Corp
State: TX
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:
Payment was lost by the previous property management company before they switched over. The new company filed an eviction. Payment was reimbursed and reissued. 

My submission to CIC : 1. Proof of payment OVER judgment amount. 
2. I still live here, so I wasn't evicted nor was a writ of possession issued. 
3. Notice of NonSuit. How can BOTH the LANDLORD and JUDGE sign off on a court document, and it STILL not suffice for CIC? 

The actual sealing/dismissal of records per the court can take months. That is why the COURT advised me to submit this paperwork to the screening agency. 

CIC Response : " REGARDING YOUR HOUSING COURT DISPUTE CIC has contacted the furnisher of the information and have completed our reinvestigation of the disputed information. We have determined that the information originally reported is accurate and complete, based on current information provided by the court. Based on current information provided by the court, records show judgment in favor of the plaintiff for case XXXX. 



You will need to contact XXXX JP XXXX COURT TX - Civil Division to petition the court to have the information sealed and/or dismissed. Should you have further questions, you may contact the court directly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: FL
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:
I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wakefield has place collection on me that are not mine.   XXXX   XXXX   XXXX    offered financial counseling and provided 100 % discount under a program that was signed off to allow student to get their training. I have no knowledge of responsibilities other than that.

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 2017-05-14
Company: ERC
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:
I am wondering how stupid are these ERC treating me. There is no money i owe from them plus I am still  XXXX   XXXX  customer cor the last 7 years. Had I owe money from them, they would have brought me a clear evidence.  XXXX   XXXX  reported mw to this collection agency. I DONNOT OWE ANY MONEY FROM THEM. Period

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: DailyPay, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
My company uses a service called DailyPay to allow instant transfers outside of the pay period. This most recent pay period, our check was delayed for 3 days due to an ACH issue on this service 's end. An advance of my own money ( gross pay rather than net pay without tax withholding ) was made available by this service to avoid overdraft due to the delay, but upon transferring this advance, I was told I was issued an overpayment of that exact amount that would need to be repayed before any of the rest my money could be accessed again. I spoke with customer service, who did not sufficiently explain this issue, as the dollar amount they told me was my gross pay, was not correct based on what was reported within the online service. My ticket was escalated to a supervisory figure, and I have not heard back. I received an email from this company shortly after my call with customer service stating that DailyPay would be subtracting the total of that advance from my next paycheck, although this was not the error resolution option I chose through the online service, or the one I confirmed with a customer service agent. My total earnings, which are significantly higher than the overpayment amount, are now being entirely withheld, and there is no record of having made this transfer on the mobile app, or through DailyPay 's own customer service, although it is reported in my bank statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2017-05-14
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently reviewed my credit report and seen an alleged account from this company. I do n't recall signing any contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/23 I contacted Title max to try and reach a settlement. I was directed to my local store when I asked for my contract and payment ledger. XXXX said she could only retrieve the last contract since it was a monthly loan. When I asked for the payment ledger XXXX said it had been a while and corporate had taken over my accounts and she would print what was available. My payment ledger is inaccurate and only indicates one or two full payments. Since I am restricted from accessing my accounts on line I have no recollection of what Ive paid Title max.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Care LLc .  XXXX   XXXX   XXXX   XXXX . This company purchase my mortgage from   XXXX   XXXX   XXXX   about one year ago. Since the purchase I have had problems with payments crediting in a timely manner and not  XXXX   XXXX    XXXX   my  Home Owners insura nce company called me to advise I they have not received my insurance payment for the new year. The payment was due  XXXX   XXXX    XXXX  . The bill was sent out by the insurance company to  XXXX   XXXX  servicing  XXXX   XXXX   XXXX   XXXX , SC  XXXX  30 days in advance. My policy will be cancelled  XXXX   XXXX    XXXX   if payment is not received from the Loan company. After I was advised of this situation I signed into the Loan company web site and saw a debit was removed from my escrow that same day. This is 13 days after the due date. As of today the 13 my insurance company has nor received the payment. I hope they will receive it next week because I do not have the funds to cover that and once cancelled I will never be able to purchase that same policy. This is unacceptable and this company has hundreds of such complains on the internet. The is also a complaint page that seems to be run by the company itself which of course gets no action just to make customers believe the government will see the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
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: Personal information incorrect

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Cottonwood Financial Ltd.
State: NM
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX This number called Said I got a loan in 2019 and I'm going to jail. I have never got a loan in my life I paid off 2 cars that I own one bought cash other financed took 1 year to pay and I already sold vehicle as trade in. This was pure fraud asking for my social security number.

Company response to consumer: Closed with explanation