BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I recently called in on XX/XX/XXXX or the XX/XX/XXXX I believe and I wanted to figure out how much my pay off would be if I paid on that day and how much it would be if I waited until the XX/XX/XXXX.  The lady proceeded to tell me that it would be around {$790.00} if I paid the loan off the day I had called and it would go down to {$650.00} if I waited for my next pay date which is XX/XX/XXXX. When I called back on XX/XX/XXXX the representative is telling me something different and she is quoting me a higher price. I asked to speak to a manager and she wasn't helpful at all and so she begins to tell me that my amortization schedule that is online is different than what it actually is because I had late payments, but my account is current. The manager told me that my account is accruing interest daily at 150 % and the price the other representative had told me was the price for that day. Which doesn't make sense because my balance should go down the closer I get to my payment date and according to the numbers she was giving me it was going up. Also according to what is online it states the amount the original person had told me when I called on XX/XX/XXXX. The manager also did not want to give out her manager 's information so that I could call or contact them in regard to this issue she stated there is no one else for me to talk to. I simply would like this issue resolved and have someone who knows the correct information when they give it to customers because everybody doesn't seem to be on the same page. I also find it very hard to believe that there isn't a different number to their corporate office when issues such as this arises.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Self Financial 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 information incorrect

Complaint:
CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Self lead bank Amount : {$1600.00} Party Owed : XXXX XXXX card Amount:XXXX I am disputing this claim due to : Payments never were late This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed mav be additional evidence to support my claim. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I'm in the process of refinancing a home. I was overdue on one of my credit cards for the month of XXXX, where the credit card was over 30 days late. I brought the account current prior to the credit card company reporting the information to the credit bureau as late. 

I was told by a customer service representative that if I pay for it before it reports then it would not show on the credit report, and this was the case. Since I'm in the process of purchasing a home I've been a hawk about monitoring my credit report. For the month of XX/XX/XXXXthe credit reporting agency reported that my account with the credit card was current for the month of XXXX. 

However, in the month of XXXX the credit card company changed the information that was reported for the month of XXXX. My issue is that in the month of XXXX I began the refinance process and had a clean credit report. So I paid for an appraisal ( {$500.00} ) and to transfer the title of the property that I'm refinancing approximately ( {$1000.00} ). 

As the refinance process came to a close they bank is no longer willing to refinance the home due to the one late payment being reported by the credit card company ( see attachment ). 

My complaint is the fact the credit card company retrospectively updated the information, and if they never retrospectively updated the information I would not be out {$1500.00}. 

Additionally, I was proactive in reaching out to the credit card company detailing the issue on two occasions to no prevail ( see attached letters sent ).

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 2023-01-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$670.00}

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 2019-01-24
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX XXXX keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked XXXX XXXX ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that XXXX XXXX to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that XXXX XXXX provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$4100.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$800.00} ; XXXX XXXX ( Original creditor : XXXX ) XXXX Balance - XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$3600.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on 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 2019-06-12
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started a dispute of two transactions on or about XX/XX/2019. I forwarded the requested information on multiple occasions but was told that my information was not received. 

I called multiple times but never got a solid answer to my questions about the status of my dispute. I disputed two charges ( {$150.00} and {$570.00}. ). I have had nothing but the run around. 

They finally provided a credit for the {$150.00} but have not been forth coming with with the dispute concerning the {$570.00}. 

I feel like this is intentional at this point. 

I have been a member for a number of years.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX monitors illegal internet sites on the dark web and notifies me if a match to my personal information is detected. Unfortunately, my Social Security number ( SSN ) has been found on the dark web. 

It XXXX not mean I was a victim of identity theft. However, identity thieves can use my SSN in a variety of ways including to apply for credit in my name, file a fake tax return or obtain medical care. It can also be used to steal Social Security or unemployment benefits or provided to law enforcement in connection with a crime. 
Additional Info Details First Name : XXXX Last Name : XXXX XXXX : CA Zip : XXXX Phone Number : ( XXXX ) XXXX Social Security Number***-**-**** DL Number******** DL State : CA Potential Site : XXXX XXXX BREACH OCCURRED IN XXXX, XXXX Records Found On XX/XX/XXXX D.O.B. : XXXX. FOUND Found WithSOCIAL SECURITY NUMBER. I have contacted XXXX fraud department and was made aware of the 5 numbers listed under my name, none of which I have had direct access to only one was active. 

XXXX XXXX fraud department these are not active but were in the past. 
( 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 explanation
Consumer complaint received 2019-06-12
Company: Westlake Services, LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had auto pay scheduled to reoccur each month. On XX/XX/2019 the payment was not withdrawn from my account. I called Westlake financial services and the representative I spoke to mentioned they just couldnt continue to withdraw funds automatically without prior notification to me. I was then billed XXXX dollars for an NSF from west lake financial the funds were available in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Nelnet, Inc.
State: TX
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 filed a recent complaint with Nelnet regarding this same issue and was given a satisfactory response. However upon calling them today they are telling me that it can take up to a year to fix this issue which was Nelnets fault in the first place as I had repeatedly indicated to them that I DID NOT want my loans to be discharged under the TPD automatic discharge. In XXXX I received a letter indicating my loans would be automatically discharged since I am a XXXX XXXX XXXX XXXX. I indicated in Writing as well as calling Nelnet well before the deadline that I did not want my loans to be discharged since I am still in XXXX Despite this Nelnet proceeded to discharge all of my loans and now I am unable to pay for school because of the incompetence of the XXXX discharge department at Nelnet. Nelnet needs to expedite this and fix it before my school starts as I use loans from the school to pay for my housing without which I will be homeless. I can not wait a year for them to fix something that was a lack of miscommunication on their end and of no fault of my own. They need to inform XXXX that my TPD application was cancelled and to reinstate my loans so that I can receive XXXX loans from my school. As you can see this letter dated XX/XX/XXXX that I received from Nelnet shows their acknowledgement that I had opted out of the TPD discharge. Despite this all of my loans were discharged even though I had indicated to Opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted XXXX for a second time on XX/XX/XXXX, requesting information on what I need to do to remove the cosigner from my loan. They responded XX/XX/XXXX that they would need 7-10 business days to review that I had made 24 on time payments, which I have and an additional 3 to send a form. As of XX/XX/XXXX, I have received nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX To Whom it may concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) regarding an inaccuracy in TransUnion, LLC credit reporting. specifically as it relates to credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 6. XXXX XXXX XXXX Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX 9. XXXX XXXX Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the fair credit report act section 1681b ( c ) and a serious breach of my privacy rights.

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 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
i have compliant multiple times, it seems no one care, they just call to shut me up, un ethical and no 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 explanation
Consumer complaint received 2019-07-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, My name is XXXX XXXX XXXX. Ive been trying for almost two months to retrieve my funds via a payment that was sent to my Chase account through XXXX. 

I had someone send me {$400.00} for an item I sold to them. The payment has cleared on their end and they arent unable to cancel the payment since theyve sent it already. I received an email alerting me that I would be receiving a payment from XXXX XXXX who banks with XXXX for {$400.00} on XX/XX/2019. I tried to accept the funds and I get a message on my account saying that an error has occurred and my email address needs to be added to my XXXX/XXXX. This is the same email account that Ive used for all of my XXXX   transactions and with Chase.. 

i try deleting and re-adding my email and it says that I have a pending payment but as of yet, the payment has not been credited to my account. I have called every number I could at chase and XXXX with no luck. I went into my branch to speak with a banker who was also of no help. Ive contacted Chase executives who also would not help me. Ive provided screen shots of my account to customer service and of the pending payment and Im still being told that they cant see it, when its clearly on the screen. 
. The sender of the funds now thinks Im trying to scam him because I asked a few times to cancel and resend the payment and has since blocked and cease communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
My information was sold illegally I was a Victim of XXXX XXXX XXXX. No actions has been taking I did check to see if my information was impacted by the XXXX XXXX XXXX. Claim has been filed against XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, My car was declared a total loss in XX/XX/2023. My car loan with Bridgecrest was paid in full in XXXX of 2023. I have contacted Bridgecrest numerous times to request that they report to the credit bureau that my car loan has been paid in full. They have not done so and refuse to do so. I would like my credit report to reflect that my loan was paid in full. The information with Bridgecrest is below. They were paid a total of XXXX which paid off the remaining balance of the car loan.

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 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I hope this letter finds you well. I am writing to request your kind assistance regarding the late payments on my account ( Account # XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I kindly ask that you consider removing these late payments from my account and re-reporting them as current. 

I understand that late payments are serious matters, and I take full responsibility for the financial obligations associated with my account. However, I would like to provide some context and explain the circumstances that led to my inability to make timely payments during that period. 

In XXXX of XXXX, I experienced a heartbreaking event when my beloved cat was tragically hit by a car right in front of me. Witnessing that accident, combined with the loss of my husband earlier in the year, plunged me into a deep XXXX. My cat was more than just a pet ; she was my constant companion and a source of comfort during a challenging time in my life. Losing her further exacerbated my emotional distress. 

As a result of the immense grief and XXXX, I found it extremely difficult to cope with my day-to-day responsibilities, including managing my finances. I fell behind on my work obligations and subsequently struggled to make payments on all of my bills, including the outstanding balance on my Capital One account. 

However, I want to emphasize that I have made significant efforts to address and overcome these hardships. Through months of prayer, therapy, and personal determination, I have managed to overcome my XXXX and return to work. I am once again able to meet my financial obligations promptly and responsibly. 

Given my improved circumstances and the sincere commitment I have shown to regain stability in my life, I humbly request that Capital One considers removing the late payments from my account. By doing so, it would greatly assist me in my ongoing home buying journey and provide me with a fresh start towards financial stability. 

I understand that this request may not align with the standard procedures, but I sincerely hope that you will review my case with empathy and understanding. I believe that everyone deserves a second chance, and I kindly ask for your support in rectifying the negative impact of the late payments on my credit history. 

Thank you for taking the time to consider my request. I genuinely appreciate your attention to this matter. Please feel free to contact me at the phone number or email address associated with my account if any additional information is required. I look forward to a positive resolution and your favorable response. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Experian Information Solutions Inc.
State: NY
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:
Items were removed waiting for it to show as removed on my Experian credit 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 explanation