BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: Nelnet, Inc.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from NELNET [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with NELNET. They asked me to contact XXXX/XXXX  [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. 

They never replied. I requested : " The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. '' The only documentation that arrived is a photocopy provided by XXXX of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. 

When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with NELNET. I sent them images and screenshots via email per their request. I have not received a response. 

I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. 

The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello. On XX/XX/21 and went to a car dealership in Maryland called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) to look at a vehicle I was interested in. I applied for a used car loan through XXXX XXXX XXXX on that same day. The car that I was interested in was a little more than the loan that I was approved for. When I asked the sales representative that I was working with if hed be able to work with me around the loan that I was approved for through XXXX XXXX, he said yes. I ended up refusing the vehicle due to some issues that I discovered with it on the test drive. About a week later when I checked my credit report, I realized that there were 2 hard inquiries from the day that I visited XXXX XXXX that I did not authorize. The sales representative there must have run my credit on his own to see if he could get me a loan for the full amount of the car, but I did not consent to this. On XX/XX/ I tried disputing the inquiries through the credit bureaus on which they appeared, but was told that The only way to do so with through the company itself and then through the CFPB if The company would not resolve it. I called XXXX XXXX on that same day ( XX/XX/ ) & no one responded to me ( still hasnt ). I would like these inquiries to be removed immediately as they were not a result of my consent to run my credit ; I didnt authorize it and I wasnt even informed that it would be done.

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 2022-05-01
Company: Duvera Billing Services, LLC
State: CA
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 SECTION 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: DFC Global Corp.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX MOney Mart, XXXX, AZ. This is a payday loan they call XXXX XXXX. Payday loans are illegal in the State of Arizona. I've filed a complaint with the Attorney General 's office pertaining to the same. They harass me by calling 10 times per day even though I told them I've lost my job and their lending is illegal in this state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 founded and advised that my XXXX XXXX number was found on the XXXX web. XXXX has been placed with XXXX, XXXX and transunion. Attempted to dispute invalid items after gaining access to credit report. These items and inquires have not been verified or removed from reporting under the Fair Credit Reporting Act. Please offer insight.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am afraid the XXXX credit reporting agencies have not been exercising their grave responsibilities that were given to them with fairness impartiality, and a respect for the consumers privacy. I did not give consent to these accounts, being shared on my credit report. Or have given any permissible purpose. It has come to my attention that, although I have written several letters, asking for validation of death auto trails I am not getting any response because of the automated system in which they have in place, which is a violation as well. I am demanding these accounts be removed immediately off my credit report as it is in violation to my privacy as a consumer, according to the federal constitutional law, 15, USC 1681.

15 USC 1691 15 USC 1601 15 USC 1692

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 2023-04-30
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello, I do not appreciate the fake letter from the attorneys office that you sent, but that is not my concern. It has come to my attention National Credit Systems is not Licensed in North Carolina to collect debt. Please provide your professional license number so I can verify this information with the North Carolina Department of Insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Harris & Harris, Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called and found out the name they had associated with my phone number wasn't me. They said they would delete my number. I've also blocked their number. But I've received two voicemails from them in two days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i mailed out my mortgage payment check early XXXX and saw it was cashed on XX/XX/2022 but didn't realize it was made to my lender until they called me and said i'm overdue. I checked the image of the check on my app and saw that whomever stole it altered the check to show the payee as XXXX XXXX and not my lender, XXXX XXXXXXXX XXXX and they erased the memo where i enter my account number. This is the same check i made every month and all my carbon copies show the same amount, same hand writing and all the same details everything. I filled a claim with my bank, XXXX on XX/XX/2022, where they opened up a claim with XXXX XXXX. XXXX XXXX has yet to respond to XXXX regarding my claim. Every month that i call i get a run around on what i can do and what i can't do in regards to the claim. I was told it would take 60-90 days now 120 days and if XXXX XXXX doesn't respond to the claim that then chase will have to close it out and i will never get my money back which is devastating. I need some resolution as i am an older lady, my body is giving out and i can't work as a nurse like i used to. I feel as though my bank that i've been with for over 10 years does not have my back and will just brush their hands clean like this nothing happened. Both chase and XXXX XXXX  are at fault with being able to cash an altered check. I am unable to get any credit from my bank and they do not understand this is my mortgage payment. I love my home that i work morning and night for and i am exhausted trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of XXXX  minimum payment was not processed had my account setup on autopay my bank account was never debited on the due date witch resulted in me getting a late payment on my credit file reach out to the company and they told its non thing they could do for me but next month the payment went through with no problem. The late payment is stop me from getting a mortgage for my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
This is inaccurate reporting, 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 2022-05-01
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
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:
Hello, I have filed disputes about an account that keeps appearing on my credit report. The original creditor was a cable company. However, i don't owe them. I asked the credit company to show me the " proof '' that validates the collectors claim and I never am given that information. CBE now how the account and they say I owe {$250.00}. I do not owe anything  at all.

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 2021-07-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
LVNV Funding LLC at XXXXXXXX XXXX XXXXXXXX XXXX, SC. XXXX has been sending me collection notices in the amount of {$700.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act. The List of account ( XXXX ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # XXXX, # XXXX has violated my rights. 

15 U.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-16
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX-Account number XXXX -- XXXX In these 3 months I have not received a notice in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 3 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The following account was charged off as of XX/XX/2020. Since then the account has repeatedly been updated as charged off every month and 90 days late repeatedly every month! This is an update in the payment history which to my understand charged off accounts should not include an active payment history. This also falsely manipulates the statute of limitations. 

Additionally, this account has inaccurate information throughout including, but not limited to Account number, Account balance, and Account status. This is not my first time brining this account to your agencies attention. I kindly request that the methods used to verify the accuracy of this account are provided in your response to this dispute. 

I am requesting a deletion of the following account for inaccurate reporting, to exercise my right to fair and accurate reporting : Accounts Name - Account Number XXXX : XXXX Best Regards, 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 2017-05-03
Company: Thaxton Investment Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a loan with COVINGTON CREDIT  XXXX   XXXX   XXXX   XXXX , GA  XXXX . I had a check returned for  XXXX . I wrote a letter explaining that I 'll cure the check  XXXX   XXXX ,  2017 . When I called, THE  XXXX  FEMALE REP, I 'M  XXXX  TOO, TOLD ME THAT MY CHECK CLEARED. I ASKED, ARE YOU SURE? SHE REPLIED YES. TODAY,  XXXX   XXXX , THIS SAME  XXXX  CUSTOMER SERVICE REP CALLED MY HOME  15 TIMES, YES, 15  TIMES CLAIMING I OWE  XXXX  SHE EVEN CALLED A RELATIVES CELLPHONE. I WILL CURE MY DEBT ON THE  XXXX  OF  XXXX . This employee does not know her job nor does she know that in Georgia, calling someone consectively is Misdemeanor stalking. She gave me wrong information and I tried to do the right thing and cure my debt. I want her stop calling my home and she needs to do her job right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I already told Bank of America that XXXX  days ago XXXX ( My existing Mortgage Bank ) had complained about BOA the beneficiary on my home. This should be changed on the Closing date not XXXX days before that and they must be put back XXXX as the beneficiary by the end of XXXX XXXX XXXX XXXX Tuesday, XX/XX/2003. 
I started this process the first week of XXXX ( XXXX Months ) and I am still not even close to the closing when the interest rate was 2.87 % and now almost 9 %, Please look at your site that says that BOA still waiting for Property valuation BOA Responsible that I even got that by mail XXXX days ago from BOA! You see that there is something wrong here! And if anyone check this email chain you will find that I never got an answer to any of my questions or calls, but there is only XXXX Requests instead that I provided each XXXX XXXX for XXXX months. 
Here is what you are asking now with my answer to each one : XXXX XXXX XXXX XXXX XXXX XXXX  that I pay in full each month XXXX XXXX XXXX XXXX XXXX all my monthly bills go there each month for the points, and I pay in full each month XXXX XXXX XXXX XXXX XXXX This is my daughter car, I bought it for her and now she is in XXXX XXXX XXXX school. She is paying this each month since she has a full-time scholarship and, she gets XXXX  each semester XXXX. XXXX XXXX XXXX XXXX  paid in full XXXX days ago, and waiting for the car title XXXX XXXX XXXX XXXXXXXX XXXX My mortgage I sent you the last statement at lease XXXX times XXXX XXXX XXXX XXXX  This has been disputed almost XXXX years ago, they were corrupt, please see comment on the report and this should be out from my credit report I will end up after this with a payment of XXXX a month and I make over XXXX  each month. " What is the problem here! '' BOA have done XXXX hard checks on my report because of your loan process delay. 


New email XXXX XXXX, I didn't get any calls from you today as you indicated and my phone with me all day and i received other calls from other people! there must be something wrong with your system because i got the call from XXXX XXXX! BOA I already sent an email to XXXX last week that I am not paying any of these items, It will leave me with XXXX to upgrade my bathrooms!!!! and your interest rate when up from 2.87 % to 8.28 % because it took you over XXXX months and you have not even finished yet! and here is why If you all want to stop this no sense process, please just say that I am not approved so I can start another refinance from my XXXX XXXX  again Please just reply to this email ASAP since you are unable to reach be by phone. 

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