BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: DISCOVER BANK
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I obtained multiple XXXX  loans to fund my XXXX XXXX I recently XXXX  and recognized that I can not pay XXXX  loans as I don't make enough money to buy food, pay rent, etc. Fortunately my father helps me with expenses. We did an inventory of my XXXX  loans. I have XXXX, all with Discover Student Loans. XXXX of them my father had to cosign. XXXX of them they approved me without a cosigner. They positioned this as great news, what I didnt realize is that they were happy to charge me a predatory interest rate. All of my other loans ( with my father ) are a few basis points lower. This is where the complaint comes in .... I reached out to Discover to refinance the loan and add my father to bring down the interest rate. They refuse. They are now saying that I have to qualify for the loan on my own, which we all know I cant do ..... I have made on time payments to them for years and just want to add my dad to the loan to make it more reasonable, but they are trapping me in this predatory loan. I applied with my supplemental income to qualify ( the computer approved me with it ), but they wont use it and declined my loan. They are purposely setting me up for failure and default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In accordance with fair credit reporting act XXXX  account XXXX XXXX XXXX. Original creditor Capitol One Bank. Have violated my rights. 

15 USC 1681 section 602 : states that i have the right to privacy.

15 USC section 604 A Section 2 : also states a consumer reporter agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
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: Old information reappears or never goes away

Complaint:
Experian, XXXX, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$0.00}, Paid, closed, 32 late payments This account was closed and charged off years ago. 
It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.

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 2019-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received an email from experience. It stated my credit score could be increased by looking into my monthly payments paid on a regular basis.

I signed in. The program looked at my payment statuses and pretended like it had increased my credit score. Searching my credit score on credit car a, it did not change. 
Without my knowledge or consent my credit card was charged {$21.00}. 
I did not like it but accepted the fact that I got screwed. Then again the next month I was charged {$21.00} again. I did not know why. It turns out that was signed up for some unknown to me program. 
I logged into the acct to cancel as their phone message stated I could do. There is no way of doing so plus they blocked any online chat. 
On the phone the auto response stated they did not have enough information on me to continue any further. 
I see this as a deliberate fraud from the very beginning and believe I deserve my money back and experience does not deserve to be in the credit reporting business. 
Please take action.

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 monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: TX
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:
I have a account with XXXX, this account reflects several inaccuracies that are reporting on my credit files with XXXX XXXX, XXXX, and Equifax. The inaccuracies are highly noticed when reviewing my credit. This reporting is effecting my credit as, it is keeping me from obtaining a better credit status. 

I was contacted by a creditor, who advised me that the account with XXXX. Account # XXXX showed my payment status as current, but showed in the XXXX XXXX XXXX status. With several late payments over 30 days late with all three credit bureaus. I request a update of reporting with all three credit bureaus with XXXX XXXX, XXXX, and Equifax. 

I do not request that this account be removed or deleted, but updated to reflect alone with the payment status of paid current reported on all three credit bureaus with all three credit bureaus. 

List of inaccuracies : XXXX XXXX XXXX Equifax Date Opened : : : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Monthly Payments : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comment Section : No rate information No rate information Auto fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year Payment History : XXXX XXXX XXXX 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX XXXX : 30 day late XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX Equifax 30 day late : XX/XX/XXXX to XX/XX/XXXX -- -- -- -- -- -- XX/XX/XXXX to XX/XX/XXXX This is a breakdown of the inaccuracies that are being reported from all three credit bureaus. I request that these inaccuracies be updated to reflect the true accuracy on my credit files. 
There should be no hesitations, or issues with getting this corrected. I expect that this will be done in the 30 days mandate per Federal Law under the FCRA 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SinceXX/XX/2019 I have been receiving calls from " unknown caller '' I don't normally answer calls from " unknown callers '' because they dont have a number they are calling from, a lot of times in the past they have been a fraud call or something trying to steal money. I have been receiving XXXX calls a day since XX/XX/19 from the Unknown caller, this morning I decided to answer it. I answered with who is this? a female answered and said " is this XXXX XXXX '' I again said who is calling, she would not tell me until i finally said yes this is XXXX XXXX. She told me she was calling from Commenity Bank, for XXXX and XXXX, a credit card I have. I told her she can not be calling me from a blocked number, or an unknown number, that their calls must come from a number I can see and return the call. Her response to that was that its my " XXXX '' showing the number as unknown, I have never had this happen in the past, if someone is calling my phone doesn't know it always shows the number they are calling from without a problem. Please help with this problem, credit card companies should not be allowed to have their numbers show as unknown, they have never left a message or anything with the XXXX calls they have made to me since XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
I have had several phone calls with the credit card company, the last of which was in XX/XX/XXXX. I thought the matter had been resolved. It is a business card from a company I left over two years ago. I alerted the corporation I was working for that my name should be removed from the corporate account ( there were at various times 3 or 4 people who had card ). The business apparently failed to do this and continued to use the card after my departure in XX/XX/XXXX. I was completely unaware of this fraudulent action I explained at length in several phone calls, over many long months that I did not make the charges, authorize any new charges, or ongoing automatic payments. I also did not receive any " material benefit '' from the purchases as would be required by the law. I ended my last call with the company hearing directly from them that " so, you are claiming that the charges were fraudulently made as you had left the company ( incorporated under NJ law ) two years before. I replied, " Yes! '' I have not received any communication from the company since XXXX of this year and I was under the assumption that the case was closed. I have now retained legal counsel to plead my case should the company continue to actively pursue this matter and to protect me from this continued harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is in regards to my XXXX XXXX XXXX XXXX loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and XXXX XXXX to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, XXXX XXXX, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from XXXX XXXX to support my claim.

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 2023-03-19
Company: Experian Information Solutions Inc.
State: TX
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 {$3500.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written permission, consent, or instructions. 

I have sent several certified letters to this company notifying them of a fraudulent account. A contract with my signature has not been provided. A contract with an electronic signature was provided. The bank credited my account for these fraudulent charges. I even submitted documentation that showed that a fraudulent bank account was opened in my name and that thieves were transferring money out of my account. These thieves lived in California. This company failed to do a thorough and complete investigation and disclose documents to me from that investigation.

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 2022-05-20
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a request for proof of contract to substantiate the claim by National Credit XXXX. The collection item from this company was reported in 2018. I request a certified copy of an original contract, with my signature specifically naming the company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. If I can not be provided a copy of my signature on a contract, this debt is unverified and reporting it to ANY XXXX XXXX XXXX is a direct violation of the FDCPA. Continuing collection attempts on this account can and WILL be considered harassment under the FDCPA. I DO NOT have any contractual obligation to pay at this point and no proof of that has been provided. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. THEREFORE, THIS COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: CT
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 Acct # : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
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 was involved in getting a hardship mortgage through bank " Fifth Third ''. Was told while in process, my missed payments would not go to credit report. Was given a hardship option. I closed " selling home '' before needed to use this option. Found that they had reported missed payments to credit bureau, after being told they would not. Company will not let me hear taped conversation 's. Had I been told correct information. I would not have missed payments. As this going on, I had XXXX. Money went to medical bills. Just want bad report off credit. This is my only blemish. Several phone calls involved. Most important on approximately XX/XX/2020. Last spoke with XXXX XXXX XXXX. She said I misunderstood. I asked, what reasonable person would think, she would not answer direct question. Mortgage was paid in full, before XX/XX/2020. Which was last day, I had to make first payment on hardship loan. I was sent letter after last call, saying issue XXXX was opened. XXXX XXXX said issue was not going any farther.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, NAVY FCU - ACCT # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.

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 2022-11-07
Company: ALLY FINANCIAL INC.
State: AR
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 filed a previous complaint with Ally because we sent a cashiers check to payoff our loan. They received it on XX/XX/22. They claim they mailed the check back to the bank, but without a tracking number and now its lost. Who mails a check for almost {$15000.00} without any kind of tracking number? We have been in CONSTANT contact with customer service and the collections department for the last XXXX months trying to get this resolved. We were able to get the check reissued and they received it on XX/XX/22. We kept them updated and let them know that it was on the way. Even though we have done nothing but try to work with them on this, they have been completely unhelpful and uncooperative. Today they reported us to the credit bureau and our credit took a very large hit..

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I needed to file a dispute with a creditor via Transunion, so I called them for assistance. I was told that I have to file a dispute directly on the Transunion website, so the representative helped me establish an account. During the last step of the sign up process I was prompted for my credit card number, and verified with the representative that I wasn't going to be billed for any service. The representative told me that I was only being asked for my credit card information so my address with my bank could be verified with the address I provided them. I finished setting up my account with Transunion online and filed the dispute with the creditor after the representative disconnected, but was billed {$24.00} for setting up my account. 

I've called them several times, and every time I manage to get in touch with a representative they end up saying they're going to transfer me to billing and end up transferring me back to the automated service.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my 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 non-monetary relief
Consumer complaint received 2021-05-20
Company: World Acceptance Corporation
State: TN
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:
World Finance is reporting account # XXXX on my credit report as 119 days past due and also as a charge off. It can't possibly be both. There are also incorrect dates posted, and the balance is XXXX so I'm not sure how they could be reporting it as past due. They are guilty of several violations including, FDCPA 807 false and misleading representation, 809 validation, Fair Debt Credit Act Law 111-203 title X124 Stat 2092, Fcra 15 usc 1681b accuracy of reporting, False Claim Act 31 usc 3729-3733

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I contacted customer service inquiring about my loan and the agent could did not have access to the information I needed to inquire about my account.

Company response to consumer: Closed with explanation