BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: Nelnet, Inc.
State: MN
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:
Nelnet has been reporting inconsistently on my credit report. I have 13 loans with nelnet but 1 account number. Each loan has a different date of being late. I only pay 1 time a month. So it doesnt make since for it to be a different date on each loan showing Im late. Recently nelnet has reversed one of the late payments on the loan and kept all the rest of the loans late. They have the same account number and I pay 1 time a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Franklin Collection Service, Inc.
State: LA
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 convergent account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have a right to privacy. 

15 USC 1681 Sec 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 166B : 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 2023-08-27
Company: Experian Information Solutions Inc.
State: NY
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:
n 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. 

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 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 2023-08-16
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX XXXX from US Auto Sales, in XXXX of XXXX. The car had a manufacturers recall on the engine, in which myself and my Husband received the notice for in the mail. In XXXX of XXXX unfortunately US Auto went out of business, and my car was taken in to my local Kia dealership for the recall work needed. Its actually a fire hazard issue. None the less, upon my car having to sit in the line of cars at Kia for over two months to get started on, the service Manager informed me that the recall work wouldnt be covered, because in XXXX US Auto didnt get the recall work done then. So XXXX  refuses to do it. The cost would be thousands of dollars. Had US Auto still been in business, I would have gone to their dealership and they would have had to put me in another car, or FIX the issue!!! I literally have payed on this car since XXXX. I experienced them turning my car off on me when I was out of town and stranded on the last for a day late payment after communicating with them. XXXX XXXX XXXX has taken over their accounts, but are of no help. My car is still sitting at the XXXX  dealership since it cant be fixed. I requested a voluntary repo and they havent gotten the car yet! I am at a cross roads and need help knowing what my next move should be. I am willing to speak to whoever about this and provide whatever documentation needed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with Commenity Capital Bank in XXXX, 2021. I forward my payments every month, but they have been posting the payments to the wrong account. I have made five payments ; they have posted three of them to the wrong account. They then call me repeatedly asking for the payment. I have sent numerous letters to them in response, but they are still posting the payments to the wrong account. This account was set up to be paid in 24 months, and as long as all of my payments are received in time, the bank can not charge interest or late fees. I am in jeopardy of being charged interest and late fees because the bank continues to post the payments to the wrong account. Also, I am being harassed by their employees calling demanding payment, which I have sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I wrote someone via XXXX about a iphone unlock issue and they stated they will do it for {$100.00} I confirm several times in message are you sure {$100.00} will fix the whole issue they advice me yes it will. On XX/XX/2021 he send me his e-mail and stated send the payment via paypal so I went ahead and did that. He message me saying everything is good and is working on it. 4 hours after receiving my payment he said he can not do it because he need {$200.00} more the main price was {$100.00} so why all the sudden after you receive my payment now you telling me you need more I have multiple screenshots of our conversations where {$100.00} was the price THIS IS FRAUD HE JUST WANTED MY MONEY AND MORE MONEY THIS WAS MADE ON PAYPAY Transaction ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To Whom It May Concern : I am XXXX XXXX, a Citi Premier card holder. 

On XX/XX/XXXX, a fraudulent charge appeared on my credit card account ending in XXXX, appearing as " XXXX XXXX XXXX XXXX CA XXXX with an amount of {$210.00}. I called both the general customer service and the fraud department immediately, XXXX phone calls. Both people confirmed with me that my account has been blocked. However because my account is brand new they can not verify my information online so they would mail me a letter and I can only dispute the charge after I receive the letter and follow the instructions written on it. 

The next day I went to a XXXX and called the fraud department from there. I was told that my accounthas been blocked so I could rest assured for now. 
However, today when I checked my online banking I saw a new fraudulent chargeAPPEAR on my account. It was on XX/XX/XXXX, after I made the first XXXX phone calls and was told that my card was blocked already, in the name " XXXX XXXX XXXXXXXX CA '' with an amount of {$110.00}. I immediately made a phone call to the dispute center and the person who picked up the phone only told me to wait and refused to offer me any further information. 

I don't know how the scammer could still use my card when it has been blocked. Has it really been blocked? I feel disrespectful and very very anxious. A proper explanation is badly needed. Moreover, I need to submit disputes to both charges now and get reimbursed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-24
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have requested the *original* amortization schedules that were supposed to be provided to me at time of disbursement, either initial or final. Navient is refusing to provide these documents, which I suspect is on purpose due to the fact it will show their fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company has been charging late fees for over a year on on mistake their computer made. I have my account setup on automatic payments for the minimum amount due. Their system failed so do so and they were charging {$85.00} so because the {$85.00} was never made they were charging {$40.00} a month late fees. I called the company to fix the {$85.00} problem but then I was asking about the mattress fees they said they could give me back my late fees. I said was the error was on your side not mine so why am I getting charged for your error. The said they could not help me. So I'm reaching out to you for assistance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Exeter Finance Corp.
State: GA
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:
I had a car accident XX/XX/XXXX in XX/XX/XXXX I get a phone call about the {$1000.00} I owed. I explained to XXXX  that I had been hit by a dump truck and didn't have {$1000.00} that day but I can make payments and give them {$300.00} today and would have to make payments for the remainder balance. XXXX  then asked me do I have {$600.00} and the would waive the remainder balance I said I really don't have it but to pay this off in full so when I'm able to drive again and get another vehicle so I paid {$600.00} because she said when I call back it would be higher. She said when they send you the documents sign it or it won't go through. So I did in good Faith. On XX/XX/XXXX they sent a settlement in full me not knowing the verbiage and not reading the letter I said thank you and moved on I thought it was paid in full as I was told on the call. XX/XX/XXXX my score dropped I emailed asking why no response XX/XX/XXXX my score dropped XXXX XXXX I always paid on time and it took a long time to get my score up I called them and they basically told me that I signed an agreement knowing it would be closed not paid in full I said no that's not what I was told. {$400.00} I could make payments until it was done they manipulated me and also received {$13000.00} from my insurance company beyond greedy and selfish it was just wrong, I will pay the {$400.00} for them to reverse this I built my credit up and can't even buy a home now I'm hurt because I trusted her and she knew exactly what she was doing I even asked about my credit and she just bold faced lied. I wish it was more I can do please help me if possible? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX5 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in refinancing my 1st loan and 2nd mortgage company ( Ditech my loan # is XXXX ) is not cooperating. 
We have requested letter of subordination in month of XX/XX/2019 and they were not cooperating we waited for the month of XXXX with no results. So I paid off the loan on XX/XX/2019. I requested paid off letter from Ditech, they said me on XX/XX/XXXX I will have it in 7 to 10 business  days. I did not received a letter, so I called on end of the XXXX business days they said letter was not generated, it will generate in next 24 to 48 hours and we will email me one copy and hard copy will arrive in mail by XXXX But if they have not generated the letter how I am going to received it by XXXX XX/XX/2019? 
Because they are not cooperating I have to pay more interest ( {$1200.00} per month ) for two months and end is not in site. I have to pay another {$1200.00} in interest for next month. 
Please do some something and expedite the process. 
Thank you. 
XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: CITIBANK, N.A.
State: VA
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:
XXXX XXXX of XXXX XXXX is working on behalf of the family ( widow ) of XXXX XXXX XXXX. XXXX XXXX is deceased. Citibank holds a judgment against the client 's property. 

Citibank was provided all requested documentation and submitted by fax to their probate department on XX/XX/XXXX. Told at that time that it could take 4-6 weeks, but was told to check in after 7 business days and that we can expedite. We have called each business day since then, asking for a manager/supervisor, only to be told they are severely back-logged and nothing can be done to expedite. 

Meanwhile the purchaser of the property is threatening to walk away unless their mortgage-rate-lock extension is paid for, for a month, which is an additional {$4000.00} because Citibank needs 4-6 weeks to process a full payoff statement. 

We went through the same process with XXXX on the same day. Received the payoff statement in 48 hours.

It is unconscionable that it takes 4-6 weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are 4 accounts on my credit report that do not belong to me they are not mine I have not approved or signed for these. I have tried to reach out to the bureaus but they will not help me out. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: SinglePoint GI
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent General Revenue Corporation a request validation of alleged debt they reported on my credit report on XX/XX/2021 tracking shows they received my request on XX/XX/2021 it is now XX/XX/2021 30 days after them receiving my request and I have not received a reply from General Revenue Corporation validating this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation