BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I moved from XXXX  to XXXX  after I graduated college, Nelnet did not have my updated email or address & I was unaware that my loans were due during the period that they have placed against my credit. From XXXX XXXX XX/XX/2019 they reported me past due on all 5 of the loans each month. This has severely hampered my credit. My parents signed me up for these loans and I was not fully aware of them, I did not know they were through Nelnet & was not notified since they never had my proper email or address. I hope that you guys can help me out and remove this from my credit score, or at least bundle all 5 loans into one so it doesnt hurt me as bad. It is hard enough having about {$90000.00} of student debt, but my life has been miserable due to this honest mistake. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The last statement I was able to download from Comenity BankXXXX XXXX XXXX website was dated XX/XX/2022- it was a lot of time and trouble to get this statement. According to a letter I received, the store, XXXX XXXX, and Comenity Bank are no longer working together and it appears that certain functions on their website have been frozen- for example, I can not access my statement online. 

I have tried for several weeks to access my statements online for XXXX and XX/XX/2022 and they are NOT available to me. I have requested the statements by phone from Comenity BankXXXX XXXX and have not received them. I called twice today and spoke to two different Comenity Bank employees, XXXX and XXXX. Neither of them would answer my questions and both disconnected me during the calls. One call was 5 minutes long and the second was 15 minutes long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PDQ Services , Inc. issued a letter dated XXXX XXXX XXXX  ( copy attached ) regarding Account # XXXX, the claimed amount is highly likely to be a mistake by XXXX located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA, XXXX due to the following reasons : 1- I have successfully conducted a move-out inspection with XXXX XXXX representative for the XXXX location at XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. Therefore, repair and cleaning items indicated in XXXX invoice attached in your above-referenced letter are incorrect. Please find attached copy of move-out inspection report filled by XXXX management . 2- XXXX have never sent me any amounts due for payments. The invoice attached to your letter was never sent to me before. Please provide any available evidence that this invoice was delivered to me before reporting the claimed amount. Accordingly, I was not able to contact XXXX management within 30 days of receiving their letter to discuss that I dont agree with the payments and/or make satisfactory payment arrangements prior to mistakenly reporting the claimed amount as a debt due for collection. In addition, XXXX payment portal XXXX Assistant shows a XXXXbalance on me. Please find attached a recent screenshot from XXXX Assistant. 3- XXXX invoice attached to your letter indicates some lease termination penalty and fees which are not legitimate per the contract between me and XXXX XXXX Please find attached a copy of the executed lease agreement. 4- Notwithstanding the above evidence that there are no payments due to XXXX XXXX XXXX has prorated the rent value of the month of XX/XX/2020 ( the last month for me to be a resident of XXXX ). Which is another proof that there should not be any contractual penalties on me. Please see attached screenshot from XXXX payment portal indicated that the prorated rent for the month of XX/XX/2020 has been fully paid. 5- I have obtained the attached written correspondence from the current management of XXXX which again clearly shows that I do not owe XXXX any monies. Given the above detailed and accurate facts, I requested PDQ Services Inc. to urgently remove the debt collection and remedy my credit report due to incorrect reporting of the claimed amount.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We have no idea what debt they are trying to collect since we do not have any employees dated XX/XX/2020 for {$8700.00} and then a different amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had a missed call from Prince Parker and Associates. I called them back twice and finally got someone on the phone. The told me who she was and what they were collecting. She went on asking me if I had XXXX on " such and such date and started asking me about insurance information ''. I then told her that I applied for financial assistance with the original creditor and that I had not heard from them. The lady then told me that the original creditor denied my financial assistance. WHICH WAS A LIE but the original creditor never GOT MY financial assistance application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XX/XX/XXXXXXXX

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 2023-05-29
Company: CITIBANK, N.A.
State: NJ
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 this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b s creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-08-30
Company: VW Credit
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have this account that is not mine and i want it to be removed. 

XXXX  1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft VW CREDIT INC Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft VW CREDIT Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: OneMain Finance Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
False advertisement of loan, was approved for an unsecured loan of {$10000.00} and later was switched to a secured loan after pulling my credit and dropping my score. Was called at all hours of the day and night including as early as XXXX and the company used very misleading, misguiding and aggressive sales tactics. After informing a representative of OneMain Financial at the XXXX XXXX, MN location, I was not interested in the loan, I was called broke, was told I have bad credit and I do not own a vehicle because it doesnt show up on my credit report. A vehicle that was never financed or lease does not show up on a credit report. Also, They pulled a XXXX score of nearly XXXX and I sent income verification of making {$250000.00} a year. After declining the loan and being called inappropriate, unprofessional terms, the representative of the company laughed at me and hung up on me mid-sentence. Then proceeded to call my place of employment and hang up when someone would answer, they did this numerous amounts of times and would not answer the phone when calling back. This company is unprofessional, rude and is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My Capital One Bank Menards Big Card Credit Card # : XXXX is lost/stolen and the {$6900.00} in transactions are all fraudulent charges and transactions. The charges are not my charges. They are all fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Citi Card is trying to collect a debt, for supposedly {$7500.00}. Yet, I just found out this evening that they put a judgement against me for {$10000.00}. My father actually found out and told me. They never notified me of this and they NEVER SERVED me with this. This is in violation of debt collecting. We are also in a pandemic.

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 2022-03-10
Company: BOEING EMPLOYEES CREDIT UNION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
received an email this morning stating I opened an account with BECU. I called them and they couldn't give me any information because the information they used doesn't completely match mine. They won't even tell me if they are closing the account because the information used to create it doesn't match my REAL information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm refuting your decision to deny my identity theft claim. What makes you qualified to determine if I've been a victim or not? You lack any authority or legal standing to assert such a judgment. If you persist in rejecting my claim, I will engage my attorney to pursue a legal solution. Please ensure that my identity theft report is handled in strict accordance with the law. I am submitting an official law enforcement agency report filed with a federal organization. Let 's work towards resolving this matter within the mandated five-day timeframe. Following the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report is filed with a law enforcement agency ( which includes the FTC itself ), the standard procedure is to follow the law and conduct a thorough investigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance with Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

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

15 USC 1692 C ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

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 2020-10-13
Company: Frost-Arnett Company
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I receive a blank envelope in the mail with no information other than my name, address, and sender address.

The issue arises when looking at the visible paper through the plastic of the envelope : the paper used to print was thinking enough you could easily read what was on the other side, albiet backwards.

This revealed information regarding the company sending the letter, listed " payment options '', and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2022-11-15
Company: Experian Information Solutions Inc.
State: MI
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:
there is 4 bankruptcies reported on my credit report within 1 year span, This information is incorrect. Bankruptcy courts do not report filing with credit agencies And it is impossible for anyone to file 4 bankruptcies in 1 year. I have disputed and they have never verified where they get their information. I have been disputing this since 2018 XXXX removed it but XXXX and experian has not

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 2018-10-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing has threatened to foreclose on my home. I can not get anyone to give me a straight answer. I sent in a QWR months ago that they did not respond to. They sent a notice of default in XXXX 2017 but have not foreclosed yet but threaten and send bills and call constantly. I asked for a breakdown of all the late fees they are charging me ( {$30000.00} payments and late fees ) but will not send me a breakdown as to how they came about this number. What can I do? Please help. This company is impossible to deal with. I am trying to obtain an attorney.

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: Experian Information Solutions Inc.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Sir/Madam, I am writing to file a complaint against Experian, one of the three major credit bureaus. I recently noticed a significant drop in my credit score as reported by Experian. An alert regarding a derogatory remark was triggered, however, despite a thorough review of my credit report, I am unable to identify any late payment or other negative factors that would justify such a drop. Furthermore, I haven't found any information that would substantiate this derogatory remark. I believe there is a discrepancy between my credit report and the score provided by Experian.

Despite multiple attempts to clarify and rectify this issue directly with Experian, I have not been able to obtain a satisfactory resolution. The situation is particularly concerning as it adversely impacts my creditworthiness and potentially affects my financial future. I understand under the Fair Credit Reporting Act, I have the right to dispute inaccurate information and Experian is obligated to investigate the items in question. I believe Experian has not fulfilled their obligations in this regard. I kindly request the intervention of the Consumer Financial Protection Bureau to aid in resolving this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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:
I viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact Equifax about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX Auto XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct  information please investigate this thank you.

Company response to consumer: Closed with explanation