BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had 3 accounts open with chase bank, 2 savings and 1 checking account. I had no idea my account was restricted/closed until I tried to use my debit card to purchase my XXXX When I called, I was told that all 3 of my accounts had been closed permanently and I could go into a branch to withdraw my funds. I went to the bank in person and they told me I couldnt actually do that I have to wait until the account is completely closed before I can do that. So now the money in my accounts are completely frozen, I cant access my own paycheck to pay bills or purchase the medication I need as a XXXX When I asked for a reason why my accounts had been closed and restricted, they wouldnt tell me why just that they would be closed permanently when Ive never had any problems with this bank Ive had this accounts for almost 3 years. So not only is it totally cruel to not even tell someone their account is closing ( I didnt receive a formal notice until a week later via mail ) and I had to find out while swiping my card but it is completely unacceptable to not even give a reason why. My money is frozen there while I wait for them to send me a check that has not been sent and no one can tell me for sure why it was closed or when I will receive access to my phone so I cant get my medication. Its so terribly cruel and unfair I cant believe I ever banked with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is pertaining to a debt that is not mine for the company XXXX XXXX for the amount of {$40.00}, they sent it to the Credit Management L.P. collections agency and the agency is now reporting I owe them a total of {$70.00} for the original amount plus fees. The start of the story : XX/XX/2023 : I called XXXX XXXX multiple times in XX/XX/2023 as we were moving to another state. I called before we moved out and AFTER we moved out to confirm our bill was settled. We moved out of WI in XX/XX/2023. I wanted to make sure our account balance was paid in full after we moved out. I was told by XXXX XXXX on the phone not only was it paid in full but, they had closed my account since it was paid in full and we had moved and were no longer customers. Then I got an email saying we had a balance ( after I had called and was told it was a zero balance and the account was closed ). I tried to log in online but, my login info didn't work since they had already closed out our account. I called XXXX XXXX later again in XXXX, and again, the person on the phone told me we had paid in full and the account was closed. I never received a zero balance confirmation after paying in full at the end of our lease term. They closed our account so I could no longer go into the online account to print off a zero balance. The company never called me. Next, they sent a bill to collections. They never called me about this. If there is a new bill for the address where we lived it should go to the landlord. I called the collections company Credit Management L.P. to dispute the charges. They had me fill out an online form. I never heard back from anyone and I am very concerned as these are not our charges.

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 2023-10-16
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan was transferred to Nelnet recently so along with the atrocious onboarding or transfer... meaning I couldn't get any info of when or how. My loan finally transferred and missed my first payment because I coudl n't get a hold of someone. I'm now in my second month of repayment and need a few easy things updated... .my address and payment date and have now called a total of five times to do this simple task. I can't talk to anyone about my loan because they don't have enough agents to handle the influx of calls they are receiving during this transfer period. I cant wait on hold for 45 minutes to possibly talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: World Acceptance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
It came up on my credit report that I got a car loan for XXXX XXXX a month 45 months to pay and I do not have this car it was purchased XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Kingston Data & Credit International Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in regards to the original complaint XXXX RE : Attempts to collect debt not owed to XXXX XXXX and XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX and XXXX XXXX XXXX claims to collect debt not owed and have damaged the consumer 's good XXXXredit score. This company 's collection practice is illegal in California and they need to be investigated for collecting debt that never existed to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX dated XX/XX/23 indicates XXXX, XXXX received your XXXX XXXX XXXX ( XXXX ) plan application from XXXX. 

I see the account is past dues. How can it take more than XXXX business days to process a application so my account would not be past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One advertises two complimentary lounge visits per year as a benefit of the Capital One Venture Rewards card. However, nowhere on the website there is an explanation of how to actually use this benefit. 
I called Capital One on XX/XX/2023 and was told that, in order to use this benefit, I should use the Capital One Venture card to pay for admission to one of the partner lounges listed on the website, and I would then get a statement credit. 
On XX/XX/2023 I visited the XXXX XXXX at XXXX XXXX at XXXX airport ( XXXX  ), which is listed on the partner lounge list. I paid with the Capital One card ( they would not let me in otherwise ) and was charged {$53.00}. 
I just received my card statement dated XX/XX/2023 and there is no statement credit. I called Capital One on XX/XX/2023 at XXXX XXXX  and spoke with three different people, including a " supervisor '' and a " benefit specialist ''. All sounded completely unfamiliar with this benefit, and kept insisting that I was not entitled to a credit because I don't have a Venture X card. I repeatedly directed them to the Capital One website, where things are clearly spelled out ( the XXXX XXXX XXXX page clearly states : Eligible Venture X cardholders get unlimited complimentary access for you and two guests, while eligible Venture & Spark Miles cardholders enjoy two complimentary visits per year - see screenshot ), to no avail. Overall I was on the phone for 51 minutes for nothing, because they refused to refund me. 
Capital One failed to provide a promised benefit, which is not surprising since the company is deliberately vague about how to use it. 
Moreover, forcing customers to nearly hour-long phone calls in order to receive a promised benefit is a major deterrent to utilizing those benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Nelnet is charging daily interest on my loan after I applied for XXXX plan and was approved back in XXXX. Currently has me on standard repayment and has failed to process my XXXX application in a timely manner. Keeps putting me on administrative forbearance and applying interest to my loan. Two hour hold times to speak to customer service. This should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 ( 5 ). The creditor by law is to report complete and accurate information to each credit reporting agency 15 USC 1681. Also states this law Transunion, XXXX, and XXXX has failed to abide by this law. I have disputed this account multiple times about the inaccuracy on the credit report and nothing has been done. I have called multiple times about this account and nothing has been done. I am demanding deletion of this account due to the inaccuracy on the credit report, as well as the laws that were violated.The creditor names are XXXX XXXX, and XXXX both accounts show and incomplete and in accurate information the balances payment history contract terms account status original creditor information is not shown are not complete and accurate across-the-board with all three credit reporting agencies which is in violation of 15 USC 1681 complete and accuracy

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX Reporting inaccurate on TransUnion and XXXX please remove XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXX XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXXXXXX XXXX reporting inaccurate on XXXX and XXXX please remove As well there is an address on my file that does not exist with me please remove these inaccurate address off my file thats attached to the inaccurate account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
I recently sent a dispute on XX/XX/XXXX for a charge off / collection account from XXXX showing on my credit report & an additional XXXX account with 1 30 day late payment reporting. 

As a result of this dispute, 2 positive lines that were not disputed has been removed. Was my investigation properly done? 
I am showing all accounts from XXXX have the same account number, but different histories. 

The accounts that were deleted and not disputed by me were a {$1000.00} unsecured loan opened XX/XX/XXXX, & another {$1200.00} unsecured loan opened XX/XX/XXXX. 
The actual accounts disputed were a {$1200.00} unsecured loan opened XX/XX/XXXX & {$500.00} account ( they arent even reporting what type of account, ) opened XX/XX/XXXX. 
All of these accounts share the account number XXXX. It is clear the the investigation done by the CRAs and XXXX was not done properly. 

How can something like this happen? I directly disputed negative information I believe is inaccurate, and my positive lines were deleted as a result. These positive lines were accounts that were not even included in my dispute letter. This investigation was clearly not done properly. 

In addition, I am showing said negative accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau despite my previous attempt on XX/XX/XXXX to verify. 

This is this a MAJOR violation in reporting according to the FCRA and consumer rights of accurate reporting to my credit report. 
As a result of the negligence of your investigation not being done properly & the proper attempt I have made to ensure my information is being accurately reported, please delete these inaccurate negative accounts immediately as you have violated my rights & the Fair Credit Reporting Act.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In approximately XXXX XXXX XXXX XXXX XXXXXXXX. I, ( XXXX XXXX ) started making the mortgage payments on this home located at XXXX XXXX XXXX. At that time, the mortgage company was Principal Residential Mortgage out of XXXX XXXX Iowa. The loan was in XXXX XXXX XXXX 's name. I had been granted permission by him in writing to communicate on his behalf regarding this loan. This loan has been serviced by many mortgage companys over the last twenty four ( 24 ) years. XXXX, XXXX, XXXX XXXX and now Newrez. I have kept these mortgage payments paid and insurance secured for this home ( in good standing ) for all of these years. The insurance was with American family for years and I changed insurance Companys a few years ago to XXXX. The insurance premiums has been paid through escrow. I received a letter from my insurance company XXXX stating that the premium had not been paid by Nerez Mortgage Company out of escrow and is going to lapse. Which by the way, I, XXXX XXXX have not missed any mortgage payments and was completely in good standing. I called Newrez to inquire about why they had not paid the insurance premium. They refused to talk to me and said i did not have authority to speak about this Loan number XXXX. In the mean time, Nerez sent a notice dated XX/XX/XXXX stating that they have not received proof of hazard insurance ( absolutely not true ) for this property and it has become necessary to place lender-placed insurance coverage on this property. The mortgage payment has been {$1100.00}. Now, our XXXX statement comes in the mail and they ( newrez ) is stating that our amount due for this month is {$2300.00}. This is a very serious issue and needs to be addressed. I have spent hours on the phone talking with different representatives at nerez mortgage company over the last few months. On numerous occasions the representatives told me that they would have a supervisor call me to get this resolved. This has not happened. The latest calls from me ( XXXX XXXX ) to nerez. i spoke with XXXX, XXXX, and others. They told me that all I need to do is e-mail confirmation of XXXX XXXX giving me permission to communicate regarding this loan and some one would be in contact with me within XXXX hours. I have sent multiply e-mails to different e-mail addresses starting XX/XX/XXXX th XXXX and still, I have not received any correspondence regarding this issue. Please help me!!!! Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: SC
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:
Dear Sir/Madam, I am writing to dispute the accuracy of inquiries listed on my credit report. Specifically, I am disputing the following inquiries : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize any of the above inquiries and was not made aware of them prior to them being listed on my credit report. I believe that these inquiries were made without my consent, and their presence on my credit report is inaccurate and unjustified.

Company response to consumer: Closed with explanation