BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: CBC Companies, 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: Information is missing that should be on the report

Complaint:
Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements XXXX Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
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 status incorrect

Complaint:
I have a paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I do not owe. See the attached copy of the receipt as account being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 wrote the following letter to XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from XXXX that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from XXXX. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Nelnet, Inc.
State: VA
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:
I have Nelnet as my student loan servicer. 

I have attended many school as this is needed to stay current in the IT profession. 
I have attended an still owe loans to : XXXX XXXX XXXX, XXXX XXXX XXXX Each one of these loans was taken out as a fixed rated loan. However, I have almost accrued more interest on the loans than the initial loan amounts. This is, I have been told because the loans are not fixed rate but Variable rate loans -- which I never agreed to. 

If there any way to erase these unfair interest fees? I have XXXX XXXX ( but work ) and a Veteran. I often get sick and have been in the hospital or out of work over the years due to my illness. 

Currently the Nelnet people, keep deferring my loan-which increases the interest. 
How can I reduce the interest rates and the loan amount? They say I own XXXX ( without interest it would be XXXX ). I can not begin to afford this amt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I am in concern with discover XXXX they have been taking money from unknown accounts of my relatives to my parents to put it in their accounts when I had paid them fraudulent charges along with debit owed. Ex ; XXXX had used the card ending XXXX and widthrew about 5k from my account caused XXXX  and XXXX XXXX XXXX to seize my accounts and now still charged my accounts when the debits are cleared and this is the last time I am ever going to conduct bussiness with them because they had added state of California account to my account and had made payments when my account is at freeze mood. I wanted to know what kind of collection is that and then they send employees and people by paying them who are living as of now in XXXX and XXXX XXXX   who has interests in it and want me to not pursue it because a lot bunch of filthy secrets will be unveiled. I leave this to CFPB to assist or not but following is my demands and need to be met in 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: TCF NATIONAL BANK
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle was purchased on XX/XX/XXXX. On XX/XX/XXXX i received a call in regards to the late payment and after discussion with the agent, I decided to voluntarily surrender the car. I was given instruction on what steps to follow to do so. On XX/XX/XXXX, I forwarded the email as instructed to the loan representative. I continued to receive harassing phone calls and email from XXXX XXXX. On XX/XX/XXXX, i was informed I could not send a typed email and the request would need to written, in which I then wrote and attached a letter asking that the vehicle be picked up. I continued to receive harassing phone calls and emails during the month of XX/XX/XXXX into XX/XX/XXXX. The vehicle was picked up on XX/XX/XXXX. On XX/XX/XXXX, I received a certified letter stating the car was picked up due to the agreement being broken and it would be sold withing 21 days in which I would receive a letter regarding the balance. This has not happened. I filed a complaint with XXXX on XX/XX/XXXX in which the XXXX XXXX acknowledges it was a XXXX  and that the credit agencies have not been notified, but as of XX/XX/XXXX, the credit bureaus still was not notified of the XXXX  and the account currently reflects 180 days late. I also have not received any notification regarding the sell of the vehicle and corrected balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Last reported XX/XX/2021 {$390.00} Open balance XXXX XXXX XXXX Original creditor

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 2019-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX 2018, two transactions from XXXX ( {$39.00} ) and XXXX ( XXXX ) were done in error and disputed by me with USAA. A provisional credit was issued and I thought they would investigate to resolve the issue fully. Shortly after, they reversed the credits claiming they needed more information. I provided this information from XXXX and XXXX to no avail. This was the first time I was told that documents were not received through their app portal. Eventually, XXXX reversed the charge, but I'm still waiting on the XXXX transaction, although XXXX sent me an email stating to dispute it with my bank, which I also submitted to USAA. 

In XX/XX/XXXX 2018, funds were debited from my checking account in the amount of {$200.00} for XXXX XXXX. I did not notice this until the following month. Knowing I no longer had an account with XXXX since XX/XX/XXXX2018 and the balance of {$70.00} ( +/- ) was paid off in XX/XX/XXXX 2018, I knew I did not owe them {$200.00}. I contacted USAA once again to resolve this issue after XXXX told me to contact my bank. I was offered the provisional credit only to have them say they need more information. I provided this information by way of XXXX and also did a conference call with XXXX XXXX USAA, which also was rendered fruitless, as USAA did not acknowledge the information provided by XXXX. USAA decided to reverse the provisional credit on XX/XX/XXXX and also charged me {$29.00} for a NSF. Days later, I noticed another {$60.00} charge from XXXX but have not bothered to dispute it because of previous actions from USAA. 

In total, USAA has taken {$320.00} from my account without my consent and has yet to resolve this issue fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
After a year of perfect, on-time payments of the loan that was approved by the Lending Club literally in 10 min ( inXX/XX/2018 ), I applied for another loan to refinance the current loan. Since Lending Club does not offer to refinance, I had to apply for the 2nd loan. 
I applied and went through weeks of endless phone calls, submissions of various documents, which they kept requesting after each submission and NEVER, EVER requested the first time. 

To my complete shock, I GOT DENIED! With the credit score 120 points higher than when I applied for the previous loan, with the perfect 100 % record of paying on time, with the income higher than the previous year, basically, every score higher than it was when I applied the first time in XX/XX/2018, and I got denied, because these predators at the Lending Club don't want to lose their highway robbery interest of 22.75 % they are charging me on the current loan. 

The refinance interest would be 13 %, high, but not as insane as 22.75, but they said the amount I wanted to borrow was too high relative to my earnings, while they gave me a lot more with the income a lot less within 10 minutes back in XX/XX/2018. 

They want me locked into 5 years of the financial slavery where I would be paying more than {$15000.00} in interest instead of 3 yrs 1/3 of the previous amount in interest.

With the refinance I would be paying a basically similar monthly amount, which I was paying until today, and they had absolutely NO problems with me making these payments. They had NO problem whatsoever loaning me much higher amount the first time. 

These are extremely predatory practices that they need to be investigated for!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Ameritech Financial
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told about an Ameritech Financial flyer from a relative ; who believed it was a legit company to help with paying off Federal student loans. 
When I called the company, they sounded responsible and came off as if they knew what they were talking about. I found it weird that with the high student loan amount that I have ; at the time it was about XXXX or so, they said I would only have to pay XXXX total in the end after they calculated everything. The phone call took about 2 hrs to complete the process. 
The result was, I had to make 9 payments of {$200.00} dollars and then it would go down to {$99.00} afterwards. I looked on the XXXX website and I've seen that no payments were made to XXXX at all. I was still getting phone calls from XXXX the whole time I was dealing with Ameritech Financial. I called to cancel my account with them after about a year and a half and they did not cancel my account. I ended up switching bank accounts which resulted in them not being able to receive anymore money from me. I would greatly like to receive all the money I paid to them while thinking I was finally able to pay off my student loans.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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:
I have XXXX accounts that are in my name however these accounts are not mine I did not apply for these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Upon my review with the Secretary of State my findings are that XXXX XXXX XXXX XXXX and XXXX XXXX  are NOT licensed, nor bonded to collect a debt in the state of Michigan so therefore no debt is owed, nor have they shown validation to this debt. I would respectively appreciate deletion of said items. There was another company reporting falsely on my Credit Report named XXXX hopefully they removed from all three reporting bureaus as indicated in letter sending, someone upon billing selected the wrong XXXX XXXX none of my children require pediatric care my baby is XXXX years old. Also I paid three collections off reporting by XXXX XXXX XXXX XXXX XXXX these were small hospital bills that were in violation of my HIPAA Law I want the derogatory reporting removed. As well I have sent several letters to XXXX XXXX asking that their false reporting of late payments be removed, I was late thirty days, not 60 upon their realizing their mistake the employee filed a dispute by his own accord trying to right the matter, however the report still shows inaccuracies. As well my report reflect inquireies that were not authorized, please remove all except those ( belonging to me ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are mine, I have been disputing causing my score to plummet trying to get items addressed and removed, with no respect to my plea, my frustration or my time. Credit is a respected privilege wisdom is the best teacher. Frustrated consumer, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Equifax, and XXXX refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from XXXX, Equifax, and XXXX to have them remove the account due to inaccuracy. All three agencies ( Equifax, XXXX, and XXXX  ) stated that they verified the  information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my Equifax, XXXX, and XXXX  credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX  / XXXX XXXX XXXX to settle the debt XXXX ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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 Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NC XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, AK XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}, XXXX XXXX XXXX {$190.00}, XXXX XXXX  XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
portfolio recovery account # XXXX this company has been harassing me by reopening old account that were closed and charged off from my divorce they continue to call and harass me with mail and threats and phone calls to me I have never owed them nor do I have any interest in them this account and others have been reintroduced to my credit report over and over again because of harassment they don't report any payments and said they are not liable to do so either I would like to have my credit back as my records are clean except for there continued harassment I have written to them and other credit bureau and have had no results please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: IL
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 have tried multiple times to fix an inaccurate account on my report with experian. XXXX credit shows an installment loan for $ XXXX which I never agreed to- did not buy anything for that amount. I have asked several times for Experian and XXXX to provide the contract showing my signature engaging in a contractual agreement for any product or service in the amount shown on my report. Its been over a year and they have not produced any such paperwork just keep saying its verified. I am requesting they either provide the contract showing my signature or delete the account from my report per 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 2020-07-12
Company: Experian Information Solutions Inc.
State: AP
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:
Experian is allowing one of its customers to make fraudulent reports on an account that is closed. They continue to violate my rights and FCRA. 

Experian parrots what their clients states and does not do their own investigation. 

Ive asked both Experian and their client to please provide me any document showing Ive opened or reopened this account since its been closed in XXXX. 

Account is reported closed paid in full one month then open with a different ( raised amount ). With no documentation of this being linked to my authorization.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX 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 : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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