BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: MOHELA
State: GA
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 these creditors have violated my rights. XXXX XXXX XXXXXXXX XXXX account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX  account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX  account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) MOHELA/DEPT OF ED, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions. 15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report. Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2018-02-07
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/2006 I got a private loan from XXXX XXXX XXXX XXXXXXXX. I was making payments for a period of time but the payments were over {$400.00} and the agency refused to take smaller payments my aunt who is a co-signer on the loan paid {$8000.00} she had originally agreed to pay {$16000.00} to settle the account but when time came for her to pay them they refused. The lump sum was out of her retirement fund The loan amount was for about {$22000.00} now I have been sued for this account over ten years later I do not know what options I have left I have seen similar lawsuits against this same company I feel this company has treated me unethically and should be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Bank Of America " we've made the decision to close your credit card '' because of a returned payment and utilization of my credit is high. Conditional XXXX of your claim. This is an attempt to validate a debt against Bank of America. This response is not a refusal to pay, this response is my conditional acceptance to Bank of America on the conditions being met as required by XXXX. Intentional Misrepresentation and Breach of Contract. Please provide a true bill of XXXX or reopen ALL my credit card accounts within 24 hours. Reopen my credit card account and increase my credit limit for each credit card.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2019-07-25
Company: EQUIFAX, INC.
State: MD
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 stated I opened an account with them on XXXX, 2017. I never opened an account with XXXX XXXX on XXXX, 2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft, and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove and investigate this account, and they have refused to do so. Im not sure why Equifax is allowing a company to report fraudulent accounts to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: CA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-13
Company: EQUIFAX, INC.
State: CA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report on XX/XX/2021 I discovered and inaccuracy from LVNV funding llc, in the amount of {$1300.00}. I contacted LVNV funding llc about the inaccuracy. I have no knowledge of such account and to remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Company has let my credit information to be accessed by unknown entities and now has placed my private information in potetial hazard. Company also sold stocks to protect value of company which is a insider traiding scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: NC
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:
I am trying to pay off my loans, but the Nelnet website will not let me, and as a federal loan servicer it is unacceptable. My loans also changed from being in deferment into 2024 to accruing interested and requiring payments this month and I did not receive any communication before this happened. 

I keep getting the following message when I try to make any payments : " Sorry, there's been a problem. 
The issue has been logged and reported to our technical team. 

What you can do first : Refresh your browser and try again. 
Log out of your account and log back in again.

If that doesn't fix your issue : Return to Nelnet.com and try to log in again. 

We apologize for the inconvenience and thank you for your patience. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the date opened and payment status, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX Acct # XXXX Date opened inaccurate. 
Payment status inaccurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

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 2023-12-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
My loan is with Credit Acceptance for auto loan. My car is XXXX XXXX XXXX XXXX which I purchased in XX/XX/XXXX. My monthly payments is XXXX each month. The total cost is Initial Balance as of XX/XX/XXXX : {$31000.00} Remaining Balance as of XX/XX/XXXX : {$13000.00} Past Due Balance as of XX/XX/XXXX : {$370.00}. 
The finance charges are too steep. I have requested a payoff quote which is unbelievable. I'm constantly getting calls from automated service at least 10 to 15 calls each day.

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 2023-12-11
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I received a letter regarding a levy. In addition to Chase holding the levy amount they wanted an additional duplicate levy amount indicating they were not allowed to release the levy amount. After weeks of going around in circles and assistance from the government agency we were able to get Chase to release the levy amount so I could be in good standing with both the government agency and Chase checking account. I have incurred nearly {$1000.00} in charges from over 20 nsf fees of {$34.00} over a period of 6 weeks. In addition, I had paid an additional {$30.00} stop payment fees to keep a couple of creditors from accessing my account. Those transactions were initially allowed and then returned after incurring more nsf fees defeating the purpose of the stop payment fees not to mention requesting a new debit card which creditors are able to access without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Bread Financial Holdings, Inc.
State: MN
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:
On XX/XX/XXXX I opened a XXXX XXXX Credit Card for the purchase of a wedding band costing {$420.00} with a {$84.00} down payment. 

When the ring arrived, I was unsure on whether I really liked the band in person. I ordered another wedding band on XX/XX/XXXX in the cost of {$460.00} with a {$93.00} down payment. 

On XX/XX/XXXX, I returned the original ring with return value credit of {$420.00} which was put towards the outstanding purchase of the 2nd wedding band for a total balance of {$290.00}. 

The remaining balance owed on the loan was paid off as follows : XX/XX/XXXX - Payment - {$40.00} XX/XX/XXXX - Payment - {$40.00} XX/XX/XXXX - Payment - {$50.00} XX/XX/XXXX - Payment - {$80.00} XX/XX/XXXX - LATE FEE Charge {$27.00} XX/XX/XXXX Payment - {$100.00} {$0.00} balance in account - XX/XX/XXXX My husband and I are attempting to secure a home mortgage and were shocked to see that my credit score had gone down by over 100 pts. After working with our lender, we learned about this credit error from XXXX/XXXX that is hurting my credit. 

I have called XXXX XXXX ( XX/XX/XXXX ) to ensure that my account is indeed at a {$0.00} balance and I have been sent a letter that confirms that the account no longer has a balance. When I inquire about the credit reporting I was told to follow up with XXXX. 

On calling XXXX ( XX/XX/XXXX ), it was confirmed again that my account is at a {$0.00} and the reporting is in error. I was told to file a complaint to have the creditor adjust the way it's viewing. 

Please help me to fix this error so my husband and I can secure a loan for a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
At the Regions Bank at XXXX XXXX XXXX Florida XXXX XXXX XX/XX/XXXX, I made a deposit of {$1500.00}, it is a secured card to make credit, said card was requested that day by the agent XXXX XXXX XXXX the card has never It arrived by mail and on multiple occasions I called the bank to tell them that it had not arrived yet, this agent told me that she would cancel it and she never did, I later returned to the bank to ask why it had not arrived and there they gave me the information that they made multiple transactions that I never made because I did not have the card, the first was at the same Regions bank in XXXX on XX/XX/ for a total of {$450.00}, XXXX # XXXX on XX/XX/ for {$230.00}, in XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/ for {$270.00} and {$2.00}, on XX/XX/ in XXXX # XXXX for {$47.00}, and in XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2.00}, for a total of XXXX, they tell me that I am responsible for something that I did not do because I never had that card, but they hide information since they carried out the first fraud in their own bank and there are cameras there, even though I promptly alert them that they never I received the card, they did not cancel it and they did not pay attention to me, accusing me of this responsibility that I did not commit, I need your help to resolve my case since it has affected me a lot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: AL
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 notified the credit bureau on several occasions that the reporting of XXXX is incorrect. I have obtained a letter from XXXX verifying that my account with them was current and that there are NOT suppose to be any lates reporting on my credit report. XXXX told me that all negative reporting should be removed and they would give me a letter verifying this information, which they did. I have forwarded the letter to the credit bureaus reflecting that my account needs to be reported as current with no lates on the report. However, due to the credit bureaus negligence, I have applied for credit and their false reporting has affected me in getting a loan. I was denied credit based upon their negligence in credit reporting and the credit bureau should be assessed a hefty fine due to their negligence.

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 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
On my credit report I noticed a {$950.00} charge off listed by Kohl 's. On XX/XX/XXXX I sent a written request by certified mail to Kohl 's requesting verification of my signature as proof that this charge off is accurate. Kohl 's signed for my certified letter on XX/XX/XXXX. Kohl 's responded on XX/XX/XXXX with a computerized bill that did not bear my signature nor any signature for that matter. I sent a second request certified on XX/XX/XXXX of which kohl 's signed for on XX/XX/XXXX with no response and a third written request sent certified on XX/XX/XXXX of which Kohl 's signed for on XX/XX/XXXX and again failed to respond. Per the FDCPA Kohl 's is required to send my verification that I have an agreement with them to pay the {$950.00} with a document bearing my signature of which they are refusing to do. Kohl 's also failed to follow the FCRA 623-b, 623-a-3 and did not mark my credit report as disputed with in 30 days of my written request for an investigation sent by certified mail that they signed for on XX/XX/XXXX. Kohl 's has not responded to my last two written request but are continuing to report to the credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
XXXX XXXX XXXX company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, Trans Union, and XXXX ) regardingt Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are 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