BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My account was inaccurate an amount of XXXX was borrowed, for the XX/XX/XXXX-XX/XX/XXXX academic year yet ; certain amounts haven't been applied correctly, plus I need to continue to manage my own money. They've taken the authorization for granted ; especially being that had given non. I've received small checks when there was no enrollment, my tuition amounts keeps a flip flopping, and they keep charging me when it's already been paid for. And there was an approved XXXX dollar scholarship leaving me, with a " supposed '' debt XXXX what kind of institution does that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
Experian just responded and closed my complaint # XXXX in regards to an incomplete and inaccurate account reporting on my Experian account. The did not resolve or acknowledge my issue in the credit reports they I have attached. Experian also sent the same response for 2 different complaints which shows that it is an automated response and they did not do their due diligence in investigating and rectifying the issue. My complaint in regards to the account XXXX XXXX is clearly reporting 2 different ways on only 2 of the credit bureaus. Each credit bureau is required to report accurate and complete information. Experian request I write 100 word statement which details my dispute issue when in fact I have numerous letters/statements detailing my issue, even my last complaint listed at the beginning of this complaint. Experian is reporting this account in 3 different types of bankruptcies. No correct balance or financial information about this account. They are not reporting the correct and complete account number. Experian and XXXX  are reporting different dates the account was opened. This is clearly not complete and accurate information. I submitted copies of all 3 credit bureaus proving these errors and they are not being acknowledged and at this point I will start the litigation process if this is not resolved. I have been patient as well has diligent on getting the facts to prove my issues. Consider this once again as my 100 word statement to specify my dispute.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: GA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports, I never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2019-03-09
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:
I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

TransUnion are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.

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 2020-12-10
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery Agency Collection is attempting to collect on and account that doesnt belong to me. The account number show on my credit report is account XXXX amount {$2500.00}. The address is shown as XXXX XXXX XXXX XXXX, XXXX, Massachusetts. I XXXX XXXX XXXX XXXX Have never live at this address.

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 2020-12-10
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Approximately one year ago I attempted to log into my Capital One account through my new device. Recognizing the new device the website requested a two-step verification which I could not perform due to my location outside of the United States. When they locked my account they refused to allow me to reopen my account even after submitting more documentation of my identity than when I originally opened the account. I submitted my drivers license, bank statement, birth certificate and a different credit card statement. At each step they only required one more step. Finally, I sent a letter directly to the CEO of Capital One and was given a response from their corporate office that I could open my account with the verification of my passport. Upon successfully doing this I was again rejected. The company has also denied me hundreds of the points I rightly earned and wanted to redeem. I believe this dishonest and unethical behavior deserves to be known and rectified as I have come to learn this is a common practice at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid 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:
Fidelity Investment Credit Card charged me a higher interest rate than what was agreed on for a promotional balance transfer transaction. This higher rate started in XX/XX/XXXX to XX/XX/XXXX. They added an additional 6 %.

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 2018-03-02
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: Personal information incorrect

Complaint:
There is an address in California that is reportedly associated with my name being reported on my credit report. Ive never lived in California so I know that Im a victim of identity fraud in this particular case.

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 2020-12-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: TD BANK US HOLDING COMPANY
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:
I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citi Bank reduced my Sears Credit card limit from {$3000.00} to {$250.00} without any reason, notice or explanation. When I contacted Sears credit card, XXXX of Sears Credit card credit operation didn't provide details, but informed me there were delinquency on my credit report, I told him the delinquency report is not true, but he wouldn't listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX  XXXX {$250.00} XXXX   XXXX {$100.00} XXXX  XXXX {$26.00}

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 explanation
Consumer complaint received 2020-11-16
Company: RFNA, LP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
after recieving a call from the loan company, i agreed to make payments, i made a payment on line after falling behind from being sick. covic 19 came into play at work ours hours was cut. when i got a letter saying they would do a settlement i got the letter in mail so i called and tell me that they had filed a garnishment i explaind that i still had 5 days to take the settlement but the person said it was to late the letter reads lumpsum settlement or term settlement they didnt give me the chance to answer, i explained that i almost lost my home if it was not for the loan modiforcation on my mortage. i didnt think it was right to do me this way since we are under cov19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-01
Company: M&T BANK CORPORATION
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: Account status incorrect

Complaint:
We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with M & T Bank ( M & T ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. M & T was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) M & T started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) M & T has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!

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 2019-03-09
Company: Experian Information Solutions 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:
I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Experian are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.

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 2018-09-25
Company: Colony Brands, Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'M not sure on the date. But I order out of the catalog I got in the mail. I bought five bed spread, a bed skirt, pillow shams and a set of towels. And I returned it all back to the company. And the amount XXXX. And they never took it off my account. And I told them to fix it and I would pay my balance. And never would fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX   XXXX XX/XX/2020 {$410000.00}

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 explanation
Consumer complaint received 2020-12-10
Company: MECHANICS BANK
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: Account information incorrect

Complaint:
Spoke with XXXX XXXX XX/XX/2020 and Disputed with XXXX, XXXX, and XXXX in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX stating the car was paid in full and my title would be mailed in which I did receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received statement of account ending in XXXX from Discover on XX/XX/XXXX. I never applied for nor received any account from Discover since I paid in full and closed my account. I put security freeze on my account with all the major financial institution to make it impossible for any company from opening any account on my name. I do not apply for any account from from Discover. Discover is sending me statement of account I did not open from them. I want Discover to stop sending any statement to me and if Discover opened any unauthorized account on my name, it should please close such an account. I do not have any account with Discover as such it should remove my name from the list of its customers. 
I do no want further contact by the Discover credit card. 
Discover should not open or operate any account on my name. I had earlier reported my complaint with XXXX XXXX XXXX  ; I only received acknowledgement. I do not want to wait for Discover to contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Capital Accounts, LLC
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 put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.

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 2020-12-10
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally Bank continues to hold my funds hostage. I still have not received a debit card and I've called over 10 times to report this issue and nothing is being done to resolve the issue. I have NO access to a branch or any other way to access funds I've deposited through electronic means. I've asked for deposit slips and checks as well. I have not been provided anything. They also have my outgoing XXXX transfers restricted so that they take 3 business days to process which normally should take 30 minutes or less. They have no problem accepting XXXX deposits immediately. Multiple people at the bank seem to just be lost in regards to these issues and can not help. I'm also unable to receive instant deposits from my XXXX XXXX  pay because the bank can not figure out how to accept RTP ( real time payment ) transactions. Every other financial institution I've ever used has had no problem accepting, and making available any funds I've initiated for instant pay. Those financial institutions are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. So if they have no problem accepting RTP transactions what's your excuse? If you have no idea what RTP is you should look it up. There's information listed online from XXXX XXXX XXXX. My biggest issues with Ally remain that I have no access to my funds outside of MULTIPLE business day ACH transfers because they will not get a debit card into my hands. My card should have been sent expedited in the first place and if you claim that mail is slowed due to COVID-19 you should reflect that in your agent time-frame which has been 5-7 business days. It has now been past 7 business days and my card is no-where to be found. I'm really tired of banks thinking they can just do what they want with no repercussions. I don't know what needs to be done but I expect a debit card in my hands by the time you get this. I expect a detailed answer on Real Time Payments through XXXX XXXX XXXX You can find out more as a financial institution by emailing them : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Advantage Collection Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dont send any verification and still reporting pass 30 days.DELETED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation