BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Nelnet is my loan servicer. When I was younger I was frequently placing my student loans into forbearance because I was never properly counseled on how the interest would continue to compound year over year. My account number is XXXX. My current loan information only goes back XXXX years. However, I've been paying on this account every month with auto-deduct since I got married in XXXX. Presently if I go back just XXXX years it shows a principal balance of {$14000.00}. I am XXXX XXXX XXXX. I've been out of college since XXXX. Since only XX/XX/XXXX I've paid {$7.00}, XXXX in INTEREST alone, {$11000.00} toward principal, equalling {$19000.00}. How the XXXX is there STILL a balance of {$9700.00} when I've been paying {$220.00} every month since JUST XXXX?! AND, there were several years when I was paying {$440.00}! I have not worked since XXXX of XXXX ( 19 months ). I refuse to allow XXXX additional cent of " Interest '' on whatever amount I originally owed if I use a forbearance program. At what point can ANYONE determine that I've paid enough in compounding interest and principal? How can it possibly be fair that I still owe over {$9000.00} when I've been paying on this loan for " at least '' 18 years? When XXXX XXXX passed legislation that locked my interest rate at 8.0 % I've been prayed upon by lenders ever since. I can not pay another dollar towards this ridiculous " legal scam. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: MO
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2017-07-10
Company: U.S. Auto Sales Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
PURCHASED XXXX USED XXXX XXXX XXXX FROM US AUTO SALES IN XXXX GA, XXXX 2014. HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO XXXX FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE XXXX. THEY HAVE BEEN REPORTING XXXX AND XXXX WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL THREE BUREAUS. I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF XXXX XXXX  HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH XXXX AND XXXX XXXX FOR OVER A YEAR, AND XXXX IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER ONE HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS. XXXX WHO WORKS WITH XXXX XXXX { LAWYER } FOR US AUTO SALES IN XXXX GA. I AM XXXX US XXXX AND XXXX VET. HAVING XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION.. <P/>RESPECTFULLY,.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM XXXX AND XXXX. I HAVE DISPUTED THIS ISSUE NUMEROUS TIMES WITH COMPANY AND STILL HAVING NO LUCK. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THIS COMPANY. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: GA
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:
EQUIFAX TO Whom this may concern, Under 15 USC 1681b- Permissible purpose of the consumer reports 15 USC 1681b- ( a ) In general ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER FOLLOWING CIRCUMSTANCES AN NO OTHER. 

( 2 ). In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 

I XXXX XXXX XXXX the CONSUMER never gave EQUIFAX any WRITTEN consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

UNDER 15 USC 1681-Congressional finding an statement of purpose.

EQUIFAX did not RESPECTS my CONSUMER rights to privacy, which is a violation of 15 USC 1681-a ( 4 ). EQUIFAX sells an share CONSUMER info WITHOUT the CONSUMERS consent. 

Under 15 USC 1681c- Requirements relating to information contained in consumer reports.

EQUIFAX included a MEDICAL BILL on my consumer report which is a violation of 15 USC 1681c ( a ) ( 6 ) AND ALSO PRESENTS A HIPAA VIOLATION I the consumer have notice that there are accounts illegally furnished on my consumer report. I DEMAND that you remove these inaccuracies ( listed below ). IF THEY ARE NOT REMOVED. I the consumer will not EXTENT MY CREDIT TO ANYONE OR ALLOW EQUIFAX TO FURNISH A REPORT FOR ME. 

REMOVE THESE ACCOUNTS. 

1.XXXX  XXXX XXXX XXXX XXXX XXXX - ACCOUNT # # # # XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX {$180.00} 4. ANY OTHER XXXX PARTY COLLECTIONS I would like to state that pertaining to 15 USC 1681 ( a ) that the banking system id depended upon fair an accurate consumer report. BY EQUIFAX VIOLATING LAW, it has cause me to lose confidence in the banking system. 

IF EQUIFAX WANTS TO CONTINUE DOING BUSINESS ME, PLEASE DELETE THESE INACCURATE ACCOUNTS FROM CONSUMER REPORT. 



SINCERELY XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions 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 had XXXX cell phone service and switched to XXXX when they where offering to pay off last bills to switch to them, XXXX failed to send payment to XXXX, XXXX sold account to XXXX a collection agency I paid them and requested that it be removed from all 3 credit bureau XXXX and XXXX  agreed to remove, XXXX and Experian are refusing my dispute to have it removed. XXXX has removed but XXXX and Experian have not even though the actual debtor is requesting for it to be removed!! Also i have made 4 request in the past XXXX to get my final bill from XXXX and i have yet to receive anything from them other than verbal confirmations of we are sending them to 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 2017-11-15
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
So here once again to file yet another complaint about Home Depot .... filled one last month because there automated system told me what to pay, to find out from customer representative it was double ... Now this time it 's to file a complaint on how do I get charged {$35.00} late fees for over 5-6 months in the past to this month because this great automated system did n't take my payment on due date to find out I 'm only getting a {$25.00} late fee .... odd so u just once again made over {$60.00} off me .... then talking to the case person being told that she will not be doin anything untill I file a complaint here .... so here 's your complaint .... so Home Depot has made over {$200.00} on me from there doing and wo n't do anything about it .... time to pay this thing off and close and warn people never get this credit card ... over {$200.00} in there make believe fees, you people should be ashamed. And someone REALLY should be looking much further into them ....

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 2019-08-02
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: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to XXXX  , TransUnion and XXXX. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX  XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX  XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX  XXXX  removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX  XXXX  : XXXX Dispute late payment : XX/XX/XXXX XXXX  XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-03-02
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A request was made to provide me with a HIPPA Certificate for debt i do not owe, rather the company provided me with a document containing my forged signature. 
Company has violated my HIPPA rights, and will be responsible for issuing a false document. Hippa violations are serious violations and will result in major fines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: GREAT WESTERN BANCORP, INC.
State: NE
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 XXXX  is reporting XXXX XXXX listings closed as of XX/XX/2010. Under the FCRA, these should no longer be reporting as they are over 7 years old from date of last activity. Great Western Bank is now the owner of these accounts

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 2019-08-02
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
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: Account status incorrect

Complaint:
I lost my job call the car company to forfeit the car. They tools 9 months to repo it. They sold The car 12 months after they re-polled it then charge me for the balance two years later the account was closed and it was considered a charge off. Today I got a phone call from my debt consolidating company that tried to collect {$3200.00} on this loan that has been closed and now they have applied it to my credit and said they will be garnishing my check. I voluntarily turned it in. And they closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Lil' Wave Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been asking for a payoff demand and I did receive them. However the payoff demands are for XXXX and for XXXX and the month of XXXX the payoff demand is higher than the payoff amount in XXXX. I have been approved for a loan and are waiting on the updated payoff demand since XX/XX/ that was requested via fax and email and we are yet to receive the payoff demand. Escrow is unable to move forward with anything without the payoff demand. I have a trustee sale date of XX/XX/ which is why we call and email daily asking for a payoff demand and we are yet to receive it. I believe the lender and the servicer are purposely holding my payoff demand. I frankly believe they are wanting to foreclose on my property without giving me a chance to pay them off in full. All I need now is my payoff demand and an additional 15 days to closed escrow properly. I am asking that the trustee sale date is postponed for 15 weekdays to ensure everything is done properly since providing a payoff demand has delayed this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: JPMORGAN CHASE & CO.
State: HI
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:
Final payoff check for auto loan was XXXX to Chase Banks physical overnight address on XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX TX XXXX. Packaged was signed and delivered by XXXX XXXX at XXXX on XX/XX/2020. XXXX   envelope contained check # XXXX dated XX/XX/2020 for {$15000.00} for final payoff. As of XX/XX/2020 check still has not been cashed and now I am showing 30 days delinquent on my credit report. Ive provided all necessary proof to Chase bank and they still have not rectified this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Credit Card Receivables Fund Incorporated
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
In my phone call to UNIFUND CCR, LLC on XX/XX/2019 at approximately XXXX EST to settle an open lawsuit against me, the UNIFUND CCR , LLC representative stated that the default judgement was being processed. When asked to clarify as I was entitled to 20 days from the date of receipt of the notice before a default judgement would be issued, she repeated the same phrase again. 

As I am entitled to 20 days from the date of notice to respond to lawsuits before a default judgement is issued, and the date of notice was XX/XX/2019, on the date of the phone call, no default judgment could have been being processed. Therefore, their agent used false or misleading representation and violated the FDCPA.

The Federal Debt Collection Practices Act 807 ( 2 ) ( B ) states clearly that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. [ ... ] the following conduct is a violation of this section : the false representation of - [ ... ] the character, amount, or legal status of any debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX/XXXX/XXXX I contacted Wells Fargo because I initiated a XXXX transfer to a friend of mine. When my friend received the text confirmation, it was telling her that it was being sent to a XXXX XXXX that she didnt have anymore. When she contacted XXXX XXXX, she was told that her account was inactive and in order for her to open the account she had to make a deposit. XXXX XXXX is n't available in California, so she was unable to reactive her account. Her and I got on the phone with Wells Fargo, and we initiated a dispute due to the fact that the transfer was showing that it was going to a XXXX XXXX account ( apparently she had an old account that was attached to her phone number so when i entered hr phone number to send her money, it went to XXXX ) We opened the dispute and now we are being told that the dispute is n't in my favor because it shows that it was deposited. If Wells Fargo contacted XXXX XXXX they would of found out that the account the money is being sent to is n't active anymore and the dispute would go in our favor The amount of the transaction is XXXX made on XXXX. We resubmitted a second transaction of XXXX through XXXX ( due to the fact that it was a rent payment ) and it went through correctly the second time.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Improper use of 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 2019-08-02
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This dispute was filed incorrectly I have tried numerous times to correct that with this company however they have delayed and tried to prevent me from doing so. XXXX XXXX a rep from the corporate office has been corresponding with me even though he has admittedly no authority to resolve me issue this charge occurred on XX/XX/19 it is now XX/XX/XXXX. Mr XXXX idea of a resolution would be to just now submit my information to the dispute team for review even though Ive advised numerous upon numerous times that it was filed incorrectly. This is egregiously incompetent it is nearly four months since the charge occurred and they have yet to credit my account. Please assist.

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 2021-04-28
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
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:
HUNTINGTON RAN MY CREDIT TWICE IN ERROR! ONLY WAS TO SOFT INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: MoneyLion Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX and XX/XX/XXXX XXXX $ each day was trying to do an atm withdrawal and no money was dispensed. I try to call. The atm said that my bank has to do a dispute and the bank said that I have to contact the atm

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an alert on my experian account that a collection was added to my credit report by CBE Group XXXX XXXX XXXX XXXX XXXX, IA XXXX. There was a payment on my XXXX XXXX account for {$70.00} on XX/XX/2022 confirmation # XXXX. There was also another payment made on my account for {$91.00} on XX/XX/2022 confirmation # XXXX.

Company response to consumer: Closed with explanation