BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: NCB Management Services Inc.
State: CO
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:
In 2014 I became a victim of Identity Theft. a family member stole my identity and bought a car. I found out a few years later and tried to call the dealership to find out more information only to find out they went out of business. I have never had this car, I have never bought it, only my name was used in the sale. XXXX XXXX sold this debt to NCB MANAGEMENT SERVICES who now is reporting me to all three credit bureaus XXXX, XXXX, XXXX. They claim I owe them {$4000.00}. I do not owew them a penny and will not pay them anything!. I do need the professionals behind me to help me in this fraudulent claim that NCB XXXX claims I owe. I have researched NCB only to find out they are a predator corporation that destroys peoples lives. I will not become their victim. This is my complaint I am a hard working person who is honest about everything. I need help desperately fighting this collections monster who preys on honest hard working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NAVIENT continues to report negative delinquent account marks on my credit with student loan debt they sold to XXXX XXXX XXXX XXXX XXXX, which I settled with and have been making on time monthly payments since XX/XX/2018. I settled {$66000.00} for {$15000.00}. I have the letter to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
I reviewed a copy of my current credit report and I am showing incorrect information on my file. I attempt to dispute and have not received any results. I current student loan ( s ) are reporting incorrect. I was never late.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without written consent.

It is reporting stuff that is hurting my credit reputation!

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 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Went to XXXX XXXX XXXX in XXXX Al ( graduated 2012 ) with a degree in XXXX XXXX XXXX and loans are $ XXXX still do not have a job in that field. The payments are too high and it's recorded a negative impact on my credit report. Can not possible purchase anything. Can't transfer credit to another college. I was told the degree is worthless.

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 2019-04-05
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been working with XXXX XXXX XXXX. According to there records, the current debt has been resolved. I believe the debt collector is opening this account again, so as to get money from me in an illegal manner. XXXX XXXX XXXX has settled this account, so how did LVNV FUNDING LLC get this account. This illegal account has caused my credit score to decrease by over 40 points. I have to pay an outrages interest rate on a new vehicle I purchased. I have done research on this company and found there are a lot of complaints, ranging from harassment to fraudulent credit reporting. The amount they claim I owe is {$3900.00}. Also according to their records my last payment date was XX/XX/19. 
I have not made this payment, which means XXXX XXXX XXXX could be the only way they recieved a payment. According to XXXX XXXX XXXX, if this is an accurate account then the debt is settled. I believe LVNV Funding is trying to get money from XXXXXXXX XXXX XXXX and from me. 
Would you please look into this and find what is actually going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
please correct my credit files soon.

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 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid 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:
After many attempts since XX/XX/2020 to get a refund from XXXX XXXX for airlines tickets cancelled due to covid-19 and the lockdown, on XX/XX/2020 I filed a dispute with Capital One-Dispute No. XXXX for {$300.00}. I sent all the paperwork required by Capital One, but on XX/XX/2020, Capital One sent me a letter denying the refund/chargeback to my account with the excuse that I did not submit a refund voucher ( attached letter ). On XX/XX/2020, I received an email from XXXX XXXX confirmation the refund in the amount of XXXX. Following Capital Ones recomendation, I forwarded the email to XXXX ( Travel Agency ). Since I did not receive the refund by XX/XX/2020, I sent another email to XXXX requesting the status of the refund. By XX/XX/2020 I did not receive the refund from the merchant, so I decided to call Capital One. Capital One reopened the case and sent me a link to submit the so called refund request for proof. Today, XX/XX/2020, and since I have not heard back from Capital One, I called Capital One and XXXX XXXX its representative ) noticed nothing was done on the dispute. She put me on hold for a few minutes, and when she came back to the line, she stated that the dispute was not going to be honored due that the time to dispute was passed. I could not believe what I was hearing, so I asked her to transfer my call to the complaint department. She stated there is NO complaint department. Then, I asked her if there is a phone number for a Consumer Advocacy Office to talk to them before I file a complaint with the CFPB, and she also stated there is NO such office. Not only Capital One is avoiding and not following its duty to properly investigate my dispute with legitimate facts, they are violating the Consumer Protection act to protect me against fraudulent, malicious and unscrupulous merchants who are keeping a refund that is rightfully mine. I am submitting a CHRONOLOGICAL TIME OF THIS DISPUTE. This dispute was presented since XXXX, and as I got the information necessary, I sent it to Capital One in a timely manner. Attached are all the paperwork submitted to Capital One and necessary to support my complaint against Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
There was a title loan given on the vehicle ... XXXX ... ..the vehicle was ultimately repossessed ... .the company continues to report the original loan amount to XXXX and has given no monetary credit for the vehicle ... ..the tires and rims on the truck alone was worth more than XXXX ... ... and that's not including the value of the truck itself ... .the loan amount should have been completely wiped out after the vehicle was repossessed due to non-payment ... ... .the amount reporting to the credit reporting agency as a charge off is completely incorrect! and on top of that ... ..the loan was obtained fraudulently by my brother ... ... and all the proper documents have been submitted to the agency ... ... but as I said besides all of that ... the company AUTOMOBILE ACCEPTANCE account # XXXX AMOUNT OF XXXX ... ..this is wrong on so many levels and I have tried to resolve this with no result

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account ending in XXXX is enrolled in repeat payments, the amount of {$50.00} is scheduled to post one day before due date each month. No payment posted for this month for reasons unknown to me, a late fee was charged yesterday, XXXX, in the amount of {$15.00}. Because no payment was scheduled, I made a payment today,XXXX, in the amount of {$40.00}. I do not know why my auto pay did not go through, however, I do not believe it is my fault and should not be charged a late fee.

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 2017-10-31
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX of this year ( 2017 ) I have requested Debt Validation from Calvary Portfolio Services, LLC. During the course of the past five months I have been ignored and this company has failed to produce ANY form of debt validation. However, this alleged debt is still being reported to the credit bureaus and is negatively impacting my credit worthiness. On XXXX XXXX I sent a third Debt Validation request via certified mail. The correspondence was received on XXXX XXXX. As of today XXXX XXXX, Calvary Portfolio has not responded. This company is violating my consumer rights and not adhering to the guidelines set forth under the FDCPA. 

This is not my debt and it should not be on my credit reports at all. 

I have included a copy of the third debt validation request I sent and postal confirmation of delivery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I recently deposited a check to USAA from a relative in the amount of {$5000.00} on XXXX XXXX, XXXX. My relative contacted me today XXXX XXXX, XXXX and said the funds have left her account, which would mean USAA is in possession of the funds. 

This makes no sense why USAA would put my money on hold until XXXX XXXX, XXXX other than to go spend and invest that money or do other profitable banking practices. 

This is unfair and unreasonable and I 'm requesting that the CFPB please investigate USAA and these practices. I am requesting that USAA please communicate in writing only and not by phone. 

Furthermore, the same relative tried to deposit the funds before writing this check via bank wire and it was turned away by USAA, which I also do not understand. 

I am a XXXX citizen and this is causing me a lot of XXXX and XXXX. I do n't know why I must spend so many countless hours trying to get USAA to stop putting holds on my deposits and then the semantic answers I get from their customer service. 

See attached screen shots of deposit holds and screenshot from relatives checking account which shows that funds have cleared and that USAA is alienating me and is conducting unfair banking practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: CIG FINANCIAL LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CIG financial is practicing very deceptive and unlawful credit reporting and debt collection practices. 

In the last 6weeks this company has published very controversial, contradictory and fraudulent information to the consumer credit report ( please see attached exhibits ). 

There has been a serious of updates and removal of late payments, followed by the reinsertion of of these false claims, that I'm in debt to this corporation. This company was paid using an open end consumer plan and was paid the day I left the lot. 

Yet, CIG continues these abusive antics in attempt to force me to pay FEDERAL RESERVE NOTES for a 'debt ' : WHICH IS COMPLETELY UNLAWFUL yesterday, CIG Updated the credit report claiming this account is again delinquent. Just last week, this company removed all past due payment history and stated that account has been paid These practices are deceptive, unlawful, and extremely damaging. Please help, I've tried disputes, would like to save the time and energy that will be required to litigate and WIN I'm court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Nelnet, Inc.
State: TX
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:
Nelnet and XXXX XXXX took {$1200.00} out of my XXXX check in XX/XX/XXXX after I have been totally and permanently  XXXX since XX/XX/XXXX- XX/XX/XXXX and had my loans dischared by physician forms, etc. I have been faxing with my caseworkers for 6months to try to resolve this. I live in a XXXX XXXX and this is very hard on me physical and mental. On form XXXX XXXX XXXX it says all loans were discharged. Ss has supplied lots of forms including XXXX that I have never been assigned a review, but either they ignore me and send en ryted emails i cant open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion credit report XXXX credit report XXXX credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there

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 2017-10-31
Company: Experian Information Solutions Inc.
State: AZ
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:
I was added as an authorized user on my wife 's XXXX XXXX credit card roughly four months ago, I noticed XX/XX/XXXXand XX/XX/XXXX updated my reports immediately to reflect the accurate information, by doing this my score and improved drastically. I have been waiting for Experian to update and when I noticed they have never updated this information I called them on XX/XX/XXXX to address this issue, I was told they could not add this account because it would negatively impact my credit file due to 2 late  payments in XXXX. My wife is unaware of any late payments and according to XXXX and XXXX payment history is great! I requested this account to be added and the representative stated they could not do it. This is causing about a 100 point difference in my scores everything else matches up except this.

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 2022-02-18
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Lexis Nexis Accurint report dated XX/XX/XXXX, falsely reports me living and creating numerous utility accounts between XX/XX/XXXX and through most of XXXX at addresses that are not known to me as follows : 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 Note : I am a victim of identity theft. There is some type of organized crime which is still publicly advertised on XXXX at XXXX XXXX XXXX providing utility services to people who had credit problems. 

As a result, I am being unfairly linked to every criminal involved in this illegal activity and also provided the first five number of strangers ' social security numbers which would indicate the Lexis Nexis is providing the first five number of my social security to organizations who are gathering information of these total strangers..

Out of the 40 pages in this Accurint report, there are now 100s of criminals and their relatives being listed as my relatives and associates. When in reality, I am only associated or even familiar with one person on these 40 pages, which is my son who Lexis Nexis misreports as a female. 

The Accurint report also lists two state liens from XXXX which is also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citi Financial credit card company is refusing to credit my account for payments made for the month of XXXX. I submitted XXXX payment on XXXX XXXX, XXXX. I always call to verify payments went through. When I called, they said it did n't go through, they said I " had never used that account before. '' They would not tell me what account they were talking about or verify what account number they were using. I used an account I have used for years, which has more than adequate money to cover the payment. I resubmitted the payment, by phone, to the customer service representative on XXXX XXXX, XXXX. When I called on XXXX XXXX, XXXX, to verify they had made the payment, again it was not credited. I submitted the XXXX payment again, even though they still would not verify they had transcribed the account number correctly. On XXXX XXXX, when I called again to verify, it was still not credited. I submitted another XXXX  payment. You see, this is a XXXX interest account which will start charging interest if a payment is made late. Again, Citi refused to tell me the account number they were using or if they had miss written the number. Finally, I transferred entire balance to a different card and attempted to close Citi. They keep adding fees & will not close it. I never received a bill, either.

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 2017-10-31
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My medical debt was sent to a collection agency after the bill had been paid. 

Bill was to XXXX XXXX XXXX XXXX XXXX, TX XXXX Bill was paid on XX/XX/XXXX. I will attach the image of the posted transaction on my credit card statement. 

Received letter from collection agency " Managers Office '', XXXX XXXX dated XX/XX/XXXX stating the bill was still owed. Will attach image of that as well. 

A negative score has been falsely added to my credit report. When I contacted both companies they told me it would take 4-6 weeks to resolve. I want action immediate against these 2 companies.

Company response to consumer: Closed with explanation