BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX, I decided to return to school after having my first child in XX/XX/XXXX. I finished the program with a XXXX GPA and was ready to get to work. The whole premise of the XXXX XXXX was that they promised employment upon completing the program. After graduating in XX/XX/XXXX it took over and a year and a half to find employment. This caused a negative stress on my finances and shortly after I found out I wasn't alone. In the summer of XX/XX/XXXX The XXXX XXXX was investigated for fraudulent behavior and was forced to file chapter XXXX bankruptcy because of exact cases like mine. It has been a 6 years since this has taken place and at this point I'm trying to do the best to move on. 

The accounts are have recently closed but still negatively impacting my credit score. I'd like to request that the following closed accounts be removed : US Dept of Education- opened XX/XX/XXXX - closed XX/XX/XXXX Dept of Ed/ Nelnet- opened XX/XX/XXXX- closed XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 {$3800.00} XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$350.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX  XXXX {$140.00} XXXX XXXX {$340.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$32000.00} CHAPTER XXXX BANKRUPTCY DISCHARGVED XXXX {$0.00}

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 2021-06-06
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 have submitted all of the required documentation to remove the XXXX XXXX Inquiry is appearing on my credit report. I have spoken and was advised to submit the information and it will be removed in 72 hours. The inquiry is still showing on my 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 2021-02-09
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX put a collection on my credit report without giving me a right to dispute. I filed a complaint and they responded by stating they that sent communication regarding an alleged debt. I sent correspondence to them asking for a copy of the letter they sent giving me the right to dispute, as of today I have not received any communication regarding a right to dispute. They are also reporting on my credit report as an installment loan showing a high balance and a low balance and increasing my balance by {$1.00} once and week, then they increased it to {$3.00} within the last couple of days. Collection agencies are not supposed to act as if a person has an installment loan by having a high balance and a low balance, nor charge interest the way that they are which is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian Is reporting my XXXX XXXX XXXX loan as being included in a Bankruptcy in XXXX. I never filed bankruptcy. The account is current. I just opened the account in XXXX that is when I purchased the vehicle so don't understand why they are reporting it as being in a bankruptcy. 
If they contact XXXX XXXX they would verify that the account is not in bankruptcy and was not even open in 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 2018-05-15
Company: DISCOVER BANK
State: NJ
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:
I had an attorney who is working on my case since XX/XX/XXXX, fail to file and protect financial interest in my XXXX   proeprty in Ohio case, lack of authentication rejected my claim for money owe by defenadat what he borowed against my trusted property since XX/XX/XXXX and XX/XX/XXXX, i had provided bank verfiabe USA bANK  documents still he did not file and proetect my interest, he also lie to me that he file XXXX deposition of fedendants, he did not aftere receving entry from XXXX county court clerk XXXX XXXX, and he did not impeach those defendat and he lost my case for around 900k, he also has doen poor job for not enforcing judgemtn what was graqnted sicn XX/XX/XXXX, let defendat do what ever he want to do with his money and fail to collect my judgments, now he want to do more work search etc also telling me lie since XX/XX/XXXX that judgment against whome i have may be that person do not have any investment in any business, may be he will go for bankruptcy, only thing he is inteested is just to collect fee from me and not delivering honest result of my letitgation and ocllection of money, i have to contact other attonrney and now they are asking why you have not collected since last two year for judgment? Why interest rate is only very low why not 10 % or higher, all thing lead to me that my attorney did not do honest and proper job he do not deserve any legal fee from me a, d going to pursue to go to suprem cour tof Ohio for his disciplinary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Greetings, I have reached out to the following Credit Agencies on 2 separate times stating the following : On XX/XX/XXXX & XX/XX/XXXX See below companies and exact requested verbiage : XXXX  XXXX  Equifax XX/XX/XXXX letter : After reviewing my credit report, I noticed several accounts on my credit report that was either reporting incorrectly or I simply have no knowledge of. I have listed the account information below and the suggested outcome of each account. 

XX/XX/XXXX letter : Dear Credit Reporting Agency, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. As of now, you have not responded with the results of your first investigation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Avant Credit Corporation
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Prior complaints were made against Avant Credit and directly against the issuing bank, XXXX, pertaining to terms of a loan which were not disclosed at time of application/approval. Avant claims they were disclosed when in fact they were not. The high interest rate was not disclosed at the time of loan approval and payments ceased on the loan after attempts at lowering interest rate were unsuccessful. Avant has not provided any proof I agreed to the terms of the loan and does not have my signature on any documents agreeing to such terms. Avant refers to screen shots in prior replies to complaints, none of which they have shown.. The attempts mentioned prior include speaking with a XXXX XXXX directly at Avant as well as XXXX XXXX at XXXX whom I was not able to reach, calls from my number were not accepted and had to call from a different number. Once I was able to reach a rep at Web-bank, I was told Mr XXXX does not accept calls. Mr XXXX defended the high interest rate and would not agree to lower it or offer any other kind of remedy, he was advised payments will cease on the loan which they have. The last payment made was sometime in 2015, Avant is still reporting my account on my credit report, adding on interest and fees as a way to harass and also harm my credit score. Avant is aware of my dispute and will not resolve it, expects me to pay the high balance and interest which is at or around, {$16000.00}. The original balance is {$6800.00}, Avant is clearly adding on interest and fees as well as reporting the account to credit bureau ( s ) in an attempt to get me to pay which will not happen unless they agree to resolve my dispute over high interest rate. Their last reply closes with requesting me to call customer service to make payment arrangements which again, will not happen unless they agree to waive interest/fees, lower interest rate. In closing, please advise Avant they can continue to add on fees and interest but again, they will not see any further payments unless they agree to resolve my dispute. I am currently speaking with an attorney to see if what Avant is doing in regard to credit reporting is legal or not, it appears Avant is still reporting my account well after the contract end date..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: WY
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: Received unwanted marketing or advertising

Complaint:
Equifax provides credit monitoring as a result of previous data breaches. It is called the TRUSTED ID PROGRAM. I do not pay for a subscription. I review what they send because of the data breach. They have sent several NOTICES OF RECENT CREDIT ACTIVITY To me. It includes a login ( which I followed ) links to your account and shows for several items. It also includes assistance telephone numbers just for resolution. When you call the number you could extended series of options all of which have to do with purchasing additional products and none of which are directed at resolution. When you get a representative all they can do is give you another telephone number for the credit dispute department ( which any of us couldve gotten into seconds on the Internet anyway ) and offer a dial-in number for you. 
It is absolutely nothing but aggressive marketing disguised as warnings about identity theft. It is wrong. I have the notices that they sent me and can provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: U.S. BANCORP
State: TX
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:
I am set up for online credit card payments with XXXX XXXX  Services and I made a payment of {$240.00} ( the minimum payment ) by the due date of XXXX/XXXX/2017. However, they are claiming my XXXX payment was late because it was paid after the " cutoff '' time, which is not noted anywhere on their website 's payment portal. As a result, I was charged a late fee of {$27.00} for supposedly making a late payment. I do not believe they should charge this fee when they do not make it clear when the " cutoff '' time is. I have attached screenshots of their online payment portal and I would appreciate if your agency would look into 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 2019-09-24
Company: Opportunity Financial, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My XXXX XXXX XXXX is under a several recalls for a faulty transmission and door latch. The steering wheel also locked up on me and my XXXX XXXX XXXX daughter WHILE I WAS DRIVING. Hundreds of thousands of these vehicles have been recalled ALSO for the steerign however, mine is currently under investigation by the Nhtsa ( report # XXXX ) to be added to the recall. I work as an XXXX DRIVER and used this vehicle to work and pay my bills. I contacted Chase in XX/XX/XXXX asked for the loan to be cancelled due to XXXX XXXX selling me the car KNOWING it was under a major recall as well as the fact that the vehicle was inoperable. The vehicle steering wheel locked up on XX/XX/XXXX and has not been operable or on the road since. ALL INSURANCE AND REGISTRATION HAS BEEN CANCELLED. 

Chase refused to cancel the loan as well as repossess it. This vehicle is useless and was sold to me under false circumstances. Chase is now contacting my attorney ( fro the transmission defect ) threating to affect my credit score. They refused the resolution I offered and actually were aware of the vehicle defects when they approved me for the initial loan. The vehicle is of no use to me and is currently being held in litigation with the XXXX XXXX XXXX XXXX XXXX XXXX for consumer fraud. 

I feel im being XXXX  over circumstances that are not my fault! I offered a solution and rather than care about litigation or consumer safety, they are trying to XXXX funds from me that I would have otherwise had if my vehicle didn't leave me stuck walking and I was able to make money via XXXX to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, XXXX  AND EQUIFAX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX. Portfolio Recovery Associates started recording on my credit report two accounts. I paid one to get it off my credit and then started wondering if these were actual amounts due. I wanted proof of ownership from Portfolio recovery and I was told they do not have those documents. I wanted a application showing that I acknowledged any terms from XXXX XXXX. They could not supply me with any documents and informed me that they do not have these documents. I was told by XXXX XXXX on a recorded line that there was a charge from XXXX XXXX that they maybe can get a contract from XXXX XXXX to prove that I acknowledged an application. I'm quite skeptical as they can not supply me with anything besides a statement for either account. I also requested documentation as I believe I could have been part of a previous complaint issued regarding tactics that threatened me with attorneys. They can not supply me with any letters that were previously sent to me but only the letter showing that i paid the previous debt on ONE of the accounts they currently list on my credit. I would like answers as they keep telling me they will put in a request but inform me they have no idea what the turn around time would be on obtaining any documents. 


Portfolio Recovery Associates, LLC ( " PRA '' ) purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX   account ending in XXXX from XXXX XXXX XXXX on or about XX/XX/XXXX. Information provided to PRA by XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX by XXXX XXXX whose social security number ends in XXXX, the account became delinquent on or about XX/XX/XXXX and that a balance of {$1200.00} was on the account at the time of PRAs purchase.

Portfolio Recovery Associates, LLC ( " PRA '' ) purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXXfrom XXXX XXXX XXXX on or about XX/XX/XXXX.

Information provided to PRA by XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX by XXXX XXXX whose social security number ends in XXXX, the account became delinquent on or aboutXX/XX/XXXX and that a balance of {$730.00} was on the account at the time of PRAs purchase.

Please can you look into this and obtain documents from this company as they can not supply me with any information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: CHECK INTO CASH INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I notified Check into Cash I was unemployed and was unable to pay at this time. After sending a revocation of account debit 2 times to the company, they still pulled the full amount of {$580.00} out of my account on XX/XX/19 which in turn has caused serious financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had received a letter in the mail from US Bank.The letter stated that an application for a credit card using my personal information was received on XX/XX/19.The address on the application was NOT the correct mailing address that I currently use.I tried using the verification number to call and find out what was going on and after being on held for fifteen minutes gave up.I filed a report with my local police department but also want to file a complaint with the proper governmental agency that handles such complaints

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 2018-05-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was in an auto accident XX/XX/XXXX and the car was classified as a total loss by XXXX. They sent SANTANDERCONSUMERUSA the check for the vehicle {$16000.00} minus my {$1000.00} deductible on XX/XX/XXXX. I was left an underwater amount of {$6500.00} since I had GAP insurance XXXX  electronically sent {$5600.00} to SANTANDERCONSUMERUSA on XX/XX/XXXX. I swiftly paid the remaining {$940.00} out my pocket which was the deductible but they refuse to apply the GAP to my auto loan to XXXX  it out. GAP was supposed to help me pay this car off swiftly so I can finance another vehicle. SANTANDERCONSUMERUSA continues to add interest on my account and ignore the GAP payment sent. I was informed by XXXX   after numerous attempts for help that SANTANDERCONSUMERUSA applies this when they feel like it was her exact words. This can not be right and something needs to be done to these negligent companies who abuse there fiduciary duties with unethical business practices soley for there own financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: AMERICAN EXPRESS COMPANY
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
I sent in wrong file on the previous case. Reference case XXXX I am attaching new information police report

Company response to consumer: Closed with explanation