BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet Student loan servicing is deceiving me.

I have been fighting this loan since XX/XX/2016. This was not my loan, everytime i told a lender that they would sell my loan to a new lender and then i would have to start the entire process over. When nelnet called me in XXXX, i tried to explain they didn't want to hear it. I asked for a forebearance. It was granted. When the forebearance was up in XXXX, i still wasn't able to afford the payments, due to living costs, IRS payments, etc ... I am financially drowning and i have to pay a debt that someone else benefited from. In XXXX before the first payment was due, i requested a lowered amount, they stated that i would be charged $ XXXX/month for 12 months. I again stated that this wasn't my loan and i was told that i had to comply with it or get my wages garnished. They made me accept the terms on a recorded line when i responded to their disclaimer with : " it's not my loan but okay '' they said all i could say was yes or no. If i said no, they would take legal action. I have tried to talk to them but i get disrespected on the phone and by email they want my SS #, this is the way ID fraud starts ( it's happened too many times to me ). I am beat down by this and want a resolution. I can't afford this right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions Inc.
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 requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: LA
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:
please remove fraudulent/ unauthorized closed account ( XXXX XXXX XXXX XXXX ) Opened Feb 2020 off my report or provide proof in writing within 30 days

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 2018-01-20
Company: ERC
State: TX
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:
I sent XXXX XXXX XXXX balance of XXXX a letter asking to provide me with proof of verification and validation of documentation of original contracts with signatures. I received back saying it was verified. I do n't think they did a fair and thorough investigation per the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Saturday XX/XX/XXXX, I paid the entire payoff balance of my loan which was {$6700.00}, {$2000.00} more than the balance remaining on the loan. I saw the payoff amount and paid that instead of the balance remaining. Notwithstanding, my experience with 5th 3rd has been the worst lending experience of my life, full of crooked fees, " computer '' and crediting errors and staff that mocks and disrespects their customers. 

On XX/XX/2019 I logged in to the account and it said I had a reaming balance of {$610.00} WHICH IS ABSOLUTELY ABSURD as I have already paid the PAYOFF BALANCE. This is just another example of a 5th 3rd SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
I have a temoultuouls problem with Portfolio Recovery Associates. As an update to my credit report they have closed the account XXXX ( {$440.00} ) and XXXX ( {$450.00} ) with XXXX ; XXXX ( {$440.00} ) and XXXX ( {$450.00} ), with XXXX. I received a letter from them stating the account is still open but the bureaus are reporting these accounts closed. As a courtesy to me, I would like these accounts closed and deleted. I would not like to receive anymore letters from PRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: NY
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:
I have unrecognized hard inquiries on my credit card, which I did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer a credit. 

Hard Inquiries by these companies on these dates was not authorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: Ocwen Financial Corporation
State: AR
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:
XXXX OWES US $ 330k from bk XXXX and illegally reporting tradeline after so.l. 
expired

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
I had a credit card account with XXXX  XXXX and it was charged off. I entered into a settlement to pay off an agreed upon balance. I made monthly payments and paid o Everything that was agreed upon. For some reason, XXXX and XXXX recognize that I have a {$0.00} balance and account is settled, but TransUnion doesnt recognize this. I just want accurate information on my TransUnion 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 2019-07-21
Company: Shellpoint Partners, LLC
State: AR
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:
XXXX OWES US $ XXXX from bk noXXXX and illegally reporting tradeline after so.l. 
expired

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an account ( XXXX XXXX XXXX  ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from Experian that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from 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 non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX 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 2021-06-25
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 is missing that should be on the report

Complaint:
Hello, I have 2 companies XXXX XXXX and XXXX XXXX who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.

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 2022-01-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I traded cars with XXXX  officially signing the documents on XX/XX/2021. At the time of the deal I sent XXXX  a 10 day payoff from XXXX XXXX XXXX XXXX. The amount to be paid off was {$15000.00}. 

They brought my new car on XX/XX/2021 and picked up my trade in at same time. 

Despite having my car, and my down payment plus, Id assume, Chase Banks payout for the new car, as of XX/XX/XXXX, they still hadnt paid off my car. Since I had a payment due that day I called XXXX  and they said to make the payment ( approximately {$600.00} ) and they would pay the agreed upon amount, then XXXX would realize the overpayment and pay me back the overage. 

So I made the payment.

XXXX  had my old car listed on their website by then. 

By XX/XX/XXXX they still hadnt paid off the car loan. I called them AGAIN and they said it was being done. 

Finally on XX/XX/XXXX, they paid off the loan on my trade in. 

BUT THEY paid off the current loan amount, which by that time, over a month at the time wed signed the contracts and Isd paid the down payment, had accrued additional interest ABOVE the 10 day payoff anf not only that they paid off just the balance, not what was agreed. In other words, I made a payment on a car I no longer owed under good faith that XXXX  commitment to me was to pay off the agreed amount. Instead the my stole my payment. 

Subsequent calls..Ive called XXXX  and been told its the Loan Department Tier 1 who should handle this but Ive run outta time with these clowns. Being on hold for an hour then being hung up onwhat a bunch of shady characters. Youd think theyd be thrilled to have sold the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter has been going to preschool from more than an year in the XXXX XXXX of XXXX XXXX. we used to pay XXXX $ in cash to the school every month. My daughter started to get sick from XX/XX/2018 onwards due to some XXXX XXXXXXXX. we stopped her from going to school for almost 2 weeks. After that she got recovered a bit and then we started to send her to school. Again in next month she struggled with the same issue and we stopped the school for over a month. we asked School head ( a lady ) to stop the school for winter since she is not feeling well due to winter. But she convinced us telling that she has to come so that she will get some immunity. The situation continued she was running on antibiotics for over a month we are very frustrated and sad with her situation and then we changed the school sometime in XXXX. Until XXXX we paid all the fees and don't owe anything to the school. 

After this we started getting calls from her telling that we owe one month notice and has to pay one month school fees again. I told her and sent her email that this was happened. she threatened me that she will contact debt collection agency if we didn't pay. i said it is because of her we struggled a lot with my daughter 's health. 

Once i got a doubt and i went and i checked the conditions of the school in XXXX. I realized she is not following the XXXX rules and each teacher was given more than 10 children to take care of and the premises are also not clean. The bathrooms are not clean and kids will easily get sick in those conditions. The air conditioning is not clean and is full of dust which pumps it to the kids play area. 
I hope they realized it at least now. 

Now the debt collection agency come and tries to send a collection notice. They don't even know what happened and struggle we went through with the school environment. 
Now they opened a debt collection account on my name and it is now affecting my credit score. This is all happening because of a greedy and corrupt school head teacher.She thinks of school as a business and is playing with the health of many kids especially in winter. The kids does not even have good play area indoors to play during winter. She is still arrogant and uses unnecessary word in the phone call. 

The CFPB should have some enquiry done on this School. The school name is XXXX XXXX XXXX XXXX XXXX. First she don't provides invoices regarding the school fees. I don't know that until i move to a good school where they maintain accurate records. Whenever i pay the fees in cash she used to smile at me and take the money in cash with out hesitating. She does not follow the rules and also might be skimming a lot of money. 

Please beware these kind of schools and greedy school owners.

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 2019-07-21
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert from my credit bureaus stating my credit account has dropped due to a collection account, never opened an account with afni and it just showed up on my report. I was never contacted by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX ; I attempted to get my online annual credit report from Equifax, and they denied my request. They ask 4 questions to prove my identity, but obviously there must be some false info on my credit file about my opening an account in XXXX ; which I did not. So now they will not let me see my credit report to check if the info is correct, I tried the phone number, but they said that I am not qualified to get a free credit report even though I have been recently denied credit. What a scam, they harbor false info about me me then they block me from being able to check, which prevents me from correcting it. They should be subject to huge fines for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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: Account information incorrect

Complaint:
I have 2 accounts in collections that aren't supposed to be because they were paid off. Other inquires on account aren't me/accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have called Portfolio Recovery numerous times to stop calling me. They are looking for someone else. They repeatedly call, threaten, etc. They even started calling my place of employment looking for someone else. When ever I call them to tell them to remove the number that it is wrong, they get nasty and hang up on me, forcing me to have to call back and give them the other 3 numbers that they are calling. This is happening on a daily basis before XXXX, every 15 min or so on my cell phone, then they call my place of employment multiple times per day and fill up my voice mail with silence. If I answer the call I get silence. This has to stop. I have sent a written cease-and decist, even threatened to sue them all to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: American First Finance, 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: Account information incorrect

Complaint:
I opened an installment loan with American First Financial on XX/XX/XXXX in the amount of {$450.00}. This account was paid in full on XX/XX/XXXX. Currently it is still showing up on my XXXX  report as being open with a balance of {$450.00} and no record of each month the item was paid on time. Approximately XX/XX/XXXX I called American First Financial to make them aware of the mistakes and to seek resolution. I was told at that time that they use a 3rd party to report to the credit bureau. They would email them and make them aware. I called back to AFF the  next day or two to make sure the 3rd party had received the request. I was told at that time by AFF that they could not give me any more information because the 3rd party doesn't have a phone number. All they could do was email them and they've already done that. I would have to wait 30-45 days to see if it had been updated on my credit report. Approximately 7 days later I followed up to AFF with another phone call. I asked if they had received any sort of response from the 3rd party at which time I was told they had no information from the 3rd party and again they could not follow up with them because they couldn't call them because they don't have a telephone number and all they can do is email them which they've already done. On approximately XX/XX/XXXX I visited American First Financial 's website where they have a section you can email them to report issues with your credit report. I wrote them an email outlining everything I am in this email. As of XX/XX/XXXX I have heard nothing from AFF and the inaccuracies are still on my Transunion report. 

I'm trying to purchase a home and I can not afford to have any inaccuracies on my credit report. I also made this clear to AFF.

Company response to consumer: Closed with explanation