BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I cosigned a student loan for my daughter with Sallie Mae in XX/XX/2020..I requested paper billing statements to pay my monthly payment as I do not pay any bills online. Since then I have not received any loan documentation or billing statements as requested. I have contacted Sallie Mae five times via phone and my daughter contacted them by phone as well. Each time I was told billing statements would be sent out the next day. The only thing I have received from Sallie Mae is 4 threatening letters regarding my " nonpayment '' and the impact it will cause on mine and my daughter 's credit score. I also have received phonecalls from them threatening the same..AS WELL AS ... overnight XX/XX/XXXX deliveries of more threatening letters ... but still..NO BILLING STATEMENT OR LOAN DOCUMENTATION!!! Please help before they attempt to harm my daughter and my credit score ... I have been trying to pay yhis bill since day one and they wont allow me to!! 
Thank you ... .XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After contacting Experian XXXX and monitoring services and XXXX several different occasion, and speaking with supervisors and representatives, they send have not corrected the error. The XXXX  XXXX XXXX XXXX minoring company say Experian and XXXX is not reporting in a timely manner to these monitoring companies in order for them to correct the error 's that's effecting my scores. I notice after paying my credit card billed over two months ago, it's still showing a balance and the reason being is the 2 credit reporting agency is not reporting timely and this should not be happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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:
I am absolutely livid that someone has literally stolen my whole identity and just getting away with it. They even were able to file bankruptcy in my name and just continue living like they were me to open MORE accounts. This is the 3rd complaint I have wrote and it seems to have done nothing to help me. I have filed a police report and a FTC report and disputed all fraudulent accounts with all 3 bureaus and they have done nothing to help me. I sent everything they asked of me during the dispute and it seems Im just ignored. This should not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Terrill Outsourcing Group
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered fraudulent charges on my credit card around XX/XX/XXXX. They were apparently for a cell phone lease from a company called XXXX XXXX XXXX, which I have never heard of and certainly never done any business with. I reported the fraud to my credit card company who invalidated the charge and issued me a new credit card. Much later, in XX/XX/XXXX, I received notification by mail from Superlative RM, a debt collection agency. Even though I had reported the charge as fraudulent to my credit card company, and its not a debt that I owe, Superlative RM was attempting to collect this debt from me in the amount of {$1100.00}. I replied immediately by mail, telling Superlative RM that I dispute the debt and demanding to see a copy of the judgement against me and any documents related to that judgement, including the name and address of the original creditor. Superlative responded with a letter dated XX/XX/XXXX that showed details from the original purchase through XXXX XXXX XXXX. It revealed that the criminal who made the charges used my name and address, along with an email address Ive never seen before. The IP address associated with the transaction originated in XXXX, NY whereas I live in XXXX XXXX, MD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX : It appears that the first letter I sent was verified and I dont agree. I have attached the second letter onto the attachments down below. Your company has violated my rights within The FCRA section 609. You didnt use the correct steps in verifying the inaccurate accounts and errors youve claimed to be mine and forcingly placing accounts on my report. I asked for the steps of the verification method because I know that the FCRA SECTION 609 states that you must have an original contract showing that I owe a debt along with the signature shown on the original contract. I have asked for that and I havent gotten a respond from any of your credit bureaus. Its been a total of 90 days. No creditor has responded within that time as well and all the inaccurate items should be removed immediately. My next step is to file a complaint with the FTC if you dont remove the accounts immediately. This is my second letter and I am keeping record of all the letters and documents that have been sent to your company. If this continue with anymore reports showing verified I will be forced to go down to the county court house in XXXX Georgia to file a lawsuit upon your companies. This is a warning. I have attached pictures of the inaccurate accounts and inquiries to be removed along with a 2nd letter of warning. Also pictures of my passport and social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
Company: BARCLAYS BANK DELAWARE
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:
I've reached out to the collection company " XXXX XXXX XXXX '' on XX/XX/XXXX who stated they were unable to receive the original consumer credit contract from creditor ( Barclays ). I've reached out to all three credit bureaus regarding this matter. I've reached out to Barclays to request the original consumer credit contract. According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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: Old information reappears or never goes away

Complaint:
XXXX  and Transunion are showing my old child support account that first went delinquent back in XX/XX/2010. I have called them and told them this is an old account but they keep telling me that the account is only showing as delinquent for the prior month. I dont know if they keep removing the previous years and re-adding it or what. The debt is over 7 years old and should be removed from my account.

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 2021-01-31
Company: CL Holdings LLC
State: CA
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 received a collection from aJefferson capital ( XXXX XXXX  ). which I do not. I have to do reached out to XXXX XXXX but no person to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are two hard inquiries on my credit report that I did not authorize. On XX/XX/ 2018, I attended XXXX XXXX in XXXX IL to purchase a car. I signed the disclaimer stating that they will run my credit. In which it is posted on my credit as an automotive inquiry. However, I did not authorize them to run my credit with third parties such as XXXX XXXX as an National Credit Card inquiry or XXXX XXXX as a Finance inquiry. I am writing to have these two inquiries removed from 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 2020-08-28
Company: CNG FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am being threatened over a XXXX dollar payday loan which I had no idea if the bank had covered it I didnt check the bank because I never received any calls about the check not clearing. I was struggling at the time and honestly as time passed forgot about the loan. Approximately 6 year later I get a call from a pre trial service saying I commented fraud by closing my account which is not true. The bank closed my account because I could not get it out of the negative. Lady threatening me is not professional and when I asked for address she kept asking me for case number which she already had because she called me by my name. When I confronted her she hung on me and I never got the address because she refused to give it to me. Last week when I talked to her she told me I had a court date for XX/XX/XXXX which was following day but since I had not received the papers it would be rescheduled. Today when I told her I called my local court house and they had nothing to serve me she said its because it hadnt been filed which was a lie obviously. The company was check n go where I got the loan but this is the number I was called from XXXX. They even told my job I committed fraud which isnt true but not professional or very confidential

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im receiving letter of a debt from portfolio recovery, i dont know who this people are they are saying that they are on behalf of XXXX XXXX XXXX and i have never had an account with this people and i have no idea how they always get my new information plus they always threating me saying that i will get into trouble if i dont pay and they asking me personal question like my social my date of birthday my address and what kind of car i drive. Im a little freak out. I dont own any money to this people and i want them remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Contacted a family member and discussed private information. Further, upon questioning, provided a reason of " you must have called us from that number before ''. This is 1. A privacy violation and 2. Not a valid reason even if the latter statement is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have Wells Fargo credit card. 
Payment was due on XX/XX/XXXX for {$16000.00} some change As usual I have submitted payment on XX/XX/XXXX thru Wells Fargo website. The money was transferred to Wells Fargo on XX/XX/XXXX from bank to Wells Fargo as an ACH transfer. 
On XX/XX/XXXX I tried to charge {$2400.00} on credit card which was declined, after calling Wells Fargo they said they have not received money from bank thats why they put a 15 day hold then I called my bank to inquire why the money was not sent to Wells Fargo even though money was taken out of my account they said they did send the money to Wells Fargo thru ACH. 
I called Wells Fargo second time then they tell me they did receive money because of large amount they put a hold on for 15 days, I have reminded them we are not in XXXX or XXXX we are in XXXX I submitted for payment on XXXX and they submitted to my bank XXXX and my bank sent the money on XXXX. They said there is no guarantee it could take up to 30days to have access credit that has been posted to your account. 
I went ACH website it says funds are normally cleared within 3 to 5 days. 
My feeling is because I pay my Cc balance fully every month they are restricting home much I charge because they are not making any money from me using their credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bad high impact on my credit report by XXXX claiming that I owe XXXX on my last bill before leaving XXXX phone company because its horrible customer service. I paid in full the last bill than canceled my account while in the store. XXXX is claiming the cancellation wasnt done and charged me for an additional 3 months including the device cost because the store representative did not return the XXXX  equipment to the headquarters before quitting. The amount XXXX claims I owe is ridiculously high and has caused my credit score to drop, these practices are unfair for a person who pays all his bills on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Recently Yamaha Finance XXXX XXXX acquired all loan accounts from XXXX XXXX. My loan account was one of those that was acquired. I have tried time and time again to get in touch with someone that can help with the clearing things up with my payment that I made to XXXX XXXX  in on XX/XX/2019. Yamaha has failed to credit my account for that payment and as of XX/XX/XXXX is saying that my account is past due and I need to pay {$300.00} which is double the monthly payment that I agreed to when signing the loan agreement. Also my normal closing date for the loan is the XXXX of each month. Yamaha failed to honor that when they took over my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On or about XX/XX/2020 I disputed several items with Transunion. Transunion failed to investigate the following disputed items on the credit report within 30 days. In addition they failed to provide the information on file for the disputed accounts evidencing proof that i engaged in a consumer transaction..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a loan and needed my EQUIFAX security freeze removed. Firstly, I attempted to remove said freeze via online, but with no success. I kept receiving a message to call a customer service representative. Secondly, I called per instruction, but again, with no luck. I kept getting the run around, being transferred to various individuals and departments. Finally, and conveniently, a representative said the department I needed to speak with was closed for the day. Then, after calling for the third time, a recorded voice said to fax your full name, addresses for past 5 years, social security number, date of birth, copy of driver 's license, and a brief summary of request to XXXX. Thirdly, I faxed said information, along with my home and email addresses, and telephone number. Again, nothing! I have never experienced such ineptitude with the other two credit reporting bureaus. Even EQUIFAX 'S verification questions were bizarre. I had to answer every one with " None of the Above. '' It was as if, I was given someone else 's questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2021-03-25
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rash , Curtis and Associates in XXXX, CA continues to keep reporting a false amount owed on a debt. The original debt is for {$2900.00}, and they keep reporting is at increasing amounts every month. They have not contacted me properly, and have tried to collect over {$4000.00} for this, and that is not the correct amount. I continue to dispute the amount on my credit report, but all agencies keep letting them report the wrong amount and continue to let them keep adding more to it. 

Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed. Yet, the agencies keep letting them increase it, and the original amount is significantly less. I'm a single, XXXX  mother to a XXXX XXXX XXXX, and I don't know what to do from here. This is not right! 

You can see in the image I am attaching what the original debt should be ; {$2900.00}, and they are reporting over {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from 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