BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: Nelnet, Inc.
State: NY
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:
as of XX/XX/2018 my nelnet total balance was {$4000.00} with " standard '' repayment option and {$120.00} of payment scheduled on XX/XX/2018. XX/XX/2018 I received an email from nelnet notifying that there is balance adjustment. I logged into my nelnet account on XX/XX/2018 and I found my balance as {$4700.00} with " pay as you earn '' repayment. my interest rate for my accounts are 4.25 % and 3.15 % and i feel like nelnet made balance and repayment option change to earn extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2018 I received a letter from XXXX 's XXXX XXXX that due to a credit report that THEY pulled from Equifax ; a credit reporting agency that was breached by cyber criminals and did notify me that my information was stolen, that they were reducing my credit limit from {$2000.00} to {$1500.00} because Equifax reported that " proportions of balances to credit limits on bank/national revolving or other revolving accounts is too high. '' Because of XXXX 's decision, they have caused this account to show that my balance to credit limit is too high thus affecting my credit score to be reduced by ANOTHER 32 points and destroying my credibility with other creditors! I am a XXXX veteran and am on a fixed income and because of credit card companies practices to do this to XXXX veterans and keep us from building our credit worthiness, this is discrimination! XXXX 's also only uses ONE credit reporting agency and does NOT consider the reports from XXXX and XXXX in making their decision which clearly shows their bias decision!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
State: WA
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 filed a dispute with Equifax concerning a collection account by XXXX XXXX and XXXX XXXX. The same company. At the same time I sent a Certified letter to XXXX XXXX XXXX wanting a " proof of claim ''. I also sent a " cease and desist order '' to them. They did not supply any proof of claim and ignored the demand. During this time XXXX XXXX XXXX AKA XXXX XXXX sent a notice to Equifax saying the collections account was valid. They did not supply ANY PROOF of their claim. Equifax says the collection agency is not required to do so. This is completely ludricrous. That the most dishonest agencies on the planet are allowed to ruin somebody's credit and all Equifax has to say is they report what a collection agency says whether it is correct or not. On XX/XX/2017 my credit score rose by 28 points back to what is was before. But Equifax left the collection agency on my report. After I told Equifax I am disputing the collection agency 's results and told Equifax that I was filing a complaint with the CFPB they immediately lowered my credit score by 28 points the same day. It is completely clear Equifax is Retaliating against me for daring to say they made a mistake and demanding another dispute be filed with the collection agency. Equifax does not have the legal right to retaliate against me for daring to not agree with them and demanding they fix the situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 tried since XX/XX/2017 to have XXXX, XXXX & Transunion correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?

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 2018-04-18
Company: JPMORGAN CHASE & CO.
State: PA
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:
My chase bank credit card account is charged without my approval and without my authorization by the XXXX XXXX XXXX for my travel though I have purchased a valid travel ticket for the journey. My Chase bank credit card account department denied my request to reverse charges and wants me to pay to airline.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from XXXX XXXX stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and XXXX XXXX is still reported that I had a balance on my loan two months after my loan was paid in full and XXXX XXXX sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my XXXX XXXX loan that the balance was still owing but that I was now 60 days late for both XX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan in XX/XX/XXXX. and XX/XX/XXXX. These reports are incorrect but XXXX XXXX refuses to update their records and the 3 credit bureau 's are not updating their records 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 2018-12-06
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I get XXXX sales calls re : Mortgages a day and its ridiculous. I want it to stop

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 2018-06-28
Company: CITIBANK, N.A.
State: NC
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:
On XX/XX/XXXX, I paid off my Sears MasterCard with a balance transfer on a lower interest credit card. I called Sears that morning to find out the exact amount of payoff. The transaction was made on XX/XX/XXXX, the payment was made to Sears on XX/XX/XXXX. 
( I have credit card statement showing this ) After transferring the balance, I received a statement in the mail from Sears, which I will be honest with you, I did not open as I knew I had paid off the account and assumed that is what statement was, showing my payoff. 

I then received another Sears statement in the mail the following month and not understanding why I would be receiving another statement I opened it and to my surprise it showed that I owed {$100.00} The statement shows my balance was paid in full, but not posted until XX/XX/XXXX. The payment was made the morning of XX/XX/XXXX, and was confirmed with Transfer credit card that same afternoon. 

After posting my payment a day late, they charged me {$37.00} late fee, dated XX/XX/XXXX and then {$33.00} interest charges dated XX/XX/XXXX. 

Another {$37.00} late fee on XX/XX/XXXX and {$2.00} interest dated XX/XX/XXXX. At this point I called them to try to find out what was going on. I was told that the payment was not posted to my account until XX/XX/XXXX. I explained that I had the credit card statement showing that the transaction was processed on XX/XX/XXXX and was told by a Sears representative that " Even if your payment came in on the XX/XX/XXXX, it was not posted to your account until XX/XX/XXXX, which is late '' ... How is it my fault that they didn't process the payment on the due date? I mean if that is the case, the company could choose to process payments any old time they felt like it couldn't they? 

Sears was unwilling to waive the late fees. The interest they are charging me on my XXXX statement is clearly for the full amount which even by their own admission, Payment in full had already been made. There is no reason I should owe that. I called to find out payoff amount. The rest of the interest is on late fees. 
Can you please help me settle this? I do not feel that I owe them anything else. I PAID OFF my account in full on the day that it was due! 

Thank you, XXXX XXXX XXXX/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 monetary relief
Consumer complaint received 2021-05-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hey so I tried to open a business account onXX/XX/XXXXat a branch in New York. They said that they cant open my account because of a prior situation in 2014. Chase had closed my account in 2014 and I was never sent any documentation as to why. So much was going on at that time that I just used another account I had instead and didnt really investigate further. Fast forward to now, I hold a XXXX XXXX, own several businesses, own property, no criminal record, and I pay my taxes. I am what you consider a model citizen yet I am being denied banking opportunities. Im also XXXX American. I would like this matter investigated because there is no reason I should be denied opening up an account with anyone in the world. 

Name : XXXX XXXX ssn : XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a NetSpend premier card for my payroll direct deposit. My paydyis on Monday. I have used the same card for nine months and usually get my deposit on Sunday night. On XX/XX/2018 I did not receive a direct deposit. NetSpend said it was an issue with my job not sending a deposit. I talked to my job who emailed our payroll. My payroll then sent an email to my job from NetSpend that said there was an issue with the bank and my deposit would be made no later than XXXX XXXX on Monday XX/XX/XXXX. At XXXX XXXX still no deposit I called NetSpend who tried to tell me again that my payroll never sent a deposit and when I told them my job got an email from them saying there was an issue with the bank they changed their story apologized and said XXXX had maintenance issues and it would be deposited no later than XXXX. At XXXX still nothing. NetSpend then said the deposit was for sure going to be posted before midnight. It is now XXXX XXXX Tuesday XX/XX/XXXX and still nothing. NetSpend is now saying they are working on the problem at XXXX. XXXX says they do not have an email on the deposit. And since this morning XXXX has disconnected the phone lines. XXXX says it's an issue with the federal reserve. The federal reserve says it's an issue with XXXX. I have bills due. Rent due and still no paycheck. My deposit was for {$300.00}.

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 2020-11-14
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: Investigation took more than 30 days

Complaint:
There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation

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 2021-05-01
Company: CITIBANK, N.A.
State: UT
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:
Hello. 

I submitted a {$2000.00} payment to my Citi Premier card on XX/XX/XXXX. At the time of making the payment I was told that it was applied to my available credit immediately. I later checked online and found out it wasn't applied, so I called in and was told it would be applied to my available credit on the next day. 

On XX/XX/XXXX I called and was told it still wasn't credited and was on hold until XXXX. However, I was told that I could call in after it cleared my bank and it would be applied. 

On XX/XX/XXXX I called in and confirmed that it was still on hold until XXXX. Since it still didn't show as cleared with my bank I was told I had to wait and call back when it had cleared. 

On XXXX the payment had finally cleared my bank on XX/XX/XXXX, so I called in and was told that they would not call my bank, and instead I had to wait until XXXX. 

That is unacceptable for Citibank to hold my payment for 10 days without allowing me to use it. Especially since I was told differently three different times. 

Citi must be held accountable and live up to what they say.

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 2021-05-01
Company: EQUIFAX, INC.
State: FL
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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Navient Solutions, LLC.
State: MA
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:
The two accounts listed below does not belong to me and it is fraud. 

Navient account number XXXX Navient account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: CONRAD CREDIT CORPORATION
State: IL
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 signed an agreement with XXXX XXXX XXXX XXXX  that is managed by XXXX XXXX XXXX to purchase a timeshare. Fraudulent sales techniques were used by the XXXX XXXX XXXX XXXX during the point-of-sale, I became aware of the many omissions, misrepresentations and undisclosed terms that were not properly disclosed to me prior to signing the timeshare agreement. The majority of the misrepresentations that were made by the sales representative had deluded my judgment and misguided me into the purchase. Conrad Acceptance Corporation is now attempting to collect on the Account. The last collection notice I received from Conrad Credit Corporation was datedXX/XX/XXXX and sent to me by XXXX XXXX a Collection Representative. Because the account is now negatively impacting my credit and stopping me from getting a home loan, I sent a Debt Validation Request dated XX/XX/XXXX, back to Conrad Credit Corporation to dispute the debt they attempt to collect. To date I have not received any other notice or correspondences from Conrad Credit in regards to the account or my debt validation request and they still show up on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent 4 letters to TransUnion asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.

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 2020-05-12
Company: Io, 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: Account information incorrect

Complaint:
I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in May, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. My score dropped significantly and I'm in the middle of getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
Have opened several disputes with equafax for something that should have been removed. I gave proof it should be removed. Can not open dispute report. Called and was told they would resend and I requested a copy be mailed. Still can not get results and no copy mailed. Still not removed from equafax and only equafax will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company haved call numeros of time before XXXX XXXX  and after XXXX XXXX. They have said they were going to take me to court and sue me for everything I have. I told them my information was stolen and they said it is not their problem. I'm hearing my credit for getting a home for my family. These companies are the ones I called and stated are not my accounts. PORTFOLIO RECOV ASSOC XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Risecredit, LLC
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: Information belongs to someone else

Complaint:
This is my second dispute notice and as I was going over my credit report once again I noticed an account that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : RISE/XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIED THE INFORMATION ON FILE FOR THE DISPUTED ITEMS PURSUANT TO SECTION 609 of the FAIR CREDIT REPORTING ACT

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 2018-06-28
Company: Collection Bureau of America Ltd.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX XXXX XXXXXXXX. I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX  has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.

Company response to consumer: Closed with explanation