BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-23
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
What I believe happened, is that University of XXXX charged me too much each quarter and semester. As well as their highly paid professors to teach us students online. The University of XXXX at first had me in another program or was going to change me program to reduce my balance. But that did not happen. So I stay in the program that I enrolled in. I did not go to this college to be a doctor or lawyer. But the debt balance should not be this outrageous highly. I am not working in that field because most employers are hiring for younger people. I have refinance and consolidate this high balance of {$110000.00} debt. This is a house payment or mortgage. Which I have neither at this time. This debt continue to appear on all of my credit report and there is no way to hide it on my report. It is too much. I can not get any loan to help me or give me a leg up or a hand up. There is no hope for me in this situation. I am not able to pay this debt off. The previous college that I went to did not cost me this amount of money. There haves to be a way to have this debt reduce down to {$30000.00} NOT up to {$200000.00} or a XXXX dollars in debt. Some of these loan servers and providers have placed me as a victim so I could finish my education on time. When I finish graduating from University of XXXX they said my debt was not that high. I believe the financial department and their admission office and other financial services at University XXXX XXXX had too many students with too many debt and it got mixed up with my debt. I want my debt reduce to a point that I can pay back. Or remove this debt period. It should not be this high. I do n't believe that this debt should be this high. Each private loan provider and federal aid provider itemized the debt and raised the debt with principle and interest rates that most American and students attending college could not pay back in a timely manner. It would take years to pay off this debt. This college charge me way too much. It should not have been that much. I was only there for less than 2 years. What the XXXX did University of XXXX Arizona do to me. I am not working fulltime but only part time and it is not even worth it. Please look into this matter and investigate what happen. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-08-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT The Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 et. seq. ) and its federal counterpart ( 15 U.S.C 45 et. seq. ) give consumers legal protection against unfair or deceptive acts in the conduct of trade or commerce. FDUTPA provides for a private right of action as well as to a unit of government which qualifies as " an enforcing authority, '' whereas the Federal Act only provides a right of action for the Federal Trade Commission. Violation Section 2981, 2981.7., Regulation Z '' the contract did not specified The Financing by Lender to be Upfront Interest Charged on the Loan, as required by Law, Section 2981, 2981.7., Regulation Z '' means a rule, regulation or interpretation, determined on the simple-interest basis promulgated by the Board of Governors of the Federal Reserve System ( `` Board '' ) under the federal Truth in Lending Act.

If the contract includes a finance charge which is determined on the simple-interest basis, the contract shall contain a notice, in at least 10-point boldface type if the contract is printed, reading as follows : " Notice to buyer : ( 1 ) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. THIS WAS NOT IN THE LOAN CONTRACT, XXXX XXXX is a XXXX  Person and Senior Citizen, and by 2011 Florida Statutes Section 501.2077 Violations involving senior citizen or handicapped person ; civil penalties ; presumption. See Exhibit D Decision on Judge Order ( 1 ) As used in this section : ( a ) Senior citizen means a person who is 60 years of age or older.

( b ) Handicapped person means any person who has a mental or educational impairment which substantially limits one or more major life activities.

( c ) Mental or educational impairment means : 1.Any mental or psychological disorder or specific learning disability. 

2.Any educational deficiency which substantially affects a persons ability to read and comprehend the terms of any contractual agreement entered into. 
By this affidavit, I had the auto returned to the finance company, and told them the reasons for violations as described above. This is a true statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent out a 2 letter To Verify The Accuracy On my Credit Report. It's been way over 30 days in I don't have a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be block and remove. They were unable to provide me with a copy of the documentation as proof so i want it removed. 

Also under 15 us code 1681 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2019-08-14
Company: JPMORGAN CHASE & CO.
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:
Hello, I would like to challenge the ruling that was mailed to me recently deny my claim by Chase Bank in regards to the that happened on XX/XX/2019.The charge was due to a Scam in which I was scammed out of over 400 $ by this individual/sneaker retailer.The individual/retailer was contacted by me in regards to some sneakers they had been advertising online .I sent the money through XXXX XXXX for two separate purchases one for XXXX and the other for approx 160 .I would like the transactions reversed due to the fact I never received the merchandise and the merchant has since disappeared and removed all online listings of products.I have contacted my bank and provided them with pictures of the transaction details and they have denied me my reversal .I do however feel like the agent that I intially spoke to has some bias towards me due to our previous interaction prior to the denial .I am a working individual and I have never been late with any payments and have payed off thousands of dollars to Chase Bank credit card .Chase recently sent me 2 letters denying both claims and the explanations for denial sound skeptical.Please help me! 

thankyou for your time and I appreciate your review of this Matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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 is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected soon : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unauthorized inquires on my credit report that does not belong to me and I did not authorize them

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am interested in filing disputes against all inaccuracies on my credit report with Transunion.

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 2019-08-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender has not made any attempt to contact or communicate with me regarding the loan modification process. For the last year I’ve  made several attempts to receive a modification review. I have not received any info from the lender via mail or postal. I did receive a letter with a sell date pending and no info on why I was denied a modification. In order help me better afford the property I have rented out 3 of the rooms. This has given me the ability to afford new terms with my mortgage. I would like to be properly reviewed to be able to get receive home owners assistant in order to keep my home.The renters have also filled a complaint against my property due to the property having mold. Due to the foreclosure status I’m not able to file a claim with the insurance to fix the problem. This has cause exposure to mold to my tenants and myself  because the lender will not communicate with me . I would like to be contacted immediately so I can get this matter resolved. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022, I sent a debt validation letter to [ XXXX XXXX XXXX XXXX XXXX ] company and they has failed to validated my debt, which shows the amount of {$1800.00}.

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 2021-10-11
Company: Experian Information Solutions Inc.
State: TN
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:
Im a victim of identity theft and I have been trying to get fraudulent information off of my credit file. Have reached out to companies and credit reporting Agencies. The refuse to take off fraudulent accounts and refused to show proof that they are my accounts

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 2023-02-17
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it once again, There are accounts that need verifying that are still in my report here is the account that needed investigation : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00} These accounts are inaccurate, I did not incur any late payments. Please update to pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CITIBANK, N.A.
State: TX
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:
Theyre removing good accounts XXXX and 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 2021-03-26
Company: Experian Information Solutions Inc.
State: CA
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:
experian credit agency called to get unauthorized inquiries removed and wouldnt remove them inquiries not authorized are XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2018-09-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM
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 tried to open a checking account and was told chexsystems was reporting on me. So I followed threw and ordered a report. Which had incorrect information. So I sent in a dispute and no information was investigated with supporting documents.The company that chexsyems has not investigated correctly is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Date Reported : XX/XX/2017 Reported for : Suspected fraud activityand any amount owed was paid.There was never any fraud to my account before they closed 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 2021-02-25
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:
TransUnion has been contacted by me several times by certified mail in regards to their continued illegal reporting of inaccurate information and accounts. TransUnion continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. TranUnion has untruthfully stated that they can not grant my request because it was " illegible '' when in fact they have recieved several " Typed '' corespondence from me detailing their illegal activity and asking them to " CEASE and DESIST '' in continuing to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. 3 ). Give a detailed report of how and who verification was completed with. All alleged accounts enclosed in the dispute were also contacted about information being reported. Several of these companies responded and have either deleted these accounts or have no knowledge of the alleged account in their systems. TransUnion continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified as accurate and most do not exist. TransUnion continues to seek information from a third party vendor " XXXX '' and report information from this vendor as " acurate '' when in fact this third party vendor has also been asked to " cease and desist '' in sharing unathorized inacurate information about me. Both TransUnion and XXXX are illegally collecting and providing information that was not authrized by me and I am now due remedy for each violation in accordance with debt reporting law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: IN
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:
See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2021-02-25
Company: Betterment LLC
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I contacted Betterment a number of times over the last couple of weeks to investigate investing with them. The customer service personnel are completely inadequate for the task, unable to answer any questions aside from the very superficial info provided on their website. They gave me the runaround and in multiple calls would not connect me with anyone who had the required knowledge. This broker dealer operates on an unethical scam methodology, preying on those who are not sophisticated enough to know what to ask. A number of times the reps put me on hold for an extended time to try to get answers to my questions, only to come back with promises that they would follow up, with just one email response consisting of just a form letter pointing to the website without the ability to interact for required answers. The last rep told me they would charge me to speak with a more knowledgeable person there to provide information needed for me to decide whether to invest with them! This kind of outfit should be banned. As part of the poor organization strategy, the firm should be more concerned with hiring higher skilled employees that are capable of doing their job properly instead of the focus on " diversity '' emphasized on their website. I had multiple conversations with reps on their main cust support line, XXXX, and corp number, XXXX, where their was only a recording and they never called back when I left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Receivables Performance Management, LLC
State: NY
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 previously sent you a request to validate my debt, RECEIVABLES PERFORMANCE MANAGEMENT account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. 
But you did not provide me with the following : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

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