BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payments for several years on a consolidated parent PLUS loan, serviced by Nelnet. Most months I pay more than the required minimum, however my statements show 100 % of nearly every payment goes to interest and nothing to principal. Ive asked how I will ever pay it off if its all treated as interest only payments? They just said thats the way they have to do it. Im supposedly on an extended payment plan so I asked for an amortization schedule. All they sent me was something showing my loan amount and amount of monthly payment, I dont think the personnel Ive spoken to and emailed even know what an amortization schedule is. Im thoroughly frustrated trying to get this information. I even asked them where I can file a complaint about Nelnet and they ignored my request-I cant find it on their website either. Im pretty sure if they are servicing federal student loans they have to provide information about how to file a complaint. I had to research it myself and found this website, so Im hoping to get the assistance I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Telerecovery Corporation
State: TX
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2017-10-18
Company: Conn's, Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX breach have ruined me please have them remove the inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: FIRST MIDWEST BANCORP, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 originally opened this account for a {$10000.00} personal loan and then not long after opening, it was refinanced through XXXX. They told me that they would pay off my existing loan with First Midwest. I had my account set up for autopsy, so if there were any balance left then it should be taken card of. I wasn't notified of this remaining balance until I saw it on my credit report. It was stating that I was at least 60 days late on a bill. I was shocked to see this as I have never been late on any payment in my life and did all I could do to keep my score at nearly 800. Since this happened, my score dropped to about 675!! I just want to have my score that I have strived for all my life! One misunderstood item, and I lost everything I have been working towards. I was in the process of moving and had changed my address with the local post office, but I'm guessing that First Midwest decided to ignore this information. I paid this account off in full as soon as I learned of it's existence but it was too late. I should not be penalized for another companies negligence!

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 2020-02-28
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have as many as ( 3 ) accounts with false information on my credit reports. On Equifax, it still shows that my account with XXXX XXXX XXXX is unpaid. I got a paid in full letter from them last year stating that it was a paid in full account ( as of XX/XX/2019 ). This may or may not be on XXXX  ( I do not have an account with them ). There was also a bill from XXXX that I also paid in full in XX/XX/2019. I was also under the assumption that a collection bill from XXXX XXXX XXXX that should not have been on my credit report had been removed in XX/XX/2019 when I disputed it. According to XXXX, who I applied for a Credit Card with, it is still on my Equifax Credit Report. It wasn't showing when I logged in to view my credit report, but the fact that XXXX XXXX XXXX may not have done their due diligence to remove it, or that Equifax is still reporting this is damaging my credit score unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: SECURITY FINANCE CORP
State: TX
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, contacted TransUnion about the following negative accounts XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief
Consumer complaint received 2020-02-28
Company: CITIBANK, N.A.
State: WI
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 credit card with Citi Corp through Costco and the rep, XXXX told me over the phone that I do not have any late days past 30 days from my statements, He advised me the longest I've ever been past due was 8 days with does not constitute being late. I asked for him to remove the late fee of {$33.00} and he did but did not remove the 30 days past due. As you'll see in my attachment, I have a 30 days late on there and he advised me there isn't one but there is. This is strongly affecting my credit ratings as I'm trying to purchase a home. 

Best, 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 explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$20000.00}

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 non-monetary relief
Consumer complaint received 2020-02-28
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:
I have reached out to you all about several items on my credit that is not mine. I have also sent in a copy of my police reporting and documents and these accounts are still on there. Im reaching out one more time before I seeking other options XXXX XXXX. XXXX XXXX XXXX. XXXX. I have contacted the FTC and my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and JPMCB Auto. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is JPMCB Auto Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is JPMCB Auto Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Subject : 7-10 business days waiting period for credit availability after payment has been debited in the checking account. RIDICULOUS!!!! 
1 ) paid {$1500.00} to barclaycard credit card on XX/XX/2018 ; money was debited on the bank on XX/XX/2018. 
2 ) supervisor of the credit card promised to make credit available on XX/XX/2018 XXXX ( EST ) but did not happen. 
3 ) i have been with this card for the last three years. not even one miss in ANY OF my payments. and i have used this bank account for payment before. 
4 ) called customer representative and keep telling me that i should wait. they are even refusing to give me the names of the representative and supervisors name ; called XX/XX/2018 XXXX XXXX ( EST ) and XX/XX/2018 XXXX XXXX ( PST ) 5 ) in my history of payments in this particular card, i have always paid in bulk or in a large sums of money. and yet they would not even take that into considerations 6 ) PLEASE HELP ME.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit 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 non-monetary relief
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reached out to you all about several items on my credit that is not mine. I have also sent in a copy of my police reporting and documents and these accounts are still on there. Im reaching out one more time before I seeking other options XXXX XXXX. XXXX XXXX XXXX. XXXX. I have contacted the FTC and my local police.

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 2022-10-21
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I called Bank of America on XX/XX/XXXX to make payoff of loan. Spoke with customer service who provided me with a pay off of {$9100.00}. Now the bank states I owe them {$110.00}. 
Starting XX/XX/XXXX my balance was XXXX my interest per day was at {$5.00} per day. 
XX/XX/XXXX payment of {$380.00} bringing my balance to {$18000.00}. 
XX/XX/XXXX payment of {$10000.00} on principle bring my balance down to {$8900.00} and my % to {$2.00} per day. 
XX/XX/XXXX payment of {$9100.00}. giving me at credit of {$110.00}. 
Now from XX/XX/XXXX - XX/XX/XXXX there where 35 days @ {$2.00} per day= {$80.00} interest from XXXX. 
Also BofA states I got a NSF of {$25.00} Total {$100.00}. 
Being I had a credit of {$110.00} - {$80.00} int % - {$25.00} NSF fee= {$5.00} Credit. 
Bank of America state I owe them {$110.00}. Which is incorrect based on all the numbers I was given on a recorded line with XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX  till 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 2022-10-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2020-02-28
Company: Bread Financial Holdings, Inc.
State: IL
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:
Hello, I am still showing an account on my credit report from XXXX XXXX XXXX that is now owned by XXXX XXXX XXXX. This account is more than 10 years old. Furthermore, this account was found to be invalid. The original creditor was Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$3700.00}, {$0.00}, {$8800.00}, {$5400.00}, {$1000.00}, {$410.00}, {$9200.00}, {$2100.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 


-- XXXX ACCOUNT -- 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not 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 non-monetary relief
Consumer complaint received 2020-02-28
Company: Experian Information Solutions 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:
I have reached out to you all about several items on my credit that is not mine. I have also sent in a copy of my police reporting and documents and these accounts are still on there. Im reaching out one more time before I seeking other options XXXX XXXX. XXXX XXXX XXXX. XXXX. I have contacted the FTC and my local police.

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 2021-06-10
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed XXXX on XX/XX/2021 and filed my FTC report to verify a debt that was reported in the amount XXXX that was never verity and they sent the debt to a debt collector. They are in violation of 15 usc 1681b.

Company response to consumer: Closed with explanation