BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, 1XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any  and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2021-09-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is shocking, I had just filed a complaint because my funds were released contrary to the title of the account you have forwarded the complaint and this bizzare shocker. I made a new savings account in my name and the bank manager Gave me the Bank account card on my new savings account. I took that card in my wallet and informed social security and XXXX XXXX. Shocker XXXX XXXX told me that those account numbers were no mine and a fraud. I checked, those numbers on the card did not match the code .I went to the bank, the manager could not explain that fraud bank card is evidence,. I reported the matter as a police complaint, and it seems the manager has been fired?? at least I did not see here there again. I closed my account and have gone to another banmk. This is very serious XXXX other banks are shocked to see it the evidence which is with the police. This is BMO Harris XXXX XXXX branch at 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 2018-12-19
Company: Avant Credit 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: Problem during payment process

Complaint:
I have 2 issues with Avant Credit card accepting and processing payments.

1. I used my banks bill pay for a {$160.00} payment to Avant. The bank mailed a physical check that was processed by Avant on XX/XX/XXXX and the funds were removed from my bank account. I called Avant on XX/XX/XXXX and I was told the funds were received but would not reduce my available credit until XX/XX/XXXX. I payment made 2 weeks earlier using my same bans bill pay was received and processed in 2 days but because the next bill pay is {$160.00} they are holding it for 7 days. 

2. My current balance on my Avant credit card is {$76.00}. I attempted to make this payment using the Avant website and it will not allow me to make the payment. The error is that the amount it too much. I called in 2 times and I was told by both Avant employees that I can only make a {$40.00} payment using the website or over the phone. I asked to speak with a supervisor and was told they would be unable to assist me. After asking a few times I did speak with a supervisor who was not sure why I could not make a full {$76.00} payment. This credit card company charges interest based on a daily balance. It appears they are refusing to accept full payments so they can collect more interest. Who knows how many people do not understand this and are taken advantage of by Avant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX XXXXXXXXBalance : {$3200.00} XXXX XXXXXXXX Balance : {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$440.00}

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 2016-06-15
Company: Nelnet, Inc.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was a student at XXXX XXXX in XXXX, Montana. During my time there I was enrolled in a special program called XXXX. The college, without warning, dropped the degree field overnight not allowing students to finish. The degree was not transferable. I am now stuck without means to pay off the loans and no way of finishing a degree to pay them off. I have been duped. There is no means to my knowledge to have my loans relinquished which is of very poor taste. Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: EQUIFAX, INC.
State: NV
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:
In XXXX of this year 2018 I pulled my credit report, due to the fact that I was looking for credit. When I pulled my report from all three credit reports, I noticed that there was errors, and information on my credit report that was fraud, and, incorrect information being reported. I then started the process of trying to fix information on my report as, I found out that I was a victim of Idenity theft and, also my credit information from Equlifax was breached, and was never notified by Equlifax. Someone was using my information to open accounts, at different banks, and so fourth. 1. XXXX XXXX  XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX. I sent Equlifax the Identity theft report and, my Driver Licsene, my Social Security Number a bill to prove who I was. I also filed a FTC Identiy theft report, along with the police report. I disputed these accounts and, they were removed. Now I checked my credit report with all three credit companys, and they have been helpful with fixing everything, except Equlifax, they put back on my credit report XXXX XXXX  and, XXXXXXXX XXXX XXXX XXXXXXXX which I never had these accounts they were reported as, fraud. Equlifax did not even send me a letter letting me know that these fraud accounts were put back on my reort. Equlifax, or the furnisher, XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX XXXX 120 days from the time I filed these accounts amoung others as, fraud enough time to explian why these fraud accounts were placed back on my credit report. According to FCRA 611 ( A ) ( 5 ) ( b ) THESE ACCOUNTS WERE DELETED CAUSE OF THEFT. It upsets me that Equlifax is so careless about my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: CL Holdings LLC
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:
On XX/XX/2020, XXXX XXXX XXXX and onXX/XX/2020 JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX  and XXXX. 
Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted SPS on XX/XX/XXXX for a pay off. I am in the process of refinancing. There's been no response to the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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 disputed this item several times before XXXX XXXX home mortgage which you guys say its a foreclosure on my report how are you verifying this XXXX  and XXXX XXXX have removed this item from my report as they have found it to be not of mine or inaccurate also the account at hand is recording late payments and a payment amount monthly which is another ground for removal per the FCRA remove this immediately and or provide me with my full report and full method of verification. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX I submitted a dispute for the charge on XX/XX/XXXX from the XXXX XXXX in the amount of {$110.00}. Included with the dispute was an email from the XXXX XXXX informing me the hotel canceled my reservation. This should have been more than enough evidence proving I did not receive services and should not have been charged. 
on XX/XX/XXXX way beyond the allowed timeframe allowed to investigate and resolve this dispute, Chase sent me a letter stating they believed the merchant provided the services paid for, even though they were in receipt of a letter from the property stating otherwise. 
Thus not only was Chase in violation of 15 United States Code 1666 Correction of Billing Errors statute, they obviously never even investigated the dispute which the hotel directly admitted was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Greetings. I opened up an account with Santander Consumer USA in early 2013. I purchased a vehicle and was making monthly payments. The vehicle was repossessed. After speaking with the bank while the car was being towed, they told me that paying the balance would allow the repo men to leave the vehicle. I paid the balance right then and there, and the representative then informed me she could not legally make them put the vehicle down AFTER charging my bank card. The vehicle was then repossessed and hit my credit. After talking to three different agents, I went a week without a vehicle as I was playing phone rage with Santander and towing company who says I was never paid. After receiving the vehicle, the vehicle was totaled. I had gap insurance on the vehicle which was supposed to cover the depreciation value. ( XXXX ) now Santander is saying that I still owe them {$3600.00} dollars on a vehicle that was paid for! This issue is now stopping me from purchasing a home and vehicle for my growing family. I have reached it numberous times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
yes i worn a law suit against chase mortgage i recieve my deeds full owner ship a year ago and they have ohold on me my credit all credit beau they surpose to had clear that please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Exeter Finance Corp.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
2 1/2 years ago I purchased a XXXX Chevy Malibu. 1 month ago the Malibu was rear-ended and totaled out by state farm insurance. At the time of purchase, the XXXX Malibu had XXXX miles on it. I spoke with a rep from Exeter Finance ( my former finance company ) and the rep stated that I still owe {$7100.00}. XXXX XXXX sent Exeter Finance a final payment for the XXXX Chevy Malibu in the amount of XXXX 
At this time I am satisfied with the final payment to Exeter and I feel that I am NO longer obligated to any cost concerning the XXXX Chevy Malibu. 
You can reach me at XXXXXXXXXXXX or via phone XXXX to help resolve this matter. Thanking you in advance XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have reported numerous times that my payment history is not reported correctly on my credit reports. Nelnet has refused to acknowledge they are not reporting according to the Fair Credit Reporting Act of these facts after numerous letters. Nelnet is reporting a 90 day payment on my account but how can there be a 90 day and the previous months states PAID AS AGREED? They sent me a copy of a payment history that is not reflective of this being accurate either. I have requested this false 90 day be removed. I believe Nelnet is using deceptive debt collection practices with there accounting and reporting of my pay history

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I had an XXXX credit card when I was in college. It was bought out by Chase Freedom. In the process of changing companies I missed a monthly payment in I believe XX/XX/XXXX. Chase immediately penalized me by raising my interest rate to a borderline usury interest rate of 29.99 %. I graduated in XX/XX/XXXX into a bad job market and was underemployed for much of XX/XX/XXXX and XX/XX/XXXX which made it incredibly hard to pay down my balance while the absurd interest rate was being applied. I eventually was able to pay off the balance. Since that time my credit has drastically increased and I have been able to buy a nice XXXX family home without a joint applicant or co-singer. I have also been able to obtain new credit cards with competitive interest rates. 
I have called Chase freedom several times over the last couple years to have it lowered to a reasonable rate that is in line with my credit report. During this same time period other credit cards that I use have lowered the interest rate on my cards without me even requesting it. Chase 's explanation is always the same. They in a friendly and polite way tell me there is nothing they can do and that is the lowest interest rate they can offer to someone in my situation. They informed me that they periodically review the account to lower my rate. If that was true it would have been lowered. From my conversation with them it is my understanding that the one criterion I am not meeting is credit card activity. Once the card was paid off I stopped using it for obvious reasons. I explained to them that only a desperate person would use a card with 29.99 % interest rate and I would n't start using the card unless it had a reasonable rate. In my opinion I have been responsible since that one missed payment and they are choosing to punish me for the life of the relationship. Chase informed me that they no longer use the same practice of penalty pricing but was nice enough to grandfather me in under the less favorable terms. I do n't believe the process they use gives me a fair opportunity to lower my interest rate to a reasonable level. I closed the card because they made it clear they did n't want my credit card business unless I was going to pay 29.99 %. I understand Chase is XXXX % covered legally on what they are doing but I believe their practices are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
They are restricting access to my financial data. I am using a program to help me reduce debt and I need it to be able to connect to my account but Capitol One is not allowing that ability. I have the right to my financial data through whatever means I deem suitable. It is a violation of my rights if they restrict access to my financial information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have paid XXXX XXXX Card in full for 2 accounts held after going thru a financial crisis. it has been more since XX/XX/2017 and XX/XX/2017 that  these accounts has been paid. they have failed to update my payment status to paid or delete the file as requested upon payment. i have XXXX XXXX multiple times i have called the collection agency XXXX XXXX XXXX begging to update this information i have send disputes to XXXX  XXXX and XXXX  and the fail to update or remove my credit files. i've paid in good faith to redeem my good reputation after my hardship. this is greatly hurting my process to buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a GM Mastercard which had approximately XXXX points attached to it. Capital One took over the card and began changing the rules of how points could be attained and used which I had not agreed to. As of XXXX 2016 they had " adjusted '' my point balance to {$2600.00} and shortly after canceled my card. I recently bought a GM vehicle and tried to use my points as part of the purchase. After several phone calls I am told that Capital One has no record of my account at all and if there was an account, the points went away when the account was closed. These points were worth {$1.00} each and were earned by my purchases. Whatever happened was totally dictated by Capital One with no ability to challenge any of these decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX/XXXX  XXXX XXXX {$1300.00} XXXX XXXX  XXXX This is a FCRA law violation. I was never late. 
XXXX XXXX XXXX {$41000.00} This is a FCRA law violation. I was never late. 
XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation