BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-25
Company: Nelnet, Inc.
State: PA
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 requested a specific way to apply my payments and Nelnet just  cant get it right. I have emailed them and phoned them. I make two payments per month. The payment on the XXXX of the month in the amount of {$230.00} is to be applied to both groups A and B. The second payment made by my employer is made approximately the XXXX of each month in the amount of {$250.00} and is to be applied to wholly group B. My payment on XX/XX/2019 in the amount of {$230.00} was applied incorrectly. In spite of repeated requests to reapply it remains incorrect. My recent payment made on XX/XX/2019 is also applied incorrectly. In total I have spent hours on the phone with them and countless emails. I can not continue to spend large amounts of time on this. And it doesnt seem to difficult to get it right. Also staff is quite rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
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:
Unauthorized hard inquiries from Cash Central, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Made several attempts to inquire about hard inquiry via certified mail. Company failed to comply according FCRA guidelines. Company failed to reply within 30 days.

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 2019-05-26
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: Credit inquiries on your report that you don't recognize

Complaint:
Made several attempts to inquire about hard inquiry via certified mail. Company failed to comply according FCRA guidelines. Company failed to reply within 30 days.

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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX and TransUnion, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.

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 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was opened in XX/XX/XXXX the car was repoed in XX/XX/XXXX d/t some financial struggles. The car was gotten back XX/XX/XXXX also. We made payments on time since then and the car was payed off in XXXX completely. I have disputed the information on my credit report 3 times. Drivetime/Bridgecrest continue to report every month to credit bureaus that it was charged off since XX/XX/XXXX, informed them it should not be in charged off state if we were making current payments and finished our loan. Instead of them changing the status they only closed the account. I informed this that this status is showing bad on my report and to please update. They also show its written off for XXXX which is the full amount I paid for the car, then it shows high balance of XXXX. This account is not a charge off but they keep listing it as such. I also asked them to change that this account was deliquent. I was late on a payment in XXXX but not any other yr.

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 2018-06-04
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX has placed a charge off on my credit report for {$150.00} I have tried to contact them and find out what is going on and all they keep asking for is full payment on this debt, it it apparently 3 1/2 years old and Im just now finding out about it. I asked for a letter stating they would remove it from my credit report if I paid it in full and was told that is not possible and then was hung up on after asking why it wasnt possible.

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 2017-11-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Navient keeps adding balances and subtracting balances from my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified I was out of deferred. I respectively ask that the lates fromXXXX be removed and set to current. as soon as I contacted Navient my loans were put back in deferred. Also, I want all loans older then 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP,  as Navient is doing illegal collecting and reporting practices. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Student Loan Listed as : XXXX XXXX Date Open XX/XX/XXXX is reporting 60 and 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies Experian, XXXX, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.

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 2019-05-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was opened in XX/XX/XXXX the car was repoed in XX/XX/XXXX d/t some financial struggles. The car was gotten back XX/XX/XXXX also. We made payments on time since then and the car was payed off in XX/XX/XXXXcompletely. I have disputed the information on my credit report 3 times. XXXX/XXXX continue to report every month to credit bureaus that it was charged off since XX/XX/XXXX, informed them it should not be in charged off state if we were making current payments and finished our loan. Instead of them changing the status they only closed the account. I informed this that this status is showing bad on my report and to please update. They also show its written off for XXXX which is the full amount I paid for the car, then it shows high balance of XXXX. This account is not a charge off but they keep listing it as such. I also asked them to change that this account was deliquent. I was late on a payment in XX/XX/XXXX but not any other yr.

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 2018-08-15
Company: ONEMAIN FINANCIAL HOLDINGS, 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:
Unauthorized hard inquiries from XXXX XXXX, OneMain, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: CNG FINANCIAL CORPORATION
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:
Unauthorized hard inquiries from XXXX XXXX, XXXX, Axcess Financial, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
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:
On XX/XX/2020 I sent XXXX, Experian, and XXXX  FTC Reports and FCRA 605B letters to substantiate my disputes against fraudulent activity on my credit reports, but have been repeatedly ignored.

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 2022-02-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX   and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. 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 2021-02-23
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2020, I submitted a dispute for the 3 bureaus and I have not get any information of the finding.

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 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Sir/Madam : XX/XX/2017 someone use my account to purchase of goods and services twice that day for the amount of {$300.00} total which I did not authorize. I contact Bank of America what happen but they reject my claim right away with out any investigation. I report to them to get a new card and I report this to XXXX Police. I contact Bank of America again and again to no avail. 

I am running out option so I have to complained to Ohio Attorney General Consumer protection and they advice me to contact Consumer Financial Protection Bureau. 

I hope Bank of America to investigate that I did not authorize any body to use my card, the card is always in my wallet I never give my card to any body. 
I really appreciate in advance for your help. 

Thank you, 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 2019-05-26
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reviewing credit report Southwest credit systems have placed an collections on credit file. Request written verification via certified mail. Company failed to comply according to FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: NEW YORK COMMUNITY BANK
State: WI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called New York Community Bank several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to get XXXX tax form. I gave the bank stated above my account number name, ss #, address and they said they could not give me any information about my CD. I figured out it matured in XXXX of XXXX but I never received a check for CD amount. It was a large CD at least XXXX in the account. I have several CDs and never receive information in the mail regarding my account. I think the money was turned in to the government and New York Community Bank will not get to the bottom of this. They put me on hold and told me to call WI Dept. of Revenue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: AES/PHEAA
State: CA
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 trying to pay everything that I make to bring down my student loan amount and I have noticed most of my payments are going towards the interest rates for the past 3 years. These are the amount I have paid to interest for the past 3 years : XXXX {$13000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF XXXX {$46000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF XXXX {$35000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF I called them again and found out all these time they have set up my payment plan in a way that pays interest first then the balance. I don't think this is fair ... this needs to be recalculated since I have paid about {$95000.00} only in the past 3 years to interest vs. I this money have been applied to my principle my loans would have been much less now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: ALLY FINANCIAL INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I initiated a transfer {$400.00} from my checking account to another person, using XXXX provided by Ally app. But just after I submitted that transaction, I realized that that's a fraud transaction and I want to cancel it. Then I called the bank immediately. However, the costumer representative told me that the transaction has been completed and they can not do anything. 

As a five years ' customer of Ally bank, I am so disappointed about the it. If Ally bank can not protect their customers, I don't think anyone like to become their customer.

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 2018-08-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Went into XXXX XXXX in XXXX XXXX on XX/XX/2018. At check out I was asked by the manager of the store if i was interested in joining their new rewards card for an additial discount on my purchase. I asked if this was a credit card and he said no. the manager explained that it was a rewards card. He also said they do not run your credit and I did not need to provide my social security number. He went on to say he only needed my ID and phone number. I was under the impression my license was to get my name. He then said I was denied and I was confused as to why because this was a " points/rewards card ''. The next day XXXX XXXX  alerted me of a hard inquiry on my credit and then i received a letter from the XXXX XXXX XXXX  that i needed to contact them to process my credit application. This company is giving customers false information and doing hard inquiries on their credit reports without consent or using a Social security number.

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 2021-09-02
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Lender is contacting relatives for payment. This is against FAIR DEBT LAW. THEY HAVE BEEN TOLD BY REATIVES TO CEASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: USCB Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 filed a dispute and request validation. 
have not heard back.

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 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I believe My personal information was stolen while making a purchase on someone else 's computer and cards were acquired and misused as a result ... ....

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 2018-06-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX {$950.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$850.00} And another {$40.00} charge, not sure of the date. 


Have no idea of these ER visits. I'm a victim of identity theft and have been battling since 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