BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: AL
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 pulled my credit and found many accounts that I had no knowledge of. I have tried to contact the people over these accounts but nothing has happened.

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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 pulled my credit and found many accounts that I had no knowledge of. I have tried to contact the people over these accounts but nothing has happened.

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 2020-09-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted XXXX and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested XXXX for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, XXXX XXXX, 2017, XXXX reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at XXXX, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.

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 2020-07-27
Company: KEYCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was offered a balance transfer offer in XX/XX/XXXX for one year until XX/XX/XXXX at 0 % and only pay a balance transfer fee. 
Since I have done this promo on this card, I have been accessed interest every month and I am being told it is because I made purchases. 
I have proof that I have clearly paid way above what is needed to be paid to not incur any interest and they will not remove it and tell me they dont even see a promo and I must pay my card down to {$0.00}. 

I am being lied to and ripped off by KeyBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Nelnet wants payments from stupid loans although my entire career and life path changed due ti Covid. Im trying to get my business at a better stage to pay it off but it seems like thats not always the case. Jw

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Around XX/XX/2020 to XX/XX/2020 My bank of america account was closed No details given nothing now by not having the account is hindering me from funds for anything due to no proof of banking information I recieve deposit from jobs and other sources Investment in my business this account was closed for unknown reason to me I've inquiried several times but no answer or justified reason if any thing was funny I do not know who to even dispute against or defend my self and without at least 6months of Bank history I'm now being denied new bank account anywhere and no funding

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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted XXXX and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested XXXX for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, XXXX XXXX, 2017, XXXX reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at XXXX, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.

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 2022-02-10
Company: Prosper Marketplace, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX i was approved for a 15,000 personal loan. I was never given paperwork to sign, everything is online with no details concerning loan terms and conditions. I called Prosper on XX/XX/XXXX about my XXXX, i was told that the XXXX is 28.99 % i request a lower rate due to my good credit. The term of the loan is 36 months, paying XXXX monthly payment coming out my bank account as auto pay. I feel this is a scam and would like to correct this error.

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 2020-07-27
Company: ENOVA INTERNATIONAL, INC.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Someone from Cashnet USA calls my job daily. I have told them that I can't take personal phone calls at work, but they call everyday anyway. They are calling my work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, H ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}.

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 2023-05-28
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Comenity Bank in Ohio somehow got my phone # to tell me I am delinquent in payments on a bank credit card. I told them I live in NJ and have never had an account with them. When I asked what address they were sending monthly statements to, they refused to tell me but did say it wasnt MY address in NJ. I have used XXXX to send letters and opened disputes with XXXX and they are not doing anything except harassing me with phones calls. I even froze my information. Now and still, that is on my credit with still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Citibank double cash credit card account about two years  ago. I called Citibank and was told my promotional 18 month 0 % APR on my balance and balance transfer was expiring. 

I asked if I were to close that account and reopen a new double cash credit card would I receive the same offer. I was lied to and told that I would. It didnt become apparent to me until this month that Ive been charged interest. This is something the representative very specifically said would not happen. 

I was lied to. I dont appreciate it. The best the representative said she could do for me is a one time courtesy credit, I accepted that as a good faith measure but I feel that Citibank can and should do more.

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 2020-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Capital One Auto Finance repossessed my vehicle but, did not give me the proper documentation even as of today from approximately two years ago. 

Under the laws of North Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I did NOT receive proof that the repossession transaction of my vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELESS OF NOTIFICATION BEFORE DISPOSITION OF COLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Capital One Auto Finance was required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of my vehicle that I never received. 

Per North Carolina Law I requested proof that is required to be given with 15 days and it's going on 60 days and I still have not received the requested items. Capital one has been in receipt of my certified mail notices and has been in violation therefore, the alleged claim of a deficiency should be considered null and void, and any continued collection activities or continued reporting to the credit bureaus of this invalid claim on my credit reports is a violation of the FDCPA, FCRA and 16 CFR Part 660. 

Capital One was required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of my vehicle and this has NOT been done. I have not received notification before the Disposition of Collateral as required by North Carolina UCC 9.611. Furthermore, evidence that all applicable notices were not provided to me as well. These mandatory notices may not be waived prior to default in accordance with North Carolina UCC 9.624 Therefore, Im requesting for their item be removed from my credit report and the debt to be considered null and voice per NC State law previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Nelnet, 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: Account status incorrect

Complaint:
Right after I graduated in XX/XX/2017 and searching for employment, Hurricane Harvey hit us bad and destroyed our home, injured my father and no income to the family other than Disaster Unemployment. 
I contacted Nelnet and requested for relief which was provided to me. I was able to find a very low income temporary employment and requested Nelnet for additional payment relief and provided all forms and documents they requested but they kept saying they did not have all the documents until I was able to work with a rep who watched for my email and confirmed receipt of all documents. BUT, In XX/XX/XXXX,  Nelnet reported 14 ( THIRTEEN ) late payments to Credit Bureaus. 
Every time I speak to someone at Nelnet, I get a different representative giving me a different set of information. A few months ago, one representative spoke to his supervisor and told me a request was sent to Credit Bureaus to remove these delinquencies but they have not been removed yet in 3+ months. I If the issue is not resolved within 30 days then I will take this matter over to the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: R & B Corporation of Virginia
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This medical account was opened on XX/XX/2017 and I've reached out to the company due to hardship. I've sent letters through 3rd party service to get issue resolved with fees assessed to my account as I've received no response. At this time I'm disputing to have the collection agency remove from my credit file as I didn't authorize nor give any permission to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i have filed a dispute as well as proved the XXXX XXXX report to all 3 bureau 's as that was all 3 buerau 's method of verification and they have failed to contact me back or remove it, i have proof all 3 bureaus received the information as it was all sent certified and i have enclosed the tracking as well as the address provided on the bureaus per their websites and when i called all 3.

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 2023-01-26
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
National Credit Systems submitted a claim of {$700.00} on XX/XX/XXXX purportedly on behalf of my last landlord in XXXX, XXXX by the name of XXXX XXXX. I had rented in XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. 

Paid all the utility bills and left the place pristine clear. 

Instead of refunding my deposit of {$300.00} or {$400.00}, they asked me first to pay {$150.00} on XX/XX/XXXX. I refused to pay a fake charges of {$300.00} and instead requested for refund. 

For last several months through XXXX I have disputed both the charges as well as the inflated demand of {$700.00}. Even if I have believe to charges - the charges was for {$300.00} not {$700.00} and demand amount in XX/XX/XXXX was for {$150.00}. ( I have emails supporting my claims ). 

I was targeted for being a minority. 

I have troves of emails from XXXX, XXXX when landlord demanded {$150.00}. 

I had credit score close to XXXX which was accumulated over my stay in XXXX over last two decades. With fake collection amount of {$700.00} they destroyed my credit to mid XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked Experian Credit Reporting Company to remove closed accounts that were fully paid off my report. I asked the same of the other two credit bureaus and they successfully removed them. Experian continues to have 5 closed accounts showing in my credit report. I have sent letters to them requesting they complete an investigation and remove them and they have not done so. The last two letters sent were on XX/XX/XXXX and XX/XX/XXXX. I have attached the letters and my Experian credit report as of today for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Experian Information Solutions Inc.
State: LA
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:
Experian did not investigate my complaint and closed the case

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 2023-04-20
Company: Nelnet, Inc.
State: TX
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:
On XX/XX/XXXX I made a {$35.00} payment towards my XXXX XXXX XXXX in order to make the new balance {$4300.00} even. On the XXXX of XXXX, my Credit union ( XXXX ) CLEARED the payment from my account. Account XXXX XXXXXXXX, Transaction ID XXXX XXXX. As of today, XXXX XX/XX/XXXX, NELNET still has not issued the credit to my balance. I have contacted them multiple times, they claim the bank did not process the transfer. The bank has twice confirmed they made the payment. I have requested from NELNET the contact information for their regulatory agency and legal department, they refused to provide either. I can not trust electronic payment system at this time and have notified them that no further payments will be made until this payment is credited. They insist the issue is with my bank and I need to make the payment again. The account with NELNET is on Covid pause so it is not gathering interest, at this time. But {$35.00} is still {$35.00} cents, and NELNET has a history of not properly managing my student loan accounts. 

I am attaching written letters sent USPS, I have several emails between myself and them and my financial institution as well as two phone calls. 

An internet search provided your information as the Federal Regulating Authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2021-08-10
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Yes XXXX XXXX has been trying to make me pay a debt I was already in contact with XXXX  they did not comply with them with what was said to be done for a resolution the account is suppose to be paid of by them upon there error and they are still making the same mistakes hopefully you can get them to settle this account on their own accountance and error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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