BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: Navient Solutions, LLC.
State: NY
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:
Navient holds my student loans. They were supposed to consolidate all my loans into XXXX loan after I came out of their rehabilitation program. I have been paying them for almost 2 years now. I am trying to buy a home and just learned that Navient never consolidated my loans like they said, and they are also reporting me to the credit bureau 's as both derogatory and open accounts every month. This is effecting my credit as to where I can not get a home loan and causing me distress. I have a XXXX child that needs the stability and security of a home and this is hindering his need. I called Navient they advised me that they are in fact by law able to do what they are doing and if I want to put a complaint it I can and as far and as the consolidation I can set that up with them that day. At that point I was so distraught I had to hang up. I didnt know where else to turn to for help with getting this company to stop reporting me as a bad debt when I am clearly paying that debt to them every month which they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Beginning the week of XX/XX/20, my son realized that we still owed on his student tuition. We had automatic payments coming out monthly to pay this. We then contacted Nelnet, who services tuition payments for the College and was told that our credit card on file had expired, unbeknownst to us. They said they sent several emails to our son but he didn't see them or realize who Nelnet was because he is not responsible for paying his tuition, we are as his parents. We set up the payment plan with our credit card because he has no job or credit card. We had his emails on file with Nelnet as well as our contact phone numbers. Nelnet said that they only communicate via email. We find this to be strange and very limiting considering that email notices can go to junk or spam and go unread. Seeing as Nelnet services almost {$400.00} billion in student loan payments, they should have several means of communication. Or at the least, contact the person who's credit card they are charging. Our complaint is that they took out 5 of the 6 payments and charged a {$20.00} service fee for doing this. The last payment was rejected by our bank since the expiration date was expired so Nelnet closed our account. We offered to give them the updated card information but they said since the account is closed, they can't accept it. So at that point we asked for a pro-rated refund of {$3.00} since they failed to complete the contract of which they charged us for. They refused, so now we are seeking your assistance. Our concern is that they should handle ALL payments the same and not close the account until ALL payments have been received or at least when there was no response to their emails, they could have called the numbers on file, contacted the college or sent a letter. There needs to be more than one line of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was authorized to speak for a co signer. However, the Debt Collector Trans World Collecting on behalf of XXXX ( rep. XXXX ) keeps calling me. I am not on the loan but they wo n't stop calling me. Despite the fact she keeps calling me, she will not fax or mail the original contract to me. She refuses to make a counter offer and has lied several times about the negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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 information incorrect

Complaint:
I sent a letter stating that the following accounts are incorrect/inaccurate. According to the Fair Credit Reporting Act ( FCRA ), if there is an error, if it can not be proven of verified, or if a grace or pardon is extended by the creditor the negative item must be removed. However, you responded that it was verified as accurate. You stated that you verified the following accounts with the source of information. XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account # XXXX. 

I have highlighted everything on the attached credit report from TransUnion that is incorrect/inaccurate data. Please do not use E-Oscar as I request that you physically investigate these items on my credit file with a physical person. I request that you provide the name and number of the person you spoke with from agency.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: NJ
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:
n accordance with the Fair Credit Protecting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Bankruptcy Court XXXX, NJ case # XXXX 15 U.S.C 1681 SECTION 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S, C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-03-06
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've had my XXXX XXXX 's account for a long time and been making payments on time with no problem. Starting XX/XX/ 2018 they refuse to let me use my card and said I had to use alternate payment for my online order so I had to use my bank card this happened again on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had available balance but they denied me and I had to use my bank card instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$62000.00} XXXX XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$25000.00} XXXX XXXX Balance : - XXXX XXXX Balance : -

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 2015-04-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for a credit XXXX account with my sister as cosigner for my dental work. I paid {$75.00} upfront and made my XXXX appointment. I had a {$5.00} copay which I paid and my dentist took XXXX. My next appointment he started a cleaning XXXX. My next appointment my dentist had left and they had me scheduled for XXXX XXXX that were n't ever discussed with a different dentist. They charged XXXX XXXX {$26000.00} for work they never did and {$500.00} for work I never had done. Now it is a XXXX bill. Please take this off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This complaint has to do with my my previous case # XXXX. For some reason my case was no available for viewing and I did not have the ability to respond to there claim in it 's enity. There last response letter, referred to a letter they claimed I wrote. On XXXX XXXX, I still had not been given any bank records ( I only had the XXXX statement dated XXXX. They claimed I listed all XXXX accounts belonging to in brother. The only information I had were the last XXXX numbers of his checking and Money market accounts. 
They also claimed the letter stated I was claiming reimbursements for XXXX checks. The reason I am certain I did not write such a letter was because a banker, employed by Bank America at a NC branch, called the Check Fraud Claims Dept for me because no one responded to my request and my emails and phone calls wee ignored. We did not ask for payment on utility checks that forged because they had become my responsibility. XXXX of the XXXX checks I was reinbursed for they went back into his closed account. Long story short my account got so screwed up, I would have to hire an accountant to determine if the balance was accurate. 
I also am challenging the letter they enclosed was ever written or mailed to me. When someone suggest they withheld monies because they believed I was forgoing the checks. 
That is one letter you would not forget receiving. Do n't have time to point out other errors made by it 's author. 
Since they failed to send a copy of my handwriting so you could see my handwriting does n't come close to the checks they claimed I forged. 
Please notice their final response as to why they could not provide me copies of the banking records was because listed in their customer agreement booklet it states that they must retain a clients records for at least 5 years. I did not see where it states copies were not privy to Executor 's and that their banking regulations supersedes the Laws that are on record that they are required to uphold. Maybe because they want to believe they are above the law, someone simply needs to explain that in reality if they were right, all the law suits costing them XXXX, would diminish in numbers, and they could make a profit just by abiding by the law. 
, ( DMV. originally was a {$45.00} payment buu in XXXX so many late FES, returned check fee, they were now asking by the live in animal care taker, and errand runner

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 2017-05-20
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: Investigation took more than 30 days

Complaint:
My student loan reports that I was on drinking 20 days late with the previous student loan company but I was never late I always maintained.  XXXX   XXXX  is currently my provider but was not my provider when it had the delinquency of a  hundred and twenty  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 2016-04-02
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX, XXXX, XXXX, XXXX collection agencies re-reported closed accounts to XXXX. XXXX reviewed these accounts and they were billed by a third collection agency. They could not provide proper identification and XXXX closed these accounts on XXXX XXXX, XXXX. In XXXX XXXX they reported them again. In the state of TEXAS the statue of limitations is 4 years. Since these were marked closed can I file in court? I am aware that I can collect XXXX per agency if they report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 I was having medical issues and needed to be taken to the hospital by ambulance with the city of XXXX. At the time I was and still am insured with XXXX XXXX XXXX. I gave them insurance companies information. I have since called the city of XXXX and provided them my insurance information from XXXX XXXX XXXX. They were suppose to charge my insurance company. To this day they are still trying to collect the debt from me using a 3rd party collection agency Penn Credit Corpeven though I was fully ensured at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Credit determination

Complaint:
1. I have XXXX inquires from capital one on my credit report and I only applied once. I have disputed the inquires with the reporting agencies and they say they are legit. They are not. I had a freeze on my account until last year I removed it and started cleaning my credit and did n't apply for anything until XXXX 2016. So to rebuild my credit I applied for a capital one card and was denied but the reasons in the denial letter are incorrect. 1. it says based on your credit report from XXXX, there are too many delinquent past or present credit obligations. ( the only thing on XXXX is my car never missed a payment a collection from comcast that has been disputed and removed from all the other agencies but XXXX. and XXXX paid tax liens from years ago that I have asked many times to be removed they are paid and released. 2. Based on your credit report from XXXX, number of delinquent past or present credit obligations. Again all that is on transunion is my car never missed a payment and the XXXX paid released tax liens Nothing else. 
3. based on your credit report XXXX, number of collection accounts. there is XXXX that is in dispute and was found not mine by the other XXXX reporting agencies but XXXX refuses to remove. 
4.based on your credit report from XXXX, your credit bureau report has missing information about an account or accounts. ( I do n't understand this at all I check it every day and everything is there. 
If your going to deny the credit at least get the information correct. and stop auto inquiring my account. because the inquires are killing my score. 
XXXX XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
American Express declined my new application due to prior card cancellation of over 16 years ago. I went thru a personal bankruptcy in 2000 in which my Gold AmEx card was included. I was never late on the card prior to that event for 18 years. American Express will not look at current financial situation in order to approve a new account. I believe they are violating the Federal Equal Credit Opportunity Act by using the cancelled account excuse from 16 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I paid my XX/XX/XXXX mortgage on XX/XX/XXXX before the 30 day late cutoff. 
Fifth Third Bank didn't process the payment for 3 days and reported me 30+ days late to my credit report. 
I was NOT 30 days late and have the receipt to prove it. 
I contested this with Fifth Third twice and they refused to rectify this for me. 
I was told, verbally, by XXXX XXXX that they would not admit this error and would not change this reporting. 
He also told me that I could go to the reporting agencies and use my proof to get this changed. 
I filed disputes with all three of the agencies and received a finalization notice from XXXX  today ( XX/XX/XXXX ) stating that Fifth Third would yet again NOT accept this even though I submitted my proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday XX/XX/XXXX at XXXX XXXX I went to deposit the amount of {$560.00} at the ATM in XXXX in XXXX with zip code XXXX ATM code XXXX and since then the bank opened a claim where they informed me that in 48 hours they would resolve the situation but So far they have not returned my money, affecting me a lot since for this reason I have not been able to pay for some services. 

Today is XX/XX/2022 waiting...

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 2020-08-26
Company: Experian Information Solutions 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:
I'M HAVING PROBLEMS WITH THESE ACCOUNTS REPORTING 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 explanation
Consumer complaint received 2018-10-01
Company: CITIBANK, N.A.
State: MD
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:
On XX/XX/2018 I notified Citi XXXX XXXX card that I dispute all charges related to credit card number xxx XXXX. The charges at the time were in the amount of {$6200.00}. I explained that the account was not opened by me and I had no possession of the card issued under this account. I never authorized anyone to open or use this account. 
The card was opened by XXXX XXXX ( ex ) husband who is responsible for all charges. XXXX XXXX was making the payments from his accounts until our divorce proceedings at which time he stopped paying the card and handed it to me for payment. 

Citi XXXX XXXX gave no consideration to my statements and facts described in multiple letters dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18 and rejected my claim. 

I continue to dispute all charges of the Citi XXXX XXXX card account and there would be no further payments made for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in reference to a apartment at XXXX XXXX in XXXX XXXXI ask for early release from my lease, because I am a XXXX senior and there were dangerous and illegal activities going on there, that was effecting my health and safety. 
I called the management office several times about the problem with no help at all. Then they charged me incorrect charges, and sent me to collections for {$540.00} after they kept the security deposit of {$1100.00}. 
I want these charges removed from collections and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I have contacted bank of america and XXXX  in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to XXXX  and have received the same response as the accounts have been updated or remains.

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 2022-05-16
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation