BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: Nelnet, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: GA
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:
Sent a dispute to Equifax on XX/XX/XXXX and again one XX/XX/XXXX - no response. I filled a complaint # XXXX in XXXX but was rejected. I sent a notarized Affidavit of Fact on XX/XX/XXXX. Equifax has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card ( my ssn ), any credit transaction between you the consumer and any person making the report. Equifax did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX the Federally Protected Consumer did not give permission orally, in written, or any other way to list these items on my credit report or credit file. Dispute letters, CFPB Letters, and Affidavit of Fact along with Exhibits will be included in the files that was sent previously with no response from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/16 I received a couple e-mails from Kohl 's stating that my account had been updated and an order placed. I, nor the other card holder had done neither. When I opened the emails, I found that someone had not only changed the name on my account but also the address. Within an hour of these events happening, I called the Kohl 's credit card customer service number provided on the card. After an exhaustive explanation, I was told the cards would be closed, new cards issued, they would try to stop the order and they would investigate. I continued to receive emails that the order was shipped XXXX XXXX/XXXX/16 XXXX, delivered XXXX XXXX/XXXX/16 XXXX, and, no surprise- a refund had been processed XXXX XXXX/XXXX/16 XXXX. I 'm surprised that these events took place even with me notifying them within ONE hour of the changes made on my account. ***How can a name and address be changed on an account and an order immediately placed and no safety measures in place to alert for fraud and protect me as a consumer and themselves as a company? *** As bad as this seems, I received and activated my new cards and on XXXX/XXXX/16 attempted to make a purchase that would not process. I placed a call to customer service and was told that I could not use the cards due to fraudulent activity. I stated that the fraud was on the original cards but that these were new cards. She stated that the new cards were also flagged for fraud and could not be used. I told her that since Kohl 's can NOT protect my information to close the account. I have been a card holder for 10+ years and so I 'm aware that my credit may take a small hit but it will be so worth it versus entrusting my information to this organization. Upon closer inspection with the original and new cards, it appears that the account is the same on all XXXX cards. It appears that Kohl 's simply issued XXXX new cards in the original account with last XXXX numbers being different. SO, I guess the original account was really never closed as I was told would happen. And so again, how did Kohl 's protect my information? And why was the account not closed? As a consolation, I received a letter from Kohl 's dated XXXX/XXXX/16 that states I am not responsible for fraudulent charge. I guess it was just divine intervention that I attempted to use the newly issued card to XXXX that the new cards issued were just extensions to the original account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been charged a Late Fee on two occasions. In both instances, the payment was made and check deposited by Capital prior to due date. The company has reversed the charges claiming it was a Computer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Delinquent account

Complaint:
I would Like to File a complaint on Capital one bank inference to reporting negative info to the major credit reporting agencies. I have sent them proof of payments and they still claim that my payments were late. Capital One is in violation on the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive called multiple times trying to get information on this particular account thats being said its mine, which isnt mine, not sure why, the company has told me multiple times they have no information about me having a credit card with them or ever having one

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 2015-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
They did not fix.. I have proof of time of account open, the whole system is automated and no human interaction. They have incorrect info and do not correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Have been trying to get a income repayment plan with Navient. From XX/XX/2020 to present i have received 6 different amount to repay. {$370.00}, {$170.00}, {$290.00}, {$140.00}, {$180.00}, and {$110.00}. We only bring in {$2900.00} a month. I had spoke with them and told them we need the lowest payment. We can not afford alot we have other bills. I was told that was not their problem. After all of it we are now back up to {$180.00}. I have asked for the formula that is used to calculate the payment. They refuse to give it to me and said I wouldn't understand. I told them that we could do the {$110.00}. I was told to resubmit my paper work and they would lock it in. 2 weeks later it came back at {$180.00}. I tried calling to speak with a supervisor. They refuse to allow me to speak with one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Byrider Franchising, LLC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We were on vacation when our debit card number was hacked. We reported this to our bank after discovering several charges in XXXX, XXXX ( we live in XXXX ). The XXXX was also consulted. We did n't get a chance to call XXXX ( CNAC ) as it was the XXXX XXXX weekend, and frankly we were in shock. The bank froze our account until this is resolved. CNAC wants a letter, or fax to them, but XXXX XXXX will not do this. Why would we want a letter to us the bank is keeping us abreast of this situation? CNAC calls at least 4 times a day. I tell them the same thing every time. It is bad enough this company sells people who do n't have the means to get a car any other way because of issues in their life. We have said car into the shop 6 times. Brakes, radiator, rear tailight, and other things. This company needs to be investigated. This company also uses a device that changes numbers every 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 2021-03-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Capital One is charging me excessive fees and reporting late payments to XXXX.XXXX and XXXX. 
Capital One approves me XXXX credit cards but company denies me credit increase over {$700.00} and {$500.00}. 
Why approve me on another credit and gives me denial on credit increase. 
Is it to charge me high annual fees for both cards? Late fees are included also. 
I am on XXXX XXXX XXXX and Retired. 
I am a Military Veteran. 
Capital One practices needs to be regulated by Federal Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Remitly, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I'm writing to report a fraudulent transaction that happen to my Passbook ( by remitly ) an online banking service from USA, I have given all my effort to report this to them this but it seems no one is really given their equal effort to help, I'm putting here the transaction details for you to review. 

Firstly after it was happened I already informed them, but all they can do is to pretend helping but showing any evidence that they really communicate to the company that charge me. 

Security and trust is the one they promise, now that it happens to me and there is seems no help coming my way. 

a total of XXXX was charge on my account by this company in the XXXX, and XXXX ( remitly ) was in no way really wanted to help but instead pass it on to their virtual agent to response to me with repeated and automated reply. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The City of XXXX charged had a balance due of {$77.00} but Fidelity Credit service charged me over a XXXX % penalty for using them as a debt collection service for a total of {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
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:
I had submitted this information a couple of months ago. These are not my debts, nor do I have a contract with any of them. Please refrain from these companies reporting to my credit report as it's hindering me from attaining a house loan. Again, these are not my accounts so please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Credit Protection Association, L.P.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid on XXXX/XXXX/2015 in the amount of {$76.00} to credit protection association. This company then sent another bill on XXXX/XXXX/2015 for the amount of {$92.00} requesting an additional payment on a paid in full account. This company stated upon paying the debt in full that the information would be removed from all three credit bureaus. However, the company has only updated the amount to a {$0.00} balance which is still affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: GA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I purchased a reloadit money pack so that I could transfer the funds to my XXXX account. I have never used on before, but since it was at my local XXXX I figured it would be easy to do. I purchased it with {$400.00} cash. I have the receipt. I have tried over and over again to access the money through their website but it wont let me sign up, for over a week now. That money was supposed to be used to buy my family XXXX presents. They said it would take 30 business days to refund my money. I think this is a scam. How are they allowed to operate their business like this? Please help me resolve this. I am a hardworking taxpaying family man. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My wife and I fell behind on mortgage payments with XXXX. We started a modification process, however XXXX sold our loan to BSI Financial. BSI was not going to process our modification, however we filed a complaint about them with this bureau and BSI promptly contacted us and began our modification. 
Now, BSI approved us for a modification. I am just very dissatisfied with the modification because according to BSI they can not provide us with a better solution than a ARM because that is what we originally had with XXXX. My question to them was, then why the modification if they were not going to provide a better option. So, now we are looking to see if this is legal and/or is it true that a new lender can not provide a better mortgage solution through a modification? If so, where may I get further information on that? 
All we want is to be able to afford our home and retain our home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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: Problem with personal statement of dispute

Complaint:
I have repeatedly contacted TransUnion to have Bankruptcy XXXX removed from my credit report. I have sent letters to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. TransUnion has failed to provide me with any verifying documents and has refused to remove the Bankruptcy XXXX from my credit report. 

In my most recent letter on XX/XX/XXXX, I requested that TransUnion provide me information that details how they have verified the Bankruptcy XXXX on my credit report. TransUnion sent me a letter stating that the information they use to verify public records can be found at XXXX XXXX XXXX. When I go to this website ( I have provided a screenshot of the website ) it states that they use information from XXXX to verify Bankruptcies. I have attached a letter from XXXX stating that they have removed Bankruptcy XXXX from my XXXX report on XX/XX/XXXX. 

TransUnion must delete Bankruptcy XXXX from my credit report. XXXX could not verify the Bankruptcy and TransUnion uses XXXX to verify Bankruptcies. XXXX also stated that they sent TransUnion a letter to have the Bankruptcy removed from my TransUnion 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 2021-03-22
Company: FIRST ADVANTAGE CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Reference : COMPLAINT ID XXXX I've reviewed the updated background report from First Advantage Background Services Corporation. 

They've reported to me that they've removed all outdated information that exceeded 7 years old. They send me an updated copy of my report, and I found that there was still outdated information still being reported. 

I've attempted contact with First Advantage Background Services Corporation, with negative results. They havent responded in weeks. Therefore I'm following on to the next step wotj CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
RE : LOANME. These predatory loans should be illegal. I borrowed {$10000.00} in XXXX XXXX making payments {$840.00} per month. In XXXX, XXXX my outstanding balance was XXXX. I paid over XXXX in interest and fees to borrow XXXX for 8 months? How is this legal in California? When I received a monthly statement, there was no information regarding my balance and how much of my payments are going to principal. Apparently XXXX of my payments went towards my principal and interest acccrued daily. This is a rip off and preys on people who are in a challenging time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Admin Recovery, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
If you google this particular unscrupulous business you will see the lackluster reputation, and numerous consumer lawsuits. This agency is quite aggressive in contacting me at numerous numbers, even without first sending any verification of the debt. someone with the alias of XXXX at extension XXXX calls from this business. On, XXXX/XXXX/16 at XXXX., a message was left for this person advising to stop calling and that I have a lawyer ( contact information provided ). Further, I instructed said individual that I will be filing Chapter XXXX. Even with this message, the company decided to discard my message and placed a call to me from a spoofed number on XXXX/XXXX/16 at XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CITIBANK, N.A.
State: NY
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:
There was an unauthorized transaction in the amount of {$2300.00} on XX/XX/2020 from company named XXXX XXXX. I have no knowledge of the transaction and did not authorize this charge. I disputed this charge with Citibank already, but they ruled in the opposing parties favor. I am 100 % sure this transaction is not mine, please assist in fixing this issue.

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 2015-07-17
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
after repeated attempts to contact collection company they finally called back. when I requested documentation showing this is a real and valid debt. they refused to provide it and said i had to chase it down. They are legally required to provide proof showing exactly what they are collecting for and when debts were incurred. I then told them to not call me back unless they can provide documented proof this is a real and valid debt and not some kind of scam. this XXXX XXXX then proceeded to tell me that she can call continue to call me everyday until i pay. she also told me she is going to report this on my credit report unless i pay within XXXX day. this is all without providing any proof i owe the debt. About XXXX weeks later i received another call from a XXXX who claims i never made the statement about only calling if they can provide the documents. she also tried getting me to pay without proof. i informed her that she can not contact me without proof and if they continue to harrass me i will contact a lawyer about these tactics. they were pushy and rude and i feel this is a scam to trick me out of my money.

Company response to consumer: Closed with explanation