BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-22
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I graduated from a XXXX program in XXXX of XXXX. I started a XXXX in XXXX of XXXX, however was not supposed to be listed as being in school and my loans spent the usual amount of time in the grace period, ending in the XX/XX/XXXX. I immediately signed up for a income based repayment plan and autopay to take advantage of the .25 % reduction in interest. I was then notified that my loans were back in deferment because the school had listed me as a student. In XXXX, I began the process of trying to solve the situation, however most employees at Nelnet that I spoke with had no clue of the correct way to proceed. After sending exact information that I was told needed to be sent from my school, I was told that it was not sufficient and that I needed to send a specific form. Unfortunately, my school listed the incorrect year again and delayed the process. It took me a while to get back to address the issue. Every person I spoke with indicated that there should be no problem retroactively applying the 0.25 % interest reduction once resolved to the original sign up date. I was just notified today that they would be retroactively applying the discounted rate to XXXX because that is when they received the correct form. There were multiple failures from Nelnet in processing this problem and should have been solved with the first phone call. They are acknowledging that there may have been human error, but refuse to retroactively date the interest reduction to when it was initially applied. The representative I spoke with today indicated that leadership had reviewed the issue and this was their final answer. I do not accept this as an acceptable conclusion to their failures. They indicated the reason was that I took so long to turn in the 2nd form with the correct year of graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2015-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Item # 1 : I dispute XXXX - XXXX, this is not mines. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX, this account has been paid and I have attached letter as proof. Please correct this account. 
Item # 3 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been sending " overage '' payments above my monthly financed contract to Kia Motors Finance USA. I have written them several times to indicate how my payments should be applied and requested that all payment amounts above my monthly finance statement should be applied to Principal Balance Only. I asked this company to confirm my request, and they continue to send me the same thing instead of confirming that my payments will be applied as instructed. In addition, they are reducing my next scheduled payment amount and using my over-payment to apply to future interest instead of as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Vision Financial Corp.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received settle in full offer from XXXX Bank dated XXXX/XXXX/15 ( see uploaded documents ) stating to pay {$280.00} within 45 days, which was paid to XXXX via check written/mailed on XXXX/XXXX/2015 via priority mail, which was cashed by XXXX Bank on XXXX/XXXX/2015 for account ending XXXX. I then received a collection agency bill dated XXXX/XXXX/2015 for {$280.00} from Vision Financial Corp after my check was cashed/paid to XXXX Bank. This violates the fair debt collection act to send someone to collection when the bill is already paid. XXXX made agreement not to seek further collection activity if settlement paid within 45 days, which it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello Here, I am writing here asking for help with a recent case that happened with my disputing a change from United Airline to my Chase account. 

I made a purchase through XXXX  for one ticket ( ticket A ) for my mother on XX/XX/2021, and because of the COVID situation, we adjusted the flight date several times on XXXX XXXX, XXXX, XX/XX/2021 with several additional charge transections. On XX/XX/2021, I brought another ticket ( ticket B ) for my wife so she can fly with my mother. 

On XX/XX/XXXX, we decided to upgrade the two ticket, so there is an additional charge with the upgrade. However, because ticket A and ticket B has different original value ( meaning we payed more for ticket A to start with ), the two tickets should be changed different amount when upgrade. The ticket A has an original value of {$4700.00}, and ticket B has an original value of {$4100.00}. When we upgrade the ticket to a value of {$5100.00}, ticket A should be changed for {$440.00} and ticket B should be charged {$1000.00}. This is correctly reflected on our receipt from XXXX ( attachment 1 ). However, XXXX  has incorrectly charged me two times of {$1000.00}, whereas one of the charge should be {$440.00}. 

I have communicated this issue with Chase. But chase decided not to return my money with a letter did not explain why ( attachment 2 ). I am writing to ask for your help regarding this issue, and looking for suggestions. My email address are XXXX if you need to contact me for additional information. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a amount from a credit card in collections on my credit report. I did not authorize this account to be opened and was not aware of its existence. It is a fraudulent account opened in my name when i knew nothing of credit cards or credit card debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been disputing information on my report through Experian since XXXX XXXX and they are not using reasonable procedures to accurately update my credit information, this in violation of the FCRA. Most recently I disputed information regarding the balance and past due amount for XXXX accounts through XXXX and even uploaded a copy of account statements dated XXXX XXXX sent to me by the original creditor for both accounts. Both account statements show a balance of XXXX dollars and a past due amount of XXXX dollars. Yet the credit bureau continues to report an incorrect balance owed and past due amount, and they have incorrectly reported it since my first dispute in XXXX XXXX along with my most recent dispute in XXXX XXXX. Furthermore, I have contacted the original creditor making them aware of the inaccurate reporting and they have also not correctly reported this information to the credit bureau. The credit bureau is failing to follow reasonable procedures by just relying on the creditor for accurate credit information. Under 607 ( b ) of the FCRA, 15 U.S.C. 1681 et seq. once inaccuracy is determined, the credit reporting agency must use reasonable procedures to ensure maximum possible accuracy. This is my final goodwill attempt to have this matter cleared up and I 'm fully prepared to file suit against XXXX credit bureaus for, negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C 1681i ( a ), 1681n and 1681o. The listed items are entirely inaccurate and represent a very serious error in reporting which is in direct violation of federal laws under the FCRA.

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 2015-04-22
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the XXXX attempt by Dynamic Recovery Solutions to attempt to collect a debt that is not mine. In XXXX 2013, I received similar communication from this company on an account that I have never owned. I have never had a XXXX collection account on my name or against me. Now, XXXX years later, I have received similar communication from this company regarding a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dynamic Recovery Solutions of XXXX, South Carolina calls my office number asking for a former employee. I have told them numerous times to remove me from their list as they are clearly a spam site and the employee no longer works here. They asked for her contact information. I told them that I was under no obligation to provide that information to them and asked to be removed from their phone list again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: PNC Bank N.A.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft. This has been going on for months unfortunately until today it has not been resolved. There are two PNC accounts that don't belong to me. I have tried several times to dispute with the bureau and the creditor. I actually tried calling PNC a few times and after waiting and waiting no one ever resolves my issue. I have sent in all the documents proving that I have been a victim of identity theft. The bureau has stated a few times that both these accounts have been verified however what is the source how are they verifying no one can provide any type of proof. I have overnighted and certified several times and until today nothing. I have requested a 623 to verify debt as well and until today nothing no correspondence. Section 623 of the Fair Credit Reporting Act ( FCRA ) requires the federal banking agencies ( Agencies ) and the Federal Trade Commission ( FTC ) to : Issue guidelines for use by furnishers regarding the accuracy and integrity of the information about consumers that they furnish to consumer reporting agencies. They have violated my rights and at this point I have exhausted all my options. Creditor tells me one thing while CRA tells me another. This is absolutely hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: Information belongs to someone else

Complaint:
was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX {$87.00} COLLECTIONS XXXX {$33.00} XXXX XXXX {$200.00}

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 explanation
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX I disputed a collection account from XXXX and demanded validated proof under FCRA s. 611 ( 5 ) ( a ). 
On XXXX XXXX Experian responded that " account remains '' without any further explanation or proof. 
On XXXX XXXX I wrote a letter stating that improper investigation was conducted, and that they failed to provide me with a copy of documentation, under section XXXX ( a ) ( XXXX ) ( A ). 
On XXXX XXXX Experian responded that they had previously processed the request. Again, no proof of anything was presented.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Disclosed on my Consumer Report is a charged off account from XXXX Bank for XXXX dollars XXXX15 U.S. Code 1681c - Requirements relating to information contained in consumer reports a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

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 2019-07-11
Company: Penn Credit Corporation
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:
PENN CREDIT is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is affecting my ability to obtain new credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While checking my personal credit report, I noticed unauthorized and fraudulent credit inquiries made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/XXXX on Equifax. I did not authorize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ) multiple times. 
They were not legally entitled to make these fraudulent inquiries. 
This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiries immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX/XXXX/XXXX in case it is needed to locate the fraudulent inquiries in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled my XXXX credit report XXXX XXXX, 2016 and noticed a collection from Central Credit Services who is also known as XXXX. I immediately pulled the other credit reports and on XXXX it shows the owner of the debt is XXXX XXXX XXXX who is formerly know as XXXX XXXX XXXX XXXX. I have NEVER heard of these people nor have I ever received a letter or phone call from either of these agencies regarding this alleged debt. Also, there is not any contact information on the credit reports for me to contact these people. The information I do have I researched on my own to find out the address of each agency. I believe these agencies need to validate this alleged debt in writing by supplying the original loan agreement, contract, etc. under FDCPA 809 ( b ).

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 2020-04-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2015-09-02
Company: Focus Holding Company
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls on my business phone from Focus Receivables. My business has absolutely no outstanding debt!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has called me XXXX times about a " debt '' that I owe, but will not tell me what this debt is from. I do not know of any outstanding debts that I have, and nor will they tell me what this debt is supposedly from. Were very threatening on the phone that they would continue to come after me. I asked them for verification that they were a true company and not a scam, because I do not give out financial information over the phone, and they would not give me a website or any other way to verify that they were real.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am sending this complaint myself to request assistance from to have this account removed from my personal Credit report. I don't have any connection to any Credit Monitoring Company or any of its kind. Despite the multiple previous written requests, the unverified account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This status is damaging my report, which would not be happening if the bureaus have investigated properly before posting derogatory 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 2016-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I just learned of an overdraft on my account and unaware of the occurance. I believe the transaction was fraudulently done. I currently have a temporary debit card. I currently have a negative account with Bank of America now in the amount of about {$350.00}.

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