BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
Nelnet # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2017-01-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I would like to know how to go about sueing Sallie Mae or some kind of referal I have tried to contact several attorneys and just get run around. Sallie mae forced me into a bancrupcy because they would not work with my payment which instantly ruind my credit for 7 years. I got no relif from bancrupcy after bancrupcy payment was same I had to let loans get charged off to get any help with lower payment after charged off I came to an agreement of {$250.00} payment for rest of my life they said. But after 3 months in they renigged on the agreement with no answer as to how they can take back an agreement they agreed to do for me. Now my credit is not only ruined for 7 years it ruined rest my life till pd of because will report negative till pd off so my credit is XXXX for rest of my life which has impacted my XXXX XXXX. A {$60000.00} original loan has accrued to over {$160000.00} that apparently I didnt even qualify for they knew they were getting me into this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: LendingPoint Holdings LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
During rst week of XXXX 2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX  vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include the Lending Point LLC ( {$21000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
ive sent out several letters to the bureaus requesting an investigation into my disputes regaurding my credit report and the investigation has not been completed in the allotted amount of time. first letter was sent on XX/XX/2022 no response. i sent another letter demanding a reply on XX/XX/2022. still no response.

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 2020-12-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, the amount of {$590.00} was deducted from my savings account. Someone used my bank account and routing number to pay a XXXX credit card bill. The persons name on the check is someone named XXXX XXXX XXXX. I dont know this person and I have no clue how they had access to my information. I constantly check my account, and the same day that this happened I called the bank. Ive been calling Santanders customer service number, as well as attending the branches to get resolution and they keep giving m the long run and until this day they still havent fixed my issue. Customer service does not want to help, neither the branches. I even had affidavit of forgery notarized and I went to the branch and submitted. I call Santander the following week to follow up and they tell me the case has been closed because I never submitted the affidavit of forgery. Ive been calling and visiting branches none stop to get this resolved and no one has helped. At this point i dont know what else to do.

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 2022-06-02
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 These inquiries are reported with the name XXXX XXXX which is not me nor did I authorize anything. My name is spelled XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Citi constantly reaches out to me to open another card. 
I have a few cards, have paid off most of them and the letter I received is my application was denied due to credit, number of delinquent accounts and high balances. 
Well, they approved another card a few months ago and have been sending information to open another account at zero percent. 
I think Citi doesnt want to lose more money .... Citi claims they used XXXX. 
I have included XXXX on this complaint, it shows no lates and no high balances in comparison to open account and a perfect payment record. 
So lying is okay to bait me into applying???? This is FRAUD. 
My credit score is over 700. 
I think this kind of misleading advertising should be illegal. 
And to say I have delinquent accounts is a LIE. 
What is being done about this kind of misleading, baiting and inaccurate 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 2020-12-30
Company: Jones, Robin & Robin, P.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in the year of XXXX. In XXXX I received a letter from a debt collector agency threatening to garnish me. I reached out to this company, apparently this account was falsely established using my personal information that I didnt have any knowledge of until XX/XX/XXXX. The account in questioned is 15 years old. This fraudulent account has been in collections since XXXX. I am a victim of identity theft. Im not paying for someone elses debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint

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 2022-06-02
Company: EMCC Holdings, LLC
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: Information belongs to someone else

Complaint:
I do not feel that Equiant is accurately reporting information on my behalf to the credit bureaus. Equiant and the original creditor XXXX XXXX are in violation of the FCRA by failing to adequately explain and or verify the debt that they are reporting. I will be seeking statutory damages under the FCRA in the amount of up to {$1000.00} for each violation. I have signed no type of mortage agreement binding me to this company so please remove this immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
i was XXXX and paid a company called XXXX XXXX dollars.when i learned i had been taken i called my merrill lynch credit card for help.my visa card informed me i waited to long and they could would not help me.i was shocked because i called in advance and they told me they would look into it for me.when i called back to look for there help i was informed i waited to long they would not help me.seems like my merrill lynch visa makes there own rules.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone has been using my credit or SSN since XX/XX/XXXX, in XX/XX/XXXX I was XXXX-XXXX years old and in XXXX school in XXXX, on my report it states have a XXXX car loan in XXXX from that same year??? Things like this should be investigated more since i was not even of age why is it reporting? another example is a home mortgage i have from XX/XX/XXXX that is also reporting for a house that does not even exisit, this is just XXXX of the many incorrect information being reported by the agencies along with bank accounts, payday loans, and medical bills all in my name most from before i was even XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I came to the United States legally XX/XX/2016. I have a debit and savings account with XXXX. I applied for a credit card and XXXX refused my request. Experian 's credit report presents information that is not mine and is prior to my arrival to the country : many accounts appear in poor condition as well as accounts in good condition. I only have XXXX credit account with XXXX, which appears in the report and it is in good condition. I want to build my credit, I pay my unique account on time and completely, but this situation affects my whole family

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 2017-02-15
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection company sent me a letter trying to collect on a debt that I do n't owe from XXXX insurance company. They are saying I owe XXXX but in fact I do n't! They automatically withdrew money from my bank account each month and they did n't insure XXXX of the cars that 's why I had to seek new insurance with XXXX XXXX! I paid them every dime that I owed them and they are still trying to charge more! They sent me a letter informing me that they were canceling my policy because they did n't insurance on of the XXXX car! So if they did n't insure the car there was no money owed and I set up direct draft! They need to send me an itemized statement with all the charges being very specific on to what I 'm paying additional money for. Texas law requires them to explain to me with original documents from original debtor on how they came to the amount of {$320.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
A XXXX number called about collecting a debt owed to capital one. It left a message for me to call another number back. When I called it back it was a very sketchy sounding man and did n't sound professional. Something about it just is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I made a payment to settle this account on XX/XX/2022 and its still reporting and I have disputed with Citibank to tell them I had already paid and settled this account and its still reporting the same

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 2022-10-10
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called State Employee credit union in XXXX  2022 so that I can set up a reoccurring minimum payment to avoid being late. The person I spoke to set up a set payment of {$600.00} per month instead of the minimum due. I was over on the balance so as a result the minimum due was {$780.00} that month. I was not aware because I was out of town working and didn't think I needed to look at the bill because it was supposed to be paid automatically. I later found the problem when I called. I was told someone would call me back and when they did not 2 weeks later I began calling. I spoke to someone who told me they could not correct it even though it was a credit union error. They never asked for my account info so I know they were not trying to help me. I later called and spoke to someone at the branch who looked and let me know what the error was and unfortunately the Fair Servicing department at the bank would not correct the issue even though the bank verified that it was a problem. I spoke to the VP XXXX XXXX and XXXX XXXX and they would not remove the lates from my credit. I received a letter from the bank stating that it was a error but their hands are tied and they can not do anything. As a result I was trying to refinance my property and was denied because my scores dropped almost XXXX points and I was in the path of XXXX XXXX and I applied for assistance because my property was damaged and I lost income and I can not even apply because my scores are low. When I spoke to XXXX XXXX he didn't even have the facts correct but seemed like he was trying to be correct instead of doing the right thing. I lost income and I am struggling if I loose my home and businesses this will not be right. I didn't do anything wrong the credit union did and I have a letter to prove it. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See new information supplied. I have made at least 50 complaints regarding XXXX XXXX XXXX XXXX who loaned for a car in my name but was identity theft ; account # XXXX. However there is still misunderstandings. The credit reporting agencies reply with form replies on complaints and have stated " For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. '' There are misunderstandings. The car purchases were identity theft. Credit was given to the thieves using my name. I never had use, benefit, or possession of the two cars. I assisted XXXX XXXX XXXX XXXX is locating and taking possession of the car. I filed the attached identity theft report I filed the attached Sheriff 's report. The thieves were also using stolen cards to make the payments. The thieves were also stealing from my mailbox. XXXX  and Transunion need to understand that XXXX XXXX XXXX XXXX will list this complaint as a duplicate complaint again without supplying any explanation, supplying a copy of the credit report pulled in my name, nor has XXXX XXXX XXXX XXXX explained the incomplete credit application that was processed nor have they supplied the permissible permission used to access my credit report. I expect Transunion and XXXX  to review the documents and remove the negative listing from my credit report. I intend to file complaints and petitions that my credit report was accessed without my permission and XXXX XXXX XXXX XXXX allowed criminals to purchase a car in my name.

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 2022-06-02
Company: Dealer Finance of Western Kentucky
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My now ex called and talked to dealer fiance of ky his self he paid XXXX payment well we broke up 6 months later he calls them n request his money back they give it to him without taking to me nothing I'm the only one on my car n no one is to talk to them but me I didn't find out till months later qhen they refused to take my payment by phine like I always pay cuz they messed up

Company response to consumer: Closed with explanation