BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called the XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022 I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this NELNET LNS Late payments late will be updated as soon as possible. 

NELNET LNS XXXX Balance {$3400.00} NELNET LNS XXXX Balance {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion is reporting incorrectly on the XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account does not belong to me and I do not have a mortgage loan. This incorrect reporting is harming my credit score. Please delete this line item from 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 2022-08-14
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:
On XX/XX/2022 I sent letter to Equifax, XXXX and XXXX to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX, 2022. I have not received a response regarding these issues that are negatively affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX I applied for a Simplicity Citibank credit card and was denied. In the denial letter, Citibank stated that the denial was based on negative information reported by XXXX. After contacting XXXX and receiving a copy of my credit report, I was informed by XXXX that I had no negative information that could have been used in Citibank 's decision. After days and hours on the phone, I was finally able to contact a representative from Citibank who informed me that their internal records system showed I still had a negative account from XXXX ending in # XXXX. This is an error on Citibank 's end, as this account was included in a Chapter XXXX Bankruptcy in XXXX. Citibank declined my application for a credit card 12 years after the fact using internal records and data information that was not provided to any of the 3 credit bureaus, yet it was the main piece of information used against me when judging my creditworthiness. This behavior is unacceptable to me, to use outdated internal information ( that is actually incorrect and should have been properly been listed as " included in BK in XXXX '' ) for a credit decision that the consumer doesn't even have access to and can't properly dispute through the credit bureaus. I was able to obtain the address for Citibank 's internal dispute department and wrote them on two separate occasions, yet have not received any type of communication from them. Please assist me in this matter, as Citibank is completely ignoring me. Thank you.

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 2019-10-14
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Acct : XXXX XXXX XXXX Vehicle XXXX XXXX XXXX XXXX Lease amount : {$390.00} XXXX XXXX incorrectly reported that I was 30 day late with my XX/XX/XXXX payment. On XX/XX/XXXX, I called XXXX XXXX to make a payment over the telephone and to request to extend my lease to XX/XX/XXXX. When I called I tried to make a payment over the phone, but the representative told me the system was not working to accept the payment. The representative advised me to call later or to make the payment online. 

I made my XXXX XXXX payment online, on XX/XX/XXXX. I was not more than 30 days late. Payment was made XX/XX/XXXX, but XXXX payment system did not properly process the payment on time. I should not be punished, and suffered the consequences of having a 30 day late payment history on my credit report for 7 years, for XXXX 's own mistake. It is not fair. 

I called and tried to explained this to XXXX. Instead, I was mocked by the representative, who told me I was lying and that the company couldn't do anything. 

I should not bear this negative information, just because the company 's own failure to correct its system. I need you're help in reversing this incorrect, 30 days late payment on credit report. 

Another issue, is that even though I paid, XXXX and now XXXX 's payment. XXXX reports on my credit, that I owe, XXXX and XXXX 's payment. When I asked why, I was explained that they charge in advance and this is why my credit reflects two payments instead of one. This inaccurate information negatively impacts my credit, because it seems that I two payments behind, when I am not. 

Third, I have requested more than 2 months ago, proof that XXXX paid 2 parking tickets, I already paid. I called the company numerous time. Every time, I called I get the same answer : " We have requested the information from the Accounting Department. It takes 2 weeks to get it. Once available, we will mail it to you. '' It's been more than 2 months and I have not yet received anything. 

I appreciate any help in solving these issues. I have tried to talk to XXXX, without any success. The company is not willing to help. Since XXXX, when I took this lease, I have made payments on time. I have 3 years of on time payment history. I was not late on my XXXX XXXX payment. I should not bear the cost of 7 years of negative, incorrect information, when the company is at fault. 

Thanks,

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 2018-11-13
Company: DISCOVER BANK
State: LA
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 tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My  only thought is that my statement did not get to me. I kindly ask that you remove this late payment from my credit report. I am applying for a home mortgage and the late payments have dropped my score and are keeping me from being able to buy house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-14
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have sent in a written request of debt validation by certified mail which was received by United Revenue Corp on XX/XX/19. In the letter I asked that signatures, a description of services rendered with dates/times, charges, and methods of validation be included for my review. However, I was not provided the appropriate documentation. I'm afraid that this creditor may have my personal information which may be a HIPAA violation. Please help resolve.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.

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 2019-05-29
Company: EQUIFAX, INC.
State: MD
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:
After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked. 

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX  XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX {$530.00} 7 ) XXXX XXXX {$410.00} 8 ) XXXX  XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX  {$100.00} 12 ) XXXX XXXX {$57.00} 13 ) XXXX   XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am having ongoing issues with XXXX signature XXXX Chase credit card. 

XX/XX/2022- received an email on an outstanding balance and I had not used the card in over 6 months nor had I received statements either. I was forced to make a payment and they reported this late payment of under {$200.00} to the credit bureau. I then noted part of the balance was for a purchase I did not make. I had previous issues with Chase not receiving statements so decided to cancel the card all together during this conversation. I also reported I did not make the purchase to XXXX XXXX but did have an account with XXXX XXXX. The balance I was told was paid in full during this conversation and the card was closed. I contacted XXXX XXXX and they charged my card in their system by mistake. They credited the card promptly. 

XX/XX/XXXX, XXXX I received an email to make a payment on my card a minimum of {$37.00}. I called Chase. I know longer have this card as it was cancelled. They told me it was for a charge to XXXX. I then said I have an email that this was credited from XXXX  and I did not make this purchase. Chase said I am still responsible for this late charge as well as I already paid for this purchase but no longer have this card. I will not be paying this late fee. This company needs to be investigated for fraud as well as inaccurate reporting to the credit bureau. I have no other problems with the two other cards I use and this should not be permitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had a private student loan since 2011 and have been a student. I have contacted Navient trying to lower the interest rate, but instead they have steadily increased it to 9.5 %. Even while I have made their minimum payments, my interest will keep increasing. When I pay extra, they add it towards interest so my principal will never go down. I have paid {$4100.00} on a {$6500.00} loan and still have {$5700.00} left to repay. How is this fair lending practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan was transferred to a new servicer in XX/XX/XXXX. 

On/about XX/XX/XXXX, we received the XXXX XXXX Account analysis ( dated XX/XX/XXXX ). 

The analysis increased our monthly mortgage by a total of {$710.00} due to anticipated escrow payments for the XXXX tax year and an escrow shortage in the amount of {$4800.00}. 

XX/XX/XXXX : We called the servicer to get an explanation/understanding of the shortage. We explained that we had a homestead exemption for the XXXX tax year. The rep informed us that she could not locate any relative documents in our file, and requested that we send the documents again. That same day, we sent the email which included our XXXX tax bill from XXXX XXXX and the receipt as attachments. We were informed to follow up in a week. 

A week or so later we followed up only to find that our file/ticket had been Closed. At that time, we requested that the file/ticket be reopened as the issue had not been resolved. 

XX/XX/XXXX : We called and spoke to a XXXX who informed us that he would look into the issue, and that he would call or email us back. 

XX/XX/XXXX : XXXX : We had not received a call or email from anyone, so we call the XXXX. We were informed that nothing had been done with the file and to check back on on Wednesday. 

XX/XX/XXXX : We call once again only to find that our request to have our escrow account reanalyzed taking into account of homestead exemption had been denied. The reason being the homestead exemption did not cover all of the taxes. ( Our XXXX property taxes were {$2000.00}. The homestead exemption was {$2000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: MI
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:
On date XX/XX/2022, I sent XXXX, XXXX and equifax a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX  could not verify this item so they deleted it from there database. 

I then went back to XXXX, XXXX and equifax on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified their item it need to be deleted regarding to the FCRA. They have once again refused to delete item which is Imploding on my ability to purchase a home and costing me lots of money in interest every year. I also asked them to delete addresses that were incorrect on my credit with proof that Ive never stayed there and they still refuse to delete it. 

The addresses and bankruptcy needs to be deleted from my credit report if it cant be verified within 30 days. Its already hard enough out as is and they are making things harder for not only me but my children due to reporting false information. Addresses that does not pertains to XXXX XXXX needs to be deleted and so does the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX I received an alert stating that there was a new hard inquiry from CBNA on my XXXX report. The alert said : A potential creditor or employer reported that they pulled a copy of your credit file because you applied for credit or services with them. This is inaccurate. I have not applied or done anything with CBNA. I reached out to CBNA,  which is Citbank and they have no record of this inquiry on this date. They pretty much gave me the run around. I called Best Buy, which I do have an account with them but that account is at a XXXX balance and I have not inquired for any new services. They also had no record for any transactions for XXXX XXXX, XXXX. I contacted XXXX and they were only able to give me the same information I gave them however, they were no help.

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 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account with Capital One Quicksilver MasterCard.  Capital One change the Account number at XX/XX/2017 XXXX use to report that account every month. I dispute the account balance one time to XXXX. after that they stop report the account every month as they should. Several calls made to Capital One supervisor and several calls made to XXXX with Capital One on line ( 3 Way calls ) to insert the account. No, responses from XXXX. Capital One told me many times that they sand the farm to XXXX to insert the account an XXXX said we did not received any letter from Capital One Vis versa. that account reported before by XXXX and been reported by XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Dear XXXX XXXX ( XXXX XXXX of XXXX XXXX ) and Dear XXXX XXXX, I XXXX XXXX, Consumer, will file Identity Theft against you via Federal Trade Commission, If, XXXX XXXX and XXXX XXXX ( XXXXXXXX XXXX ) continue to furnish I, XXXX XXXX, nonpublic personal information to nonaffiliated XXXX party ( s ) who I, XXXX XXXX do not give any consent whatsoever to furnish my nonpublic personal information to nor have I gave any nonaffiliated XXXX party my written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to furnish my nonpublic personal information. 
Pursuant to the Gramm-Leach-Bliley Act, I, XXXX XXXX am very aware that XXXX XXXX, and the Financial Institution XXXX XXXX, are in noncompliance of the Gramm-Leach-Bliley Act which can result in fines of {$100000.00} ( Per Violation ) and 5 years of imprisonment according to The Gramm-Leach-Bliley Act. 

XXXX XXXX, and XXXX XXXX did not comply with simple instructions and rules of the Gramm-Leach-Bliley Act and did not provide appropriate forms to give I, XXXX XXXX the opportunity to Opt-Out of furnishing my nonpublic personal information. 

According to federal law it is not required to furnish any Consumer information 15 U.S. Code 1681s ( C ) and XXXX XXXX and XXXX XXXX did not give I, XXXX XXXX any opportunity to Opt-Out so you will be held accountable for not complying with Federal Law. 

I am very aware that XXXX XXXX and XXXX XXXX are extorting me for nonpayment therefore by extension of credit by extortion means which is causing substantial harm and ruining my reputation and financial reputation furnishing negative information which is not required and youre ruin my financial reputation Pursuant to 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) XXXX XXXX and XXXX XXXX shall be fined under this title or imprisoned not more than XXXX  years, or both. 
Dated on XX/XX/2022, I, XXXX XXXX, am demanding XXXX XXXX and XXXX XXXX to remove my account and nonpublic personal information from all Consumer Reporting Agencies immediately. 
If XXXX XXXX and XXXX XXXX continue to furnish I, XXXX XXXX nonpublic personal information I will proceed with all actions necessary to the Federal Trade Commission and file Identity Theft against XXXX XXXX and XXXX XXXX and report you both to State Attorney General and you shall be fined under federal law 18 U.S. Code 1028A ( 1 ) ( 2 ) and imprisoned for 5 years. This you your opportunity as I addressed my demands very clear and shall not be construed for any reason by any person. Im aware of the procedures of the Gramm-Leach-Bliley Act and you are not in compliance. Your company policy does NOT supersede over Federal Law. As Federally protected Consumer, my rights to privacy has been violated.

Company response to consumer: Closed with explanation