BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023 I submitted a payment to Nelnet of {$500.00}, with the selection that the payment be applied to all the loans on file with them proportionally. ( See attachment for confirmation email, note the XXXX ID : ALL ). Instead of doing this Nelnet applied my payment to only XXXX loan Group ID : AA. This means my other loans have accrued interest they should not have. I called and talked to a representative on XX/XX/XXXX who said they could not change it but would put a note in my file requesting a higher up to take a look and change it appropriately. A follow up call on XX/XX/XXXX was told by another representative that that note was still there and no action had been taken. My loan payment has been misapplied causing excess interest and higher payments to accrue. 

In addition to this Nelnet also changed the due date for XXXX of my loans ( XXXX ID : XXXX ) from the XXXX of the month to the XXXX of the month, misaligning it with my other loans. This was done with no notification to me and not at my request. The loans have always been due on the same day as each other for the life of the loans. I requested this XXXX loan to be changed back to the XXXX of the month to match what it and the other loans has always been and this has been ignored. There was no communication from Nelnet that this was going to change and they have not changed it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: CAINE & WEINER COMPANY, 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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I have requested all paperwork relating to this loan and repossession and I have received nothing from them. The company never gave me a chance to redeem this vehicle in accordance with XXXX XXXX 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 2023-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a few late payments on a mortgage at the tail end of XXXX and tried to dispute this information XX/XX/XXXX. The reason I was disputing this information is that it was awarded to my ex in our divorce. I have attached the divorce decree and judgement for the court that pre-date the late payments. Unfortunately, my ex-husband did not pay the mortgage and it affected me. The original divorce decree was dated XX/XX/XXXX, the late payments started in XX/XX/XXXX. 
I have uploaded the final judgement dated in XX/XX/XXXX. I was able to remove a portion of the late payments but there are still some on there. XXXX XXXX has a late in XXXX, XXXX has a late in XXXX, and Equifax has lates in XXXX and XXXX. I have tried disputing this information with the Credit Bureaus in XXXX, XXXX and XXXX to no complete avail. I am glad that they were able to remove a portion of them, but I need all of these removed. The late payments were not mine, as the divorce decree signed by a judge states, and the judgement. I have written and called the Bureaus but that has not got me anywhere. 
I am attempting to get a new home and start over fresh but it seems that the Credit Bureaus do not want that for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: OH
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 to the fair credit reporting act, XXXX  ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section A. states I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been told by my point of contact XXXX XXXX # XXXX my file has been in underwriting since XX/XX/2018 and I would have a decision within 30-45 business days it is now XX/XX/2018 and still no resolution of response. I have called weekly to check on the status of the modification and I get the same response week by week there is no resolution we will escalate the issue but no response and XXXX point of contact has failed to reach out to us. We have been complaint to all of the request and would like a resolution asap. I also requested to speak manager XXXX XXXX # XXXX and he is never available to speak to according to representative. I need your help in resolving this issue. I feel they keep prolonging the decision to collect more money from me. I am more and more delinquent on my loan the longer they take to give me a resolution.

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 2023-05-01
Company: Block, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my debit card and used purchases. I couldnt access account as phone was broke and online didnt have where could disable card. I was able to change pin that stopped new purchases although the thief had card to an account he kept using. He spent {$800.00} before I got new phone to use the CashApp app to cancel card. The CashApp debit card did get refunded for some of charges. Yet they saying I authorized what I didnt authorized. I am contacting the merchant and they keep having me fill out this detail sheet and nothing changing as they asked me to fill out detail sheet about three times. I cant call and explain to either company for they seem not to have anyone to speak with on this issue. 

Here are all transactions of fraud to my account. 

XX/XX/XXXX. {$15.00} XX/XX/XXXX. {$59.00} XX/XX/XXXX. {$11.00} XX/XX/XXXX. {$13.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$19.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$54.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$1.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$26.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$12.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$7.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$14.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$16.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$18.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$9.00}. 
XX/XX/XXXX. {$7.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$14.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$15.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$3.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$16.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$12.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$10.00} If you could help recover stole funds, that be so helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a Vanilla Visa gift card over a year ago as a gift. I have tried to use the card several times at different stores. Unfortunately the card always declines. I am sure the card has {$65.00} Dollars on it. Since I have called customer service to get the balance every time the card declines. At least 5 times. They always state my balance is {$65.00} All the transactions I try to make are less than that amount. I have called customer service several times on XX/XX/23 and XX/XX/23 to get the numbers in the back and try to use it online. They refused to give me information or issue a new card. I opened a case file with them but they told me that if I can not provide proof of purchase they can not do anything about it and can not issue a replacement even though they know the card has a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX hospital charges the bills that is not supposed to charge. I've contacted them to waive the fee that was not fair to charge for the first patient registration. 
I have never seen this kind of biils in the past. 
I also contacted the debit collector company but they are very rude and not supported to customer at all.

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 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account online with Bank of America on XX/XX/XXXX. I opened both a checking and a savings. I was approved, and from there I was granted access to online banking, where I created my user id and password. I deposited money from my current bank account ( with a credit union ) -doing two separate transactions- to my new checking AND savings accounts with Bank of America XXXX My debit card arrived on Saturday XX/XX/XXXX. I called to activate it and it kept telling me that the card info could not be found in their system. I tried to log on to my banking, and it kept saying " user id/login invalid. '' Finally today, XX/XX/XXXX, I was able to reach a live rep. I spoke with many different people. I kept getting transferred and put on hold and hung up on. They told me that my account was closed on XX/XX/XXXX, which is the day I opened it. They said that it was flagged for potential fraud but they would not give me any details. The last woman I spoke with ended up telling me that I was the reason it was flagged for fraud, that my identity could not be verified. Despite them taking my money from my other bank account ( in TWO transactions ). They also kept telling me that I only made one deposit for XXXX dollars. This is false. I made two separate deposits. I kept telling them that I have the transaction numbers from my bank to verify this. They then told me that I would need to reapply for an account and I would need to do it in person. The problem with this is that the branch by my house has absolutely nobody working there. they are a fully operational bank set up with no staff. They only have the ATM machine and drive thru open. In order for me to speak with someone face to face I have to schedule an appointment and the nearest staffed branch is not near where I live. After over two hours on the phone they finally told me that two separate cashiers checks are being mailed to me and I should see them within 7-10 days. I asked them for the reference/check numbers for these and they told me they could not provide me with any of that info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: FIRST PORTFOLIO SERVICING INC
State: NC
Product: Credit reporting 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:
I did not authorize company to run my credit this is fraudulent 15US CODE 1681c2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Bread Financial Holdings, Inc.
State: CT
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 filled numerous complaints with XXXX and XXXX  and XXXX yet all of them have different information. I have cleared up 3 issues which 1 was a fraudulent issue one was a prior complaint I sent to you because I couldnt get them to resolve it and another was my sister was a user on a card a passed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called spoke with a representative in the early summer of XXXX  and enrolled myself in a new repayment plan ( Extended Fixed Repayment Plan ) that would have made my payments {$260.00} a month. I received correspondence that this was approved XX/XX/, yet I am still getting billed significantly higher amounts under a standard repayment plan and they have not fixed this. I have tried to call and email them several times and are unable to get a hold of them. I sat on the phone on hold for several hours only to be hung up on and am continuously receiving bills under the standard repayment plan despite my other payment plan being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2017 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1600.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2023-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Portfolio Recovery stated in a response to prior complaint that they never received information or documentation from XXXX XXXX requesting proof that XXXX XXXX AKA Portfolio Recovery LLC never received nor heard from XXXX XXXX disputing said Account. Also in Response from Portfolio Recovery on said account that first missed date or default date was XX/XX/XXXX when first said missed date or default date was XX/XX/XXXX provided by Portfolio Recovery LLC themselves. When in fact XXXX XXXX sent certified letters as well as emails disputing said Account in which in fact I had a response from a representative from Portfolio Recovery on this matter from there dispute department that Portfolio Recovery stated they never received any correspondence from XXXX XXXX disputing the said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Chime Financial Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I am writing this complaint regarding dispute number : XXXX for {$440.00} made on XX/XX/2023 ; the ATM did not dispense any cash when I tried to withdraw funds. I called on XX/XX/XXXX to file a dispute regarding the issue. I was given a timeframe of 45 calendar days, however, the dispute was closed on XX/XX/XXXX! I called Chime immediately to discuss the reason why my claim was closed so quickly without a thorough investigation- and the representative couldn't provide me with anything namely as to how this decision was reached. He told me was going to be sending the " documentation via email that the disputes team used to reach their decision within 10 business days ... '' I asked him why would it take 10 business days to send me documentation? And he said because they have to " verify the accuracy of the documents before sending them to me. '' That literally contradicts what he initially said - you don't need 10 business days to verify anything if that was already done ( or should've been done ) to adequately investigate my claim. So, the disputes team literally closed my claim within 24 hours ( by the way I've been using banks for years, I have never had an ATM withdrawal claim closed in 24 hours, it takes weeks to investigate this stuff ). I am positive my claim was denied merely because Chime didn't want to pay it! By law, they are responsible for protecting my account and refunding money that was debited if an ATM malfunctions, for fraudulent transactions, ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation