BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attended XXXX XXXX college back in XX/XX/XXXX-XX/XX/XXXX. I had a student loan with sale mea that was sold to, two different companies. one XXXX and the other Navient. I never had my GED when I attended XXXX XXXX   college and was not able to benefit from degree- I submitted paperwork to both loans ( ability to benefit ) will all required documentation I was told. I submitted application/GED/GED scores/final grads transcripts from XXXX XXXX college. XXXX accepted these quickly and approved the application and is now pending with department of education FASA. Navient on the other had, is the one who told me to attach these documents and now is trying everything in their power to decline my application. first the said I had to correct last name, so I did, then they told me to resubmit application because I did not have a references on it, so I did. Now they stated I need to submit an agreement from school. The college I went to is no longer, has be cut off by government funds so they filed bankruptcy and shut their doors due to corrupt actions. I can not get this paperwork, on the gov department website it stated to show proof of GED and Transcripts and application which I did. when I call them they will not put me on the phone with the correct people, when I ask for supervisor they hang up. I told them I would put in a complaint due to them not wanting to process my paperwork and they hung up on me. I don't know what to do if I loan approved and this loan will not- it is all from the same school. I can not get anyone from that loan to answer my questions, they refuse to process application and eat time I submit what they ask they come back with another and another, information school would have that no longer exists. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX of XXXX, on my phone 's Chase business app, clicked on a promotional offer for a XXXX Credit Card. After filling out the information requested, there was a message on my phone letting me know that I might have to unfreeze my credit for them to check. Following Monday called back an XXXX number to let them know I unfroze my credit for a few days per they request. My Business ( Chk : XXXX ) relationship with Chase is more than XXXX XXXX XXXX, with checking and savings, never even a minor problem, always excessively funded and they advertised the fact to issue a credit card especially for someone like me who has history and good relationship as super easy and fast! 
After about XXXX weeks of the original application, called back to check, I asked why is taking so long? Was told that is Not approved, When I asked Why? They had No clue, was told will receive a letter in mail. NOTHING HAVE RECEIVED IN MAIL. Called back many times, they say different stuff, By the way my credit score is close to XXXX, and I made a trip in which I could use a XXXX card and of course with other purchases! Have requested at least XXXX times a letter for the denial No letter ever came! It seems, they Do Not Want to send this letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: FIRST NATIONAL BANK OF OMAHA
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: Card was charged for something you did not purchase with the card

Complaint:
Subject : Response to Complaint Regarding Account Number XXXX Dear FNBO Thank you for reaching out to us regarding your account, with the last four digits [ XXXX ]. 

I acknowledge that I received our letter dated XX/XX/2023, in response to my complaint. Im dissatisfied with your decision to deny my claim based on the mentioned in the letter. 

I have requested signed agreements or signed sales drafts as evidence for the charges in question. I did not make said charges and will not pay for something I did not do. I will seek legal action if these charges are not revered and credited back to my account or all documentation to determine whether I made/benefited from them. 

If this is not updated and removed from my credit I will be forced to seek legal counsel as this is harming my credit. I look forward to either charges being reversed or copies of all sales drafts that arent credited back. 

Sincerely, 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 2022-01-03
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was looking to purchase a new home and needed a pre-approval from Wells Fargo- the preferred lender of the builder. I applied with the builder 's contact at Wells Fargo and I was not pre-approved through Wells Fargo. I applied with Wells Fargo on XX/XX/2021 I later found out that the loan officer I worked with shared my personal financial information with multiple people and talked negatively about my financial situation. He shared a list of my debts and financial information with the builder 's realtor, who then shared it with my realtor and my future mortgage broker. I have no doubt that it was also shared with others that I am unaware of. 

I do not how much information was shared but I was told by my realtor and mortgage broker that they both were uncomfortable with the amount of information shared with them. 

I did not submit this complaint sooner because I do believe that the Wells Fargo representative and the builder 's realtor have some sort of quid pro quo deal and I did not want to jeopardize the real estate deal - I later found financing outside of Wells Fargo.

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 2022-01-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan is/was with XXXX XXXX XXXX. I was on a forbearance plan which terminated on XX/XX/XXXX. I signed up for a junior mortgage and was to begin making payments again on XX/XX/XXXX. 

XXXX XXXX XXXX supposedly sold my loan to XXXX XXXX XXXX XXXX XXXX, which has no record of my mortgage. 

When speaking with XXXX on today, XXXX ( XXXX ) stated she could take my payment over the phone. I stated I wanted to pay online. I was then transferred to XXXX XXXX ( XXXX ), who told me that I could not pay online because I had written too many bad checks. I told XXXX I had never written a bad check in my life and had been paying online since they bought my loan in XXXX. XXXX then transferred me to XXXX ( XXXX ), a supervisor, who said my loan was in the process of being sold/transferred. 

I asked XXXX how do I pay if the new company says they have no record of my loan and he said their was nothing he could do. 

I am also concerned with the fact that I completed junior loan paperwork with Lakeview Loan Servicing, yet, they sold/transferred my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Torres Credit Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I disputed a {$2100.00} collection, I requested that the debt be validated in that request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 an 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: Incomm Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
My daughter got this card for her XXXX birthday and someone used it in California at a XXXX and a XXXX. When I called the company they wanted me to provide them with the receipt of the purchase of the card and I had explained to them that I didnt know who got my kids the card and I shouldnt have to call everyone to find out who got them the card, XXXX of my kids got one. I also provided proof that I live in Ohio and the card was being used in California. This company refused to make things right and are very rude about it. What I dont understand is if this is a gift card its a gift and I shouldnt have to ask for a receipt. I was also on hold for an hour and a half waiting for manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2023-05-13
Company: Experian Information Solutions Inc.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am enrolled in the extended graduated repayment plan. On my Nelnet account, the dashboard says my monthly payment is {$230.00}. On the repayment option page, it lists that the monthly payment for the Extended Graduated plan would be {$140.00}. The repayment schedule also shows a total of {$230.00} with only 162 payments ( XXXX years ), even though I am in the plan that would allow up to 300 payments ( 25 years ). I have reached out to Nelnet 2 times, on XX/XX/23 and on XX/XX/23 and both times the agent agreed this payment amount is wrong and that the loan would be re-disclosed and the issue would be fixed. However, nothing has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
in accordance with the fair credit reporting act XXXX account 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 states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act convergent account 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 states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22

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 2023-05-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I contacted Equifax to request the removal of a comment listed on my XXXX credit card ( consumer dispute this account ) the rep stated she has had put in the request to remove comment it would take 24hours. When I checked my Equifax report on XXXX XXXX my XXXX credit card was not reporting at all disappeared when I spoke to Equifax supervisor XXXX ID # XXXX on XXXX XXXX he stated that the company/LENDER is the only one that could had remove my account. after speaking to XXXX who states they did not request removal of my account and that the account is still being reported in good standing on other credit agency and is still open. this is an error on Equifax side and to give them call to fix it. after calling Equifax they refuse to look into the matter of what happed to cause my open account that had been reporting for 1yr to just disappear the next day after request removal of a comment. how did this account get removed completely if the Leander did not do so? and let me remind you the removal of this account decreased my credit worthiness of {$4300.00} that's not being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
When I purchased car my credit score was a XXXX and XXXX. I wasn't aware that my interest rate was at 11 percent. I was not aware of this high interest rate. I'm paying more in interest than the price of the vehicle. They wont give me an explanation as to why my interest rate is so high. At this point it will take me until XXXX until I will payoff. I purchased it in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I called Chime Bank where my Checking account is and I asked them if they could get in my checking account and send XXXX, XXXX a XXXX dollars Down Payment for a vehicle that I was approved for they told me YES and they went to my checking account and deducted the XXXX dollars and Electronically sent it to XXXX, XXXX so I thought my delivery of my NEW VEHICLE was supposed to be on XX/XX/2023 on XX/XX/2023 I received a phone call from XXXX, XXXX telling me that they were not going to deliver my vehicle on XX/XX/2023 when I asked why not they told me that they have not received my XXXX dollars DOWN PAYMENT yet so they told me that they have to reschedule the delivery for the next week XXXX, XXXX then scheduled the delivery to XX/XX/2023 on XX/XX/2023 the day of the delivery I never heard anything from XXXX, XXXX whatsoever so that's when I called them and I asked them why haven't I heard anything from you about my delivery for today that's when they told me once again we still have not received your XXXX down payment so I called CHIME for the XXXX time and told them what XXXX, XXXX was saying, CHIME kept lieing to me telling me that they sent the XXXX DOWN PAYMENT to XXXX, XXXX finally I asked CHIME can you please send me proof of the check you sent to XXXX, XXXX when they sent the check image EVERYTHING on this check was wrong they had XXXX, XXXX wrong address on this check they had my information wrong they said I live in XXXX XXXX XXXX, UTAH when my CHIME PROFILE shows my correct information. They still HAVE NOT GAVE ME back my XXXX dollars they stole from me even as of Today 's date I'm asking you for your help to get my XXXX dollars back as well as DAMAGES for all the Stress they put me under,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. XXXX the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 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