BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As stated in previous complaints, I applied for SAVE on XXXX, wasn't processed. Last week ( XXXX ) was told I had to pay {$5.00} to switch to SAVE. Today I received an email and I am now on the Standard plan. Never applied for the Standard plan. I want my {$5.00} back and I want someone competent to explain how someone was put into a plan that wasn't applied for and previous to covid was also on an income driven plan. Very angry and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For my transaction with XXXX on XX/XX/XXXX, I have submited disputes to Citi and requested a police file from XXXX XXXX for the non-delivery of purchased item of value {$1900.00}. 

Citi closed the claim in XXXX 's favor despite abundant evidence from me and no evidence provided by XXXX. By law it is Citi 's fault and responsibility to reimburse the lost value due to its negligence in investigation, however Citi refuse to provide such a fund. Consumers should not bear the responsibility of loss when all duties, and when their financial institution does not serve their duties. 

XXXX : this fund and its following processings has lowered my credit score in Citi 's retribution. I hereby request Citi to remove and mend any damage done to my credit history.

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 2020-12-17
Company: Southwest Credit Systems, L.P.
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: Account information incorrect

Complaint:
ON XX/XX/XXXX I PAID THIS ITEM THAT WAS IN COLLECTION, I PREVIOUSLY SPOKE TO THE COLLECTION AGENCY AND HAVE EXPRESSED DOUBTS THAT I OWE THIS AMOUNT OF MONEY FOR A PHONE I PREVIOUSLY HAD. DURING THIS TIME, MY GRANDMOTHER AND GRANDFATHER WHO RAISED ME DIED IN XXXX AND XXXX RESPECTIVELY. ALSO MY AUNT DIED THIS YEAR IN XXXX, WHO I LIVED WITH AND EARNED INCOME FROM PROVIDING HER CARE. THE AGENT FROM THIS COMPANY TOLD ME SHE WOULD SEND CONFIRMATION OF THE BILL, HOWEVER I NEVER RECEIVED IT. WHEN I CALLED THEM ON XX/XX/XXXX TO PAY IT, THEY WERE RUDE AND NASTY AND SAID THEY PUT IT ON MY CREDIT REPORT ON THAT DAY. I ASKED THEMSINCE IM PAYING IT THIS DAY WHY WOULD THEY PUT IT ON AND THEY STATED THAT THEY COULD THOUGH I NEVER WAS GIVEN A CHANCE TO DISPUTE THIS ITEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
This complaint is to address the incorrect escrow analysis generated on XX/XX/2023 and I believe it is incorrect because it is performing an escrow analysis on the old pre-loan modification payment of {$4600.00}. There is also a high amount of confusion for the following two reasons : 1 ) Escrow analysis generated on XX/XX/2023 says there is a surplus of {$2800.00} and 2 ) Signed loan modification says there is an escrow shortage of {$2400.00}. 

As of XX/XX/2023, the loan modification has been notarized and signed by me and delivered by XXXX on XX/XX/2023. Therefore, can you please clarify which is the right number via an official letter? I think a new escrow analysis should be done after the loan modification is completed with the loan-modification payment number. If there is a smaller escrow shortage less than {$2000.00}, I would like to make an escrow-only payment to bring this escrow shortage to {$0.00}. Would UWM also consider to making my monthly escrow payment to be divided to 24 months instead of the standard 12 months ( as shown in this attached letter )?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, AMERICAN EXPRESS add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Account information incorrect

Complaint:
I have submitted a dispute to Experian, XXXX and XXXX regarding a XXXX Account reporting on my credit report. It continually drops off and reappears displaying a balance of XXXX and balance dates, status dates continually changing from time to time. Its displayed as account status closed with a payment status as charged off. This is accurate information and this should be removed. I would like a letter of confirmation when completed as well. 
There is also a XXXX XXXX XXXX account that is not mine that is being displayed and I have submitted to be removed and again no resolution where it continually appears and reappears with revolving dates.

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 2023-11-20
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Type : Domestic Limited Liability Company Business Status : Admin. Dissolved Business Purpose : NONE Principal Office Address : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX Date of Formation / Registration Date : XX/XX/XXXX State of Formation : Georgia Last Annual Registration Year : NONE Hi There, Im filing complaint toward company listed above, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX # XXXX. 
As they were sending a false statement demanding payment on XX/XX/XXXX, which I request charge details thru email on XX/XX/XXXX, never heard back from them but keep calling me for payment. 
Now they have sent me to collection for money that i never owed. Please help. before that they were threatening me for legal action that is illegal. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Recently I was a victim of a work from home job opportunity which turned out to be a fraud/scam that targeted and stole all my money from linked sources to my venmo account. I contacted venmo and went through the difficult process of contacting support to file a report and dispute. Up to that point I had not had anh issues or filed any disputes, and i have been a long time customer of venmo. After over a week of back and forth with customer support and sending proof and supporting documents to prove my claim, I eventually get transferred to a sketchy " account specialist '' email with no direct phone number. The " specialist '' emails me saying that my account is suspended and something about violating venmo terms. Every other disputed transaction was approved and the others, especially the larger transactions I was scammed from were denied. It literally looks obvious that the specialist picked and chose which transactions to approve and denied the important ones. I respond to the email voicing my concerns about the investigation process and resend all my proof, police reports, screenshots, etc. Only days later to find out that my account was permanently closed and my funds locked in venmo. I am unable to contact or reach the " account specialist '' or anyone directly because they are only reachable by email. Also, they respond in an untimely manner of 7-10 business days which is not acceptable. I need help please. Venmo is neglecting to and it seems purposely avoiding their obligation to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Aargon Agency, Inc.
State: SC
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment or credit card account under an open end consumer credit plan as late for purpose.

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 2019-02-09
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
There are 3 items on my credit report that are not mine. I did not open accounts with Midland. ive never had an XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted several request to update and correct my name and addresses that are on my consumer report. By law nothing should be on my report without that is incorrect or approved be me the consumer. My name is XXXX XXXX XXXX no other name or names should be on my credit profile as they are not correct. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX no other addresses or previous addresses as they are incorrect should be on credit profile. It's the duty of these consumer reporting agencies to provide accurate and exact information with the consumer consent as all this information is my personal information. Please update with XXXX name and XXXX address.

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 2020-08-17
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX as Trustee Under Pooling & Servicing Agreement bought my mortgage, which was sold to HomeQ, then Ocwen and then to PHH Mortgage. Ocwen Loan # XXXX, HomeQ  Loan # XXXX, Property Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XX/XX/XXXX ). 

I obtained a HAMP modification with HomeQ Servicing on XX/XX/XXXX. At the time of my modification the new principal balance was {$200000.00}. When the loan was transferred to Ocwen they  added deferred principal of {$83000.00} and extended the loan from 30 years to 44 years. Bottomline, since I have been paying on this loan ( XXXX to today - 14 years ), my principal balance is showing {$250000.00}, when the original loan amount was {$270000.00}. This means that with 168 payments ( over 14 years ) of approximately {$1200.00} ( each month ) = {$210000.00} paid, PHH Mortgage is saying I only paid down {$22000.00} from the principal. This does not make any sense. I need to see the entire amortization schedules from the onset of this loan. 

Please help me investigate this. Thank you. XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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: Account information incorrect

Complaint:
i have 2 student loans for my 2 Master Degrees i had in my reports that i do not have to start payments until XX/XX/2016. 
In 2016 in XXXX i started receiving calls from XXXX XXXX and XXXX XXXX  saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted Nelnet to request a hardship deferment on XX/XX/. The agent with whom I spoke indicated that, since I had recently updated my income/tax information on Studentaid.gov, she would process my application via phone. I never received information about this. 

I called Nelnet again in late XXXX and in early XXXX and, both times, agents indicated that they would process my application. 

On XX/XX/2023, I called Nelnet again and spoke with a supervisor. She contradicted previous information I received about processing the application via phone and said I would have to file additional information to begin the application. After a long consultation with her, I decided to initiate a 12-month forbearance ( which I did via phone per the supervisor 's approval ). The supervisor said I would receive an email, within within a few minutes or possibly a few hours, confirming the forbearance. I have still not received this email. The supervisor did say she would call me today on my mobile. I was in a work meeting and missed the call. She left a voicemail but no direct contact information -- only the main Nelnet phone number. I am now on hold for " greater than 90 minutes '' during my work hours.
Beyond the contradictory information and lack of confirmation via email, I have had to wait no less than two hours and as long as three to four hours to speak with a person at Nelnet. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-17
Company: DISCOVER BANK
State: WI
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:
Discover is trying to charge me for fraud charges made on my account. I alerted them to the fraud and they refuse to remove the charges. The fraud amount to {$8200.00}. 

Discover says they don't have to remove these charges because a security hold was removed over email. 

I can be contacted at XXXX XXXX XXXX, for more details. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It has been almost 7 months since this happend to me and my business. I received a XXXX grant In XX/XX/2020, this year. The funds were in my account untouched for two months. There was no freeze or any kind of action against my account, at Navy Federal Credit Union. I went into the branch to make a withdrawal with proper identification, and I was treated the worst possible way, the staff and managers, not only embarassed me, but singled me out and had the fraud dept freeze my account. I then called the fraud dept of the bank, from the bank with the Small Business Association on the phone line as well, for a conference call. The purpose of that was to let the sudden flag for fraud alert that the teller/manager put on my account removed. After speaking with the fraud department in the conference call, they allowed me to make the withdrawal and removed the fraud block. At this time im almost 5 hrs into being at the branch on XXXX XXXX in XXXX sc. I handed phone back to the office manager to be certain the fraud specialist cleared up the issue. I then went back in line, waited about 30 minutes, I had in hand, my 2 forms of state issued IDs and filled out withdrawal slip. Then to my amazement, the teller is refusing again to let me make the withdrawal. I ask for the manager that was sitting with me during conference call. She came up and said they now need to verify my military background. Im just looking at these people wondering why they are completely against me making a withdrawal. I explained to them my account has been open around 6 months. Now suddenly uour questioning my military background. I almost called the police on these people workng at the bank. Im now in this bank for 7 hrs and 30 min. Not to mention, the hour drive to the bank. The manager at the bank confirmed my military status and again, i go to teller counter to make withdrawal and the lady tells me again to call the fraud department again to remove the flag the manager placed on account questioning my military background. Its now XXXX  and bank is closed. They refuse to let me make the withdrawal, I was very insulted, embarrased, and completly was singled out. The teller commented that I am the only white person that had been thru the bank all day. She just laughed and laughed with her other co workers. I asked what was that comment for. They just laughed. I left bank and returned the next day at XXXX. The lead teller told me I dont have funds available in my account. The sba can not redeposit my {$10000.00}. I have contacted Navy Federal Crefit union repeatedly. They wont return any calls or letter I sent in. They are responsible for my loss, and need to be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX  Back in 2009 XXXX 's already had to pay a {$4.00} XXXX settlement after it was involved in a Texas state lawsuit where it was accused of deceptive trade practices. In XX/XX/2009, Attorney General XXXX XXXX filed a litigation against the electronics retailer claiming it violated the Texas Deceptive Trade Practices Act.

Company response to consumer: Closed with explanation