BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with DEPTEDNELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
According to : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information Also, because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume, that no proof of the alleged debt, nor any such debt in fact, therefore exists XXXX Experian and XXXX continue to report wrong and fraudulent items on my report and they will not remove these items ... XXXX has removed these items but not these 3 bureaus... 

Experian Bankruptcy XXXX 's {$1600.00} XXXX XXXX {$800.00} XXXX XXXX {$1000.00} Plus 1 inquiry from XXXX XXXX XXXX 's {$1600.00} XXXX XXXX {$800.00} Plus 10 inquiries over the last 3months and beyond

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 2019-06-19
Company: Navient Solutions, LLC.
State: OR
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 have student loans beginning in XX/XX/XXXX thru XX/XX/XXXX. When it was time to reconcile my loans in XX/XX/XXXX, I wasn't working and when I called Navient to see if I could make $ XXXX monthly payments, they put me on forbearance. I had no idea what this was but it eliminated my payment so I went along with it. This also happened in XX/XX/XXXX and XX/XX/XXXX. I was willing to make minimum payments of up to $ XXXX/month, but was not given that option. I also had no idea that interest was accumulating at a rapid rate and as of this date I owe {$1800.00} in interest. 

When I decided to look into what my options were, I was shocked to learn that there were 4 different income based plans that I could apply for. These were never explained to me. 

Recently I lost my job and called to ask if my $ XXXX/month payment could be lowered, I was told no that I would be put on deferment. I think this is terrible that I am willing to pay a monthly payment but am being told no. I am not sure what this is doing to my interest. Would the interest amount be different if I had been making small monthly payments the past 3 years? I want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2018-12-13
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect. 

To make matters worse In XX/XX/2018 XX/XX/2018 I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.

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 2021-03-03
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sequium Asset Solutions : XX/XX/2020 I received a bill from Sequium in the amount of {$3700.00} from an XXXX XXXX XXXX bill. Due to Covid I was unable to pay right away. On XXXX XX/XX/XXXX, I contacted Sequium and arranged a payment plan for 10 equal payments to which they agreed to begin withdrawing from my checking account on XXXX XX/XX/XXXX. On schedule they took the money out of my account. On XXXX XX/XX/XXXX I received communication from a company called XXXX stating they had taken over the debt. The money was returned to my bank by Sequium. On XXXX XX/XX/XXXX my account was charged again by Sequium. 
I have tried to call them on every number available to the public and their automated systems will only go to a full voicemail account. I have notified my bank to block all further charges, however this company still needs to be investigated. they owe me money now because my financial institution charges me for every month I block their fraudulent activity, but its is too expensive to sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2022-08-08
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, I purchased a phone in XXXX website by using their store finances through TD Bank ( as attached receipt shows ). I was {$660.00} after instant trade-in discount for trading my old phone ( XXXX XXXX  XXXX XXXX ). My phone instant trade-in value was {$650.00} as page tree of attached document shows. Unfortunately, I did not like the new phone, and I returned it with the 30 days of the XXXX return policy. When XXXX processed the return, they already charged me the trade-in discount because they did not receive my older phone. Because I returned the new phone, I did not need to send my phone. 
The TD bank which XXXX uses was charging me late fees for lack of payment. I contacted with them so many times and explained to them that I returned the phone, and my balance would have been XXXX. I also contacted with XXXX, and they were telling you return the phone, so you don't owe anything. 
I was XXXX between XXXX and TD bank to feature out what is going. When I call TD bank, they were telling me call XXXX and when I call XXXX, they were telling me call TD bank. 
In late XX/XX/2020, XXXX figured out that they did charge me the trade in phone but not refunded. But i was getting charged late fees. 

I so many times tried to explain TD Bank and what was going and to waive the fees, but they pliantly refused to do so. They are reporting me to credit agencies with Charge off and late payments.

I even filled out and sent a form they sent me XXXX about the dispute but they have not processed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TN
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:
Experian has constantly allowed fraudulent undocumented activity on my credit report under the guise they will " investigate '', which properly and professionally implies they are going to demand documentation and proof, which the do not, they merely ask XXXX XXXX XXXX who's has constantly been reporting false and fraudulent credit slandering reports against me for at least months, refusing all my demands their predicated and required to provide to me which is proof and validation of which they have refused to show me, any credit agency and any other agency even the CFPB, and Experian and other agencies mislead and flat out lie and say they verified the accuracy, because they haven't properly and I know because not only did they tell me finally that's the extent of their incompetent investigation which favors them and scammers, but I know doesn't exist because it's impossible to produce as its a lie and not mine.So I request Experian do their due diligence in requiring what I've so far been denied, proof, documentation and validation from XXXX XXXX XXXX and provide it to me as well, and as soon as they act honestly, entrusted with allour sensitive info you will see XXXX XXXX XXXX as the scam they are and all FCRA, FDCPA, CPA, etc. they have ignored to follow intentional, thus it will stop.If not, what experian and the others allow is a scammers dream and is wrong.So in closing while I have discussions with the OCC about the negligent incompetence I expect them to provide what I demand per my rights under just the minimum of FCRA, Proof and validation and removal of all false and fraudulent credit reporting against me.I write this after again getting an incompetent reckless false notice they verified yet again with no documentation required taking these scammers at their word.This incompetence must stop it is damaging to everyone as the by not properly requiring proof, documentation, and validation can only be see as complicitness and facilitating more scammers, thus isn't right and must stop. 
Not too mention you can rarely get someone on the phone unless you make them think they might make money off you.WRONG MUST CHANGE.More regulation needed, much more, and should not be privatized for profit period as this is what happens what there wrongfully doing to me and no telling how many others.This must stop.Just to be clear it's still wrong, and I strongly dispute it and dispute experians manipulation. 
*May contain some typos due to keyboard

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 2020-04-09
Company: Experian Information Solutions 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 status incorrect

Complaint:
There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit  for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change it.

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 2022-05-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Pursuant to the attached letter, as an added insult to injury, even though TD Bank unilaterally and on their own decided to abruptly close our bank accounts in retaliation for our filing customer service complaints with the XXXX XXXX XXXX, CFPB, and XXXX Department of Financial Services ( amongst other agencies ), they also closed our attendant merchant credit card acceptance accounts as well. 

However, they left open the really horrible part - that these " merchant accounts '' are still " open '' for disgruntled past clients from as far back as 6 months to 1 year to file " credit card charge backs '' in the tens of thousands of dollars, and we have no way of either : ( 1 ) knowing about it ; ( 2 ) responding to it ; ( 3 ) finding out about it ; and ( 4 ) presumably would only discover it once the XXXX thieving former clients or the TD Bank itself obtains a default judgment against us and places a lien on our current, new bank account ( s ). 

Please investigate this shady bank, and its equally shady, deceptive, retaliatory business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
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: Account status incorrect

Complaint:
XXXX was reported in my credit reportlatte payment in Experian, XXXX and XXXX .. this is a mistake because this account was pay off for XXXX XXXXXXXX to XXXX XXXX on 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 2023-06-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Best Buy credit card from citi bank. Will not accept my payment coupon. When asked for confirmation of debt I said I need all wet signatures. They sent me a bill which is not a confirmation of debt. They said they varied the debt. I sent them a letter saying with who name address phone number and who it was a lawyer etc. no response. They need to zero out this account and fix credit report. They need to refund my money what they really owe me in silver coins legal tender not federal reserve notes. The ceo will need to go XXXX arbitration so we can see there book keeping entries. A book from federal reserve called money modern mechanics page XXXX states banks can not lend money. XXXX. Banks take signatures promises to pay and exchange them for credits basic book keeping entries. All bank loans are fraud.

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 2021-10-14
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: Information belongs to someone else

Complaint:
XXXX, Transunion and XXXX continue to report inquiries that were involved identity theft and I have provided id theft reports that these are not mine.

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 2018-07-29
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, Im writing in to complain about Experian. They refuse to delete a charge off from XXXX XXXX Account # XXXX. I've disputed this account several times and they refuse to delete this account after failing to stay in compliance with section 609 ( a ) ( 1 ) ( a ) of the Fair Credit Reporting Act. I simply asked to see verifiable Proof ( an original Consumer Contract with my Signature on it ) without sending me any original signed contract that Ive signed. 

Experian blatantly and arrogantly disregarded my right to ensure that all accounts they post on my credit report are absolutely correct and accurate. They have never provided me any verifiable proof ( an original contract with my signature on it ) ever. 

Who's to say that anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

This is seriously hurting my credit score and I have the legal right to demand Verifiable Proof or this item must be deleted! See attached proof of mailing and notarized documents that I mailed certified and also their response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I applied for a cash out refinance late in XXXX  with an interest rate of XXXX for 15 years. The application process was moving along smoothly. Not long before my rate was set to expire, XXXX XXXX underwriting requested building inspection from the HOA. I found it odd that they waited until we were approaching the deadline to request this information. I enquired more than once as to why didnt they request this at the start of the loan like they usually do when important information is needed. I was never given a direct answer except that due to the condos that collapsed in Florida in XX/XX/2021, XXXX XXXX and XXXX XXXX are requesting this information to move forward with the loan. Long story short, the loan was eventually denied due to not being able to present the inspection that was requested. Not long after interest rates began to skyrocket. I eventually reapplied and by now the interest rate that I was approved for has gone up to XXXX. Thats a big difference from the previous rate I was approved for. Ive made a complaint with Mr Cooper but still havent got a straight answer. I feel that the mortgage company was aware that the rates was going to start to increase, and the previous loan was intentionally sabotage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: OneMain Finance Corporation
State: CA
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:
On XX/XX/XXXX I inquired about loans from One Main Financial. On the final page, which is intentionally created to confuse the consumer, it says to check a box if you would like OMF to show you offers for loans and that they would then check your credit.

HOWEVER, below that it very clearly states that having OMF check your credit will NOT affect your credit. ( Please see screen shot attached ) Within seconds of agreeing to proceed all my credit reports were hit with a hard inquiry. 

I called OMF on XX/XX/XXXX asking why this happened and then I was given the run around that I needed to speak to a specific department and to call back Monday. 

I called today and was redirected twice to a department that was clearly set up to handle this exact issue. There are thousands of complaints about this issue online. Like reading from a script they denied their authorization was deceiving or confusing and refused to remove the inquiry. They also will not stop calling me or emailing to approve one of the loan of offers. Pure harassment at this point. 

This is a very intentionally deceptive practice clearly created to confuse and bamboozle the consumer. 

OMF has numerous lawsuits and complaints for deceptive practices spanning years. This is simply another attempt to scam and harass the consumer.

Company response to consumer: Closed with explanation