BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I recently had my student loan transferred to Nelnet in the wake of student loan payments resuming post-XXXX  and the discontinuation of Great Lakes servicing student loans. To be frank, Nelnet has acted with, in my opinion, gross incompetence, unprofessionalism, and malfeasance. 

About a month ago, in XXXX, my loan repayments were not scheduled to resume until XXXX, XXXX according to Nelnet. I am a graduate student whose loans should be in deferment. While the XXXX, XXXX date seemed arbitrary, as I am not likely to graduate until XXXX, it was far enough out that I resolved to take care of the problem during winter break, when I had more free time to deal with it. 

However, about XXXX weeks ago, at the start of XXXX, my loans suddenly resumed and interest began accruing. {$130.00}, to be exact. My deferment status had been submitted to Nelnet via XXXX XXXX XXXX through my institution, a fact Nelnet has dutifully ignored. Moreover, my previous loan servicer, Great Lakes, was aware of my deferment status, and for a time Nelnet must have been to, as the change in deferment occurred only two weeks ago, as previously mentioned. 

This initially did not seem like a big deal, as I assumed I could just file the deferment request directly to Nelnet and then contact customer service to remove the accrued interest. Logistical errors are inevitable, and so long as I can contact customer service to resolve the issue it is ultimately not that big of a deal. The issue is that Nelnet customer service is virtually impossible to contact, and has been for the past two weeks. I have had emails ignored, and phone hold times of upwards of four hours with no response. Furthermore, I can not even send my deferment request directly to Nelnet, as my University has a policy of verifying al enrollment exclusively through XXXX XXXX XXXX. 

I am a graduate student with very little time and money, and this situation has put me in duress with regards to both. I can not afford to lose days worth of work to deal with my loan providers incompetence. I understand that loan payments resuming has increased the volume of calls and emails Nelnet has received, but they have had months and months to prepare for this eventuality. They have failed to take the well-being of their clients into consideration ; knowingly causing them financial strain to which, as of writing, I have still found no remedy. It is clear that nelnet, despite being a multi-billion dollar company, has neglected to hire an adequate work force for an influx of customer support requests that they have been aware would come for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2023-01-14
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:
I am submitting this CFPB Complaint to today to request once more to remove the inaccurate personal information and unauthorized inquiries you have been reporting on my Credit File. I informed you before that I was a victim of identity theft and these items were never mine nor did I authorized anyone to conduct these items on my behalf. I do appreciate your efforts to remove a portion of the disputed accounts and information off my Credit File but there are still items being reported. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please remove the following items off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe that these items belong to me, I require you to please send my any copies of proof of ownership or verification to support you beliefs. In the event you can not provide such documents, immediately remove the disputed items from my Credit File.

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 2021-03-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX sent {$1400.00} via XXXX payment system for puppy purchase. 

XX/XX/XXXX sent {$1200.00} via XXXX payment system for a crate for the puppy. 

XX/XX/XXXX sent {$1200.00} via XXXX payment system for a crate for the puppy. 

XX/XX/XXXX sent {$750.00} via XXXX payment system for shots for puppies. 
Each time Chase Bank would call my phone to confirm the transaction and details but just a menu of options is all I got. 
I thought I was purchasing puppies through a company in ND called XXXX XXXX and they were using a shipping company called XXXX XXXX XXXX XXXX XXXX. Both companies have extensive information on their websites. Both these websites should be closed down. 
I have the following number for XXXX XXXX XXXX. 
Phone number XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The phone number for XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Netspend Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I was scammed by XXXX XXXX XXXX XXXX In XXXX XXXXXXXX It was An extreme over charge! I used my debit card to pay for the overcharge & Signed it " XXXX I do not want to pay this '' I reported this to NetSpend wrote them a lengthy report XXXX NetSpend Couldnt have done an Investigation .. They turned down my Dispute .. So I Investigated .. I found 29 Horrible Reviews 9 on the XXXX XXXX XXXX Others On XXXX XXXX Others on another Reporting Online Servies All Regarding The Same Exact type Issue as mine With This Company that goes By 3 Names .. The wreckers Have XXXX XXXX XXXX Written on There door .. The Office Is XXXX XXXX XXXX XXXX & They Billed NetSpend Under Another Name .. When I recieved My Social Security Ck Direct Deposit to my account NetSpend Took My Money .. They never contacted Me XXXX Other than to text that my Social Security had been deposited .. I left on a trip for a Job interview in California Thinking I had more than {$600.00} Dollars in my NetSpend XXXX My Homes In Al XXXX XXXX Alabama .. During the trip I needed the Money from my account When I tried to get it it was gone Taken by NetSpend XXXX leaving me Stranded In a XXXX Parking lot where I still am 3 days later .. I tried to contact NetSpend 6 times the First 2 times they put me on hold til it Disconnected The Third time I got to a supervisor & he hung up There were 2 more extended holds that Disconnected before I finally talked to a supervisor Named XXXX who tried hard not to be of any help NetSpend Has Caused Me Extensive Pain Anguizh & Suffering .. They Has Caused me Extensive Mental Physical & Emotional Trauma & Left me Stranded.. Please help I don't kno where to Turn and I have no other Recourse Or Resources .. Mentally

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 2021-03-22
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They suspended my account for logging in from another phone number. Then when I called they told me to send my information I did that. They emailed the wrong email address three times. I had to call the customer service number in order to see what they replied back. The representative stated that they emails only where my information got sent from or the email that is on file. Which that was incorrect because they emailed a totally different email. Then they keep saying there is nothing they can do I have to contact the support team. They have not emailed me anything when I ask questions and email from a different email they stop replying when I say it's me. They keep saying I have to wait for my account to get unsuspend. It has been 2 weeks and 4 days and my account still isn't unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 disputed a medical bill thats under {$500.00} on my report multiple times over a few years time in an attempt to have it removed and it has yet to be removed.

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 2023-01-14
Company: Genesis FS Card Services, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company is Genesis Fs. I have 3 credit cards with them. The oldest being XXXX years old I believe. I have lived at the same address for XXXX  years. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: Resurgent Capital Services L.P.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 LVNV Funding LLC. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-01-14
Company: Experian Information Solutions Inc.
State: VA
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 failed to close cellular account and did not credit my returned devices stating I owed {$2200.00} and sent to source receivables for collection. disputed with credit reporting agencies Experian, XXXX, XXXX and they failed to investigate dispute.

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 2021-03-06
Company: Continental Finance Company, LLC
State: SC
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:
I, XXXX XXXX had applied for a credit card known as XXXX XXXX that is issued by XXXX XXXX and serviced by Continental Finance Company on XX/XX/2021. I got denied because of one reason : We were unable to verify your identity. 

I called their customer service number a few times about my current application and their number is XXXX. The customer service representatives told me different things, most of them was very untrained but one of them told me to fax my personal informations directly to the company for review. It have to include my driver license, social security numbers card, and voter registration for proof of address to their fax number XXXX. I already fax them and called them again but they told me they had received but took no action without justify explanations. 

On the online application, I had given them my full social security numbers, name, date of birth, address, e-mail, phone number, and other informations they had requested. I even fax them my social security numbers, driver license, proof of address, and a copy of the reference numbers that is attached to the notice that was sent to me after I applied stating why I was denied.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

Account Name : INSURANCE SELFREPORTED Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a 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 2023-01-14
Company: LEXISNEXIS
State: MN
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:
Based on your last response on XX/XX/2023 you claimed you removed the public record from your report I call XXXX XXXX XXXX XXXX. After reviewing your response up until approved 46 there was no indication of you removing anything review the file! What I do liked that you listed each time you responded. With numbers so it will be easier for you to identify which of your approved responses showed and where you stated removal And there is nothing frivolous about this you just been caught up in a lie thats what this is all about! Remove this XXXX  XXXX and lets move forward! From your report and XXXX  XXXX and XXXX immediately Each one of you need to send a a updated credit report reflecting the Permanent removal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: FORD MOTOR CREDIT CO.
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: Account information incorrect

Complaint:
I had a joint car loan account with my spouse. She filed for bankruptcy and this debt was discharged. Her balance is been updated to {$0.00} and closed with notes discharged in bankruptcy but for me is showing OPEN and with a balance when I have no responsibility on this account and I already requested correction. The latest one was responded on XXXX stating info reported was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Home Point Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi. we refinanced thru a mortgage company in XX/XX/XXXX. I have the escrow analysis from the mortgage company estimated to pay out in XX/XX/XXXX spring taxes. our loan got sold to Home Point Financial. I emailed them early XX/XX/XXXX telling them my spring taxes were due, they asked me to send a copy of the bill- I sent that ... I'm just finding out now XX/XX/XXXX that they NEVER paid my Spring XX/XX/XXXX taxes from escrow. They paid my Fall XX/XX/XXXX & insurance XXXX emailed them in XX/XX/XXXX stating Im seeing a penalty fee of {$47.00} & the county is charging a total of {$1000.00} which is : my spring XXXX taxes, my spring XXXX taxes & my penalty fee..HomePoint Financial ONLY PAID {$500.00} on XX/XX/XXXX!!!!! They responded to my email saying they did disburse my Spring XX/XX/XXXX taxes..TOTAL DISREGARD FOR MY BILL AMOUNT, TOTAL DISREGARD FOR XXXX EMAILS IVE SENT NOW ... I have 5 days to pay my XX/XX/XXXX spring taxes or i get ANOTHER penalty if not worse. 
I want to know : WHO is reading my emails & responding with disregard to my actual inquiry, WHO disbursed my Spring XXXX taxes with disregard to the total bill & WHY they are ignoring my inquiries for my XX/XX/XXXX BILL!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This complaint is regarding a link to Paypal 's transaction processing services that appears on a business that is apparently defunct. On XX/XX/21, I notified PayPal of the fraudulent website through which it is processing transactions. While I eventually received a refund from PayPal, as of XX/XX/21, the link to PayPal 's payment processing service on the fraudulent website is still active. At this time, I am not requesting personal resolution. However, PayPal should be required to de-activate its transaction services that it provides to this merchant. Consumers should be warned that PayPal is processing transactions for a defunct business. 

On XX/XX/21 I ordered flowers through the website of LA XXXX XXXX ( http : XXXX ). The merchant 's website includes a PayPal link to process the payment. The amount of the payment I made through PayPal was {$86.00}. When the flowers I ordered and paid for were not delivered, I discovered that while the website for this florist appears to be operational ( i.e. you can place your order and submit payment via PayPal ), the " contact us '' feature on the florist 's website does not work, one phone number is out of service, and the ( XXXX ) number is some sort of automated number unrelated to the florist. This florist is apparently out of business, although the website that bears its name continues to actively solicit and process transactions through PayPal. In addition, although I submitted a request for refund to PayPal on XX/XX/21 and notified PayPal that the merchant 's website is apparently fraudulent, as of XX/XX/21, this merchant 's website and link to PayPal 's transaction services is still active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from collection Agency ERC that I have a debt with XXXX for the amount of {$890.00} but that they reduced it to {$440.00} I have never had a XXXX account and if there is an account under my name it must be identity fraud. 
Reference number on letter I received XXXX

Company response to consumer: Closed with explanation