BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had private student loans with XXXX XXXX that were sold and transferred to Firstmark ( a Division of Nelnet around XXXX of XXXX. I am currently in XXXX XXXX, and some of my private student loans from my XXXX college loans had run out of standard forbearance time while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data from XXXX XXXX XXXX. I was last approved for this in late XXXX XX/XX/XXXX with XXXX  data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX XXXX message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website XXXX XXXX XXXX XXXX XXXX as well. My loans have been NOT been consolidated, refinanced, or otherwise modified with Firstmark, so XXXXXXXX XXXX terms should still be in place. By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left I know this, its why I had a hardship forbearance to begin with. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, and that they should have all of this on file, I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They refuse to look into the original terms of my loan and keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue ( or even contact me! ) and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This all started when I lost my income due a hardship. I heard about hope for homes and so I tired to apply via XXXX XXXX in XXXX Arizona, I uploaded all the the documents they ask you to submit then there is a application for you to get help from XXXX XXXX. This was XX/XX/XXXX on XX/XX/XXXX they tried to contact Usbank to get my mortgage information but of course the bank would not respond to their requests. So, I call Usbank the next morning to let them know that i was seeking payment assist via XXXX XXXX and I want them to cooperate with them. Usbank has a history of doing customers dirty at least me. I had to file a forbearance with them late XX/XX/XXXX till XXXX of XXXX I was XXXX  in an XXXX  and was out of work for a very long time with zero income coming in. First, I had to apply and prove that I had a hardship because I did not have Covid. They actually ran my credit for the application but did not run the credit of people who claimed to have Covid-19. To make a long story short, I wasn't all the way XXXX  when I attempted to go back to work so I could catch up on my bills. In the mean time I was sending USbank partial payments which they did not apply to my loan. I finally caught up had to pay XXXX dollars and soon as I didn't owe anymore USbank reported my account to the credit bureaus as delinquent. I was XXXX and very angry so I closed all my other accounts with them. XXXX ended up closing my case because US banks failure to respond even though I filled an authorization form out. Now, I have applied for the HAF program via XXXX housing and they are now waiting for a response for access to my account they sent over XX/XX/XXXX so they can start sending the payments. Meanwhile, USbank is sending me lots of threatening letters in the mail so I called them up today XX/XX/XXXX at XXXX XXXX and recorded the phone conversation of me asking is they got the request from housing. The lady said, yes we have it we are working on it ; I told her that I want you to accept the payments that housing is trying to send on my behalf that was the end of the conversation.

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 2019-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Customer paid XXXX by Credit Card to my company, on XX/XX/2019 in three different transactions. One for {$9200.00} the second for {$9700.00} and the third for {$9400.00} for the purchase of mirrors and shipment/insurance by XXXX XXXX, ( shipping comany ) to Alaska. Bank of America who my company uses for Merchant services  considered this fraud and asked for customers address and phone number. Both provided both to Bank of America. Bank of America then asked for customers ID, which my company also provided to Bank of America. 

Bank of America then called my company and spoke with owner and informed him they are putting Merchant Services on Hold for 60 days so they can do more research on the transaction. 

Numerous calls were made to Bank of America Merchant Service Fraud Dept by Office Manager with no answer and no response. Message left by Office Manager asking if we can refund customer. No return calls made. 

On XX/XX/2019 Office Manager for attempted to refund customer on XXXX  and refund was denied. On same day, XX/XX/2019 at XXXX XXXX, Office Manager placed a call to Bank of America Merchant Service Fraud Department, XXXX XXXX at XXXX, he did not answer so she left message for him to return call RE : XXXX transaction. Office Manager also called XXXX, bank representative that helped set up Merchant account. Neither XXXX nor XXXX returned call on XX/XX/2019. 

On XX/XX/2019, XXXX called company and spoke with Office Manager and informed her that Company account has been closed so the {$28000.00} has been placed in a Reserve Account for 90 days beginning XX/XX/2019. Office Manager asked XXXX if we can refund customer so he can pay with another form of payment and XXXX said she can NOT. Customer has paid my company {$28000.00} which has been charged to his Credit Card however my company has not received funding because Bank of America has funds in a Reserve Account until XX/XX/2019 therefore my company can not complete job that customer has already paid in Full due to no funding to complete job. Customer asking when shipment will be placed, has already been a moth. My company is in danger of being sued by this customer if we can not complete job that has already been paid for.

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 2019-10-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX & XXXX 2019 XXXX XXXX XXXX XXXX XXXX overcharged my credit card. The total amount originally was {$93.00} I immediately contacted them and instead of correcting the mistake that they made they debated it with me for a week and would not budge they took money from my credit card and then gave me a credit for the balance {$17.00} with an expiration date and without asking me my preference and or permission, XXXX automatically applied the credit to my XXXX account instead of sending the credit back where they took it from in the first place, which was my credit card. 
I then called my credit card companies Disputes Department to dispute the transaction and they instead of protecting me sided with the merchant. 

I am a Furious!! please see the attached a screenshots to give proof as to my claim. 

Spoke to : Supervisors @ PayPal Business debit Mastsercharge Resolutions Dept. 
( XXXX XXXX ) & XXXX XXXX XXXX ) XXXX Called XXXX, PayPal XXXX XXXX XXXX got no help resolving my {$17.00} adjustment. 
XXXX XXXX You don't get to take money from people and then not give it back the way you took it that is fraud and outright fever and unacceptable I want my money back on my credit card plus something for my trouble sis been a complete nightmare counterproductive and I don't appreciate this egregious mistreatment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions 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:
I reported a account name " XXXX XXXX Account XXXX '' as listed on Experian website and my credit report. I have no recollection of what this account is. When I submitted a dispute to Experian to look into this, they reported results as being accurate. What is accurate? What is this account? Is there a signature I provided for this account? If so, that signature or contract needs to be sent to me to verify. I received ZERO proof that this account is mine or what it even is. The Fair Credit Reporting Act states that if an account can not be proven as accurate, it must be deleted. I am asking for deletion of this account from my credit report since I have been provided ZERO proof that this account is mine. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am having a new truist personal checking account. For the last 10 days I am trying to get online access for it. 
When doing it online- it ask the most weird and complex questions - what was the license plate of your car which you owned more than 2 decades back. Seriously - I don't own that car any more and i don't remember that. 
upon chatting - chat is shamefully asking me to call their toll free #. 
Calling toll free # - i called on XX/XX/2023, first time the rude customer service person disconnected. Next time - person couldn't help. Asked to be transferred to supervisor. But call is getting disconnected while i am waiting to be connected to the supervisor.

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 2019-07-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CAINE & WEINER COMPANY, INC.
State: LA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX Balance Owed : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2022-06-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX To : The Office of Registered Agent for Convergent Outsourcing From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : 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 2021-11-08
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect information were found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: SYNCHRONY FINANCIAL
State: GA
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:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Bureaus. Lets correct this immediately. This Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints.

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 2021-09-01
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They don't even have proof that the debt is mine. I have not received any piece of information such as a contract with my signature etc. Even when i asked for validation they did not provide any at all. Since they haven't done so within the 5 days required by law i demand this be removed from all of my consumer reports. They are violating many of my right so if not action is taken I will be seeking monetary remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed these debts with XXXX, XXXX and XXXX XXXX times without success in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following collection : Southern Management {$2300.00}, Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation