BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I setup autopay for my student loan. Then, I see that I am past due and initated a one-time payment. 

Today, I see that NelNet ( student loan servicer ) debited the payment TWICE. 

When I called to get clarification, they said there is a known glitch in the system. They have not alerted any customers of this known glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Specialized Loan Servicing purchased my mortgage loan from the loan originator without first verifying the existing hazard insurance coverage. They asked me to provide proof of continuous insurance coverage more than a year after the fact which I did. I first provided them proof of insurance coverage for XXXX. Then they asked for retroactive proof for XXXX and I provided valid declaration pages and proof of continuous uninterrupted hazard insurance for both years by email, upload and by postal mail. Specialized Loan Servicing phone operators do not provide any identity credentials, the email address they provide are anonymous with un-monitored reply addresses and the upload portal only provides a rejection notice when I upload the insurance declaration pages. The response to mailed in valid declaration pages proving coverage was to deny the proof was valid. They have now reported late payments to all three credit reporting agencies for a single, partial month charge of {$47.00} for insurance coverage for the month of XX/XX/XXXX, because they claim they didn't receive the proof of coverage that I sent in multiple times using multiple methods. My credit has now been downgraded because of the false late payment reports they have filed. Specialized Loan Servicing should not be allowed to purchase existing loans without first verifying insurance coverage and should not be allowed to harass, intimidate, or threaten and impair the credit ratings of their clients for their own lack of due diligence when buying loans.

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 2023-10-24
Company: TD BANK US HOLDING COMPANY
State: IN
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:
Receive first letter from XXXX XXXX XXXXXXXX on XXXX, for a recent credit card application that I did not apply for. They were unable to verify identity base on inquiry made to XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX and spoke to a XXXX. He stated that they would mark as fraudulent and email the credit bureau to report application as fraud. I received another letter on XXXX from XXXX XXXX XXXX. Again someone fraudulently applying for credit under my information. 
I also contacted them and they stated that no information was sent the any credit bureau, and that they declined the request and would mark as fraud. I checked my credit information on XXXX and it showed another inquiry of credit for TD Retail Card. I called XXXX and talked with XXXX who is a fraud specialist and she froze my credit and advised me to file a fraud report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: CT
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  XXXX, XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-10-24
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have 4, virtual {$100.00} American Express prepaid gift cards that are supposedly able to be used anywhere American Express is accepted online and in person ( {$400.00} total ). The cards terms state " Use at U.S. merchants that accept American Express Cards. Funds do not expire for all cards other than expiry cards. '' The American Express website also states that these cards are able to be used via XXXX. 

I have tried using all 4 of the cards online at : the XXXX XXXX, XXXX, XXXX, and XXXX. When my transactions failed at these major retailer stores online, I then tried adding the virtual gift cards to XXXX XXXX to use the cards in person, since the American Express website states that how to use these virtual cards in person. Adding the cards to XXXX XXXX and using them in person also did not work. I have multiple emails from retailers ( XXXX XXXX, XXXX, and XXXX ) saying that my payment has been rejected and they are unable to give a reason why the card was rejected other than " check with your card about the transaction. '' Each time I attempt to use the cards, I make sure the purchase amount is less than {$100.00}. I include the card number, card expiration date, security code, and billing address ( as their website states this information is needed when making a purchase ). No matter how small the purchase, the card gets rejected. I have checked the balance for these cards online and by phone, and it has been verified multiple times all 4 of the cards are active and have balances available. I am also now starting to get XXXX cent charges posted to these cards for all of the supposed " failed transactions. '' When I contact American Express, their customer service is extremely frustrating to deal with. Their customer service line only directs me to a robot, I have spent too much of my time trying to reach an actual person to assist. The only help I am able to get is verification that my cards are active ( not expired ) and have balances available, so they should be working. I have looked online to research if other people are experiencing similar issues. There are tons of posts on XXXX and similar websites with people complaining about the same issue. It seems like these cards are impossible to use anywhere and American Express customer service is of no help. I am not sure how they are getting away with not allowing these cards to be used, especially from major retail stores. I am at a loss of what to do. {$400.00} is a lot of money to just let go of, so I am reaching out for advice or help regarding next steps. 

I am submitting one of the emails I just got this morning about my failed payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
Company: Bread Financial Holdings, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : COMENITYCAPITAL/OVER XXXX Date Opened XXXX. XXXX, XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: DC
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 sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2021-04-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I want to add the content of the last case. All my money is in citibank. However, I paid for my credit card and bills, but citibank did not pay for my bills and credit cards, which caused my XXXX XXXX credit card to be closed for reasons. Payment returned! I deposited {$500.00} in the uphold company to buy XXXX  currency, but the XXXX currency increased from {$0.00} to {$0.00} each day, the currency 's profit was also confiscated, and my investment account was closed! The reason is that the deposit failed ... he suffered heavy losses. Not only did citibank not pay my bills and credit card, but it also charged me overdraft fees. I dont know what to do! Because many transactions in citibank were not paid, my money was in my checking account. I asked to get my cash back, but after the bank said it needed XXXX, I didnt have any right to choose. Facing the current covid-19 period, I dont have a job, but it will take 60 days for me to receive my money. So how should I live my life recently? I dont have any money anymore. I hope your company can help me faster! 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 2023-05-05
Company: Experian Information Solutions Inc.
State: GA
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:
Dear XXXX XXXX, XXXX XXXX Experian, I am writing to request the removal and deletion of hard inquiries from XXXX XXXX XXXXXXXX XXXX credit report. The inquiries that need to be removed are as follows : - An inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am making this request under the following laws : SECTION 604 15 U.S. CODE 1681B Permissible purposes of consumer reports. This law states that consumer reporting agencies may furnish consumer reports only for certain purposes, including credit transactions, employment purposes, and insurance underwriting.

SECTION 605 A 15 U.S. CODE 1681C-1 Disclosure of investigative consumer reports. This law requires consumer reporting agencies to disclose to a consumer if an investigative consumer report was obtained for employment purposes.

SECTION 605 B 15 U.S. CODE 1681C-2 Block of information resulting from identity theft. This law requires consumer reporting agencies to block any information in a consumer report that results from identity theft.I believe that the above-mentioned inquiries do not fall under any of the permissible purposes of consumer reports. Therefore, I request that these inquiries be removed and deleted from my credit report. 

Thank you for your assistance in this matter. 

Sincerely, 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent a letter out to Transunion, XXXX XXXX XXXX XX/XX/2023. However it been more than 30 days and the credit bureaus failed to send my investigations back. This is not making sense. According to the law 15 U.S.code 1681 I Procedure in case of disputed Accuracy of any item information contained in consumer 's flie at a consumer reporting agency and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is Inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) before the end of 30 day period beginning on the date.

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 2021-09-14
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
* PHOENIX FINANCIAL SERVICES LLC, Continues to attempt to collect a debt from the consumer XXXX : XXXX via the mail on XXXXand numerous other times causing severe pain and sufferings and, violating Consumer Federal Law : *15 U.S. Code 1692c, Communication in connection with debt collection *15 U.S. Code 1692j - Furnishing certain deceptive forms , - on three different dates. 
*15 U.S. Code 1692e.False or misleading representations *15 U.S. Code 1692d - XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2019-05-01
Company: Checkr, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a moving violation for misuse of equipment which was tinted window on vehicle on XX/XX/XXXX which is old ticket that shouldn't be on my background that checkr had check which is preventing me from working for XXXX as XXXX XXXX. Even though I was working for XXXX already and all I had to do was updated my new vehicle registration and documents. Now I'm unable to work for XXXX   cause of this background check from checkr. But everything was on my background before XXXX hire me as XXXX XXXX except for the accident on XX/XX/XXXX which was a bad winter storm and I slide on ice into a tree in XXXX, Ohio. I also have an accident on XX/XX/XXXX that wasn't my fault. I was sitting at a red light on XXXX and XXXX in XXXX, Ohio and the other party vehicle came up from behind me and ram right into me. I can get police report from both accident to show i wasn't at fault. I just don't understand how this report from checkr make it seem like you are a bad driver but u not. I was a very good driver for XXXX. My rating for driving for XXXX was 4.77 but i don't understand if they take that in consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Self Financial Inc.
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: Information belongs to someone else

Complaint:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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:
the letter attached specifically states that my XXXX XXXX XXXX accounts number XXXX, has not late payment, XXXX XXXX XXXX has changed this inaccuracy by sending me this letter, but for some reason the credit bureaus have not update and they are not updating this inaccuracy, this is the only negative shows on my credit file, and it is absolutely inaccurate, i will be attaching the letter which i have received from XXXX XXXX XXXX. please help me to have this inaccuracy removed from my all three credit reporting agency 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 non-monetary relief
Consumer complaint received 2023-09-01
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I am currently in the process of buying a home as a co-borrower. I am experiencing issues with my XXXX XXXX credit report. When my credit is pulled by a PenFed, there is an alert that comes up to verify my information. The phone number that comes up, does not belong to me, I was a victim of identity theft as a minor and disclaimers and phone numbers were added to my account by my guardian. I have clarified this with PenFed. The number that was provided to XXXX  does not belong to me. I have also reached out to XXXX XXXX several times who have told me that no such number is associated with my account, and that they will remove all comments and alerts so that PenFed can process the request. PenFed has attempted to process my credit multiple times, and this number continues to show up. I received a letter from PenFed saying that if I dont resolve this issue, my loan will be denied. I have reached out to XXXX XXXX multiple times, and they have assured me that there is no issue on their end, and that this is a PenFed issue. PenFed is telling me there is nothing they can do and I need to take care of it myself. I am stuck in the middle between two companies who are unwilling to help me and it seems that I am going to lose a home in the process because of a computer glitch.

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 monetary relief
Consumer complaint received 2023-01-13
Company: WELLS FARGO & COMPANY
State: WI
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 applied online for a Well Fargo credit card. I read all the fine print on the application and agreed to the hard credit check and proceeded with the application. I was emailed back that I was declined, reference number XXXX. When I contacted the phone number to hear why I was declined it stated, " not enough history from a previous Wells Fargo card ''. I am currently a Wells Fargo card holder and do not use that card for anything other than a balance transfer I did in XXXX XXXX, thus the low history ''. No where was it stated that previous card history would affect my application process or I would not have applied. I have very good credit, nearly XXXX credit score and have never been rejected. I talked with XXXX XXXX, executive office case # XXXX. Originally he offered to erase the hard credit hit as the easies solution on a recorded line. Another call from him after he spoke with underwriters he retracted this and said the company would do nothing for me. This is not right and should be stated somewhere in their policy to customers before they click to run the credit application. At this point I have cut ties with them and already opened another card that doesn't use this deceitful tactic to its customers. I would like at the very least, what was promised originally, the hard hit removed as it was under false representation from the company.

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