BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$18000.00} Status Open.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Acct # XXXX reporting incorrect information

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 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
15 USC 45 unfair and deceptive trade practices, On XX/XX/ a notice of payment error w/ instructions and remittance coupon was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registered mail XXXX XXXX XXXX XXXX XXXX,. In response to my recent correspondence from XXXX XXXX he had my account closed, defamed, discriminated against me and violated my confidentiality and the nature of our interaction. 

the following codes were violated 18 USC 242- Deprivation of rights See Exhibit A notice of billing error for other violations Exhibit B Registered Mail for Security/Payment : Exhibit C replica of Security/Bill of Credit/Payment/Coupon/Remittance :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Update : Nothing has changed other than having to pay Huge amount of interest. I found my information on the XXXX XXXX XXXX page with all of my records, since the beginning. 
My loans are under the XXXX XXXX XXXX. On page 9 of 13 bottom of the paragraph talks about loans being paid off after 10 years of repayment. The loan service company has violated my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had Great Lakes as my lender for a couple of years. As of recent, upon resuming my loan payments, my loan was acquired by Nelnet. Problems with accessing the website are common. Ive contacted them and they said to reset my account credentials. Uopn further research from my part, Ive found Nelnets user login interface is quite ineffective, with password resets, account lock-ups, poor or lack of customer support access. Ive so far been able to make my scheduled payments, but I am growing more concerned with this company performance. Many students struggle to make payments, and I see this company is preventing student payment process efficiency. Please research this issue as most students are honest people and Nelnet is not fulfilling their responsibility to enable a reliable, secure, efficient method to replay student loans. Seems Nelnet is not capable to effectively support the student loans. Many students may have issues or even find they have credit scores affected by this, which is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I opened a card with AMEX under the Platinum services. The agreement was that me, the customer, was to spend {$5000.00} within the first 3 months and if that is accomplished I would receive XXXX membership rewards points. On XX/XX/XXXX I called AMEX to downgrade my card because I wouldn't be using it for its purposes. In doing so, my rewards were downgraded as well. Thus it was agreed over a phone conversation that I would need to spend {$4000.00} in order to achieve XXXX points. Today, XX/XX/XXXX I have not seen any points updated on my account to reflect what I have already spent. As of today I have spent over {$4200.00}, of which has been paid in full and on time and include {$550.00} in annual fees, and only have XXXX points. I have contacted AMEX on XX/XX/XXXX and XX/XX/XXXX. There has been an escalation with XXXX ' attached for reference. I have also since called and online chatted with customer service representatives who give me different answers as to when my situation will be resolved. Some say within a day and others say 6-8 weeks. My concern is that my time period of 3 months will be up and therefore I won't receive anything at all. I have been a customer with AMEX since XXXX and have always paid my balances in full and on time. I feel slighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I applied for the disaster forebearance plan for the event of the beginning of this year. I was enrolled in the forebearnace program on XXXX of XXXX, my forebearance plan expires on XX/XX/XXXX of XXXX. I recieved a call from the lender XX/XX/XXXX about completing a loss mitigation packet and moving forward and stated that I was on COVID forebearance and I asked to verify and it was a disaster forebearance. I believe that it was coded to COVID forebearance instead of disaster forebearance on the lender 's end. The representative over the phone told me that I may want to complete the process as soon as possible that my escrow was currently negative and I have interest that is currently incurring. I don't know if this is true or not but I do know based on forebearance plan that this is unfair and especially if this was indicated a XXXX XXXX loan based on what the lender explained to me. Next, lender told me that it's a problem for the approval team to put the 7 months in deferral if i don't cover XXXX and XXXX monthly mortgage. However, the odds of it approving higher if I just defer 6 months of mortgage. This makes no sense since I am eligible for 12 months of forebearnace. Attached are the disaster payment deferal I found on the 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 2023-12-06
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
In XX/XX/2023, I applied for the new IDR SAVE plan via my account on Nelnet. I then found out in XXXX that I was placed on the ICR plan instead of the SAVE plan, making my monthly payments unaffordable. On XX/XX/2023 I reached out to Nelnet to find out why I was rejected from the SAVE plan. I was told over the phone that the reason I was not placed on the SAVE repayment plan was because my income was too high. After doing additional research, I found that this is not an appropriate reason to be rejected from this plan. This unfounded rejection from the SAVE plan is causing me to miss out on qualifying payments and I want the months impacted to count towards forgiveness and either charge me the IDR amount or have an administrative forbearance but still count.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Synovus Bank
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First Progress Card is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. First Progress Card does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and over 120 days of inaccurate late payments since this date. It states that the Alleged debt and Account number XXXX belongs to a XXXX XXXX. The amount is {$120.00}. This debt does not belong to me. I contacted them via phone in XX/XX/XXXX but the debt is still being reported. 

They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws. Please delete and block this inaccuracy within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for services to my business account & Chase JPMorgan has held the check for over a week. They have said they are verifying the check with the maker & paying bank. I have spoken to the maker & paying bank myself with a Chase branch manager & the paying bank said funds have cleared. But yet, chases fraud department will not release the funds. And they have since completely locked my business account. Restricting me from using other funds I had in the account. They told me this morning if the check can not be verified they are going to close my account & refund the pending check to a customer I have already assisted in receiving the equipment. XXXX XXXX XXXX, manager of the XXXX, XXXX branch will back all of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: PA
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 act the list of accuracy below has violated my federally protected consumers rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX5 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 an account without written instructions 15 U.S.C 1681c states no consumer agency reporting may make any consumer reporting containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2022 through a promotional offer, I accepted and applied for a VISA card at Wells Fargo Bank XXXX. This application led to an inquiry logged on my XXXX credit file, this resulted in my XXXX XXXX moving down from XXXX XXXX. 
I received an email from Wells Fargo giving me a reference number, XXXX, stating I should receive a card in 7 days or a reason for not granting me credit. 
Received a letter XXXX XXXX weeks later dated XXXX XXXX XXXX Wells Fargo stating that identity can't be verified, with same reference number and an XXXX # to call. 
I called the XXXX number and a XXXX said send a Government ID, and proof of residence to XXXX. This representative from Wells was talking to another person as we were disconnecting and stated that she was telling some old man to send documents and saying he thinks he is going to get a card, laughing as disconnection finished. That same day I faxed my USA Passport, my XXXX utility bill and my XXXX cable bill. The faxed was confirmed received by Wells Fargo XXXX. 

Again I faxed the same XXXX # on XXXX XX/XX/2022 asking about my application and requesting an answer, yes or no. To this day, XXXX XX/XX/2022 I have heard nothing from Wells Fargo, and I believe this is a overt act of discrimination as well as disparate treatment of a senior citizen. 
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 2023-12-06
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, my savings account was changed to a checking account in the XXXX XXXX XXXX of Citibank and it has been impossible to obtain an online view of this checking account. Also, it took five weeks to obtain said checks because I was told that they did not have my " zip code ''. On XX/XX/2023, a visit was made to the XXXX XXXX, Illinois, branch of this bank where I was told that I needed a debit card to obtain an online account to view my checking account. On XX/XX/2023, an ATM card was sent which did not allow me to get anywhere because it was not a debit card. On XX/XX/2023, a debit card arrived and it was impossible to see my checking account online as well. This is very frustrating and causing me great 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: FL
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
So basically I have done a cash deposit To my PayPal account On 3 different days on XX/XX/XXXX, XXXX and XXXX and not one of those cash deposits where credited to my account. I HAVE Provided PayPal the receipts, The written statements from the stores and The barcodes used for each. The 3 receipts I have provided were a total of {$4500.00} and My issue has Yet to still be resolved with my funds being credited to my account. I Contacted Other people besides PayPal and each of them told me to Contact PayPal for further assistance since Everything was confirmed on their side. I can not request a refund from the stores because The receipts and the stores states All sales are final no refunds I am tired of waiting with no resolution and Bills are Due and My money have not yet been credited. AND TO MAKE THINGS WORSE, the issue is on PayPal side because a agent told me I dont have a balance holding account but in order to generate a barcode and complete a cash deposit you would need a balance holding account. ALL I WANT IS TO RECEIVE MY {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As of now, Bank of America refuses to issue my refund of my account as they said that the check I deposited was fraudulent. In fact, I deposited the same check with them back in XXXX and they will not give me any kind of statement as to why they are taking so long on my refund. Each of the customer service people have refused to give me any kind of statement and they keep changing my date on when my account will close. I still keep getting bank statements and it has my funds, but I can't access 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 monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXI Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 2023-07-26
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit score provided by XXXX XXXXXXXX  to Equifax still shows bankruptcy and other inaccurate information as hurting my credit score. XXXX says they only use info on the credit report but the credit report does not show that information.

Company response to consumer: Closed with explanation