BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The promissory note for my FSA is invalid and expired per the following : 1. Student loan promissory notes Borrowers may sign a promissory note when they take out private or federal student loans. Federal student loan borrowers may sign a Master Promissory Note ( MPN ) that can be applied to multiple loans.

By signing the MPN, a student agrees to repay all loans according to the terms and conditions of the MPN. Federal student loan MPNs are currently valid for up to 10 years. 

My FSA consolidation promissory note was signed in XXXX it is now 5 years passed XXXX which was 10 years. It is now XXXX 15 years passed the date of validity. 

2. Except as provided in subsection ( e ), an action to enforce the obligation of a party to pay a note payable at a definite time must be commenced within six years after the due date or dates stated in the note or, if a due date is accelerated, within six years after the accelerated due date.

3. A promissory note is a written promise to pay within a specific time period. This type of document enforces a borrower 's promise to pay back a lender by a specified period of time, and both parties must sign the document. Only one signature is on my promissory note mine! There is no specified time or repayment on the promissory note!

4. A promissory note is valid for 3 years from the date of its execution. Post this period it will become invalid. Also read : Bill of Exchange. I lived in Virginia at the time of the signing of the promissory note XXXX the time limit in Virginia is 6 years. The note was signed in XXXX it is now 15 years past the signature date for the State of Virginia. 

5. The note must be written by hand. My Student Loan Promissory note is not hand written. The note must be stamped by revenue stamps as per the rules of the Indian Stamp Act. Promissory notes are valid for three years only. There is no limit on the amount to be borrowed for a promissory note to be issued.XXXX  XXXX, XXXX XXXX. All Promissory Notes are valid only for a period of 3 years starting from the date of execution, after which they will be invalid. There is no maximum limit in terms of the amount which can be lent or borrowed. The issuer / lender of the funds is normally the one who will hold the Promissory Note. The Department of Education is the loan holder not XXXX or Nelnet. 

The promissory note for my FSA is invalid and has expired per the above. 

Close my FSAL now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Santander Consumer USA 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: Was not notified of investigation status or results

Complaint:
I am a Federally Protected Consumer I sent notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim was disputed and validation is requested On XX/XX/2020, I mailed Santander a certified debt validation letter, cease and desist, creditor/debt collector declaration, and a requested information form. The letter was mailed was delivered and signed for on XX/XX/2020 at XXXX XXXX it has been over 30 days and I have not received any correspondence from them. I am a Federally Protected Consumer Santander account that needs to be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The company is in violation of furnishing my information without my written consent within to require time frame to make me aware also XXXX aware that reports containing solely on transactions between a consumer and a PERSONS are illegal. 

And on the XXXX major reporting agencies I find inaccurate reporting in my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Security Credit Services, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a natural person, I am a living human being, I have rights under law 15 USC 1681. Security Credit Services is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand a removal from this account off of my credit file. According to 15 USC 1681 : I have rights and i did not given Security Credity Services written permission to furnish this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempting to access my credit report security freeze with Experian invariably results in being intercepted with an offer for their Experian XXXX XXXX service immediately after login. There is no method by which to decline the offer and continue on to managing my credit freeze without being extorted into signing up for their XXXX service. This occurs even when signing in with an existing 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 explanation
Consumer complaint received 2023-06-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
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:
ChexSystems, a private for profit entity, has been providing my personal information and data to other for profit entities without my permission or informed 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 2023-11-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XX/XX/XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXXXXXX XXXX XXXX., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-08-25
Company: Experian Information Solutions 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:
i was never late on my XXXX  XXXX XXXX  account I have a letter from XXXX XXXX confirming that I was never late experience reporting inaccurate 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 explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Experian via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/2023 my credit score was XXXX ( reference Experian report XXXX XXXXXXXX ) and as of XX/XX/2023 my credit score dropped to XXXX which is a decrease of almost XXXX points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years.

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice on XXXX ' website that they had posted on their website before the removed it but it references that the law applies to all credit reporting agencies

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 2019-04-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I already have a case pending on two separate payments and now it happened a third time. I am making extra principle reduction payments, in addition to my regular monthly payment with Wells Fargo. The three payments were made at 3 times at 2 different banks with 3 different tellers. Each time, I state to the teller what I am doing, they verify it out loud and hand me back the receipt saying here is your receipt for your principle reduction only. I am sure the tellers are processing them as they were trained. So either they are being trained incorrectly or Wells Fargo has their coding/process set up wrong. These payments are being used as my next monthly payment. I do not want these payments to count as a monthly payment and have interest and escrow and insurance taken out and the due date moved one or two months in the future. But that is what they keep doing. I am paying extra to the principle only to pay this off early and not have to pay all this extra interest. I spoke to a man who worked in the home mortgage department for a very long time and explained it about 5 times to get him to understand. He said he would open a ticket to have this fixed and to call these payments in because the tellers don't know how to do this. I don't believe this. And with all the scams that Wells Fargo has pulled with the public, I am concerned that this may be another one. Intentional or not, it needs to be fixed. If I say I want this applied to my principle, it should go to the principle and me not have to call every month, have tickets opened and contact federal agencies for resolution. I do not understand how they are " still working on it '' for a month. What in the world is going on????

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my account. 

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service. 

Please check my account and, if it's feasible, take the late payments off of my credit record. This gesture, in my opinion, would go a long way toward mitigating the negative effects on my credit history and enabling me to work on improving my financial situation. 

Please let me know if there is any more information or supporting material you need, and I will send it over right away.

Company response to consumer: In progress
Consumer complaint received 2019-04-10
Company: DLC, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This complaint is about : XXXX XXXX XXXX XXXX XXXX C/O DLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX -Whom I received a Predatory Loan of {$2500.00} in 2015, which has been paid 3 times over. However, they continue to Garnish my wages! This is the second round of my wages being Garnished after the loan was paid. I tried communicating and have gone to court with XXXX XXXX XXXX and they continue to Garnish  my wages. 

The problem is when I return to workforce my wages will continue to be Garnished and I am the sole provider for my family of XXXX. I can not provide for my family due to the Predatory Lending Practices. 

The complaint is truly about the violation of TELA and RESPA Laws that were violated at the time of receiving the loan. According to the Law : because the instalment payments totaled over four payments it falls under the TELA and RESPA guidelines. I was not told about this law nor was I told about the true cost of this loan. However, I am not an Attorney nor do I make the claim. 

But what I am is a person, a father, a dad who made a bad decision along time ago who's family has paid dearly for my mistake ever since. I feel I was taken advantage of because of my bad finical situation at the time of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Lending Club Corp
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I do need to start this with during the pandemic and even before, when I have needed assistance, they have been awesome. Things have taken a few times to get right, or their system will randomly kick out arrangements or send emails for the wrong dates, but eventually it has worked out. 

Whenever I have called to make payment arrangements or any form of interaction with LendingClub, they have told me that I can always use my 15 day grace period if I need to submit a payment after the due date without penalty. 

As far as I know, I have never skipped a payment or been past due with them. 

My payments are due on the XXXX of each month, which would mean I have until the XXXX for my grace period. 

This month, I needed to use my grace period. In the last 7 business days they have called my personal phone 38 times as of XXXX ( XX/XX/XXXX ) this morning. They have, however, only sent me one payment reminder via email on XX/XX/XXXX. 

On my loan agreement under Late Fee. it states if any part of Borrower 's payment, other than payments owed for any fee ( s ) assessed on a prior monthly payment, is more than 15 days late, a late fee may be charged in an amount ... .. There is no exact language about the grace period, but all of the customer service reps tell customers about it when they call in. 

On LendingClub 's website under their help ( https : //help.lendingclub.com/hc/en-us/articles/214519627-Making-loan-payments ) it does state Late Fees if any, for payments received after the 15-day grace period. We give all borrowers a 15-day grace period to make payments with no penalty. 

That makes no mention about getting harassed every business day until you make the payment though.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX 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 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 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