BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The XXXX account XXXX was settled and my balance should be XXXX. The information which was reported on my credit report is inaccurate and it violates my consumer rights.

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 2023-09-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my loan off in XXXX.The Company sent me my title and reported my account closed and delinquent. I've spoke to a agent with Wells Fargo.He stated it would be corrected but it hasn't yet.

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 2021-06-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. The late payment was still showing after its status was closed. Also, you failed to provide accurate and correct information. Various dates listed under the date of the last activity, last payment, last report, and date opened.

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 2015-12-08
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our former mortgage holder ( XXXX ) sold our mortgage to Nationstar in XXXX. I paid my last mortgage payment to XXXX in XXXX, and my first mortgage payment to Nationstar in XXXX. Out of the blue, without any previous notification, in XXXX, they are saying I am 3 months behind in my mortgage. I have been going back and forth with customer service since XXXX and it is still not rectified. I have faxed them my bank statements for every month with my payment circled and my previous payment history that was shown to be up to date. I am receiving letters and phone calls about my payment being late, and when I call customer service every day, they say they are still researching it. Today I received a letter that said they have researched and fixed the problem and my XXXX 2015 payment is due. THATS WHAT THEY SAID TO BEGIN WITH ... WHAT DID THEY FIX? My payments are all paid up except my XXXX XXXX payment I have not paid, only because I wanted this straightened out before I do. I 'm sure they have reported this to the credit bureau, and they are completely wrong. Once again, I faxed them every month statement with the payment on there circled and the statement marked.. XXXX payment, XXXX payment, XXXX payment and so forth thru XXXX. I have written to Nationstar customer service complaint, The XXXX, and now you. I have asked to speak to the " research department '' which is supposedly looking into this, and was informed the do n't speak with customers. I have asked for supervisors, and the supervisors supervisors, and still no one is fixing this. I am at a loss what to do next. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am submitting a third complaint against Key Bank. I have had excessive over draft fees taken out of my checking account in the past several months. Though it 's difficult to decipher, It looks like I moved XXXX $ to my son 's Hassle Free Account which is connected to my basic checking and that this bounced my checking account though my account was not overdrawn at all until this showed up in the ledger this morning. I have attached the forms which shows that '' Items pad that overdrew your account '' XXXX I was not overdrawn. The ledger does not reflect at any time that my account was negative. The way that Key Bank manages their accounting is not ethical. There is a note that says that Pending Items are not subject to overdraft fees but they do affect available balance. The available balance on Key Bank Accounts needs to be accurate and up to date. Key Bank is notorious for this kind of unethical accounting. This makes XXXX overdrafts fees of XXXX that I have incurred since XXXX XXXX. That is excessive overdrafting. If the bank and the CFP_ look at my attached documentation, you can see that I use this account, I have direct deposits going into this account. The money flows are consistent. The only reason my account overdrafts is the way that Key Bank debits the account. Their methods for iincurring these fees are especially effective with folks like me whose accounts become very low between pay checks. Oh and there is one more thing that has happened to me. Not only am I being punished for Key Banks Magical Accounting Methods, but now when I want to make a deposit into my account, the tellers have to ask for an override to be able to deposit money into my account. They ask for an override and a manager has to come to the desk and allow them to deposit my money. So I am not only financially punished but I am infantalized and embarrassed in the process. All of these overdrafts and this infantalizing are causing me XXXX as I ca n't afford for this to happen over and over again. I also am taking valuable time out of my day to write these complaints which is affecting my ability to do my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I closed my account because they added an annual fee of {$39.00}. I owed {$11.00} in interest. They will not let me pay the interest only. They want me to pay their annual membership fee in addition to the {$11.00} interest. Then after 90 days they will mail me a refund for the membership fee. I paid my total account balance on XX/XX/2023. This is ridiculous. Let me pay the interest I owe and remove the annual membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please see the attached response from the company and update the late payment on my credit report for account XXXX XXXX XXXX. This should have been updated months ago.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name TRANSUNION, XXXX XXXX  Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my TRANSUNION, XXXX, XXXX credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, 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 2023-03-14
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
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:
Applied for SAVE student loan program 21 with Nelnet via phone as they stated there was an issue with my Studentaid.gov application. I submitted required documentation via the email they provided on XX/XX/XXXX. No response. After several failed attempts to contact Nelnet, I called and spoke to a representative on XX/XX/XXXX and they provided with a different way to submit my documentation. Even though the first email was legitimate and they had no idea why it wasnt received. Still awaiting approval. They put me in forebearance. Because I am switching from my previous IDR plan to SAVE, my outstanding interest is added to the loan I specifically applied in XXXX to avoid a large balance being added to my account. Due to Nelnets inability to process my application, I stand to have thousands added to my total balance. I did my part. I was timely. This is my debt going up and will impact my debt to income ratio due to their lack of accountability. I can not complain to nelnet as they are impossible to reach for that purpose ( calling results in disconnection when stating you are calling to file complaints ) and they respond to all emails with we are too overwhelmed, please call. This is such a mess and I am only losing even though I did exactly what I was supposed to. Thousands added to my loan because they just are too busy. Please do something. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
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:
Hello down believe I will be attaching a file of all the inquiries that I didnt approve of none of these are me and they have all been done fraudulently I have been trying to reach out to get them removed and no information has been provided to be for these to be accurate please remove these in a time manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXX XXXXard services ), ( XXXX bank, ) ( 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 2021-06-24
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had received a notice letter of XX/XX/XXXX from Franklin Collection Service , Inc., Case Number XXXX concerning XXXX XXXX XXXX XXXX XXXX account stating a balance of {$82.00}. 
On XX/XX/XXXX, I had replied and disputed the alleged debt collection letter, because it doesnt exist, I had provided a copy of my proof of evidence that I dont owe any balance and ask had Franklin Collection Service , Inc., to stop this collection tactics. 
On XX/XX/XXXX, I had received another demand letter from Franklin Collection Service , Inc., this time their client XXXX XXXX XXXX  using a different address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. 
Lastly, on XX/XX/XXXX, I had filed a complaint to CFPB on the same matter, same creditor ( XXXX XXXX XXXX ), but different collection agency called XXXX XXXX XXXX, XXXX, they had finally STOP collection tactics after I had filed my CFPB Complaint Number XXXX. 
I have all my proof and evidence that I dont OWE any balance on my XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
property owner was approved for FHA short sale and lender subsequently foreclosed on the property while the approval was still active. After notification the servicer said they would rescind the foreclosure. Several attempts were made to contact them and all were met with misinformation. Yesterday we were notified by another agent that the property is now for sale by the servicer.

Company response to consumer: Closed
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: MO
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:
The Loans XXXX, formerly known as XXXX XXXX XXXX XXXX CFPB sued them Case 3:17-cv-00101-RDM Filed XX/XX/XXXX, for the deceit practices. There are XXXX loans associated with my credit file f these actions taken these loans were not afforded the relief provided. As a servicer of student loans, XXXX XXXX routinely furnishes information about its student loan accounts to consumer reporting agencies. 
They have begun to re-age these loans showing in inaccuracies of XX/XX/XXXX day delinquencies and irreparable harm to my credit file and score. These loans were open dates per credit report of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a of last payment XX/XX/XXXX with a worth pay status unknown but has charge/off and last reported to CRA XX/XX/XXXX XXXX 
The Fair Debt Collection Practices Act prohibits debt XXXXollectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. 190. As described above, on information and belief, XXXX made false, deceptive, and misleading representations to borrowers that all of their collection fees related to the federal loan rehabilitation program would be forgiven by the U.S. Department of Education or that the exact amount of collection fees currently assessed to the account would be forgiven. XXXX. Therefore, XXXX, acting together with or on behalf of XXXX XXXX, violated the Fair Debt Collection Practices Act. 15 U.S.C. 1692e, 1692e ( 10 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Every time that I make large payments to my student loan account, the lender applies the excess to " future interest payment '', thus pre-paying interest rate for future months instead of applying any excess payment to my principal. Even when I make XXXX large payments in consecutive months, the lender applies any excess to " future interest payment ''. They are really hurting me because I make such large payments to quickly payoff my outstanding principal to find out years later of such unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I had sent a notice to these to agencies about 2 months ago and have not received a response nor a solution to my problem. I had requested to be opted out of the reporting of the following informationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my nonpublic financial information to stay private so I am asking that I am opted out of reporting that information pursuant to 16 CFR 313.7 - Form of opt out notice to consumers. I have a right to privacy and I intend to keep 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 non-monetary relief
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I previously disputed some items on my credit file, that were unrecognizable/invalidated and Transunion claims that they verified the items, Transunion is the only credit reporting agency that continues to allow wrongfully items on my credit report, I have yet to receive any documentation proving that these accounts indeed belong to me, by the original creditors or Transunion, yet somehow they claim to have verfied the items. I have done my own research and have documentation.

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 2021-06-24
Company: JPMORGAN CHASE & CO.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a checking account on Chase Bank in XXXX XXXX XXXX  XXXX in XXXX Rhode Island. Aproximatedly one week later I received the ATM card. When I tried to pay with the Debit card it didn't go through and at the ATM machine I got a Restricted funds message. I received a letter from the bank saying that I needed to verify the Social Security Number. On XX/XX/XXXX in the morning I went to Chase Bank and completed the Social Security verification process and was told that I would have access to the money on that afternoon after 3 PM. However, today on the XXXX of XXXX XXXX XXXXays after I still don't have access to the funds deposited. But also yesterday I check my account on the Internet and there is no balance. Also the retirement appears as a Debit Check Charge when I have not have access to my account. I wrote to the Branch Manager and he said the they had to take the money out what I find very irregular to do that without my consent, however he told me they would be available today and they weren't, the account balance is still XXXX dollars as evidence by the photo attached. It has been more than two weeks that i opened the account and deposited all the money I had, I am a student and depend on that money for my needs and I can't still access my mone. This is abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-11-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
REGIONAL ACCEPTANCE-ACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the XXXX  enacted XXXX XXXX XXXX XXXX XXXX, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.

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