BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
This is regarding CFPB # 's XXXX and XXXX. I am attaching the first XXXX pages of the approved loan adjustment agreement ( Loan Modification Papers ) that I received from XXXX on Thursday XX/XX/XXXX. I had just wrote to you last Saturday, XX/XX/XXXX regarding another issue with Bayview loan not crediting my account where they have admitted fault on wrongfully foreclosing and adding a plethora of charges and fees to my loan regarding the wrongful foreclosure These have yet to be corrected and I have now asked 3 times to no avail. I received a call from a XXXX in the Customer Advocacy Team Department saying they were in receipt of the CFPB letter and assured me that 1 ) I would be receiving an answer on my loan modification, 2 ) the current foreclosure ( XXXX XXXX ) auction date of XX/XX/XXXX is ON HOLD, and 3 ) that I would receive a letter explaining the credit ( s ) to my account where Bayview 's errors from the wrongful foreclosure and any other fees/charges were put on my account and also regarding my NOE letter from XX/XX/XXXX. On Thursday XX/XX/XXXX, I received the loan modification papers from XXXX. I was approved. However, I was n't happy because NO credit of ANY TYPE is included to adjust the amount owed to Bayview. I called XXXX to let him know this. XXXX told me XXXX was unavailable and XXXX said XXXX only was letting me know that my letter from CFPB was received and if I had any other issues. I told her I need to talk to him regarding our conversation she said I have to talk to XXXX XXXX. I called XXXX to let him know the credits are not included on the loan modification papers. XXXX tells me I will have to write a letter to the Bankruptcy department but send to his attention regarding my credits not showing. I asked why do I have to write ANOTHER letter when I have been waiting since XX/XX/XXXX for these credits to appear and for Bayview to rectify this entire mess. I said I have written 3 letters regarding my credits as it is. I asked if I could please talk to the bankruptcy department. XXXX said he can not put me through to that department but that we have time and sarcastically ( as he usually is! ) said you said that XXXX said the foreclosure is on hold, did n't you? Why do n't you have XXXX call me ( this is the realtor that I was trying to see about selling my home that said he would help me with my loan modification to make sure it goes smooth, he would have to charge me XXXX and took a check for XXXX from me - all he has done is had me sign a paper stating I am allowing him to talk to XXXX XXXX and has called XXXX about three times - NOT HAPPY WITH " XXXX XXXX XXXX ''. continued on # XXXX of this form on " My Information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-26
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to reach Nelnet for months. I am enrolled full time at XXXX XXXX, so my loans should be on hold. I have tried calling where they hang up as soon as I get through the hold, which has not taken less than an hour at this point. I have tried using their chat, which disconnects as soon as someone " becomes available '' to help. I have tried emailing their customer service and written request email inboxes, which no one has responded to. 

Finally, I received my FIRST notice from Nelnet yesterday ( XX/XX/23 ) that I had a bill due and it was being auto-payed because I had previously set up that feature with Great Lakes XXXX I had logged into my online account not long ago and it showed a {$0.00} balance due for this month before the XXXX. However, this is a major problem. My informed delivery through USPS can prove that the notice was not received until AFTER the due date where they had already taken the money out despite the fact that I should be in deferment for being in school full time. 

All of this follows my attempt to receive expanded public service loan forgiveness which Great Lakes failed to process. Nelnet reps last year said they were looking into it, but never actually did, and told me I was ineligible for PSLF because I had already received it, even though I had specified multiple times it was in regards to the EXPANDED one-time forgiveness I attempted to apply for when it was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card on XX/XX/XXXX and am going to be charged XXXX dollars for a yearly fee. My question is why are they charging me up front and I will be charged again next XXXX. It's as if I'm getting charged twice for the first year. I didn't create an account or get my card until XX/XX/XXXX. I think they are doubling charging the fees for new customers and I'm probably not the first. Am I correct or wrong I'm just wondering. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I have multiple errors on my credit report with multiple inquiries that I did not approve under my consent and multiple credit reporting 's that are falsely reported on my credit which is negatively impacting my life. 

Below are the errors : Under The Fair Credit Reporting Act ( FCRA ) I have specific rights to report these companies and request that they be removed. 

XXXX XXXX XXXX - amount : {$940.00} ( This account I have XXXX knowledge of and requesting of it's removal. ) XXXX XXXX ( XXXX  XXXX XXXX  ) - amount : {$630.00} ( This account was opened falsely under my name ) XXXX XXXX XXXX - amount : {$300.00} ( This account was opened and used falsely under my name ) XXXX XXXX XXXX ( XXXX  XXXX  ) - amount : $ {$210.00} ( This account was opened and used falsely under my name ) XXXXXXXX XXXX XXXX ( XXXX ) - Amount : {$180.00} ( This account was opened and used falsely under my name ) The only account that is correct is XXXX : However my payments have been made on time and should not be listed as a collection/ late payment whatsoever so I will be disputing this error as well. 
XXXX XXXX - Amount : {$190.00} Each and all of these accounts were listed under my name and previous address XXXX XXXX XXXX ct XXXX FL XXXX Which I have not lived there for 7 years now. Which should blatantly tell you this is fraud. My address has been XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX since XXXX. I have my original lease agreement to prove this. I do not know what else to do?? My name and address information have been breached from multiple companies, ( i.e. XXXX as the main XXXX in XXXX and ever since then I have had multiple issues with credit being used in my name )

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is 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 personal information. 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 2017-02-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BBVA COMPASS BANK Online Banking App states if deposited before XXXX XXXX, that day is considered a " business day '' ... .4 business day hold ... i deposited my check at XXXX XXXX thru said banking app ... .CR states the deposit happened at XXXX XXXX ... .NOT CORRECT So Compass Bank says Friday is not considered a business day. 
Compass bank is holding my funds until Thursday XXXX. which is longer than 4 days. 
CR states that i was made aware of " terms may change '' when i opened the account. I was NOT made aware of said " caveat '' bc i 've had this account for years and the banking app only became available recently. 
Compass Bank CRs ca n't or wo n't tell me where my check is in this holding process and wo n't explain the holding process either. CR states Federal Regulations are at fault but i agreed to no such scenario. CR states there is nothing that can be done and will NOT give me a phone contact # to call the Compass Bank corporate office. ( which again is unethical as this institution holds my $ $ and will not give me the appropriate contact info i desire ) Online Banking App is misleading and Compass Bank practices are unethical to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NC
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:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act DPT ED/XXXX XXXX Balance Owed : {$1400.00} DPT EDXXXX XXXX Balance Owed : {$920.00} DPT ED/XXXX  XXXX Balance Owed : {$9200.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} DPT ED/XXXX  XXXXXXXXBalance Owed : {$4300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: Nelnet, Inc.
State: VA
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:
My son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
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 deleted 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

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 2023-04-29
Company: Credit Consulting Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my credit report i was made aware of a collection that was not opened by myself or any person authorized as myself. This account has no valid or any truth to the matter of its orgin. It should be me researched and delted immediately as this is causing too much stress and anger for being mistreated by XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited XXXX money orders on XX/XX/XXXX and XXXX money orders on XX/XX/XXXX. I was not notified of a hold on the first deposit until after I already deposited the money orders on XX/XX/XXXX. Apparently, Bank of America believes that one of the money orders from the XX/XX/XXXX deposit is uncollectible and as such has placed an extended hold on that money order, plus all XXXX money orders in the XX/XX/XXXX deposit for no apparent reason. I have attached all of the receipts that should be relevant to this issue. The bank branch has reviewed the physical copies of most of the items and has informed me that they are still unable to release the hold. The hold times are in clear violation of Regulation CC. The hold on the one money order from the XX/XX/XXXX deposit has been released as the hold was apparently set to expire at XXXX on XX/XX/XXXX. The bank has no reason to believe that any of the money orders deposited in the XX/XX/XXXX deposit are uncollectible. They are simply using the second deposit hold to extend the first deposit hold longer than what may be legally allowable if the first deposit was subject to an exception hold. Not only is this a clear violation of the Regulation, it effectively allows the bank to hold funds indefinitely as long as deposits to an account are being made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: AVANTE
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, my credit score went down by XXXX points. My research found that two different companies were reporting brand-new collection/charge-off accounts to the bureaus around the dates of XX/XX/XXXX, to XX/XX/XXXX. The companies are XXXX XXXX XXXX and AVANTE USA. They both claim the debt originates from the same medical entity but all other information from there does not match. XXXX XXXX XXXX reported a debt of {$980.00}, with an opening date of XX/XX/XXXX. AVANTE USA reported a debt of {$860.00}, with an opening date of XX/XX/XXXX. When I attempted to verify this information directly through the medical entity, they were unable to match my information to anything in their system. 

On XX/XX/XXXX, I was granted financial assistance for my medical bills. Any medical debt that I owed was settled or was incorporated into a payment plan, to which I have been paying per my schedule. This in and of itself proves the debt from AVANTE USA is false, as they are alleging the account became delinquent after I was granted assistance. 

I have not received any form of written communication from AVANTE USA or XXXX XXXX XXXX informing me of this alleged debt and the details. Likewise, I was not given any notification that anything was going to be reported to my credit as collections or charge off. I can not help but feel that being granted financial assistance is being used as a leverage point against me. This is causing me extreme stress and upset as my credit score has gone down so severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Genesis FS Card Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX  disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: WELLS FARGO & COMPANY
State: WA
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:
cfpb Consumer Financial Protection Bureau XX/XX/XXXX re :  WELLSFARGODEALERSVCS # XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX Date Updated : XX/XX/XXXX Payment Received : $ XXXXLast Payment Made : XX/XX/XXXX >Account 60 Days Past Due Date< Dispute : The Wellsfargo dealer indicates that i was delinquent 60 days. On XX/XX/XXXX the vehicle was used for a trade and was paid off bu the XXXX XXXX XXXX  ( noted below ) Either the credit union did not give payment to wellsfargo or Wellsfargo did not report payoff in timely fashion. Please review this and remove from my report. 

Thank you, Respectfully, XXXX XXXX XXXX XXXX  XXXX   XXXX # XXXX****XX/XX/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 2023-06-25
Company: T.S. Holdings
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account info Account name IQ DATA INTERNATIONA Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5200.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$4300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Company is fraudulently reporting on my credit. I never signed signed any documents stating I give consent to this 1 month payment. The amount is not authorized.

Company response to consumer: Closed with non-monetary relief