BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Nelnet, Inc.
State: IL
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:
I applied for the SAVE repayment plan through the FSA website on XX/XX/XXXX. I was told by the FSA that I qualified for a reduced payment. Nelnet confirmed they received the application on XX/XX/XXXX. Since then, I have received no updates despite Nelnet promising to send email updates every 10 days. As of today, XX/XX/XXXX, my application has not been processed and I now have a payment due date under the standard repayment plan. 

Attempts to reach Nelnet via phone have been unsuccessful. Nelnet is directing people away from email and to their phone lines. 

Advice from other people online indicates I need to upload proof of income to Nelnet separately despite linking to my XXXX  federal tax return in my application on the FSA website. However, Nelnet 's website is not allowing document uploads ( the function is broken ), so I can not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Activehours
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Since XX/XX/2020 i've tried to re-connect the app to my bank. The app has worked fine before. I am approved by them and in good standing. They say it's a technical issue. My problem is they have me on their Payday Advanced schedule. I've paid my previous balance and now I am short till next payday unless I can use the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2020 I received a notification that I had a new collection on me. I have not been to the hospital while uninsured in more than 5 years. I have not been to any type of emergency room or a hospital in over 2 years. This is not me. I demand to receive proof of this supposed debt. Legal actions will be taken if this is not removed from my credit. I have been working very hard cleaning up my credit and this is unacceptable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.

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 2020-05-06
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted at my job on XX/XX/2020 ... .he XXXX XXXX XXXX ) left a msg with someone to call back. I didn't get the msg so the collector called again. I advised him that I was at work and to not call me at work, I advised him to call my personal cell phone. He apologized and said that he wouldn't call my work again. The next day XX/XX/2020 he calls my work again. Same thing, I tell him that i can not talk at work and to stop calling my job, he apologizes again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Collection Management Holdings, LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My medical bills were to be paid by Medicare insurance, which did not pay due to billing errors. XXXX XXXX XXXX XXXX XXXX ( XXXX ) accepted my Medicare Advantage insurance for services provided on XXXX XX/XX/XXXX. The bill was partially paid by my insurance, but the provider never submitted a corrected claim for the rest of their and the physician 's bill. I have never received a bill from either XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the physician 's bill. I contacted their billing offices repeatedly in XXXX and XX/XX/XXXX and was told they had lost my file, then they were changing billing companies, then I should stop calling them and they would submit corrected bills, and finally, I was told if I never received a bill, " so be it. '' Nothing was heard for 6 years when XXXX XXXX XXXX ( XXXX ), a collection agency, surfaced in XX/XX/XXXX and said I owed XXXX XXXX XXXX ( who I have never dealt with ), {$660.00}. I was also told the doctor was not obligated to accept my Medicare insurance- which is obviously not true since the facility accepted my insurance cards at the time. I sent XXXX documentation and they said, first, to have a nice summer, and a week later told me if I did not pay, they would report the unpaid bill to the credit bureaus. Nothing was heard for six months and then Credit Management Company, a new collection agency that has never billed me, reported an open account to XXXX. The alleged debt was for XXXX XXXXXXXX XXXX  - again a company I have never dealt with. I have researched XXXX and XXXX and learned they are both bankrupt and there are many similar instances of improper billing filed with the XXXX XXXX XXXX XXXX XXXX  ) in XXXX Texas. I tried to find out any information about XXXX XXXXXXXX XXXX  and was told they are a recruiting company that would not have ever billed me for professional services. They have not returned my telephone calls. The collection agency that has taken action to report an unpaid debt is Credit Management Company, XXXX XXXX XXXX, XXXX, PA XXXX. They have not responded to my query. I have filed a complaint against them through the XXXX of XXXX Pennsylvania. I also filed a complaint against the bankrupt XXXX and XXXX with the XXXX of XXXX XXXX Texas and the Texas Department of Insurance. Complaints have also been filed with the No Surprise Help Desk at the Centers for Medicare & Medicaid Services and the New Mexico XXXX XXXX XXXX XXXX Department NM Senior Medicare Patrol . The provider XXXX said they accepted my Medicare card for payment, billed the insurance provider, then failed to correct errors. Had they corrected the bills, the amount claimed would have been paid in full and I would owe nothing. There is no reason I owe this money for a failure to correctly bill by the medical provider and physician within the prescribed time to submit bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This loan was not discharged in my bankruptcy, I want that removed from my records

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 2020-03-20
Company: WELLS FARGO & COMPANY
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:
Wells Fargo has stated that I owe {$3100.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. Wells Fargo has not attempted to help me resolve this issue.

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 2020-03-20
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am writing with grave concern that we are not being helped by our mortgage company. We were transferred to them XX/XX/2019 from XXXX XXXX  XXXX when they went out of business. We had gotten a letter stating that during the process of being transferred over we wouldnt have to pay right away, they gave us a 90 day grace period. We missed one payment, and we paid double the amount of our mortgage in XXXX of {$3500.00}. Since that time the company has put us in default, I had to start a loss mitigation and when we were almost to the finish line with a better house payment, they denied us with no answer. When I call I get transferred to a heating company, when they call and I tell them this they dont have any answers. When I call about why my payments are being placed with the month they are being paid on they tell me that we are MONTHS behind. We have never been behind like they are saying with any house payment in the past. They have made it completely impossible to catch up, refinance and not live in fear of losing our home. We send the documents they ask for just to send them three to four if not five times more. Nothing we do seems to be leading us in the right direction. We are two military Veterans that work hard every day with the injuries we have and are being taking advantage of. I need to get out from under this mortgage company and I need to keep my home. I have all the statements, all the statements from a year ago til today. I dont know where this all went wrong and can not get any answers from the mortgage company. Please can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Multiple Wells Fargo XXXX cardholders I personally know have been attacked with fraud. Wells Fargo is failing to acknowledge that it is a widespread issue and has no guarantees as to future security.

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 2022-10-06
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: Personal information incorrect

Complaint:
I have previously contacted Transunion regarding the inaccurate, offending information included in the personal information section of my credit report. This information is damaging to my credit profile and negatively impacts my ability to verify my identity. Per my FCRA rights, I am asking that Transunion adhere to the law and remove this information from my credit report 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 non-monetary relief
Consumer complaint received 2020-03-19
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I am writing to file a claim against Citi Bank Credit Cards. I have an XXXX XXXX AAdvantage credit card with Citi Bank. In XXXX of 2019 they reported my account was late on payments. However, I have never missed a payment on this card or any other of my credit cards. I always pay on-time. When I realized the payment was showing late on my credit report, I called in XXXX to see if they could remove the late payment. They said that there was nothing they can do once it's already reported. I called back yesterday and they also repeated the same thing, that once it is reported there is nothing they can do. 

I have 10 credit cards and NONE of my credit cards have EVER been paid late. All of my other credit cards were paid on time in XXXX of 2019 and this one mysteriously wasn't. I am in the process of home-buying and this late payment is seriously impacting my credit score. I would love assistance in trying to get Citi Bank to remove the late payment from my account. 

Thank you kindly!

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 2018-03-23
Company: MOHELA
State: CO
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:
1. Mohela is not following the agreement I signed upon gaining my student loans since inception ... The INTEREST ACCRUAL since Mohela took over the loan is incorrect. It was only supposed to accrue interest until it hit the 10 % mark as per my signed agreement, ( which occurred right before Mohela took over from XXXX ) The interest capitalized on my account is now is WAY over. It should have never gone over XXXX and is now {$210000.00}. 

2. MOHELA appears to have been improperly tracking and applying your student loan payments- the corrections made have not corrected the balance. As an example, I was charged an extra charge in 2012 for a leap year day that did not exist since they compound interest daily and charged me 366 days at the 365 day rate. I overpaid by roughly {$20.00}, which is then continuously compounded through the life of the loan. More importantly, this continues to show that they are not tracking the loan. 

3. I would like to know the status of my forgiveness date and how many eligible payments I have made to qualify me for the XXXX program as well as full paperwork on the exact terms of this forgiveness program. 

4. Is there anyway I can move to working with another program as I do not trust Mohela nor do I believe they are doing a correct/efficient job for the Government nor myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting multiple fraudulent accounts without right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acts of creating credit is not authorized by the constitution and laws of the United States, is unconstitutional and void, and is not a lawful consideration in the eyes of law to support anything or upon which any lawful rights can be built. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting these accounts to my Credit file with the intent to swindle me into paying a note that is void is a violation 18 U.S.C 894 for attempting to coerce me to pay an alleged debt not owed is extortion and blackmail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not give me lawful consideration only XXXX can create something of value from nothing. I now demand said persons to cease and desist from all communication including 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 non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NJ
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:
These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: FIRST HORIZON BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a First Horizon ( formerly XXXX XXXX  ) banking customer ( as XXXX XXXX ) in XXXX, TN since XXXX. I have remarried and moved out of state the last two years. This was no longer my primary account and I rarely examined it and trusted ( after XXXX years ) this bank. I discovered on a few occasions unauthorized transactions from XX/XX/XXXX - XX/XX/XXXX that totaled {$59000.00}. Primarily, from XXXX XXXX XXXX and XXXX  XXXX ( I never had accounts with either ) and XXXX  XXXX and XXXX  XXXX XXXX ( which I do have accounts- but the withdrawals/transactions were duplicates and excessive and not ones I made and not to my accounts ( I have proof of that ). First Horizon states I did not report this in time and/or in the right way although I made them aware on several occasions yet they continued to allow these unauthorized transactions. Since reporting in XXXX XXXX  XXXX, they said they couldn't help me, yet after many complaints, ~ {$25000.00} has been returned - recently - which proves that they have discovered these were not my transactions. I need First Horizon, which should have guaranteed my account, to make me whole and refund the remaining fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Truist Bank of XXXX NC has destroyed my Personal Identity on the Current XXXX Credit File in the Claimant that is Initiating this Criminal Investigation into Fraud on XXXX XXXX XXXX with Impunity with XXXX XXXX of XXXXTruist Fraud Resolution Specialist and North Carolina Commissioner of Banks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FBI XXXX XXXX XXXXXXXX Credit File Fraud Specialist XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Investigate with Impunity 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 2023-02-19
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:
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 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 2020-03-19
Company: CURO Intermediate Holdings
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was covered under bankruptcy. I hadn't had any problem with being contacted regarding this debt until the bankruptcy was lifted from my credit report the later part of XXXX I believe. Beginning XX/XX/XXXX is when XXXX XXXX XXXX  began to appear on my credit reports, XXXX, XXXX, XXXX XXXX. By XXXX, I began getting calls then mailings. I disputed the item through the credit bureau at least 2 times now. The first time online, the second time I spoke to someone directly. I explained this debt was a part of my bankruptcy. Also I am a victim of identity theft and I am still having issues with accounts saying I still owe. I still have to get a auto loan that was paid off via my insurance carrier at the time due to an accident but the loan company submitted more money as a write off versus what was actually paid. That's another issue. I've have tax fraud, credit fraud, even bank fraud. I have been signed up with XXXX XXXX and XXXX, and I keep my credit report locked. I had received something a year or so ago regarding a class action suit against speedy cash and other payday loans. I don't know if this issue is a result of that or mis-communication. If able I will attach documents related to my complaint. What ever I can get. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation