BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: Nelnet, Inc.
State: OH
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:
Initially submitted XXXX application to Nelnet on XX/XX/23 to decrease student loan payment. XXXX said I was qualified for the plan. Nelnet has put account into administrative forbearance for last 3 months and has not processed XXXX plan yet. I have uploaded proof of income and paystub to them and they have still not processed the application. Every week I get an email the application is still in process. Interest continues to accrue on the loans while they take more and more time to process the application and it is uncertain whether this interest will be written off. The XXXX application needs to be processed and the payment plan needs to be changed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FAXXXX OR MISLEADING REPRESENTATIONSXXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX, AZ XXXX 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
14. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX Please remove it from my credit report. 
15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
So I have a credit card with XXXX XXXX XXXX XXXX my balance was {$1300.00} I called to say that this was going to be paid in full the middle of XX/XX/XXXX ( i called the begining of XX/XX/XXXX to let them know and they said that would be fine ) and they should have noted my account so I wouldn't get charged a late and have no more charges. I called today XX/XX/18 and they said they couldn't reverse the late fee of {$25.00}, really!!! They got the full amount of {$1300.00} paid in full and they cant reverse a one time late fee??? they are saying that because i had one reversed in XX/XX/XXXX they cant do another one but in this situation the card is paid off and I will be closing account and so they should be able to waive this fee!! Now this wasn't even my fault that it took longer than expected which I had mentioned to person when I called capitol one to get total balance amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
HSBC Bank USA, N.A. 
On XX/XX/XXXX, I opened an account with HSBC in California. I opted for HSBC because my client, based in XXXX XXXX, uses this bank, thereby facilitating a more streamlined process for me to receive payments. On XX/XX/XXXX, I received a payment from my client in the sum of {$15000.00}. 
Subsequent to this, I initiated two wire transactions : 1. {$1000.00} to my credit union. 
2. {$8000.00} to a commercial bank account associated with a design studio for services rendered. 
However, without prior notification or explanation, HSBC canceled the {$8000.00} wire transaction. As of XX/XX/2023, the {$8000.00} has not been credited back to my account, and I was informed it would take another 1-2 business days for the amount to be returned. 
To exacerbate the situation, my entire HSBC account has been frozen, denying me any access to my funds. Despite my efforts to communicate with HSBC to rectify this issue, I've been told my money will remain inaccessible until an undisclosed review process is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-28
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an email to my husbands email on XX/XX/2022 stating that I was a member with Chime and welcomed me to meet my new account. I have never heard of this Bank and have never applied for an account. The email stated that a Chime XXXX XXXX XXXX was being mailed out to me in a few days and I received that card in the mail this week and the card was in my name. I don't know how they got my name and address as well as my husbands email address which is not my personal email address. I reached out to Chime through the online web site and no one has contacted me to delete this fraud account. I have destroyed the card but i did make a copy of the card to make sure I had the correct information to pass on to the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: GA
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:
Equifax refuses to remove unauthorized inquries from my credit report, even after I have provieded them with an ftc report, and copy of my social security card, and utility. I have sent in letters on numerous occasions and all get the same line. We will remove them within 30 days, and then when the 30 days are up they are still not removed. XXXX and XXXX have removed them months ago when provided the necessary information, Equifax is negleting to uphold its duties as a credit reporting agency, and delete the fraud information from my credit report witch violates the fair credit reporting act, delete this fraud info at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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:
THE COMPANY DID NOT RESPOND TO ANY OF MY DISPUTE LETTERS WITHING 30 days According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX/DOFED ( XXXX ) - ( XXXX ) XXXX XXXX/DOFED ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I signed up for services with XXXX under a promotion that offered a {$1500.00} gift card. In the mist of having their service and the past year I have encountered issues with my health on top of a XXXX and the gift card promo was the farthest thing on my mind although much needed. My husband did acknowledge that he can possibly recall us receiving same in the mail at some point but may have misplaced it. My name should have been on the gift card and the services are solely in my name and I have never saw the card nor aware of what their cardholder agreement could possibly be as far as how to use and or what the expiration date would be. 
I was having a casual conversation with a Vivint rep and the gift card came up. Thats when I was advised to contact either XXXX or Bank of America to issue. My husband called XXXX and advised them that he misplaced the card and was advised that the card had expired and could not be re-issued and used as there was now a XXXX balance. I called Bank of America and was told the same. My husband 's name is not on the account and should not be on any cards sent related to our VIvint services. If what he does think came could have been the card, we never used or activated the card so not sure how we could be aware or bound by any terms in the cardholder agreement that XXXX have accompanied the card outlining the specific terms and conditions. XXXX stated that Bank of America keeps the funds after they are expired which makes me question the integrity of both companies and if their ultimate goal is for customers to not receive and activate the card so they can keep funds.

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 2018-10-29
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wells Fargo has refused to accept a payment for my Wells Fargo credit cards account from me because their website indicates that i have exceeded the number of times in a month i can make a payment from a non Wells Fargo depository account. 

Neither the account terms and conditions provided when i opened the account, nor the periodic billing statement, indicates any restriction on the number of times a customer is permitted to make an electronic payment from a non Wells Fargo depository account. 

I find this practice to be deceptive and seems to be a means to compel customers to open Wells Fargo depository accounts. 

I have attached a screen shot of the message that appeared in Wells Fargo online banking that prohibited me from making a payment and a copy of a recent account statement that does not disclose any restrictions on making payments.

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 2023-09-18
Company: CITIBANK, N.A.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My wife and I have called Citibank XXXX times over the past XXXX weeks. I am unable to log in to see any of my accounts including my Citi XXXX XXXX card. This is due in part to me having a checking account in which I never received a debit card for, but used it to wire money nearly a year ago. Because I cant verify my Citi Checking account number or the debit card ( and I have verified all security questions, SS #, etc. ) they are unwilling to unlink my checking account ( which I NEVER use, and has maybe {$200.00} ) from my credit card account due to this, making it impossible for me to see my balance, pay my statement, check on fraud or anything in regards to my personal finances with Citibank and Citi XXXX XXXX card. They also refuse to send me a new debit card that way I could verify this because they cant verify my card ...... Seems completely assinine and inexplicably redundent and frustrating for a consumer, who is just trying to PAY THEIR STATEMENT!

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 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the Bank of America account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both  XXXX  and  XXXX  have refused to remove stating that Bank of America has confirmed that the charges are correct. I have attempted to follow up with Bank of America directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in  XXXX   XXXX . It is my very strong belief that this balance is an attempt by Bank of America to extort money from its customers and that the resulting charge off was an act of retaliation by Bank of America as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in  XXXX   XXXX , Bank of America has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction h istory ) to another acco unt number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX  Bank of America management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a Better Business Bureau complaint in  XXXX   XXXX , which also went unanswered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 reporting agency in violation of 15 USC 1681 ( a ) ( 1 ), Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2017-05-16
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi!     I have a complaint abo ut Navient,  a student loan collection comp any (  scam ). They call at all hours of the day and from multiple phone numbers. They say that I have a student loan from University  XXXX   XXXX  from  XXXX . That is impossible as I started University  XXXX   XXXX  in  XXXX . I am currently paying my   XXXX   student loans through  XXXX   XXXX . When i have spoken to them, they cant tell me ANYTHING, just that I owe {$11000.00} to them. They have reported this to my credit and now my credit is shot. This is unacceptable that a company can send fraudulent info to the credit bureau that I owe them money and when i call them, they can not even tell me anything about where it 's from! I said, " What school is this from? '' She paused and did not have an answer. I said the only school I went to was University  XXXX   XXXX  in  XXXX  and i 'm now graduated. She said, " Oh, then it has to be University  XXXX   XXXX . '' Please help me with this. They need to remove this from my credit. I am paying my TRUE student loans through  XXXX   XXXX .     Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: SYNCHRONY FINANCIAL
State: GA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1861 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-04-27
Company: NAVY FEDERAL CREDIT UNION
State: CT
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  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation