BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loans are serviced by Nelnet. When I started XXXX  school, my new XXXX  loans were automatically placed in deferment. I submitted a request through the Nelnet website to also place my XXXX loans in deferment, but Nelnet has not responded nor have they updated my loan status. They do not answer calls or emails. I am still being charged interest and expected to make payments each month. My first request was in XX/XX/2023, nearly two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
An account was opened on XX/XX/2023 with XXXX XXXX XXXX using my identification when I was hospitalized. This is fraudulent and was done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately for the other bureaus has already corrected this account on their end. 


XXXX XXXX XXXX XXXX Late DateXX/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 2018-03-11
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-10-14
Company: Nelnet, Inc.
State: WI
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:
I applied for the SAVE program and nelnet received my application on XX/XX/XXXX and they have not processed it or provided updates. My payment was due XX/XX/XXXX for around XXXX dollars a month and my SAVE payment was projected around XXXX. I emailed and called several times to discuss my application or what i should do but would sit on hold for over 90 minutes and give up. My calls would also get disconnected after waiting a significantly long time. Given that i have to work to pay these loans back, i simply can't afford to sit on the phone for 8 hours a day hoping my call won't get disconnected or that i actually speak with someone. 

I believe this delay is intentional to force my default so that my previous years of payments go back to XXXX, knowing full well i can not pay XXXX a month so they ignore or delay my application and i suspect this is the case with many other borrowers. A month to review my application is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have NEVER been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2023-10-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I redeemed my points to purchase gift cards with American ExpressXXXX prior to closing my AMEX account. I was told that I would get the digital cards via email within 24 hours, but I didn't get any email concerning that. I tried to use AMEX website to get to the " digital wallet '' but it says " This account is ineligible for gift card redemption. '' I spoke to their customer service numerous time and all they say is use the link http : //www.ecerts.americanexpress.com to access the cards, but it takes me to the same error message above " This account is ineligible for gift card redemption. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2019-12-01
Company: U.S. Auto Sales Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: JPMORGAN CHASE & CO.
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:
Chase replied back on Complaint # XXXX and stated " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 
Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. '' Attached is Chase 's reply on complaint # XXXX. Complaint # XXXX is not the same issue as stated " Per Consumer Financial Protect Bureau Section XXXX, Requirements for over-the-limit transactions for Chase ending in XXXX ; permission was never requested from Chase nor given to allow for the over-the-limit-fraudulent transactions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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:
On XX/XX/2022 I mailed my FTC identity theft report to XXXX via Certified mail they received my document. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report . I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation after one week which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by XXXX. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA. I have contacted and mailed letters numerous times and the fraudulent accounts have not been removed. I have contacted the Attorney General XXXX XXXX on serval occasions and XXXX has failed to remove the items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The credit bureaus have yet to respond to my credit bureau disputes, I have not gotten a response back from none of them at all and I am trying to improve my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my XXXX checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX credit made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or 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 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 2021-01-06
Company: Experian Information Solutions Inc.
State: NY
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove this right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My financial aid office recommended high interest loans for me to complete my education in 2007 ( XXXX degree ). I now have multiple students with 3 companies. I was contacted to consolidate and believe the lenders were preying in my lack of finance repayment and accrued interest knowledge. I now have over $ XXXX in student loan debt alone. Have been paying on loans for years with no end soon in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Chase bank has violated my consumer right Fair Debt Collection Practices act. They are making me pay back monies for a consumer credit transaction that I did with them. Pursuant to 15 USC 1692 ( c ) ( a ) ( 1 ) there is a billing error because I am being billed in the positive for monies they say I owe. They also violated my right to rescind by not providing the proper documents on the revision process pursuant to 15 USC 1635 ( a ). They also violated my rights pursuant to 15 USC 1605 ( 5 ) because my insurance was not included in the finance charges which is required by federal law. As soon as I found out my consumer rights where being violated I sent a debt validation letter to Chase and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In the month of XX/XX/XXXX, I, XXXX XXXX, mailed in a check to of {$15000.00}, On the check memo I specified " principal balance '', I also made sure to mail to the corresponding PO BOX that was provided to me via customer service. I had been speaking to customer service about doing this weeks prior to avoid my funds being misapplied. It has been two weeks and I am still with customer service trying to have this misapplied credit be corrected. My funds are still being misapplied and this action needs to be corrected immediately. The funds were divided within monthly payment instead of my funds being applied to Principal Balance, although identified numerous times. I am getting the run around and this is time sensitive.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: CO
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 Fair credit reporting act XXXX XXXX XXXX has violated my rights 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 also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Reports on XXXX XXXX by Capital One Bank, reporting to XXXX   listing dark web information found on the credit report. Being denied employment through credit check processing indicating misleading and inaccurate personal behavior misstatements from non financial reporting. In 2018, reported dark web information found to FBI and filed a report as information is incorrect, improper use of email address, identity theft as email address. There are no billing statements, transaction of financials with the Capital One Bank or any other crediting bank. The email listed is registered on job boards, public websites such as XXXX  for employment. Currently, XXXX XXXX provided by XXXX is reporting as a Negative on the credit report on personal information found on a dark web search. I have taken the necessary steps in reporting to the authoritative agencies about this event and have filed claim to the FBI claiming Personal Identifiable Information, Defamation, and Identity Theft. 

The right to privacy is an element of various legal traditions to restrain governmental and private actions that threaten the privacy of individuals. No one shall be subjected to arbitrary interference with his/her privacy, family, home or correspondence, nor to attacks upon his honor and reputation. Everyone has the right to the protection of the law against such interference or attacks.The right to privacy is alluded to in the Fourth Amendment to the US Constitution, which states, " The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: North American Asset Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; XXXX XXXX2019 ; XXXX XXXX2019 ; XXXX XXXX2019 ; Tried resolving directly with companies. I have previously had identity theft before

Company response to consumer: Untimely response
Consumer complaint received 2023-02-10
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
paypal europe s a r l et s c a Sent a 1099-c about a debt that does not belong to me, I have no idea where this is coming from I believe my social has been stolen from this company, I have had no contact with or from them prior to today XX/XX/XXXX. Its out of XXXX XXXX Ive tried to look into it with no results. It says its from pay pal in the amount of XXXX I do not use pay pal, I do not use pay pal out of XXXX XXXX Creditors XXXX  XXXX Account number XXXX XX/XX/XXXX. It has last four of my social, but I havent borrowed money or used pay pal to borrow money I looked it up online a lot of people are saying pay pal wont help with this and they had a breach last year and no ones gotten any where with this Contact number XXXX XXXX XXXX No one picked up Im very confused and concerned someone is using my social

Company response to consumer: Closed with explanation