BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-07
Company: Nelnet, Inc.
State: VA
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:
You respond on XX/XX/XXXX that We did not receive a forbearance request from you to postpone payments due after XX/XX/XXXX. Please then explain the long laundry list of correspondence below regarding the XX/XX/XXXXforbearance request requesting a forbearance for one year. Please check your records again and correctly apply the XX/XX/XXXX forbearance as requested. If you find you have misplaced the forbearance request, as well as the long train of correspondence noted below regarding same, let me know what you need and I will forward said paperwork yet again. On a related note, I find it interesting that you claim you can not forward copies of my deferment and forbearance applications as requested for proprietary reasons could that be, perhaps, because you have lost track of them? In addition to letting me know what paperwork you need me to resend, please explain in more detail why you can not send this proprietary information and why it is proprietary. Once you have applied the XX/XX/XXXX forbearance as requested I will be focusing on all of the other requests and questions you have not answered over the last four years.

XX/XX/XXXX : fax with receipt to nelnet : forbearance request to XXXX dated XX/XX/XXXX x 5 pages. 
XX/XX/XXXX : fax with receipt to nelnet : first follow-up to XXXX - requests apply XXXX forbearance request. 
XXXX : faxes with receipts to nelnet : second follow-up x 2 to both XXXX and XXXX request applyXX/XX/XXXX forbearance request. 
XX/XX/XXXX : email from nelnet : acknowledges request and promises a response. 
XX/XX/XXXX : ltr from nelnet : congratulates me and notes my forbearance request has been approved.

XX/XX/XXXX : faxes with receipts to nelnet : to both XXXX and XXXX in response to XX/XX/XXXX acknowledgement and application of the XX/XX/XXXX forbearance - request nelnet correct application of same. 
XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance. XX/XX/XXXX : email from nelnet : acknowledges request and promises response.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance. 
XX/XX/XXXX : emails x 2 to nelnet : request correct application of XX/XX/XXXX forbearance request. 
XX/XX/XXXX : emails x 2 from nelnet : acknowledges requests and promises response.

XX/XX/XXXX and XX/XX/XXXX : cfpb complaints re nelnet : request correct application of XX/XX/XXXX forbearance request. Forbearance request correspondence dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX attached to complaints.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance request.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance request. 
XX/XX/XXXX : cfpb complaints x 2 re nelnet : request correct application of XX/XX/XXXX forbearance request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly state that a failure to investigate theses items Within 30days gives a reason to immediately remove those items from my credit report its been over 60days So they should be deleted promptly I demand theses accounts be deleted immediately or I will file a litigation due to the stress you caused me.my information was also impacted by the equifax data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied to refinance mortgage and a predatory offer was made instead of trying help me save my house.

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 2023-07-10
Company: EQUIFAX, 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:
On XX/XX/XXXX; submitted a dispute regarding Equifax not adhering to my consumer rights and correcting incorrect information on my credit report. Prior to that I had submitted two disputes with Equifax for requesting my information be corrected. The first time I sent out letters requesting the errors to be corrected was on XX/XX/XXXX and then again on XX/XX/XXXX. I advised CFPB of this violation and that all three bureaus had the incorrect information and was refusing to comply and fix the issue by submitting me stall letters asking me verify my information and accusing me of using a third party. If you refer to complaint # XXXX for Equifax that was submitted to your organization on XX/XX/XXXX ; I uploaded the letters I sent out to all three bureaus and the stall letters of requesting me to verify my identity ( which I did twice with a recent bill and my driver 's license ) and a second stating that I was using a third party or credit repair. 

I have now attached another letter that Equifax is using to stall. We are well past their time to correct these errors and my next step is to file a suit as my rights are continuously being violated. I have since received another later from Equifax requesting me to yet again verify my identity. How many times must I submit the same information? Who is collecting this information? Is this not a privacy violation? Please looking into this matter. They now have 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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: Personal information incorrect

Complaint:
on XX/XX/2020 at XXXX XXXX  ET, I have called Experian dispute center after I found some address listed to a credit report that does not belong to me, I've spoken to XXXX from the dispute DPT after she verifies my information, I told her about the wrong personal information has been listed to my credit report ( the address that I never lived in ) her answer was " sir you have to contact the creditors who reported that info to us " I don't know even who reported this info, to begin with, and she refused to take my complaint about the incorrect personal information. 
according to the Fair Credit Reporting Act, XXXX from Experian dispute DPT acted against the law please help to correct this unlawful act from Experian

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED XXXX BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
O or about XX/XX/2022, I looked at a home driving by in the city of XXXX XXXX of California. I was driving looking for homes as I waas already preapproved by XXXX XXXX  for {$530000.00}. 
Thisn particulaer home attracted me as a single parent that it would qualifuy for a low income quota and I also met the income requirements as well as the credit having my preapproval with me. 
Upon calling I was told that I would have to aply for a loan from their own bank, USBANK and to go online and do it and then XXXX the pereapproval from them. Dont know if that is legal? Anyway I did that send in all the documents gave access to the bank info and for my credit. 
On XX/XX/2022 in the mail XXXX receievd a letter that my credit score was XXXX points loweer than a few days ago. How did that happen? I was only preapproved les than 30 days ago, I am on alerts with every credit card comnpnay that informs me of every move on my credit, access, points lowerd or go higher, applications, inquiries etc. I am also on alerts with XXXX XXXX abd didnt receive anything fron any of them yet USBANK says its XXXX points lower, and the agent XXXX returned the calls no response via email either just complete silence so as to deny me the opportunity to get the home as I am a single woman a XXXX woman XXXX XXXX always covered and speak with an accent. 
I need ot know how : 1 ) : the credit fell more than 100 poinyts instantaneously?

2 ) : The rson of the silenc?

3 ) : Othe roptions etc? 
and even with the llower score I still qualify for a loan but at a highr rate so whats hoding my application back?

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 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
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:
Im filing this complaint against experian ti remove and delete XXXX XXXX, this account is fraudulent, im attaching a police report and a copy of a ftc identity theft report to this complaint, im tired of experian ignoring my complaint and has not responded by taking this account off my credit report I will use this opportunity to sue experian is this account after providing a police report that I have filed showing Im a victim of identity fraud, because my information was leaked on the dark web by XXXX XXXX and my information was compromised, this has been failure and I have hired a lawyer if this complaint and my request are ignored this lawyer will file a law suite against XXXX XXXX and experian, experian has failed even through the pandemic my complaints was not taking serious and my rights under the fair credit reporting act were violated, I will use this complaint in my law suite to file against experian if this complaint goes in noticed and does not fix this issue, I have tried to work many of times and now Im not sitting back and letting experian protect XXXX XXXX anymore, they have committed fraud by using my information illegally to obtain this account in my name and has refused to take off my credit, that account is paid in full, but it is not my account now take this account off my credit and block it, my last request and CFPB, experian needs to be investigated for ignoring consumers that provide substantial evidence of identity theft as I have many of times and I have turn over the amount of evidence and times I have reported this to the CFPB XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX I have notified attorney to enforce my rights, this lawyer will file suite if my complaint goes unnoticed or is not taking serious, Including XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please delete these accounts also they were open fraudulently in my name take this complaint very serious as my rights have been violated and this has caused serious damage to my credit.

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 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I applied for a credit card through XXXX XXXX and I was declined! The banker checked my credit report and we discovered that somebody had taken out a credit card in my name in XXXX, XXXX and had missed payments causing the card to be closed. This negatively impacted my credit score so the company refused to issue me a credit card. I have since reached out to XXXX and they are disputing the card for me, which is amazing. I am worried that some unknown individual has access to my Social Security Number, which worries me. How else would they be able to take out a Credit Card in my name?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: NJ
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:
This is coming from myself and no other person. On XX/XX/XXXX I contacted this company in regards to my right to privacy. This company has been furnishing items on my consumer report without my consent. This is a violation of federal law. I demanded this company to remove these items that are against the law and this company did not comply. In fact they claimed to have done an investigation when in fact there is no investigation needed in my demand to exercise my right to privacy. This is IDENTITY THEFT 18 U.S Code 1028. EXTORTION. 18 U.S Code 872. RACKETEERING 18 U.S Code 1962, FRAUD AND SWINDLES 18 U.S Code 1341 and 18 U.S Code 880 RECEIVING THE PROCEEDS OF EXTORTION. Amongst the FCRA violations like PERMISSIBLE PURPOSE 15 U.S Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identify theft. There are 3 items on my credit report from cell phone carries XXXX, XXXX and XXXX. I think it may be someone in my household and I would like a block on my social security number and from new accounts being open 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 2023-10-19
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On Wednesday, XX/XX/2023, I called AmeriHome Mortgage to get a payoff amount for my note. That payoff amount was posted in my documents in my online portal. It had the payoff amount that was due on XX/XX/2023 plus an additional daily fee of {$110.00} per day after XX/XX/2023. On XX/XX/2023, I sent a wire to AmeriHome in the amount of the payoff plus the {$110.00} due to it being the next day. The wire arrived after XXXX, so AmeriHome viewed it as short and expected another {$110.00}. They did not call. The did not provide any information on this in the portal. I called customer service on XX/XX/2023 and spoke to an agent who said it would be fine and that it takes a day to process wires received after XXXX XXXX on the previous day. Lo and behold, On Monday XX/XX/2023, I called customer service again because the rejected wire was not put in my bank account due to what they called the short amount of {$110.00}. I spoke to an escalation agent - XXXX ID XXXX XXXXXXXX and he said he would be sending the wire back, he was opening up a case and that he was filing a complaint on my behalf. All of which was not done as of XX/XX/2023 ). XXXX said that the " short wire '' amount would be returned to my bank account in 24 to 48 hours. That means at the latest, the wire transfer should have been received back in my bank on XX/XX/2023. On XX/XX/2023, the money is still not in my bank account, no case number had been opened, no complaint was filed and no answers were provided in writing, in a phone call, an email or a letter. AmeriHome held my money for a week and that costs me {$110.00} per day in interest. This is fraudulent and deceptive as the money is not theirs and by holding my money and delaying its return, they in essence maximize the amount of fees they are able to generate because each day that goes by costs me {$110.00}. There is no reason that they should have held my money as soon as they claimed it was short. It was wired to them and they should have wired it back. They are deceptively creating additional fees that is costing me real money and there is zero communication about the resolution from the company as of XX/XX/2023. Buyer Beware!!!

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX 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 2020-08-04
Company: AES/PHEAA
State: ME
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 took out a XXXX XXXX loan for my daughter that was supposed to be deferred until she graduates next year. I currently already have other student loans being paid to Fed Loan Servicing and those are automatic payments. Soon after I took the loans out I became ill and had to have a relative take over my finances. Seeing that I was already paying Fed Loan Servicing it was assumed it was being paid and never questioned until I received a collections notice for the loan and it shows on my credit report as defaulted. 
The loan was supposed to have been in deferment so it is unknown how it defaulted. 
I tried contacting Fed Loan Servicing and they claim they have no information except that the loan was once there but they transferred it to " XXXX '' and they gave me the phone number of XXXX and I was told I needed to call Fed Loan Servicing back at XXXX as I would have to get the information from them, they also advised me to speak to a manager. I spoke to a manager was told there is absolutely nothing they can do for me and can give me no information. 
Furthermore as I had mentioned above, I have other accounts with Fed Loan Serviceing that is an automatic payment for the minimum amount that they take out every month. I don't understand why it wasn't added as the others are all lumped together. 
More questions they are unwilling to answer.

Company response to consumer: Closed with non-monetary relief