BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022, I reached out to my student loan provider, Great Lakes, to request a student loan refund. The first representative to assist me said I qualified for a refund amount of {$17000.00} and would process the request as soon as possible. She explained that I would have to wait 8-10 weeks before seeing the refund appear in my bank account. 

After 10 weeks, I received no refund so I called again on XX/XX/2022 and requested a second refund. The second representative I spoke to confirmed that I still qualified for a refund amount of {$17000.00}. She told me that they had a new streamlined process and recommended I request my refund AGAIN and hopefully get it sooner that way. They told me it should be a 60-75 day wait, that I should check my FSA account for updates, and it should be deposited to my bank in a few weeks. 

On XX/XX/2022, I called again since I received only some of the promised refund amount through separate checks in the mail rather than through direct deposit as was initially told to me. Frustrated and concerned, I reached out if this was normal and when I should expect to receive the rest of the refund. The third representative I got ahold of told me this is common and he is unable to provide a timeline, but that I should continue to call Great Lakes. 

It is now XX/XX/2022 and Great Lakes and the US Treasury still owes me a refund amount of {$14000.00}. I would greatly appreciate if the CFPB can assist me in holding these agencies accountable so that I can get my refund amount. I understand that a refund does not mean forgiveness, but it would help if I could get this refund since these entities promised a specific amount and never delivered. 

I am especially annoyed with the customer service since I was told different things and it felt like the representatives sole role was to create confusion and not make things convenient for clients like me. Also, they made my loan amount larger on my student loan account making it difficult to tell how much I actually owe. I understand they have to reopen the loan to refund me, but the loan amount does not even reflect the {$17000.00} they promised. 

Attached below are a screenshot of my portal with Great Lakes and also the checks I have received thus far from the US Treasury totaling {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some 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 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 2019-04-25
Company: CAINE & WEINER COMPANY, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Just got off the with a female representative who refused to disclose any details or send me any information in the mail regarding two accounts I have with them. Todays date is XX/XX/2019 and the phone call was at approximately XXXX XXXX cst. I am disputing both of these accounts and they are refusing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

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 2021-03-19
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out the loan with advance financial in XXXX. I have only ever withdrawn {$700.00}. since then I have paid triple that amount back to Advance Financial. I have spoken to a representative twice and written three emails and a fax to stop the ACH and debit card withdrawals. They are still taking money out of my account just as recent at Wednesday. I spoke with another representative today who told me they sent another email to request to revoke the ACH and debit withdrawals. So far they have taken over {$840.00} out of my account WITHOUT my authorization. In XX/XX/XXXX the Attorney General brought a lawsuit against this company. See below. 

" XXXX XXXX XX/XX/XXXX XXXX Attorney General XXXX XXXX XXXX today announced that his office has reached a settlement with a Nashville-based open-end credit plan internet lender, XXXX XXXX, XXXX d/b/a Advance Financial 24/7 ( Advance Financial ). Advance Financial has agreed, as part of the settlement, to provide restitution to approximately XXXX consumers as a result of the companys alleged violations of the Virginia Consumer Protection Act ( VCPA ). Under the terms of the settlement, over {$1.00} million in total relief will be provided to approximately 1,500 Virginia consumers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions 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:
I asked the credit bureaus to validate or remove several accounts from my credit report on XX/XX/XXXX and after no response, I followed up again on XX/XX/XXXX. XXXX responded on XX/XX/XXXX, stating that they had verified the accounts but did not give any valid explanation of their investigation.

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 2023-05-22
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: Information belongs to someone else

Complaint:
1 address, 2 collections,1 revolving, and 5 inquiries that are unauthorized and are not related to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent letters to Transunion and XXXX, regarding this account and they keep rejecting my dispute letters. 

The account below is in question of its inaccuracy. 

Company : XXXX Account # : XXXX Inaccurate information on account : ( dates ) -Date Opened -Last Reported -Date Last Active - Verify date of last payment All the information is wrong and according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly or delete them. 

XXXX deleted this account from my report because of the inaccurate and unverifiable information on my credit report. 

I provided proof of the mismatch information. 

Thank you for your time.

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 2021-03-20
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just received a letter from the crooks " Flagstar bank '' claiming my homeowner insurance expired & they are immediately charging me for their own product. 
My insurance has not expired, it continues in effect - so not providing me a waiting period for their mistake is theft. 
My loan was sold to them about a year ago & I had other problems with their thievery. I had requested they sell my loan to another company but no response

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 2023-01-08
Company: EQUIFAX, INC.
State: NJ
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:
The problem I'm having is I've contacted Equifax ( via ) phone conversation, letters and through XXXX which is a secured link they sent to me to upload additional information. On XX/XX/2022 I mailed a dispute letter to Equifax asking them to validate the inaccurate items, by producing the original signed contract from all data furnishers and to show the process they take to complete their investigation. I also asked that they not validate any items electronically an addition, I requested that if they didnt verify these items they needed to be deleted immediately, by the rules/ laws mandated by the ( FTC ). The items were things like accounts and inquiries. This is a clear violation of the ( FCRA ) because all items must be validated by the original data furnisher. On XX/XX/2022 I received the results back from Equifax in which they claimed to have verified all of the items I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Basically, I have received yet a third " Pre-legal Notification '' from Midland Credit Management a couple of days ago. They have received multiple cease and desist orders in both oral and writing format from me. I had also told them that I do not owe this debt and have never heard of XXXX XXXX XXXX XXXX  until I did some research with the CFPB. This is the third time I have contacted the CFPB about this company and it is my confirmed allegation they are committing fraud and from what I have read and researched after my first complaint against them in XXXX of last year, after I received my first pre-legal notification from them, I found they had a class action lawsuit filed against them for trying to collect old and false debts. I had also told them that I am in a financial hardship due to a death in the family and later the pandemic. I would like to put a stop to this finally and get this debt which is not even my debt removed from my record and get them to finally leave me alone. I also notice that the division manager who is in charge of sending me these letters is a XXXX XXXX. I would like this case to go to my state 's attorney general and to the Department of Justice. I want to press charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Mercedes Benz Financial Services
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I initiated a consumer credit transaction in good faith ( 15 usc 1691 ( a ) ( 3 ) ) to obtain a vehicle for personal, family, and household purposes. I exercised my RIGHT as a consumer to initiate this consumer credit transaction in good faith, but was violated and discriminated against ( 12 CFR 1002 ). There was an offer advertised by the company and acceptance on my behalf as a consumer of that advertised offer, but no benefit, service, or contract has been extended. I also have proof that this agreement took place but no benefits have been rendered. Mercedes-Benz Financial Services used unfair, fraudulent, and deceptive mechanisms to obtain my nonpublic personal information from a non-affiliated third party and never gave me the proper disclosure of the process they were using or a chance to opt-out of the sharing of my nonpublic personal information ( 15 USC 6802 ). Furthermore, MBFS violated me by using information solely as to the transactions and experiences between me and the person that made the consumer report in there Notice of Action Taken and Statement of Reasons, to which I never gave them consent to do, and is also inaccurate and false information that does not reflect my creditworthiness as a consumer. One of the reasons of not extending me consumer credit was because of high payment relative to income but the associate only asked about gross monthly income from one job and never asked if this was my only source of income to account for. You never asked about all of my sources of income so how can this be an accurate determining factor? And how can you tell me what I can and can't afford with my personal income? The end result of consumer credit not being extended to me when I applied for it pursuant to the advertised offer, has been extremely unfavorable, discriminatory, emotionally damaging, and deceptive to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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:
I have tried many times to pay my bill, it always get returned. But it never gets taken out of my account, I call customer service and they tell me to try only paying the minimum amount, it will work then. I want to pay it all, and have a XXXX balance, they are making it so I owe them more in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a collection was added to my XXXX  account from Common Wealth in the amount of {$1600.00}. The original creditor is XXXX XXXX XXXX XXXX. 
But there is another collection agency currently reporting and trying to collect on this same account. To my knowledge, it is illegal for two collection agencies to collect on the same debt. 

Commonwealth has NEVER sent me a dunning letter or provided any proof that they are legally able to collect on this debt or that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX and XXXX, XXXX. XXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX Noticed legal fee and hold on my bank account on XX/XX/XXXX. Called Bank of America and was instructed me that is was from due to needing to investigate my account for an outside party. And would have to call back to speak with legal department from more information when they opened. I was also given number to outside party ( XXXX ) XXXX. 
XX/XX/XXXX XXXX I called the ( XXXX ) XXXX which is XXXX XXXX XXXX XXXX, I implied that I was looking for reason hold was placed on my account and my was forwarded to staff member to help me. No answer, and I left a voicemail for return call. 
XX/XX/XXXX XXXX Called number to Bank of America to speak with legal department regarding fees and hold, agent stated I could not speak with anyone but she would contact them on my behalf. The agent stated the hold and fees were due to judgement from the State of Georgia, and my addition bank account balance would should not be affected, there was just a one time hold for {$330.00} as of now but the told instructed to hold was about {$3400.00}. I also reported that I was unable to contact party that placed hold on account and asked for more info on how to resolve. 
XXXX I called XXXX XXXX XXXX back and was given two contact number because I was unable to reach anyone attempted to call both XXXX XXXX XXXX contacts I was given with no success. 
XXXXFollowed of with Bank of America due to not being able to contact with XXXX XXXX XXXX. Representative reinforce that Bank Could not remove hold due to instructions from State of Georgia. 
XXXX XXXX XXXX XXXX and finally was able to speak with someone called me back, who identified as debt collector. Collector stated that a judgement for garnishment when given XX/XX/XXXX, which I cant find any record of. Representative stated that total debt was about {$4200.00} and garnishment started on XX/XX/XXXX and would take all wages in account not just a percentage.

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