BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I moved to XXXX in XXXX. When I first moved here, Nelnet accepted monthly student  loan  payments in XXXX funds with XXXX checks sent in the mail. Then suddenly they required those checks to be in US funds, so I opened a US checking account here and sent my payments that way. Then suddenly those got mailed back to me, and Nelnet said they no longer would accept them because they have a " foreign routing number ''. So, I would get a US bank draft every month and then mail the payments. Mail from here to US is unpredictable and payments often arrived late ( they would not accept post dated checks either ), the bank fee was $ XXXX and a hassle, so I inquired if there was another way to pay. They said they do indeed make exceptions for XXXX  residing customers and would allow payment by phone with my credit card. ( Online bill pay doesn't work either, nor does my debit card here -- because my bank is considered to have a " foreign routing number ''. ) For credit card payment I had to phone a NON toll free number, though. Anyway, that worked for about a year and was very convenient. Then I went on a XXXX  XXXX, and qualified for $ XXXX payments for a year on the income driven repayment plan. Now, I am back to needing to make monthly payments. I phoned just the other day to make my first one, called the NON toll free number as I had before, the teller entered my credit card information and then put me on hold approximately 3 times for 10 minutes each ( NON toll free! ) because she was unable to process the payment. Turns out, Nelnet no longer accepts credit card payments for XXXX  residing borrowers. She said " we used to do this all the time, I hadn't known the policy changed ''. She says the only two options I have now are to 1 ) have a family member residing in the US pay my monthly student loan amount for me ( ha!!! ) or, 2 ) POSSIBLY that a pre-paid XXXX  card would work. I will not burden someone else with making my student loan payments for me every month, and I find it appalling that the US student loan provider does not have an option for me to do this. When I asked if the pre-paid card method would work, all she could say was, " I don't know for sure, but you can try it. '' Why would I go to the trouble of buying the pre-paid card, calling the long distance number, waiting on hold, trying to make the payment -- all for it to fail? 
Why does Nelnet not have an option for someone who does not live in the XXXX to make a payment on their student loans? I surely can not be the only Nelnet customer who lives abroad. 
She had no other options for me. Get a family member to pay it, or buy a pre-paid card and try again but " it might not work ''. 
I refuse to call back and try this. If Nelnet wants me to make payments on my loans, from XXXX, they need to come up with an easy and fast way for me to do this. It is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Midland Credit Management LLC started garnishing my wages on a default judgement. I received a notice from the court At the time Midland was involved in an civil suit with 42 other states for there collection tactics. Midland lost the case so there reliability as a trusted business was far below standards of practice. Is this robo affidavits like the 1400 other claimed in ohio I tried an failed to verify the debt do to the pandemic no response. I soon realized that 98 XXXX  complaints in 2weeks I still ended up with a default judgment. Wages garnished no response from mid land credit contacted the attorney of there legal division for verification of who an what this 3rd party debt was no answer. In a time of a nation in crisis every state preventing garnishment an debt forgiveness and I front line defense an sole provider of a family of 3. I can not afford to be garnished. No date to appear in I owe the debt I would like a 609 form a call without a language barrier, no calls to my employer the writ was quite enough to tarnish my reputation of 25years of service. I have no other choice but to file complaints to XXXX  the state attorney general of Ohio and whom ever else I can to get this garnishment removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Previous CFPB complaint 's addressed response is incomplete and inaccurate. PHEAA is demanded to remove delinquency statuses beginning on the date the payment is scheduled. On XX/XX/2022, a payment will be made over the phone with a valid XXXX XXXX. I will be contacting a representative from my financial institution and the CFPB to witness that a payment will be processed on this date. Once PHEAA reports that the account becomes 60 days past due despite the payment being accounted for ON XX/XX/2022, PHEAA will be engaging in fraud and misreporting to the Credit Bureaus. Furthermore, if this occurs, I will be alerting the CFPB, the FTC, all Major Credit Bureaus, the XXXX XXXX XXXX XXXX  office, and a few attorneys with screenshots of the bank account proving the payment was processed on XX/XX/2022, yet PHEAA would maintain reporting the account as delinquent past 60 days despite their inability to reflect the status appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: TN
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : 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 explanation
Consumer complaint received 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This loan was cancelled via a provision in the Think Finance Class Action settlement agreement. Additionally, I received a check in the amount of {$16.00} to cover excess interest that had been charged. That said, the amount was so insignificant I forgot about it. The check was misplaced and I was unable to cash it before it went stale. However, I've since located the check and it is included here as proof of my membership in the " class '' and proof of loan forgiveness. I've shared this information with the creditor, XXXX XXXX, and the credit bureau, Transunion, in numerous attempts to have the information deleted - all to no avail. The willful error has cost me time and money and has been a hindrance to mortgage acquisition during the pandemic. I've lost numerous opportunities to realize the American dream of home ownership due to the willfully erroneous reporting. Enclosed please find 1 ) the settlement check from the Settlement Administrator, 2 ) the loan forgiveness provision contained in the court approved Settlement Agreement, 3 ) communication between myself and a XXXX XXXX representative.

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 2021-05-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started working with a mortgage company : Cardinal Financial Company XXXX XXXX XXXXXXXX ) and its assigned loan originator, XXXX XXXX XXXX XXXX XXXXXXXX ) to re-finance ( cash-out ) my home equity. The process took XXXX  days now and still not closed. There were some bad faith dealing and handling of my file which also resulted in me paying an out-of-pocket appraisal fee which now serves no purpose, and prolong. There are also numerous violations of the law/statutes in my state by the company and loan originator. A detail of this process is written in the attached Declaration. Please review attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion and to cease all collection activities of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
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:
This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion regarding a account by the name of XXXX XXXX Account Number XXXX this account was opened in XXXX and XXXX XXXX XXXX was opened in XX/XX/XXXX with Account Number XXXX. These 2 accounts are over 7 years old and I need them to remove them from my credit report. The bureaus have not answered my letter and they had over 30 days to answer or they had to delete the accounts.

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 2022-11-18
Company: U.S. BANCORP
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been shut down numerous times and now permanetly and this has been going on for over 3 weeks. I need my money to pay my bills utilities etc Iam in my winter home out of the country and Cant even buy food. now they keep giving me excuse why they will not send me my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I need a credit card to pay my bills and my life expenses. The credit card was close for overpayment no other issue with important relevancy.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: SC
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 my rights have been violated.

15 USC 1681 i have the right to privacy and did not give ( XXXX, Experian, & XXXX  to furnish these accounts. 

Reporting inaccuracy reporting Attachment proofs for all accounts XXXX XXXX XXXXXXXX amount {$1800.00} Is reporting a late payment on experian This account is updated /exceptional payment history on all other accounts Please investigate Update or deletXXXX XXXX XXXX XXXX0.00} Reporting inaccurate information Please investigate send documents Update or delete XXXX XXXX XXXX  amount {$890.00} Reporting inaccurate on experian & XXXX Investigate account XXXX Need final bill and sign agreement request Update or delete XXXX XXXX XXXX XXXX XXXX$2100.00} Reporting inaccurate information on experian & XXXX Please investigate XXXX final bill and sign agreement request Update or delete XXXX XXXX Reporting inaccurate on all three bureaus please investigate this account Send any signed agreement from company Update or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX all three bureaus Please investigate this account Send any signed agreement from company Update or delete XXXX XXXX XXXX  Account reporting inaccurate information Payments Please investigate this account Send any signed agreement from company Update or delete Inquiries 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 explanation
Consumer complaint received 2021-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent letter of communication to Portfolio Recovery on behalf of a debt validation. I have never entered into any agreement with them. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I requested verification of the alleged debt, specifically, I requested the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance. I requested a copy of the contract and agreement between all parties showing wet signatures of all parties. They are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). I am pretty sure they are aware, credit reporting is considered debt collection under the law. Of my knowledge, I discovered that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed since as they can't prove debt validation of a contractual agreement with Portfolio Recovery XXXX. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
Company: Experian Information Solutions Inc.
State: MI
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:
Account is still on my report

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 2021-05-16
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:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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 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 : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe Transworld SYS IncXXXX XXXX the account was closed and they reopened as a from of harassment it is XXXX and elder abuse. I have disputed all of these accounts with the three credit bureaus and they retailiate and reopened the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX.

Company response to consumer: Closed with explanation