BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Nelnet, Inc.
State: SC
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 made a payment on my XXXX student loan, ( which does not go into repayment status until XXXX ) on XX/XX/XXXX through NelNets website. I confirmed that the payment was deducted from my bank account on XX/XX/XXXX. Servicer ( nelnet ) and XXXX XXXX do not show this payment having been made as of XX/XX/XXXX. Spoke with Nelnet for over 2 hours. They stated that the main system does not show the payment was made. They had to reach out to another department and was able to verify that they did receive the funds on XX/XX/XXXX, XXXX advised they would put a ticket in for the funds to be credited to my account which would take XXXX weeks. This is not handling my payments in a timely manner. I request that they provide a provisional credit so that my account would reflect an accurate balance since they have verified that they received my funds and so that I could continue to make my payments and this was verbally denied. I was told not to worry, it would be fixed in 4-6 weeks and there was nothing they could do. Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This problem began when my original account was closed without notification when a Co-Owner ( my XXXX son ) obtained his own separate account. Ive attempted to reapply and obtain a new card at least six ( 6 ) times and been promised by at least three managers during a dozen separate support calls that I would be contacted back after they submitted an escalation. Ive never once received a callback addressing any of this. 

The system answer in every denial has been that my Identification can not be verified, which is total nonsense. The multiple photos of my Utah drivers license that have been submitted were clear and there is no way that all the different photos that Ive submitted were bad. It also ignores that I AM ALREADY A CUSTOMER, have had credit with you before, and HAVE AN ACTUAL BALANCE IN A LINKED SAVINGS ACCOUNT. 

There is obviously some glitch or other failure in your system or you are lying about the reason for denial. No person at Goldman Sachs Bank has been willing to take ownership of this problem, which I find to be indicative of a supervisory and management failure within the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet is my new student loan provider. Ever since I have gotten on the platform, my " amount due '' has been {$0.00}. But this is not correct. I owe $ XXXX in student loans and have just been manually paying $ XXXX for many months now. Now that student loan repayment has restarted, I have no idea how to get an updated amount. It also does not allow me to set up autopay. When I try to turn " on '' autopay, it tells me my autopay amount will only be {$410.00} and not occur until XX/XX/2024. 

Not only am I not able to modify this, but with autopay " on '' you get a 0.25 % discount on your loan. This service is currently blocked to me, and on a $ XXXX loan that is major. I'm fully able to make automatic payments. But the system will not let me turn it " on '' so that it works properly. Therefore, I am unfairly being blocked from accessing this discount due to issues with Nelnet 's service. And I am unfairly being charged more interest. 

I have called and messaged the company multiple times over the last 3 months. They do not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I realized on XX/XX/2023 that 2 unauthorized transactions were sent out of my account at PNC Bank. I quickly contacted PNC Bank to file a dispute. My disputes were denied on the basis that it was a transfer from my account at PNC Bank to my account at XXXX XXXX XXXX. PNC also stated that the transaction took place on a recognized device. I never opened an account at XXXX XXXX XXXX, nor do I do business with them. Upon hearing this news, I called XXXX XXXX XXXX for more information. Representative told me that they were not allowed to browse their clients accounts to provide me that information. I called the police to resolve the matter, and was referred to this website to submit my complaint. I have reached back out to PNC Bank and XXXX XXXX for more information, and I was unable to find any help for the money that was stolen. Between XX/XX/2023 - XX/XX/2023 there were 3 external transfers that were done from my PNC account # XXXX to a XXXX XXXX XXXX account # XXXX totaling {$4900.00}. However, in an email from the XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX stated that I was not the account holder of the recipient account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: SYNCHRONY FINANCIAL
State: LA
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 did not authorize this inquiry at Lowes on XX/XX/2022 2022

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NC
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: Other problem getting your report or credit score

Complaint:
I already had an open complaint about Experian 's ongoing refusal to update my name on my credit report. That seems to now have been fixed, finally. However, immediately after that, I receive a notification saying I " no longer have a FICO score '' ( my FICO score was previously in the XXXX after years of working to get it there ), ostensibly because I don't have enough open accounts or enough credit history, because apparently Experian did not accurately append my existing report to the new name. Given the difficulty I already had with Experian on even changing my name, I am going *directly* to the CFPB with a complain this time, without first reaching out to Experian, because I want oversight over this entire process.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX. Family educational and privacy rights On XX/XX/XXXX I spoke with several individuals at DEPT OF EDUCATIONXXXX and sent a letter on XX/XX/XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for removal and also I requested that they send me my Master Promissory NOTES for both accounts on my credit reports Date opened XX/XX/XXXX Account number XXXX Amount XXXX Date opened XX/XX/XXXX Account number XXXX Amount XXXX NO ACTIONS WERE TAKEN I've also informed XXXX, XXXX and Transunion of the violation of the Family educational and privacy rights requesting removal

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 2023-08-15
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:
My name is 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. 
Inaccurate addresses : 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 explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
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:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-12-01
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
The loan was taken out XXXX of 2015 which is XXXX and XXXX XXXX. I voluntarily gave the car in for repo. The car was sold at the auction for XXXX but Honda finance is still reporting a XXXX balance due on my credit report. As for repossession isnt it supposed to removed from your credit report Ive spoken to Honda and they refuse to remove it Ive spoke to them several times in regards to this matter I fell on hard times and couldnt afford the car and couldnt handle the payments and i expressed that to the company i am simply trying to get my credit in order after all these years. American Honda finance refuses to remove this of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Did not receive Chase {$900.00} Bonus for opening new Checking + Savings accounts. 

Terms : Chase is offering a checking & savings bonus worth up to {$900.00} * Receive a bonus of {$300.00} when you open a Chase Total checking account and have a direct deposit post to the account within 90 days. 
* Receive a bonus of {$200.00} when you open a Chase savings account and deposit {$15000.00} or more in new money within 30 days and maintain a balance of {$15000.00} for 90 days. 
* Receive an extra {$400.00} bonus when you complete both of the above bonuses. 

XX/XX/2023 - Opened Chase Total Checking and Savings accounts XX/XX/2023 - Deposit {$15000.00} into Savings account XX/XX/2023 - Direct Deposited {$100.00} into Checking account Never received any bonus. 

Called Chase customer service and provided coupon code " XXXX XXXX XXXX XXXX '', but was told the coupon code had expired. 

A case was opened by Chase customer service, but never got a reply. 
Chase Case number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: FREEDOM FINANCIAL NETWORK
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: Account status incorrect

Complaint:
Disputed identity theft account on my credit report with XXXX and with a cheese personal loans on the first week of XXXX. XX/XX/XXXX the information was blocked removed by XXXX  and on XX/XX/XXXX this information was verified by achieve personal loans, and placed back on my credit report. Achieve personal loans didnt response to my dispute within 30 days nor did they response to XXXX  within the time frame allowed either to which is a violation under 15 usc 1681a ( 5 ) ( i ) ( ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I earned XXXX Capital One rewards points. On XX/XX/2023 I attempted to transfer the XXXX rewards points to XXXX XXXX XXXX account. The Capital One website blocked me. I contacted Capital One Customer Service multiple times and I was given different explanations. One agent told me maybe my XXXX XXXX XXXX account is wrong and asked me to confirm with XXXX XXXX. I did that and XXXX XXXX confirmed there was nothing wrong with my XXXX XXXX account. Another agent told me because I recently added a home phone number to my Capital One profile so I must wait XXXX hours. So I waited XXXX hours but the issue was still there. Finally another agent told me Capital One website blocked me from transferring rewards points because my Capital One credit card was too " new ''. 

I have double checked the Terms and Conditions ( attached ) governing the transfer of points from Capital One XXXX XXXX XXXX XXXX. There are no provisioning in there authorizing Capital One to block my transfer for the reason of " account being too new ''. So Capital one is clearly in breach of contract. And by failing to mention this important restriction in the Capital One Venture Card Product web page, Capital One also committed false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: CCF Intermediate Holdings LLC
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Chexsystems did not protect consumer 's PII

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 2023-03-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They falsely charged me fines for someone breaking into my account I would like something for my pain and suffering

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 2023-03-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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 permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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