BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have received bad information about a private student loan I secured with XXXX XXXX XXXX ( Nelnet Servicing LLC ) in XX/XX/XXXX. I did not receive information on when payments were scheduled to begin and the monthly amount. Recently, I have started receiving harassing phone calls from XXXX and an email dated XX/XX/XXXX, that my loan was delinquent. I then received an email dated XX/XX/XXXX indicating that there was an important message in my XXXX inbox regarding my account. These two notices have been the only communications I have received from XXXX. I have not received any prior communications on how to access my account, billing statements, or any prior communications from XXXX that my loan was coming up for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my shortage, but they did not update my payment. 
COVID Deferral completed in XX/XX/XXXX - final approval reflected a shortage in escrow of XXXX with the next payment due date of XX/XX/XXXX XXXX  XXXX - out of term escrow analysis completed XX/XX/XXXX reflected a shortage of XXXX, the new payment reflected XXXX XXXX XX/XX/XXXX. The shortage portion of the payment is XXXX. While this stmt was still in the mail .... 

- I paid the shortage, as indicated on the Deferral agreement XXXX  XXXX on XX/XX/XXXX They applied the payment to my escrow account but there is no way on the website to see if the payment was corrected ( shortage collection removed ) until the payment rolls to the due date of XX/XX/XXXX. 

- XXXX payment paid XXXX  XXXX. 
>> new analysis completed XX/XX/XXXX, according to state-schedule - reflects a payment of XXXX and an overage of XXXX - XXXX payment paid XXXX XXXX - XXXX payment reflects due XXXX - they did not remove the collection of the XXXX shortage from the payment after I made that shortage payment XX/XX/XXXX. The analysis completed XX/XX/XXXX is reflecting the deposit to escrow but the effective date is XX/XX/XXXX, therefore an incorrect payment amount and overage. 
I am required to pay the higher amount of XXXX for one month XXXX because of this neglect. 
I called USBank on XX/XX/XXXX, spoke to XXXX at XXXXXXXX XXXX and she told me they can not correct this. I called again and spoke to XXXX at XXXXXXXX XXXX and she also told me they can not correct this. 
Fortunately ( or unfortunately ) I have worked in mortgage servicing and was able to explain to them exactly what happened, why it happened and could have even provided them what screen to go to in in their system to correct this error.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is my follow-up to my previous endeavor to tell you that there are erroneous accounts within my Credit report file. The accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once. 

Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$5400.00}

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 2022-04-11
Company: Atlanticus Services Corporation
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  - Inquiry XXXX XXXX XXXX - Inquiry XXXX XXXX XXXX XXXX Inquiry 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: LA
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:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for 7 months now. EXPERIAN has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer 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 2018-07-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I Open and Account With Chase and Chase Close My Checking Account Without My Permission and Said to me no New Account Cant Be Open Please Help me with this Problem. i did not do anything wrong and Chase closed my account XX/XX/2018 Account Number : XXXX for no Reason please help me with this problem i dont know why chase closed my account without my permission please help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX # XXXX 15 U.S.C. 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 an account without my written instructions.

15 U.S.C. 1681 C ( 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 2023-05-19
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been with Wells Fargo Home Mortgage since XXXX and during that time from XXXX until today my escrow shortage has raised significantly making it harder to pay my mortgage, I have reached out several times to refinance or modify my terms and have I been repeatedly told that I don't qualify and have been charged high fees to even start the process even though I only owe XXXX on my loan my wife and I are on limited income with no recourse but to let our home get foreclosed on, my age is XXXX and my wife is 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 2017-05-16
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
THIS IS THE SECOND TIME I AM FILING THIS COMPLAINT In    XX/XX/XXXX    I noticed that I had a strange charge in my checking account. The charge was fro   XXXX  . I pulled up my checking account and also noticed a " preauthorized check '' in the amount  XXXX  that was taken from my account. After some time I realized that I had been charged monthly sin ce  XX/XX/XXXX . I was pretty upset over this and decided to contact Chase Customer Service. The  person I spoke with said that there was nothing they could do. I said, " I did not authorize these charges. Surely you can do something. '' Th e Chase asso ciate would not help me. I then spoke with her supervisor who said that there was nothing he could do. I asked to speak with his supervisor. He called me a few days later and apologized but he could not help. I then said, " can you at least stop these charges? '' They said, " we can do a stop payment on each for {$30.00} for eac h ( 60 tota l ). I tried contacting  XXXX   XXXX  and  XXXX . I could not get in touch.  One time a wo man answered and she sounded like she was in her car. I was NOT going to pay chase to stop these charges. I was going to find another way.   Several months ago, my boss told me to contact the CFPB in order to dispute these charges. The charges for  XXXX  are from  XXXX   (  totaling  XXXX  ) and the checks are from  XXXX  ( totaling  XXXX  ). After I contacted CFPB, someone from  Chase contacted me and told me that she would help as best she could. She called me a day later and said, " Oh, you never filed a claim with Chase. '' I said, " I was never told to file a claim. I spoke with an associate and two supervisors. They all gave me a hard 'no. ' '' She said, " Oh well I ca n't help you until you file a claim. '' Ok, so I just called Chase in order to file a claim. The claims adjuster name d  XXXX , just told me that she coulud not help me at all. That they can only go back as far as 6 months. She ca n't even pull up the record. I said, " that 's funny, because I just printed up every month that was charged. '' I then said, " well, I need to file a claim so that I can move forward with this. '' She kept telling me that she could not help and that there was nothing that could be done. At this point I 'm upset. I did not authorize these charges. I was scammed and this is not right. I want all of my money back. I want the  XXXX  and  XXXX  charges refunded back into my account. The total should be : {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Company Name ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Type Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely,

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 closed this account but it showing as I didnt pay it off., they said it was closed!

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ow do I write a hard inquiry removal letter? 
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX XXXX  TransUnion credit report. My latest credit report shows 13 credit inquiry/inquiries that I did not authorize.

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 2017-05-16
Company: AES/PHEAA
State: NY
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:
FedLoan Servicing, who took over my debt from a prior lender, has created a slew of problems that has lead to a gradual increase on the principal of my loan. Primarily, the issues have been with long delays in initiating a loan repayment plan, which has forced me to forbear my loans on multiple occasions during which periods interest accrues.     On the first of such occurrence, after the end of the tax year, monthly payments suddenly increased substantially without any warning whatsoever. Because I was on a plan that used automated debit, an amount exceeding the balance of my checking account was automatically withdrawn, creating a major inconvenience for myself until the issue was later rectified. The subsequent process to forbear the loan, await approval of a new payment plan, and restart payments was unreasonably long ( > 3 months  ).      The second of this occurrence developed during which new tax information was submitted in a timely manner, however, the approval process was again delayed for an extended period of time  ( ~2 months ).      On the third occurrence, the approval process took 3 months.     By comparison, I have other lenders that express little or no difficulty initiating an appropriate payment plan without the need to forbear my loan and accrue interest. This practice has lead me to believe that this is a deliberate action on the part of FedLoan Servicing in an effort to collect more money over the life of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for an investment property mortgage with Quicken loans. I was told by the loan application processor that I had a range of options for determining my interest rate by selecting points that I paid or received. I selected to receive  XXXX  points credit in exchange for accepting the highest interest rate on the spectrum. When my interest rate lock came through, it listed me receiving  XXXX  points instead of the  XXXX  I was told I would receive. When the disclosure papers came through, it had me PAYING  XXXX  points with the still highest interest rate. I was told by  two different people at Quicken that it was just a simple error and they would correc t it. They took off the  XXXX  points, but offered me no credits. I then spoke to the  Director of Mortgage Banking at Quicken who ( verbally ) told  me that they could n't honor the  XXXX  points because it was an investment property but he would issue me a credit in the amount of {$1400.00} to pay application and processing fees. On the day of closing,  Quicken st onewalled my attorney and the title company about providing final closing numbers and delayed the closing by  three hours. By  the time the final numbers came in, the credit they issued was {$1100.00}, not {$1400.00}, or even the amount that was guaranteed in my rate lock paperwork which is now archived and inaccessible to me. The original amount I was told I would receive in credits was {$3700.00}, the points I was told I would be credited wa s ~ {$1 400.00} and the credit I was told I would receive was {$1400.00}. The person at  Quicken who submitted the final numbers did n't know anything about any credits beyond the {$1100.00} and the Director of Mortgage Banking did not return my call when I tried to get clarification at closing. Quicken loans acted dishonestly and in bad faith   throughout this process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: BARCLAYS BANK DELAWARE
State: GA
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:
I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!

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 2023-02-23
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I purchased a dishwasher at XXXX XXXX store and applied for finance. I received the credit card and purchased the dishwasher, and paid nearly {$200.00} extra for delivery and installation. 

The company has botched everything from day XXXX of this. When the delivery guys came they told me they couldnt install it, left it on the outside back porch, and said a plumber would call to schedule installation. The plumber strung me along for XXXX  days, saying they could come to install outside of my work hours, cause I cant take work off for this. XXXX  days later they called to tell me the hours a plumber could come and install which was during my work hours, I told them it was unacceptable and decided to return it since XXXX XXXX lied to me and the plumbing service XXXX XXXX lied to me on several occasions on their abilities to install a dishwasher either on a weekend, or after XXXX XXXX  on weekends. 

Yesterday I initiated the return process, and am scheduled another week out on XXXX. I have told them countless times I wont be home till XXXX. And last time they delivered it an hour and a half before the window given the night before. 

I was told by their XXXX number that the refund and credit card account closure cant happen till they pick up this item Considering this whole fiasco has taken nearly a month and wasted so much of my time, I DO NOT trust them to get this picked up, and refunded, and completely closed before the due date of the bill, affecting my credit score.

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