BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter of dispute with Equifax, one of the major credit reporting agencies, regarding inaccuracies on my credit report. On XX/XX/XXXX, I initiated contact with Equifax concerning the following incorrect information, but to date, they have not provided a response. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the Inaccurate Information and Required Corrections : The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Request : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Request : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Request : Please remove it from my credit report. 

The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$25000.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Request : Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NY
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

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 2023-11-22
Company: EQUIFAX, INC.
State: NJ
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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not includ any report containing information solely as transactions or experiences between the consumer and the person making the report 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 


XXXX XX/XX/2022 XXXX XX/XX/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 2023-11-14
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 recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 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 explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A XXXX ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX 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: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For months, there has been a consistent pattern of inaccurate reporting concerning these accounts! The following accounts continue to be reported incorrectly, including in the comments section. These account numbers are wrongly labeled as late payments, and it's incredibly frustrating that this inaccurate reporting persists. Following our compliance protocol, it's crucial that you swiftly remove these entries. Please understand that this isn't merely a correction but a demand for their complete removal. I have lodged disputes regarding this issue multiple times, and it is imperative that you eliminate these erroneous accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
For the last XXXX months, since XX/XX/2023, BEFORE my due date to make my first payment on my student loan, I have submitted ( 3 times now, once in XXXX, once in XXXX and another time in XXXX ) for a Deferment request as I attended part time ( XXXX credit hours ) school for the semester of Fall 2023. I have submitted official documentation from my school as proof of my enrollment as well. Not only do I not receieve confirmations, I only see a " we are processing your request '' banner when I check the progress of my request a week or XXXX after I submit. Then, that notice disappears, with NO track or record of my request in my Nelnet account either. Like I never requested anything. Then a few weeks later, I get a notice about my payments being late. I have tried calling numerous times, to be on hold for a long time ( XXXX minutes ) then the call dropping/ hanging up once it is my turn. I have tried to email them, as I realized last month this is affecting my credit score and continues to do so ( the last time I requested it was XXXX, this time I took screenshots and saved everything ). I just attempted to call them again as this is the third time my requests not only disappear, but doesnt go through. And again, affecting my credit score for the third month in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XXXX of 2023 I have been sending Capital One letters to validate the debt they say I owe to them. They have not provided me anything that validates my debt per the fair debt collection act. Here are the things I have sent and requested below. 

1 ) An explanation of the alleged account balance. 

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, to confirm the amount is correct. 

3 ) Documentation that shows my agreement to pay this debt with my signature and my authorization to report this to my credit report. I did not give my consent to you having my information, and any unauthorized use of my social security number is identity theft and will be reported. 

4 ) The Agreement that grants you authority to collect on this alleged debt. 

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

6 ) The purchase agreement. 

7 ) A sworn statement under penalty of perjury to confirm your presence during the alleged debt. 

8 ) Demand for you to provide Chain of Custody for account to ensure the financing and hand-to-hand transfers are correct. 

9 ) Master Bill of Sale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My husband and I have been HUGELY profitable customers of Chase for over 30 years carrying high balances, an active HELOC and at one point a mortgage. In exchange for their earning huge profits on our high balances and paying a pittance in interest they gave us free checking. Wow. For the last few months my balance in one of the accounts fell to the point where they began charging $ XXXX. Contacting them for relief there was ZERO understanding of the fact that we have been long time, highly profitable and loyal customers. They deferred to the fine print buried deep inside their XXXX XXXX XXXX as a reason why they were under no obligation to refund fees. 

Chase is earning record profits. 

Why do the regulators allow them to continue to treat their customers XXXX XXXXXXXX? 

They should not be allowed to rely upon XXXXXXXX XXXX XXXX mailed eons ago ( or worse, sent via email which noone reads anyway ) written in mouse type as a reason to justify their taking advantage of customers and milking our accounts for money that goes to XXXX XXXX and his minions in outrageous bonuses. 

Why don't you hold them more accountable? 

PS part of the reason I decided to send this complaint is that, as a former banking executive, I know they will be put through the hassle of having responded. Had they treated me with some respect and fairness it would have cost them less money and hassle, and I would not be bad-mouthing them to anyone who will listen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: Williams & Fudge, Inc
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was an XXXXXXXX XXXX at XXXX XXXX XXXX in XXXX. I was awarded a Washington XXXX need grant and a XXXX XXXX XXXX. During the last quarter of the semester, I was told by my XXXXt counselor that the math class was not needed to finish my degree. I was dropped from full-time to part-time. This was well into the semester. He withdrew me from the class, and I completed my XXXX XXXX XXXX in XX/XX/XXXX. 
As a result, XXXX XXXX XXXX  wants part of the grants paid back. I set up a payment plan, and have been able to pay {$970.00} at {$50.00} per month. Unfortunately, I lost employment in XXXX, became severely XXXX XXXX XXXX XXXX and had not been able to make the payments. 
On XX/XX/XXXX, I received an email extending a payment plan from XXXX XXXX XXXX  giving me until XXXX to enroll. I sent an email to XXXX XXXX on XX/XX/XXXX, the Account Specialist at XXXX XXXX XXXX XXXXXXXX XXXX requesting to restart the payment plan. I was informed that my account had been sent to the Williams and Fudge collection agency.

I have requested proof of the amount that is owed, which is incorrect. On XX/XX/XXXX I received an email from the collection agency with an incorrect amount being owed. XXXX XXXX XXXX and Williams And Fudge are charging me twice the actual amount of the grant that was awarded in XXXX and refuse to provide proof of how my payments were applied to the debt. XXXX XXXX XXXX sent out a system-wide email stating that an error had occurred, and students were accidentally being charged double what they owed. I never received confirmation that the issue had been corrected, so I'm being required to pay double. 
I want an investigation done on XXXX and Williams And Fudge collection agency for fraud. I do not owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: FL
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:
An unrecognized transaction was posted on my account, which I immediately advised the back was fraudulent and a claim was formed. I called chase bank and was told that the transaction was done by digital wallet, which is an in person transaction that the phone must be present to complete.. the phone was never stolen neither was my physical card. The claim was denied and I called to appeal it on the basis that this transaction was made in person outside of the USA and a separate transaction charge for exchange rate was applied, and I couldnt have been outside of the US because the same bank was approving in person charges for me at home in XXXX. They told me these charges were consistent. I asked them how the digital transaction was verified and they with held the information. They also denied opening another investigation unless they get more documentation proving I didnt purchase anything from the vendor, and that is impossible for me as they have all the information and will not release it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bankcapital onefroze every penny in my account including my direct deposit from paycheck and my child support leaving me with no access to any money inc, using freezing my childrens account. This is the result of a court order from a creditor, I completed and faxed the exemption firm and called the creditor who gave me until XXXX to make a payment though the debt is not completely legitimate. The creditor also informed me that it is not legal for capital one to freeze all of the funds in my account and the first. XXXX were exempt. Despite several attempts to contact capital one to explain this law, they wanted a release from the creditor to release the freeze and denied me of fairness under the XXXX. I have no money to survive and they left me access to XXXX fund as well as my XXXX children as they froze their accounts while XXXX are in XXXX Capital one refused to acknowledge this that even the collector says they needed to follow this law but its not their place to tell them. The debt is old and disputable as I continued to pay on it for longer than after sent to collections. 
They put my livelihood in immediate jeopardy as my rent is due. I have a minor with me in my home whom child support is frozen. This is exempt in addition to the first XXXX in my account as all accounts combined do not amount to XXXX! I have a water bill due and no access to food, gas, I need to pay me water bill and they have taken my every cent. This should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a dispute on PayPa CASE ID XXXX, reporting an unauthorized transaction. Exactly four hours later, I received the message that my claim was denied, and they did not discover any unauthorized transaction. 

This seems a very fast response, considering they said it would take up to 10 days to investigate. I phoned PayPal and a representative told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police. 

Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that Based on our review, we found this transaction is consistent with your PayPal payment history. 

I use PayPal sparingly, never above {$100.00}, and only from my home computer. So, the transaction in question was certainly not consistent with my history. 

It seems to me that all this has gone too fast. I do not believe PayPal really investigated my claim. If it had, then it would have found the payment was not made from my computer, and, most likely, not from within my country. I would like PayPal to refund my money. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX credit report viewed on website and disputed the validity of fake debts I have in past as they cant provide me wet signature to prove it was ever mine but XXXX XXXX XXXX XXXX are listed presently as two separate neg debts making any potential creditor believe I am owing two different debts when its same evidence by my screenshot showing both same account numbers. My score is suffering and fico and although I disputed u was supposed to get new car and this is going to drastically affect my finance rate and charges i am now offered. Im so mad this is super illegal to misrepresent the same debt as two separate one knowing I less likely to ever get approved with more debt ofc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have tried multiple times to get through to Nelnet, I have applied for the XXXX plan but heard nothing back and I can not reach Nelnet. I have sat on the phone multiple times for XXXX hours to get taken out of forbearance and get on the XXXX plan but can not reach anyone. Interest is now adding up and I cant reach Nelnet to solve the problem. I have yet to speak to anyone at Nelnet. Nelnet does not answer emails and nothing can be resolved through email, they just tell you to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Nelnet, Inc.
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:
Aside from the fact that this government does not care about the generations of XXXX that had to take out XXXX XXXX  only to have to be transferred to the worst loan servicer after being promised that even though you can not forgive our loans, that we would at least have an easier time paying it off. NELNET LOAN SERVICER has been the absolute worse experience I have ever had. I had applied for the SAVE plan and had made significantly less money since I had been on maternity leave for the last 2 months and first 3 months of the year. I had resubmitted my application in XXXX of 2023. I got a notification in XXXX that I had to pay the same amount I was paying 3 years ago before COVID. THEN to make matters worse I see that my payment has been applied to my interest instead of my principle, which we had already seen had screwed many people over in the last 10 years since it causes the loan to continue to accrue interest on an amount of money that has been paid for the last 7 years but has not moved a needle on the principle. I have tried to get in touch with them and its almost a 2 hour wait on the phone only for the lady to read some script off a screen and try to interrupt the answer of my questions without actually having any knowledge. I had reapplied for SAVE again after resubmitting my pay stub to NELNET in XXXX. I am not set to pay anything until XXXX yet my interest continues to climb and they applied my last payment to my interest. I have found this site to file a complaint because I found a website with complaints from other people who had the same issues with Nelnet. I did not agree to have this loan servicer. I was just transferred from Great Lakes. My husband has a different loan servicer and he makes more than me a year but I owe more a month than he does. Something smells fishy and corrupt going on. Please I beg of you, on behalf of all the XXXX who took out Loans and are struggling. I am a XXXX XXXX XXXX who worked all throughout the pandemic and this is the thank you we get from the government. Please fix this matter!!!!!

Company response to consumer: Closed with explanation