BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have received an email that the borrowers defense would apply to me. While waiting for that to take effect, my loan was transferred from great lakes to nelnet. My balance was approximately {$6300.00} ( I have proof ). A few days ago I was looking to see if it has gone through yet, and my balance is now {$9500.00}. There is no record of why or where that came from, it just appeared. And now it is accruing interest and says I have to begin payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Screening Reports Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
SCREENING REPORTS, obtained my background check and credit report without my permission or signed consent. I did not authorize any housing application with Indiana housing to consent to a background check with this company. Nor did I give SCREENING REPORTS, INC permission to place a hard inquiry in my credit report as well. SCREENING REPORTS, INC also reported incorrect information in my credit report as well. SCREENING REPORTS, INC has refused to remove the hard inquiry from my credit report and I want it removed.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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:
To whom XXXX be concern, I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : XXXX reported late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681p ] Best regards, 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 2021-06-10
Company: EQUIFAX, INC.
State: NY
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 XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Synovus Bank
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ive closed the account and have requested my deposit back, the company has yet to send me my deposit. I originally requested my deposit on XX/XX/2023. They are now stating that it was returned and now are sending it back out on XX/XX/2023. 

This is unacceptable and I feel as though I have been scammed, no one with the company is able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made payment on XX/XX/XXXX, credit card says was declined by the bank. When I became aware a few days later, I contacted the credit card agency but told they will present for payment twice, first XX/XX/XXXX. I asked to cancel payment and redo a fresh payment as I did not want to wait till XX/XX/XXXX. Told I could not cancel my own payment. 

Payment was presented again on XX/XX/XXXX and was deducted from my bank checking. 

To date the credit card website continues to list XX/XX/XXXX as my payment being returned, no update to say payment processed on XX/XX/XXXX. The credit card agents and a supervisor XXXX, id XXXX in Massachusetts all say as of XX/XX/XXXX that payment was made on XX/XX/XXXX. The agents do not know why website are not listing the payment and why the reversal of the returned fee has not been removed. 

XXXX continues to say my bank has to confirm the payment and that I have to wait. I find his lack of ability to correct this situation unprofessional, XXXX is not taking ownership of the problem. The payment processed since XX/XX/XXXX and over XXXX or more business days has elapsed and he can not or will not try to resolve the issue. XXXX says I must contact my bank as a credit card agent listens into the conversation as I verify my identity to my bank with my pin or other data so they can confirm my bank made payment. I told XXXX I am not comfortable with that. So as of XXXX he offers no other solution nor a time frame when the payment will be shown correctly on the credit card website. 

Worse XXXX has now blocked my ability to speak to any other supervisor, I called XXXX times, asked last two times for another supervisor but instead all the agent route me to him even if it means putting me on hold for long time frame as he takes his time to get on the phone. 

The hold times to get to a supervisor in this case XXXX is in excess of XXXX or more minutes and each time they agents never check back to say they still waiting. 

At this point I am not even certain XXXX is even a supervisor. He lied saying that an agent told him I was representing XXXX as though as I was not XXXX. I said that was a lie that I never told any agents that and then he said he made mistake. XXXX said that all conversations are taped, so if the company listens they will know he lied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 
1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX. 
2. I asked for the original contract bearing my signature.

3. I asked for the payment history and last payment date made on this account. 
4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from XXXX  XXXX   XXXX  in an attempt to collect debt that I am not even aware of. I check the website and it shows that it is a XXXX XXXX XXXX XXXX!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit 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 explanation
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Wells Fargo complaint for settlement.

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 2022-02-08
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: Investigation took more than 30 days

Complaint:
Hello, I am writing due to non-compliance with Equifax, XXXX, XXXX. They have failed to remove information that was affiliated with personal details that were challenged recently. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: OH
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:
Never attended XXXX college. 

Im a veteran would have used my GI Bill if that was the case. 

Never signed any documents with this school. 
Requesting A legal documentation from this school

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSWORLD SYSTEMS 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:
I am a victim of extreme identity theft reported, numerous times. 
A XXXX XXXX card was fraudulently opened under my identity. 
I have In multiple occasions tried to contact XXXX XXXX  to resolve this issue. 
I have been rerouted around and ignored, concerning this matter. 
This credit card was reported as bankruptcy, months prior to my attempt to file bankruptcy. 
I have public records and credit reports, reporting this fraudulent activity that is not mine. 
I was told I had know identity theft and that it was my card and my bankruptcy claim. 
This has ruined my financial wellbeing and and helped to enhance the already legal turmoil, I am enduring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions 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:
I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted experian, XXXX and XXXX regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.

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 2018-05-04
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/2016, this debt for {$480.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: IL
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:
Hello, my name is XXXX XXXX and I sent letters to all the credit bureaus over 45 days ago about inaccurate information on my credit report. I haven't received any information or letters from any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: FinCo Services Inc DBA Current
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received emails from Current thanking me for opening an account with them. I had not opened such an account. I submitted a complaint online and after much back and forth via email, they gave me a phone number ( XXXX ) to call. When I spoke with the Current representative on XX/XX/2023 at XXXX ET they said they were escalating to their fraud department. He confirmed that my DOB and email were used to open the account but could not tell me any portion of the SSN used and only my state for the address. 
Since the XXXX, I've received nothing from their fraud department and continue to get emails from Current about fees I will incur, including for lack of activity on the account. 

I called their XXXX again today, I was advised to wait 24-48 hours from my original complaint to hear from their fraud department. It has been much longer than that already so I asked them to connect me to the fraud department. She stated they only had an email address, no phone number on file for the fraud dept. So I'm left waiting with no resolution... this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSWORLD SYSTEMS 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:
I am a victim of extreme identity theft reported, numerous times. 
A XXXX XXXX card was fraudulently opened under my identity. 
I have In multiple occasions tried to contact XXXXXXXX XXXX  to resolve this issue. 
I have been rerouted around and ignored, concerning this matter. 
This credit card was reported as bankruptcy, months prior to my attempt to file bankruptcy. 
I have public records and credit reports, reporting this fraudulent activity that is not mine. 
I was told I had know identity theft and that it was my card and my bankruptcy claim. 
This has ruined my financial wellbeing and and helped to enhance the already legal turmoil, I am enduring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX center ignoring/not resolving/not providing updates as to updated their errors made regarding student loan forgiveness. Not completing required tasks on their end to ensure the loan forgiveness was processed correctly and accurately. 
Mohela ignoring/not resolving/not providing updates as to updated their errors made regarding student loan forgiveness. Not completing required tasks on their end to ensure the loan forgiveness was processed correctly and accurately. 
I have filed complaints, requested " escalation to ombudsman '' as I was informed to do. I submitted documentation as requested within time frames required. I have called both Mohela and XXXX XXXX multiple times with no success. Requests not completed entirely to refund all payments made during the covid pandemic forbearance as requested. I continue to be told to be patient and " give it time '' when I have had to take time away from work and have taken hours upon hours to follow up and attempt to get these issues resolved. The escalate to ombudsman did not even work, so no advocate to help. I sent them an email a month ago, still no response. They were supposed to follow up with me as they were investigating and I have yet to have anything other than we are still working on it and that was on XX/XX/XXXX that they were still waiting and would update in 15 days and they have not. I am constantly sent back and forth between both entities, being told different tasks to complete and complete them as requested with no success. These issues are all over someone not doing their job and counting what was submitted as requested in to my payment counts for student loan forgiveness and forgiving the loan and " canceling '' the updated PSLF application that was submitted as requested in XX/XX/XXXXXXXX XXXX  ( yes, a year ago ) and approving the documentation I was told to submit, but not processing that documentation to correct payment counts to include several years of qualifying payments, which result in my loans meeting qualifications much earlier than were counted, which I am owed a significant amount of money, several years worth as well as refunds for payments made during the COVID pandemic since I only received XXXX of those payments. I have large amounts of letters/dates/times/conversation notes as well as letters/emails/correspondence from Mohela and XXXX XXXX that can be provided, but there is so much it is unable to be uploaded in area provided on site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation