BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/2022 following the opening of the student XXXX XXXX application, I requested a refund from my loan servicer, Nelnet, amounting to {$20000.00} for payments made on my loans during the XXXX pandemic. 


I checked in regularly on the status of my request for a refund, and at the end of XXXX, it was approved and a balance was restored to my Nelnet account. 


I waiting for a month to receive a XXXX for my refund and received nothing, and did not get a notice that a XXXX had been issued. I called back in XXXX, to which Nelnet said they were checking into the issue. 


On XX/XX/XXXX, I called back and noted that I had not received any follow-up, and more over had not received the refund I was owed. With the customer service team, we decided to place a hold on that check and re-issue the refund, noting that this had been in process for XXXX  months after approval at this point. 


In speaking with the representative, they noted that this would put me at the bottom of the list of refund applications, and I would have to start the process all over. I argued with them and filed a complaint with the company. I was told at this point that I should receive a check in XXXX weeks as they were prioritizing issue resolution. 


When I asked for confirmation that this complaint has been submitted, Nelnet proceeded to promptly email me the private information of another borrower, including their name and loan amounts. I promptly reported this, to which they had me delete the information, but gave no further update on the status of my complaint. 


Following this, I heard nothing from them, and called back again at the end of XXXX, to which the representative I spoke with reiterated that my refund application had been sent to the bottom of the stack, and that they were currently experiencing a processing delay of XXXX months, and that I should receive my refund in XXXX or XXXX. She also confirmed that they would follow up with me every XXXX weeks to update on the status. 


This follow-up occurred throughout XXXX, XXXX and XXXX, but I have not heard from them in XXXX, it is now XXXX, and we are XXXX  months post when my refund was approved, and I am still awaiting my XXXX for thousands of dollars, and the balance has been restored to my account. 


In this time, I have lost out on hundreds, if not thousands, of dollars in interest at this point. In addition, should the loan repayment begin again before my refund is received, I am concerned that I will now owe more than I did initially. I am VERY frustrated, and feel as though I am being gaslit and have been gaslit by Nelnet for almost XXXX months, knowing that if I were this late on my payments, I would face serious consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score doesnt match my credit history. I am a responsible consumer with no late payments, no derogatory marks and no late payments in at least 6 years yet my credit score never gets above XXXX for a mortgage. I several types of open accounts, all in very good standing. When an inquiry is made companies are being told that Delinquency or derogatory status on accounts is to recent, not enough balance paid down overtime on first mortgage accounts, not enough available credit on revolving accounts. All of these make me seem like I should have a bad credit history but I do not and when I call to resolve the issue. I am simply told that it is computer algorithm. This issue has been going on for 10 years since I bought my house. Recently my credit on one of my credit cards was decreased by over {$4000.00} because of this type of information that are inaccurately being reported during an inquiry. Currently Im using about 50 % of my credit due to Covid. I dont see how that XXXX race my previous credit history. I did not work for six months and had to live off of my credit cards when I was laid off for Covid and still never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
IRT CFPB Complaint # XXXX. CONTINUED DISCRIMINATION & BIAS. 

On Thursday XX/XX/2022 and again on SATURDAY XX/XX/2022 at approximately XXXX PM, I received notification that Navy Federal sent concerning revised loan documents that required my signature. These documents and the message was sent from my new loan officer, XXXX XXXX. These documents also contained some information that has never been discussed with or between myself, XXXX XXXX, or even the former loan officer XXXX. Additionally, I have no idea who Ms.Biles is, I have never spoken to her, I have never been told to expect a phone call or an email from her, and I have no idea why Navy Federal is deciding to forward yet again 100+ pages of documents to me without having anyone contact me to at least explain what it is theyre sending or include what has been discussed in the documents. Under no circumstances should Navy Federal be filling out documents on my behalf without first speaking to me.

But what struck me as most interesting, is that these documents had an increased rate ( that is not advertised anywhere on the Navy Federal Credit Union site ) for the loan itself. In an effort to continue to cover up their previous perceived discrimination, it appears NCFU is applying a rate increase to my application. Again, THEY filled out the application without discussing or disclosing with me ANYTHING to include a rate increase prior to forwarding to me to sign. We could try to attribute this increase due to the conference held by the Federal Reserve, but with these rates being very different than what is advertised on their website, yet the previous rate was not, I find this to be another only highly suspicious but a continuation of previous biases. Again, I do not accept that a company of this size, that has outstanding customer service in so many other areas, continues to have subpar customer service in this one department and it reaches the span of almost every employee. 

As NFCU continues to look into this matter, hopefully we can gain insight as to what happened here and why customers, namely me, are attempted to be gouged and penalized for a mistake THEY made if this is truly not a continuation of discrimination. 

Lastly, in an effort to actually be done with this situation, one way or another, XXXX XXXX was forwarded the same resolution standards previously sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Chime Financial 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:
On XX/XX/XXXX I saw 2 transactions on my Chime account. I immediately called and filed a dispute with them and before I hung up they had sent me a denial. I did put in 4 rebuttals that were denied as well. I did my own foot work and called the people on the list one was XXXX XXXX and the other was XXXX XXXX XXXX  both companies stated that the bill for someone's account was paid for it with my card it totaled {$240.00}. I just want time to reimburse me for what they took from me but they refuse to do it. In calling and finding out what happened my debit pin number was not used it was just the car the information off my card I would like my money refunded as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
Bank of America issued my estranged husband a credit card. The credit card for some reason is also in my name ( I never applied for a credit card with them ). My estranged husband did not make the last months payments and it went on my credit report. This is not my debt!!! I did not authorize this card and I never used it! I dont even have a Bank of America credit card in my possession. I want it off my credit. Im being held responsible for his debt!!!!!

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 2019-07-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got divorced XX/XX/XXXX. I was awarded the house in the divorce and immediately started the process to assume the mortgage with our lender, Chase, to remove my ex-husband 's name fro the loan. After a lengthy process, this was finalized in XX/XX/XXXX. A few weeks ago, I received a letter in the mail from XXXX XXXX stating that they had purchased my loan from Chase but Chase would remain as the servicer of the loan. This letter from XXXX XXXX has both my name as well as my ex-husband 's name on it. Concerned, I called Chase Mortgage on XX/XX/XXXX and was told that according to their records, I am the only owner. However, we called XXXX XXXX and they verified that their record lists two owners on the loan ( both me and my ex-husband ). I went into a local Chase Mortgage branch office ( XXXX XXXX XXXX XXXX XXXX ) the next day and spoke with an associate named XXXX and a manager named XXXX. They called into their mortgage department and was told that the issue was that my ex-husband 's name was still listed on the deed. They weren't sure why this wasn't dealt with when I assumed the loan, but that in order to fix it, I would need to fax a letter to Chase Mortgage, asking the to remove his name from the deed and then contact XXXX XXXX to get this corrected on the loan. I did this same day at their branch location and was promised a call back on Monday from XXXX. I received no call back so I called again on Tuesday. I have made many calls to XXXX at the branch office as well as the Chase Mortgage Executive Office ( where I was told me case was being handled ). XXXX isn't returning my calls and each time I call the Chase Mortgage executive office, I am told that the case manager assigned to my case, named XXXX, is not available but they will put in a callback request. I never get a call back. I've been given a case number of XXXX. In the meantime, I have gone online to the website for the XXXX County Clerks Office and located the request to have my ex-husband 's name from the deed, filed on the day of my divorce, XX/XX/XXXX. And now I remember my lawyer walking me to the clerk 's window to file this document and pay the fee on that day. So Chase 's explanation of that being the source of the issue is completely false. The simple truth is that they screwed  up by sending old information to XXXX XXXX when selling my mortgage to them and now they refuse to return my calls or make this right. I'm very concerned that this will cause major issues should I ever decide to sell the house and if I was to pass away, the bank would see my ex-husband as the owner of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I filed a complaint against Transunion for the fact that they are not allowing me to view or access my credit report, and that this problem has been ongoing for close to 18 months now. Transunion deliberately takes XXXX and then does nothing. That report with the CFPB was filed recently. This was complaint ID XXXX. Right after I filed my report, Transunion dropped my XXXX XXXX by XXXX points in clear retaliation. I am requesting help from the CFPB against this predatory and unlawful company, these issues can not continue any longer. This is in addition to the issues I have faced from them. This is clear retaliation for the fact that I raised concerns against this company, and at this point I am asking the CFPB to assist me directly. They are now taking adverse actions against citizens credit reports in retaliation for any complaints or concerns raised. I noticed that the CFPB has brought several lawsuits against this company for their unethical and illegal behavior. They are now retaliating against XXXX citizens who raise concerns against them with the CFPB. Their retaliatory behavior must be looked into. This illegal and unethical behavior can not be allowed to continue.

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 2020-03-20
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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: EQUIFAX, INC.
State: TX
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:
I have alot of financing on my account that I never seen are heard of and most them are out state and I'm in XXXX and the only bank I had was XXXX XXXX and XXXX XXXX XXXX XXXX.... and on my credit report it's an bank call XXXX I never gotten card are talk to anybody now I lost my ID 3 times someone must had to use my identity but me personally none of that I never heard of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: TX
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 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 a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

As a consumer by the law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and or deleting the accounts listed in my disputes.

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 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, MY NAME IS XXXX XXXX XXXX I have made several attempts to try to dispute these items with all 3 major credit bureaus with no luck of getting them remove off my credit report. 

The following company I requested that all 3 major credit bureaus removed and deleted are : XXXX XXXXXXXX XXXX : MY ISSUES ARE MY NAME, ADDRESS IS WRONG ON THAT ACCOUNT, ON XXXX ACCOUNT REPORTED WITH 72 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON EQUIFAX THE SAME ACCOUNT REPORTED 92 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED MISSED PAYMENTS FOR XX/XX/20 WHILE REPORTED THE SAME PAYMENT ON TIME ON EQUIFAX. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  : ACCOUNT NOT MINE USED WRONG NAME AND ADDRESS THAT DOESN'T BELONG TO ME. 

XXXX : NOT MY ACCOUNT, MY NAME AND ADRRESS ARE WRONG AND THEY HAVE XXXX DRIFFERENT ACCOUNTS ON ALL XXXX MAJOR CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG PLEASE PROOF OF MY NAME. 

XXXX XXXX XXXX XXXX  : THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have federal student loans with Edfinancial. 
At the end of the school year in 2023 after completing my XXXX year in a XXXX XXXX XXXX, I put in my XXXX loan forgiveness application into Edfinancial with all of the appropriate paperwork with signatures proving my years of service at the XXXX XXXX XXXX In XXXX I got a notification from Edfinancial that my application was denied because XXXX of the schools I worked at was not on the list for low income schools. I checked the list after getting this denial and saw that my school was on the list but there was an error on the cover page that said XXXX XXXXXXXX XXXX XXXX  XXXX XXXX instead of XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX. The page that had to be signed by the HR department to prove I worked at the XXXX had the correct XXXXXXXX name listed on his paperwork that was included in the papers given with the application. I called Edfinancial Customer Service and told them what must have happened with the mistake and a claim was put forward. I was told by Edinancial Customer Service that they would reach out to me with information about the claim and the status and that it would take a while for it to process. I never had any email notice or letter in the mail about the status of the claim. 
This past weekend I was going through my exit loan process for my XXXX XXXX and saw that I had interest accruing on my loans. I had a forbearance put on my XXXX loan so that It would not accrue interest until it was paid off with the XXXX  forgiveness loan. 
I reached back out to Edfinancial and was on the phone with them for an hour and twenty minutes. I found out that the claim from XXXX was denied and they never reached out to me or sent me a letter giving me information. The customer service rep that i spoke to said he talked to several people in the office that agreed that the application should have gone through. I was told to resubmit my paperwork. The problem I have is that I have done everything I should have done to get this approved. I do not believe that I did anything wrong with my paperwork. Edfinancial has made this process ridiculously hard and I do not trust that they will do or have done what they are supposed to do with the application process. I believe that a third party will need to take part in order for this to be looked at again and for it to be processed correctly! Please help me with finalizing this.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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, # XXXX, XXXX, 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 instructions

Company response to consumer: Closed with explanation