BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Nelnet, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed all accounts with student loan servicer Nelnet. All of these loans were paid in XX/XX/XXXX and are now being serviced by XXXX. The accounts were closed/removed from my report and then added back. I disputed all Nelnet accounts on XX/XX/XXXX and again on XX/XX/XXXX. I called Nelnet and was told that they could not send a letter but I could print a mortgage statement off line. Then was told maybe a supervisor has access to send the info but no letter was ever sent. I have checked for weeks and the online account will not allow me to open any documents. I have also complained about that issue. I saved the mortgage statement screen as a PDF and uploaded it to experian. It shows I have no loan balances with Nelnet. Both servicers Nelnet XXXX XXXX are now on my report with the exact same accounts and loan amounts making my debt to income much higher than it should be as well as causing my score to decrease which has caused a negative reflection on me when trying to make certain types of purchases. This is causing me stress, anxiety, wasted time and money when clearly Nelnet has no proof of current existing loans. The updates dont go past XX/XX/XXXX as they no longer service my loans and have been paid in full. XXXX will not remove even with proof and numerous calls and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific record in my document coming about because of the wrongdoing of EXPERIAN. The record I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Pursuant to Section 605B of the Fair Credit Reporting Act Experian is required by law to remove account XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} which is found to be opened due to identity theft.

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 2023-11-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My son was scammed and the scammer somehow gained access to my account. We in no way provided my account information. The fake checks aren't even signed as required by USAA. They took the money for the checks and the amount my son sent back, thinking he was doing a bank verification. The company represented themselves as XXXX XXXX. He is young and didn't know what he was doing. Once I learned of this... I stopped it and notified USAA. USAA says they have 0 % liability ... ..but they are saying my son made the checks. I know this to be untrue ... .he didn't make any checks. USAA is saying they checks were deposited at XXXXXXXX XXXX XXXX XXXX. I found out this is also untrue as that address does not exist. I feel USAA is making this up so they don't have to cover the loss ... USAA has frozen all my accounts and any accounts associated with me. This is totally unacceptable. USAA needs to be held to their policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a HSBC Premier Checking account. Yesterday on XX/XX/XXXX, I made a Real-time Transfer of {$60.00} from my HSBC Premier Checking account to my XXXX XXXX  Savings account. Since this was a Real-time Transfer, it should be received by my XXXX XXXX Savings account instantly. However, when I checked my XXXX XXXX account, this {$60.00} transfer was not received at all. Then I called XXXX XXXX and was told by XXXX XXXX representative that they didn't receive this {$60.00} transfer from HSBC at all. However, this {$60.00} has been already deducted from my HSBC Premier Checking account and the transfer status on HSBC end shows successful.

Apparently HSBC deducted this {$60.00} from my HSBC checking account but didn't send this {$60.00} to my XXXX Savings account at all. HSBC illegally stole this {$60.00} from my HSBC Checking account now.

I request HSBC to IMMEDIATELY either send this {$60.00} to my XXXX XXXX  Savings account instantly or post this {$60.00} back to my HSBC Checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Everything I am writing about is noted in my call logs with the company. 

To whom it may concern, I am writing in regards to my Citi Simplicity card I was on the phone with XXXX from Kentucky, an accounts supervisor. My issue couldn't be resolved by her. She also stated that she was the highest person that I could talk to on the phone and told me to write in. 

So with that being said, my issue is this. 

On XX/XX/XXXX I made a payment in the amount of XXXX . Well at least i thought i did, turns out it was for XXXX . An obvious mistake. 

On XX/XX/XXXX my account was apparently reviewed and determined to be a risk due to a late payment from another creditor reported on my XXXX  credit report. With this review, my credit limit was reduced by approximately XXXX . All of which I was not currently aware of. 

On XX/XX/XXXX I had realized from my bank statement that I had made an error in payment and called quickly to rectify the situation. I had talked to another account specialist and asked for the change to be made explaining that it was meant to be XXXX $ NOT XXXX $ and if I could get the XXXX $ returned. I was assured I would be and to give it a few days. 

No problems, right? 

After waiting patiently for over a week, I called back in to find out the status of my refund. I was told it was still under review and to check back. So I did, almost 2 weeks from initially being told I would be refunded I called back in yet again. I spoke to an account specialist who noted that apparently it wasn't refunded because they had the wrong account number. Now this I find odd since I have autopay set up with this account and have been making payments from the same account since I opened the card. But i accepted the answer and 2 days later i finally got my refund of XXXX $ Everything should be good now right? 

No. 

My issue is this, my credit limit was reduced, one day after a mistaken payment, that was realized and and reported 2 days after the payment. 

I was not notified of the decrease in credit, before I had made the appropriate steps to reconcile the mistaken payment. 

So now my credit limit is approximately XXXX $ lower then my balance. 

Illegally. 

You can not decrease my credit limit below my balance. Which it currently is.

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 2023-11-22
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
The original loan was with XXXX XXXX XXXX XX/XX/XXXX they transfer the loan to Newrez LLC. I received a past due Tax bill {$6100.00} from XXXX XXXX. I called Newrez and told them I received the tax bill. They asked me fax the bill to them. Then I received the mortgage statement increases {$3700.00}. The regular bill was, {$2600.00}. 
Then I called XXXX XXXX and checked with them about my annual bill only {$4900.00}. The bank did not pay my bill since XX/XX/XXXX. XXXX XXXX add interest {$1200.00}. 
The collect the escrow with mortgage but they didn't pay my tax. 
Now the bank clears my currant tax balances. 
From XX/XX/XXXX I will pay my taxes and insurances. The can collect from me only the loan and interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX Balance : {$12000.00XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-01-26
Company: EQUIFAX, INC.
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:
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. 

Account name :, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID Financial hardship, on or about XX/XX/XXXX, I applied and was approved by PHH for a 180 day forbearance as provided by the CARES ACT. I have attached a copy of PHH website page which contained the forbearance option along with the form. 
Still having financial hardship due to COVID and under the CARES ACT, I submitted an 180 days forbearance extension to which PHH denied my extension request - without any detailed written explanation as called out by Tenant, Homeowner & Small Landlord Relief and Stabilization Act of XXXX ( AB 3088 ) nor was I given my right to an appeal of said denial as called out by AB 3088. Instead I was thrown into a foreclosure trustee 's sale date of XX/XX/XXXX - the most darkest time of pandemic. PHH 's action will cause me and my family irreparable harm as if XX/XX/XXXX happens we will be homeless and exposed a to COVID related hospitalization and possible death. 

Pursuant to the extended California Homeowners Bill of Rights, I was never by PHH contacted to discuss possible foreclosure alternatives. 

PHH has continued to act above the law and trample by legal rights as a homeowner. In addition to the above listed unlawful activities, PHH as also violated state law and committed unfair and deceptive practices by charging me for unnecessary fees and overpriced force placed property insurance. Charging inflated and duplicative fees and not responding to fee disputes and/or a written accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
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:
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. 

Account name :, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 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 2023-05-05
Company: EQUIFAX, INC.
State: WI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recieved a letter from I.C. Systems Inc. claiming to be a collection agency XX/XX/XXXX. I never owed XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX ) XX/XX/XXXX as claimed. I went to the gym to start a membership however they charged my credit card without my knowledge, I disputed with my credit card and the charge was removed. I never recieved any other information regarding this transaction and never went back to the gym. This is a fradulent claim that I owe {$530.00}. The owner of the gym is dishonest trying to take advantage of people looking into gym meberships.

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 2023-11-22
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have found several complaints several disputes rebuttal with chime Bank in regards to a dispute totaling an amount of {$290.00} I have provided them all of the documentation they have asked for and they keep denying and their basis is unfounded so I've been asking them to just give me my refund {$290.00} and close my account it is very frustrating and it's the holidays and I just want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Chime Financial Inc
State: PA
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:
On XX/XX/2020, someone through XXXX  made {$5.00} transactions up tot the tune of {$920.00} from my chime bank account. I noticed as it was happening because I was checking my bank account balance at the time and quickly blocked the debit card. I then disputed the transactions immediately. The bank initially gave me the money and then 3 weeks after took the money back citing it was a correct transaction after their investigations. I disputed that and asked for the documentation they used to determine that and what they sent me had nothing to do with the transactions I had disputed. They basically told me I have made certain transactions using cashapp and that was that and I never disputed those transactions except those various {$5.00} transactions to the tune of {$920.00}. 
I have since gone back and forth with chime bank for almost 9 to 10 months now and I still do not have my money. I made a police report at the time it happend and all that. I believe chime bank has acted very very carelessly and extremely unprofessionally in resolving this issue because I provided them with every information, yet every decision they made was based on something f I never disputed and ignored what I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Synovus Bank
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: Account information incorrect

Complaint:
On XX/XX/2020 I sent certified letters of dispute to all 3 credit bureaus in reference to my accounts being reported differently to all three bureaus on several accounts. I included screenshots showing evidence of this. Rather than them deleting these accounts that were reported wrong, I got responses such as remains or updated. How could you simply " update '' something that was reported wrong in multiple places? If they were all different, who is to say which is correct? It doesn't seem right. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
6 accounts from wakefield associates are reporting repeatedly on my credit report unknowingly and fraudulently..I reached out to see if the company can provide proof of this instead more late payments just getting piled up and its destroying my life and future I really need it removed and they won't honor the fair credit act. The burden of proof I 's not on me and they are neglecting that fact without writing my team back on the situation. I CANT EAT A BOWL A SOAP ON CREDIT DUE TO THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I an currently in a transaction to close on a commercial property. I have recently ( XX/XX/XXXX ) requested for several paid off or closed accounts to be removed from my credit report. OnXX/XX/XXXX I checked my credit report with Transunion and XXXX and my Transunion Report showed XXXX scoring while XXXX showed XXXX. Once the request to remove the closed accounts came back showing a XXXX balance but changing the late days from 180 days to 120 days my score on XX/XX/XXXX went down to ( Transunion XXXX and XXXX   XXXX ). Once I discovered this detrimental drop I contacted both bureaus and the Supervisor of Consumer Relations and Fraud department - XXXX from Transunion in XXXX says they can not tell what has changed the score and would not help me discover nor correct the issue. The rep before her even went on to say that she saw that my " XXXX XXXX XXXX account was not charged off but was at a " XXXX '' balance. They both well confirmed that they could see that the said " XXXX XXXX XXXX account as well as the XXXX account for student loans had been paid off since XXXX but was reporting on my credit report. 
XXXX ( Rep ID of XXXX ) the Dispute Dpt. Supervisor asked me to verify all of my information such as ( SSN, Name, Address, D.O.B ) and once I verified my information correctly went on to say that she would not help me unless I sent in my photo ID and SS Card by fax and they would not retrieve the information for another 5 business days. The rep before her ( XXXX ) asked for the same info then asked me questions then stated I was not able to answer his questions before I asked to speak to a supervisor. Due to the negligence of both bureaus I have not gotten any further in my quest to correct any incorrect reporting and redeem my credit score therefore this issue may cause me to lose the opportunity to close on my commercial property and leave me no choice but to sue. Please help me rectify this issue with both bureaus.

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