BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have applied for XXXX  's XXXX XXXX XXXX  XXXX Discharge through Nelnet, which " assists the U.S. Department of Education ( called 'the Department ' throughout this site ) in administering the XXXX XXXX XXXX XXXX ( XXXX ) discharge process. '' I have been deemed eligible ; however, there is a catch. There is a three year ( 3-year ) post-discharge monitoring period from the date the discharge is approved. Why so long? Why does the discharge go into effect immediately as most financial institutions would do? 

The monitoring period is unethical and unfair to people with XXXX trying to manage a daily life. The monitoring period hovers over my credit report for three years. Also, I am expected to earn no more than {$12000.00} per year in the State of Florida. 

This is well below the poverty line, unethical and unjust to expect an individual, human being to have some type of life on {$12000.00} per year. What about food, rent, gas, transportation, medical, XXXX, automobile insurance, etc.? I believe XXXX and/or NelNet should update their policies to reflect anyone deemed eligible for XXXX should have their student loans waived outright from the date of approval. 

It is unjust, unfair, unethical and stressful to allow these types of financial abuses to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In late XX/XX/XXXX and early XX/XX/2018, 4 fraudulent withdrawals were made from my bank account ( s ) with Bank of America. These transactions were : {$900.00} Cash Withdrawal in  XXXX XXXX, CA on XX/XX/2018. A Fraudulent check for {$2300.00}, returned on XX/XX/2018. A fraudulent check for {$2200.00}, returned on XX/XX/2018. A fraudulent check for {$2100.00}, returned on XX/XX/05. 

Upon first noticing the fraud on XX/XX/2018, I contacted Bank of America, and they closed my then-current account to open a new one. In subsequent days, the additional fraudulent transactions listed above came in - including one in the NEWLY OPENED bank account, for which I hadnt yet received a Debit Card or PIN ( because the representative forgot to send it to me, which was indicative of my entire experience with Bank of America throughout this long process ). This means that, despite my account being locked and a fraud alert being placed upon it, a teller at some branch allowed additional fraudulent activity to take place.

The fraud department has told me that an investigation will take 60 business days to complete. In the meantime, my entire bank accounts balance is locked to me. Bank of America refused to issue me a credit, stating that these transactions would require my PIN number - something that I have never told anybody, but which could have been stolen in any manner of ways.

I have filed a police report regarding this issue, but this has not sped up the process whatsoever.

The fraudulent checks have a signature on them that purports to be mine, but is not my signature. Bank of America knows what my signature looks like, and chose not to verify it when cashing these checks. In addition, these checks were for a far higher balance than any normal transaction in my bank account. They failed to do their due diligence, and expect me to suffer while they take their time.

Bank of America constantly talks about how they protect the consumer from fraud, but when I needed their help after being a customer for 10 years, they told me that I just had to wait while they took their time to conduct an investigation. I am tired of waiting. I have received no new information for over two months, and I want action on this immediately.

They have even started sending me emails stating that I owe them money due to these fraudulent transactions.

When all the fraud is removed from my bank account, I should have a balance of {$950.00}. I want this money returned to me without delay.

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 monetary relief
Consumer complaint received 2021-08-21
Company: ALLY FINANCIAL INC.
State: WA
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:
On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and Experian has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the Western District of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties. 

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).

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 2023-08-05
Company: EQUIFAX, INC.
State: NY
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 Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, Account number XXXX  Account name : XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 non-monetary relief
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I checked my Po Box and there was a debit card in there from Citibank. I contacted them immediately to figure out what was going on. I told them I had never had any deals whatsoever with Citibank and most definitely never opened a checking account with them. When I called I found out that there was {$660.00} in the account. I was told that they had the account closed down and to contact the ID theft department but they were closed that day for the holiday but if they needed anything they would reach out to me. All I was told about the account is that it was opened online. And that they had been seeing a lot of fraud accounts where people were opening fake accounts and having the unemployment funds put into the account. They would not tell me where the funds came from. Today XX/XX/XXXX I again checked my Po Box and there were checks for the account. I called the ID Theft number they had given me and they were even more unhelpful then the first time I called. I have had to place a freeze on all three of my credit bureaus because of all of this. I have asked to file multiple complaints with no one seeming to take this seriously.

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 2023-08-05
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is reporting negatively on my consumer report and I have no knowledge of it. I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am stressed out that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish officially. I am a victim of identity theft as I do not recognize those items in my credit report. Its very hurting when I see accounts that I do not recognize in my report and unfortunately, I am forced to write letters and complain. Please check them all and investigate and delete them forever as I have never signed any documents with them, and never authorize them.

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 2023-11-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a XXXX on or about XX/XX/, I had to go on FMLA leave from my employer due to my untimely health event. While you are on FMLA you do not earn your paycheck but your job is secured. I phoned Credit Acceptance requesting a difference and or any way they could assist. I was vehemently denied any assistance on my monthly payments, and told they don't offer those programs. I began working again on XX/XX/, however, I was demoted, and reduced to part time, with restricted hours, which is already being addressed by my attorney and employer. I have been making payments on my vehicle on a bi-weekly basis, attempting to " catch up ''. I have received 8 to 10 phone calls daily from credit acceptance, some after XXXX XXXX. These are threatening phone calls, and excessive. This is not helping my recovery, but instead is causing undue stress to my health conditions. I have requested intermittent FMLA from my employer as other health conditions have been exposed by the initial health event. I do not need or invite their continued harassments when I have been attempting to get caught up on my finance loan. These business practices should be investigated.

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 monetary relief
Consumer complaint received 2020-08-10
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The first I herd about this debt was XX/XX/20 I called and tried to work with them, I never heard back from them until XX/XX/20, Once again I tried to work with them I first spoke to a XXXX XXXX at MCM he gave me the option to pay today or send my account to an attorney XX/XX/20 I explained to him one day is not a reasonable time to give someone to pay a lump sum or be sued without notice. XXXX advised my they received my account XX/XX/20 and it was going to an attorney XX/XX/20. I spoke to his Manager XXXX XXXX who was very rude and unprofessional asking me personal questions that had nothing to do with the account, he then stated he was sending my account to an attorney tomorrow because I'm refusing to pay, I explained to him i was not refusing to pay on an recorded line he stated i was, I just don't understand how you can threaten to sue someone without proper notice. I'm sure this has to be in some kind of violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting 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:
CAPITAL ONE Inquiry : XX/XX/2023 CAPITAL ONE Inquiry : XX/XX/2023 I have also submitted FTC report.

FTC Report Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America is reporting a charged-off credit card balance on my credit report for {$4800.00}, however this account does not belong to me. A long time ago, I may have been an authorized user on this account, but I have not been one for quite some time now. I have notified XX/XX/XXXXof this fact multiple times over the last couple of months. This account does not belong to me, and I am not responsible for the repayment of this debt. And futhermore, again, I am not an authorized user on this account, and it should not be on my XX/XX/XXXX credit report. I demand that this account be deleted from my credit profile immediately.

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 2020-01-27
Company: Experian Information Solutions Inc.
State: AL
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 filed a report with Experian, XXXX, and XXXX  of inaccurate items being reported on my credit reports. Experian and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2023-11-21
Company: MOHELA
State: WI
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:
I have enrolled all three of my loans in auto debit. My payment of XXXX should be withdrawn on the XXXX of each month. For XXXX it still hasnt been withdrawn and Im now showing past due. I should also be getting a .25 % interest rate reduction which Im not. 
In addition I submitted my yearly PSLF paperwork XXXX and have not received any updates. 
How many times do people have to continue to complain about this incompetent company before we get some kind of help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: BLINCLOANS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a consolidation loan with XXXX XXXX XXXX XXXX they gave me a draft check. I tried to call and email. I made numerous attempts attempts to communicate they blocked my phone number.XXXX XXXX received my check but they said couldnt accept my payment because of the name.On the website and credit it is listed as One Blinc they are telling me Blinc loans now. I dont believe I should have to pay One Blinc because lack of communication and they causing undue stress try to XXXX XXXX will not reissue the payment since it is not listed properly on website or credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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 am writing this letter in order to inform you officially about identity theft. I had a good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. I do not recognize these accounts in my credit report now. The fact that numerous accounts are suddenly on my credit should make it obvious that these accounts are not mine and never were. Please remove these accounts 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