BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: ALLY FINANCIAL INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I spoke with XXXX, a floor supervisor for Ally Bank. She stated that Ally does not have an opt in/opt out feature for overdrafting your account. As a consumer, we have the right to not allow our accounts to overdraft. Because of this lack of oversight, I have received {$350.00} in overdraft fees since XX/XX/XXXX. When I asked for them to be refunded, I was told the best they could do would be to refund {$100.00}. Because I wasn't given the option to opt out of overdraft, as per the requirement stated in 1005.17 ( b ), those fees should be invalid. Ally had stated that the program that allows you to cover overdrafts via another account was sufficient, but according to 1005.17 ( a ) ( 2 ), the term overdraft service does not include any payment of overdrafts pursuant to : A service that transfers funds from another account held individually or jointly by a consumer, such as a savings account. Due to this oversight, the following overdraft fees should be credited back to my account, as well as any customer that has incurred such fees/possible punitive damages in order to deter future oversight : {$25.00} XX/XX/XXXX {$25.00} XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} 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 explanation
Consumer complaint received 2023-10-29
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Nelnet Employees ( Men and/or Women ) It is against the law for employees to abuse securities instruments and misuse entrusted property to create fictitious debts, sold those debts to other companies only to come back stating that the Grantor and Sole beneficiary of the estate owes that company who bought the debt. 

Employees do not have a written agreement signed by myself where every alive and living in the creation of God Almighty Creator were present. Employed at Nelnet werent given written consent or authorization by me to report, false and inaccurate information to consumer reporting agencies so they can profit from doing so. I have the proof that the information is inaccurate and is not true, otherwise these employees must admit or deny whats listed in this audit. 

Payments for the accounts, the terms and whether or not the account is current : Credit Reports are made up reports containing security backed instruments that are sold for profit and gain. 

Non of the payments amounts are the same and does not add up. Employee at consumer reporting agencies are stating that the payments are paid up as so called agreed but theres still debts listed with terms of 300 months for {$0.00} a month. This would proof of having 300 months for these employees to benefit off my sweat equity while I suffer financially and are literally being plundered as well as stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX. 
XXXX I have reached XXXXXXXX XXXX XXXX dept and all 3 credits bureau to remove the delinquent filed by XXXX XXXX XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, XXXX XXXX purchased XXXXXXXX XXXX XXXXXXXX Credit Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account XXXXXXXX XXXX XXXXXXXX in full and had no issued. 

I was told by XXXX XXXX customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
XXXX XXXX did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted XXXX XXXX and paid the amount due on XX/XX/XXXX. XXXX XXXX file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. XXXX XXXX report is incorrect as there was no balance due on my XXXXXXXX XXXX XXXXXXXX account. XXXX XXXX added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of XXXX XXXX my credit has been tarnished for seven years.

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 2021-12-27
Company: VW Credit
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 was not able to extend my credit to myself for personal use. I have not been able to live. Its been a hassle with all of these fraud errors on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2019-03-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I switched from XXXX to FedLoans in XX/XX/XXXX. I was told to make regular payments during the transition to avoid any delay in payment. During that time I was put on an administrative forbearance that spanned two payment cycles ( XX/XX/XXXX-XX/XX/XXXX, XXXX ). This was a forbearance that I was not made aware of until XX/XX/XXXX when I realized my PSLF qualifying payment count was wrong and that I was in pay ahead status. In the past, when I needed to go on forbearance ( with XXXX ) I was given paperwork stating I was in forbearance, but I never received such paperwork from FedLoans. I called FedLoans multiple times and spoke to multiple managers regarding this. They offered to shorted my administrative forbearance in order to make my XX/XX/XXXX payment would count. I received multiple letters stating my administrative forbearance period was changed. 

My questions are : If my administrative forbearance was shortened, why did my XX/XX/XXXX payment not count towards my total qualifying payments? If this was not the proper solution to my issue, why did a FedLoans Manager offer to do such and state that this should fix the problem? 
Why was I put on an administrative forbearance but told to make payments during that time? Why did FedLoans collect over {$6000.00} in capitalized interest on a forbearance that I did not want? Why do I not have paperwork agreeing to this forbearance or stating the forbearance period ( prior to XX/XX/XXXX )? 
Why arent borrowers informed that any payment made during a forbearance period would not count towards your qualifying payments in PSLF? If they are informed of this ; was this a policy that was in place in XX/XX/XXXX ( when I was put in forbearance )? 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my checking account since XX/XX/2023. I have messaged twice and was told it had to be done by call. I have called XXXX times and was told it would be closed. Yet here we are and its still open.

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 2023-11-17
Company: Carter-Young, Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
After reviewing my credit report thoroughly I noticed an account I don't recognize so i reached reached out directly to the creditor on my consumer report. 

On XX/XX/2023 I sent a dispute letter to Cater young INC Concerning account number # XXXX. The Letter was sent to Cater young and on The XXXX and picked up on the XXXX at XXXX. Carter young did not respond at all regarding my dispute with them. 

On XXXX I gave them another chance to respond. I sent out another dispute letter regarding account Carter Young INC account number # XXXXand requested the validly of the account. Sadly again they did not respond with-in the mandated time frame 30-45 days Set by FCRA. again. Obviously this company dose not have the substantial proof they need to tie this financial bind to me. According the FCRA this item MUST be removed from my consumer report. 

A. I have attached my dispute letter concerning this matter B. I have attached my Tracking numbers/ and Tracking updates for this matter 1.Tracking number for the first dispute letter # XXXX 2. Tracking number for the second dispute letter # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MT
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:
XXXX XXXX XXXX I have submitted income information for forebearance only work part time they keep declining to process my appluication saying uts a private lender which is a lie its federal loans XXXX subsizided and unsubsidizedloans this is my contact information XXXX XXXX this is negatively affecting my credit report and after 10 yrs my loan would be forgiven. Acct XXXX XXXX XXXX XXXX XXXX XXXX iowa XXXX I have several class action lawsuits I havent heard anything or compensation XXXX email XXXX yet I keep having my wallet and personal documents stolen every few months

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late payments - XXXX XXXX - XXXX XXXX XXXX Inquiries XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX TO XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX AUTO FIN XXXX. ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: CITIBANK, N.A.
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/19 had {$240000.00} wired into an account I set online. I have spent approximately 10 hours of phone calls and emails attempting to get access to the account. After several phone calls, I leaned that the first two XXXX verification documents I sent were rejected because they were in my first name and not the initials I used to set up the account. When I asked why I had not received any communication from them as to the problem, I was told they don't make those types of call. On XXXX, I uploaded another XXXX document that had my address and my name listed as initials and received a confirmation from bank that doc had been received. I just got off of another 45 minute call today ( XX/XX/XXXX ) and was told that the doc was never received and I should call again next week. I spoke with a supervisor who told me that she would have to check with another dept and get back with me but advised that Citibank might reject doc anyway ( because I recently moved and the bill did not include the last 30 days ). I told her that if that happened, I just wanted to get my money. Her response was to tell me that it could take 30 days for them to send me a check.-which would mean they would have had my money for 45 days for free. This is a pretty shady way for a bank to make its money and its money seems more criminal than just bad customer service.

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 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was displaced from my job during XXXX and entered into a Deferment. I have documented proof that my account was under Deferment with this company through XX/XX/2021. I even began making payments again prior to XX/XX/2021 up until I was served with a Demand Letter stating account was closed and I began trying to reach the bank directly. Bank charged off account XX/XX/2021 while under this Deferment. Attorney on behalf of company sent a demand letter for the RV while in the middle of Deferment. Account disappeared online XX/XX/2021 and I have been trying to reach a human to get this resolved ever since. All contacts at bank can not find account. No one is able to reinstate so that I can make payments. Attorney has filed a case and is demanding the RV, which I reside in. Bank corporate at account executive escalations will not work with me on this even though I have provided said documentation. Further, I was approved for XXXX  rental assistance ( this applies as this is my full time residence ) and since account was unfairly and unknowing to me, charged off, I have no idea if or how any funds were credited to account. Attorney on behalf of bank refuses to provide a direct contact person for me to try and resolve this. I prefer to amicably work this out rather than counterclaim, but no one will work with me. Perhaps there is a Class Action similar to the XXXX XXXX case regarding the mishandling of mortgages and vehicle loans during the pandemic? Please advise.

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 2021-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I had problems with Capital One before. I pay them {$25.00} a week for the past 10 years. I've noticed they have increase my my limit. They have been charging for over excessive amount in " late fees '' and " interest rate ''. Before, I I was paying good. I was unaware of my fees and increase in credit. I'm really tired of Capital One doing unethical things. They always try to go around my issues. I want them to remove the fees. I think they're reporting wrong on my credit report. If I don't get results, I will take this to a lawyer plus social media. This isn't right. I'm tired of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the XXXX XXXX XXXX as well as attach a copy of my credit report. 

XXXX : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance {$37000.00}.

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 2021-12-27
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collections company posted two different amounts owed, one for {$170.00} and another for {$700.00}, on two different credit bureaus and wont respond to me on providing proof, after they have been paid. Credit bureau wont remove after Ive disputed with on experience and transunion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion is reporting this account on my credit report. They have re-aged the date of last activity and is reporting the date of last activity as XX/XX/2021. under FCRA 605 ( C ) running of the period it is a consumer protection under the FCRA VIOLATION to try and re-ag an account by updating the date of last activity on my credit repot in hopes of keeping negative information on my account longer. this violation is sueable by 1000 in fines.

i have uploaded my credit report for XXXX, XXXX and XXXX. in all three reports they have constantly re-aged the date of last update.

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 2021-12-27
Company: EQUIFAX, 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:
I am filing this complaint about being ignored. This is false reporting misleading reporting information please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
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: Account information incorrect

Complaint:
I was in a class action lawsuit with XXXX XXXX for the past 6-8 mos. ( maybe longer ) and the people won, so the people were to get 2 things, a small monetary amount by check, ( which I have not received ) and since they reported wrong things on our credit report the were also to take any credit reporting from XXXX XXXX off of all 3 reporting agencies... I see where they have removed XXXX debt from XXXX but have not removed Transunion or XXXX... Please have the reporting agencies remove any bad credit from my credit report per the stipulation from the class action law suit with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief