BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: Nelnet, Inc.
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was informed via email a few years ago that my loan from Great Lakes was not able to be paid on - due to the fact that they were transferring all of their loans to Nelnet. 

After several months of not hearing any further information ( or having a way to make payments to the company ) I received an email from Nelnet stating that I would need to start paying on my loan again. 
Nellnet was unable to provide me with any information or records about my original loan amount from Great Lakes. I do not recall the exact amount of the loan from Great Lakes, however, I DO know that it was not this substantially high amount that Nellnet is asking me to pay. 
Due to the fact that I had no option to make a payment for several months while the loan was being transferred to a new company, I disagree that I should have to pay any interest accrued in that time. 
I also believe that Nelnet should be able to provide me with accurate records from Great Lakes- which they have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: MI
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 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 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 explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: DC
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 have a negative credit reporting due to a company selling my information to a collection agency while in contact with me without my knowledge.

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 2023-11-19
Company: Nelnet, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet is falsely accusing me of borrowing {$3400.00}. I never received any loan money. This account is fraudulent, it is a SCAM. I do not owe NELNET {$3400.00}. It must be removed from my credit report. These are fraudulent charges. I never received any loan money to pay for books or transportation. I payed for books OUT OF POCKET. THIS IS A SCAM. NELNET and the Federal Goverment are Financially discriminating on me because I am XXXX XXXX. I will not pay the Goverment these fraudulent loans. They are scam artists and this account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-09-19
Company: EQUIFAX, INC.
State: NC
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:
Equifax, XXXX, and XXXX are not complying with their own policies in a timely manner. 

On XX/XX/XXXX I wrote XXXX, Equifax, XXXX About some inaccurate And Incomplete Credit information. and I Demanded to see XXXX XXXX. it XX/XX/XXXX and I have yet to hear back from either of the three credit bureau. with them failing to do so has hurt my ability to obtain credit UNDER FCRA UNVERIFIABLE ACCOUNT MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERFIABLE PROOF. YOU MUST REMOVED THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Better Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I engaged Better.com to complete a refinance on my home after doing significant research into mortgage companies online. I was sold on their marketing, and was excited for a new, " better '' mortgage experience. I found the online portal to be fast, easy, and user-friendly, but the results to be far from that. 

They offered me a {$100.00} gift card and never even had leadership call me back despite their obtaining an application under false pretenses. 

After 20+ hours of my own work, paying {$550.00} for an appraisal, letting an appraiser into my home during a pandemic, hard credit checks, and getting all the way to underwriting and title review did they realize the issue, that I was never eligible for the loan based on the agreed upon parameters. 

XXXX, a manager at better.com, confirmed on two separate calls that some sort of " foul play '' took place. I have stopped trying to assume what that was or why ... 


History : XXXX received a call back from XXXX ( confirmed better mortgage ), the representative said they could subordinate my HELOC without buying down the HELOC to get to 80 % CLTV. He said I was pre-approved ( despite my asking multiple times about CLTV ). We went around and around for 19 minutes, and he convinced me to apply. 

XXXX XXXX received an email from XXXX XXXX saying I was pre-approved That afternoon, I spoke with XXXX ( who wouldnt speak to loan terms as he wasnt licensed ). 

I also spoke with XXXX again, XXXX where he confirmed we could subordinate the HELOC Since XXXX, Ive had communication with : XXXX XXXX XXXX XXXX ( never called me back ) XXXX ( last name? ) XXXX ( multiple times ) XXXX ( multiple times ) I was never eligible for the loan based on the agreed upon parameters, and I would need to come up with over $ XXXX due to Better.com 's mistake ( even though we had discussed this exact scenario during the initial calls ). 

I have tried to reach out to leadership via multiple means and have even had a better.com employee refuse to forward emails to leadership. For now, my complaint is apparently going nowhere but the Consumer Fraud Protection Bureau as they haven't gotten back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/ I sent Loan Depot the following Letter : ''I would like to pay for my own Property Taxes. This way, I will not have surprises from LoanDepot regarding a shortage in my Escrow. I have been dutifully paying them on time. Thus far, from my calculations, I am in the positive of ( {$390.00} ) in my Escrow account, but your analysis are saying that I have a negative Escrow of XXXX. I have paid into Escrow for the past 10 months. I have been paying XXXX in Escrow monthly. The analysis sheet sent to me on XXXX XXXX XXXX indicates that I have been only paying {$470.00}. They are claiming a shortage of {$30.00}. Which, I have been paying. In conclusion, because I can no longer trust the analyses that are being sent to me ( in order to bill me a shortage of {$1800.00} ), which is ludicrous, I will pay for my own taxes. Therefore, I can not be sent unscrupulous billing from Loan Depot. 

Also, you have an erroneous amount for my XXXX taxes. What is due is {$1400.00}, which I would like to pay myself. Thank you in advance. '' They also are trying to charge me for RBP, which stands for RISK BASE PRICING, which I googled and found out that this is illegal. I am already paying a mortgage insurance in my Escrow and this should cover any problems in my Escrow. I have never been late on my mortgage or Escrow so what is their problem? Even though, my taxes and insurance have increased there is enough money collected out of my Escrow to cover the costs. After looking at how much I paid in Escrow and how much all of my Escrow came to I would be short approx. {$31.00}. I paid {$6000.00} in Escrow and the total that needs to be paid out at the end of the year is {$6000.00}. Why do they need {$1800.00} claiming a shortage of this amount. 

Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to

18 usc 8 The United States is responsible for all debt. 18 usc 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
( XXXX XXXX XXXX, ch. 645, 62 Stat. 685. ) There is not law that states I have to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a business account for my company on XX/XX/2021 with NFCU as I am a personal member. I am a consultant that offers small business consulting and career services consulting to individuals. I just opened a logistics subsidiary, XXXX XXXX where I will be providing interstate carrier services as well as freight broker services. I added a DBA to my business XXXX XXXX as well. 
However, on XX/XX/2021, my business account was abruptly closed without any notice or contact as to why. My business account was under XXXX XXXX, XXXX and my access number was XXXX. I only had the account maybe 2 weeks before it was closed with no reason as to why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, Chime Bank took XXXX $ Out of My account with out my permission to pay my credit card. I never authorized or signed up for auto pay. This is an outrage, I wanted to pay XXXX and they just took all my money. They were extremely unhelpful and I believe that what they did was not only miss leading but possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX, upon further research, this not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA [ Collection Agency Name ] has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with XXXX XXXX XXXX ) XXXX XXXX ID XXXX at USAA to start a VA XXXX XXXX  for a property in Maine. We described the situation and he said it should not be a problem. The situation being that my father in law had passed away, my husband would stay in Maryland and work while my children and myself move up to Maine to take care of my mother in law. We made an offer on a house, it was accepted and the loan went into underwriting. At which time I received a call from XXXX XXXX on XX/XX/XXXX explaining to me that the USAA underwriter was denying my loan because my husband would live and work out of state. We clarified with XXXX XXXX XXXX from the VA XXXX XXXX  Department that we could live apart, my husband can work in Maryland and still use his income to qualify for the loan. We proceeded with another lender we had been pre-approved with, XXXX XXXX, who stated they did not have the same stipulation as USAA for a VA XXXX. On XX/XX/2022 XXXX XXXX XXXX ID XXXX at USAA told the seller we were not moving forward. I am not 100 % how the employee gets to tell a seller we are not moving forward with the loan, this is a privacy act issue, or even the purchase of the house which is not the case at all. Today after opening a complaint with USAA they sent an email XXXX to inform us that they were declining the loan due to debt to income ratio which comes across as retaliatory in nature. I called to clarify with XXXX XXXX XXXX # XXXX in USAA 's XXXX Department and confirmed they did not actually include my husband 's income in our loan. It seems that USAA has a private policy that will not let them use his income as part of our income for the purchase of the loan. This in my opinion should have been told to us at the beginning during our preapproval process.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I purchased 4 air tickets from XXXX, CA to USA with Chase XXXX card on XX/XX/2023. The flights supposed to depart on XX/XX/2023, but due to severe weather, XXXX XXXX cancelled that and provided alternative flights taking us back to USA 2 days later. This is a typical Trip Interruption case which is covered by the CHASE XXXX XXXX benefit, on 'Chase Guide to Benefits ', page 32, What Losses Are Covered? Severe Weather, which prevents a reasonable and prudent person from beginning or continuing on a Trip... We should be reimbursed for the lodging, meal and transport cost during the trip interruption, and it is exactly why used Chase XXXX card to buy the tickets at first time. 

But when file the claim to the Card Benefit Service ( XXXX ) asking to cover the cost of {$1300.00} during the trip interruption, the company just tried best to prevent honoring the claim. First, I filed a claim on the website with all the necessary evidence, and got an email saying the trip delay is not covered and closing the claim. I called the customer line, the agent admitted that was a mistake and asked me to refile a claim. But the system does not allow that and I had to call the customer line again. They first said will modify the claim on their side, then no feedback. Waited and called again, and was told that the claim was closed again cause the benefit does not cover that ... .. For the past couple months, I have spent so much time and energy calling the customer service, but again and again, the agents just promised to resolve, let me wait, no feedback, put me stay in the same cycle. Couple times, the agents just hung on me directly, and obviously, they do not want to resolve the problem and keep the promise what the CHASE XXXX XXXX made as the trip interruption insurance coverage. My claim number filed on XXXX is XXXX. 

I filed a claim against Card Benefit Service ( XXXX  ) through the XXXX XXXX XXXX but the company did not even response to XXXX XXXX request. So I think of CFPB, Please help to resolve this problem to protect our customers. Companies need to keep their promises instead of fooling customers. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Over a year ago, I find out that I have been a victim of Identity theft. I find out that someone unknown to me used my personal information to get credit cards from CAPITAL ONE, XXXX XXXX and XXXX. Since I was not aware of these accounts. They all got charged off. At that time I have filed an FTC Report and send it to the Credit Bureaus and Original Creditors. All except for Capital One has been removed from my Credit Files. I contacted Capital One and I told them, " I am a victim of identity theft. I told them that I did not open or authorize this account ; I therefore request that this account be closed immediately. I also request that CAPITAL ONE absolve me of all charges on this account, and that they take all appropriate steps to remove this account from my credit file ". I also sent them a copy of my Identity Theft Report supporting my position, also sent a copy of the FTC Notice to Furnishers of Information, which details their responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, they are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information they provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. What did capital one did ignored all my communication. I tried again dispute this account with capital one and credit bureaus and again I got the results that capital one has verified the account belongs to me,

Company response to consumer: Closed with explanation