BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: Nelnet, Inc.
State: CA
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:
Every year when it is time to re-certify my income, Nelnet asks me to send in documentation. Every year, they tell me I have to wait a few weeks for my paperwork to be processed and I have to use forbearance while they review it. And every year, they tell me they didn't receive part of my paperwork, causing me to waste additional months of forbearance. I sent my paperwork in this year as a single PDF, yet somehow ONE of the pages was missing, which will again cause me to waste another month of forbearance. I am only allowed 36 months of forbearance for the life of my loan, and Nelnet conveniently loses paperwork as a predatory way to make me use it up when I don't really need it. 

Living in California, where cost of living is astronomically higher than the federal average, it is already a struggle to pay back student loans based on my income. I fear that if I really fall on hard times and need forbearance, I wont have any left because it has all been used up based on Nelnet " losing '' my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: OR
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:
Experian is reporting incorrectly a foreclosure proceeding started, as well as reporting that I am ( 150 ) days late on the XXXX XXXX   MTG partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) The property was sold at auction in 2017 and all lates that are currently being reported are false. This account should be reporting a {$0.00} balance and the late payments need to be removed. This incorrect reporting is harming my credit score. I have contacted the bureau to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Eagle Accounts Group, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reported XXXX XXXX to the BBB because the loan amount I owe the school {$1300.00} should have been discharge because I received a XXXX from XXXX which works with the department of education. XXXX XXXX has purposely not given my loan to XXXX so it can be discharged under the XXXX guidelines to forgive all my loans which became certified in XXXX. XXXX XXXX opened my collection account XX/XX/XXXX to the XXXX XXXX XXXX, and I received the discharge a year later and they didn't include this loan as part of the discharged I recieved. The XXXX XXXX XXXX told me to contact the college but no response, and I gave them this information to prove the debt was not valid

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 2023-10-22
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have gave ALL parties 2 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay alleged debt. This account have been removed and furnished back on my reports with no communication. 15 USC 1692. Following parties have violated my rights and with the help of CFPB I will seek damages. I demand account be deleted from all reports IMMEDIATELY!! Please see attachment 18 USC 8

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to request assistance with lender placed insurance. Shellpoint mortgage servicing is the servicing agent for our mortgage lender. As of XX/XX/XXXX, they opened an escrow account, without consent or notification and placed hazard insurance on our account. I have insurance for the condo in question without lapses, but Shellpoint was missing the renewal from the HOA. I did not find out until XX/XX/XXXX that I was being charged for insurance I do not control. Now mind you, this is insurance to cover the entire complex not just my condo. Shellpoint had all the contact information for the HOA and did not contact them directly for this information. 
We sent an email to the HOA on XX/XX/XXXX requesting a certificate of Insurance for the complex and by the afternoon had provided Shellpoint with proof of insurance with no laps in coverage for the HOA. Shellpoint left the hazard insurance in place and continued to charge me. I contacted Shellpoint again on XX/XX/XXXX to get an update and they stated the Certificate of Insurance was only for information purposes and did not include the limits. So, the very same day we got a new certificate of insurance and sent it over. To date my account is still being charged and Shellpoint has made no effort to rectify the situation. 
The fact is Shellpoint neglected to contact any of us. They had my address, cell number, email and contact information for the HOA. They have been provided proof of coverage without lapse on several occasions and neglected to refund the charges. A letter dated XX/XX/XXXX states that they are increasing the cost of the lender placed hazard insurance. This is ludicrous, I can not get Shellpoint to credit my account and in my lender contract it clearly states they can not open an escrow account without the borrowers consent. What even worse is this is not information within my control!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Experian to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Experian did not take any action regarding the incorrect and fraudulent information on my credit report. Experian within minutes in most cases sent me an automated email saying your investigation is complete. This is a clear violation of the section 605B of the Fair Credit Reporting Act and Experian should be held accountable. 
Their inaction is making my life unfairly difficult. 

Please make Experian comply with the Fair Credit Reporting Act and remove incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply.

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 2023-04-06
Company: Accurate Background
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
The company Accurate Background : For new hire soon to be employees. Employers are unable to obtain background checks in a timely manner. Employers are unable to fill positions and new hires go without employment while waiting for the results. Many complaints are posted with the XXXX XXXX XXXX. One new hire waited a month for his background check and went homeless while waiting to be able to start his new job. I personally haven't been able to finish my leasing paperwork for two week. I fear that the low income apartments will be taken before I get the background check. Meanwhile, my bank account drains as I pay for a extends stay hotel as my transitional housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
They are working with me to do settlement for my account. I keep getting these threats from atty and that XXXX but the loan company does not know anything about this attorney and telephone number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2023, I received an email from TransUnion. 

Order Confirmation & Account Access Dear XXXX, Thank you for choosing TransUnion! You have taken an important step toward protecting your identity & credit. Here 's the next one : Check your account details now Log into your TransUnion account to make sure your personal information is accurate and your account settings work best for you. Bookmark your login page so you can easily access your account when you need it most. 

If you have any questions, please contact our customer service team at : ( XXXX ) XXXX. 

LOGIN NOW Your Order Order Date : XXXX Order Number : XXXX XXXX Details [ ID XXXX with TransUnion Credit Report and Monitoring ] Billing Subtotal : {$0.00} Sales Tax : {$0.00} Total : {$0.00} Your TransUnion account is ready. Start taking advantage log in now. Need help logging in? Please give us a call at ( XXXX ) XXXX. 

Sincerely, TransUnion Get in the know I did not order this service, nor have I used this account for several years. When I attempted to contact XXXX  about this issue, the chat representative did not answer my question and disconnected me from the chat. 

I would like to know what TU is doing with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Since XXXX, Harris & Harris has been trying to call me to collect a debt. I told them not to contact me as I know that are not a company holding any debt for me. The woman on the phone was aggressive and had demanded I pay them but I told her to stop calling. I am also registered on the national do-not-call list and have been for years. Since then, I receive calls every month, sometimes multiple times each month. Even though I have blocked them, I can still see when they call. They never leave a voicemail and sometimes the calls actually interrupt calls I'm currently on or emails I'm typing on my phone ( I often use my phone for work ). Below are a list of dates and times that they have been calling me since the XX/XX/2023, most recent to oldest. Also, I've included a screenshot of my phone record showing all the incoming calls from them. 

today 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 2017-12-09
Company: ALLY FINANCIAL INC.
State: SC
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:
Customer service would n't take care of my matter remove inquiry 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
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We purchased an auto from XXXX XXXX XXXX of XXXX. After the purchase, we discovered fraud in the sale of auto. We then requested the Loan Agreement from Capital One Auto Finance : XXXX XXXX XXXX, XXXX, Texas, XXXX, via certified mail on XXXXThey refused to send it. We then complained to the Office of the Controller of Currency, who then advised us to call via phone and make a request for documents. They still refused to send documents.We complained again to Office of Controller of Currency. XXXX XXXX XXXX then sent a loan agreement that was mostly unable to read, not legible ie partial pages font size greatly increased making it impossible to read. We feel this is in retaliation for filing a complaint to the O.C.C. We need this Loan Agreement to complete this investigation for further fraud. asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On XXXX XXXX I got an email from Paypal that my account features have been deactivated and they will hold my funds for 180 days. I logged in my Paypal and I got permanent suspension for no reason as they will not tell me specifically what did I do to deserve it. I've been using Paypal for almost 6 years and I never had any issues from them until now. I never have any cases or disputes from my clients and I never violated anything from their Acceptable Use Policy and I'm afraid they will take my funds after 180 days as some users stated that's what Paypal does. I sent them many emails regarding this matter but they firmly hold that their decision is final.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Cuzco Capital Investment Management, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I took out a loan with mariner finance. This loan for for {$1500.00}. I needed the loan because I was having medical issues and the expense was taking a toll so I wanted to consolidate some of my debt. At the time the loan was taken out the loan officer offered me loan protection in the case that the medical issues became worse and I had to miss work. I accepted and paid an additional {$500.00} for the protection. I made my payments as required for more than 8 months. Paying off more than half of the loan. My medical conditions worsened and I have to take time off of work for XXXX surgeries. I went into the office XX/XX/XXXX and submitted the claim on the insurance as I could not find a way to make it work and stay afloat. I assumed that was the end of it. In XX/XX/XXXX I received a call from mariner finance stating they were sending me to collections. I advised of the claim was processed and they stated they needed more information. I then resubmitted the claim with all of the medical back up to the XXXX XXXX and was assured this was resolved. XX/XX/XXXX I have a collector calling stating that they are coming to arrest me over this debt and going to garnish my wages. I paid for the protection and they are now putting my job at risk by contacting my employer, the state board of accounts. This is putting my character into question and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-23
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was sent a collection letter for a vehicle that was impounded for unknown reason. I told them I sold the vehicle years ago and submitted the bill of sale to the dmv. The actual date i sold and sent the bill of sale to the XXXX department of motor vehicles was XXXX XXXX and they insist i owe them for the storage of this vehicle. This company continues to call my place of employment after being told not to call. I wrote a demand XX/XX/2023 for information letter and they sent just a receipt from the towing company. Date of response XXXX XXXX with no supporting dmv lien documentation. I also sent a cease and desist letter On XXXX XXXX, 2023 that was ignored and they continue to send me collection letters with a treats to take legal action. I then received an additional collection letter date XXXX XXXX with more lclaims of legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a loyal Chase customer for many years. I was at work yesterday when I got a call from the Chase XXXX  number. I answered and was told I had fraudulent activity on my card. I saw that there were several unusual charges. Then I was told that someone I didn't know was initiating a wire transfer and to counteract it I had to send the same amount back to myself. The instructions were confusing but I thought that it was my bank. Turns out it was a scam and I wired someone {$9100.00}. I called Chase many times and they refused to reverse the transfer even though it had JUST happened. I am furious that there were not better protections in place. Now I am not very hopeful that I will get my money back. Of note, I filed a police report at my local precinct. I was told that that has happened with 6 other Chase customers in the past 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} INQUIRY REMOVAL 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 Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it XXXX concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( XXXX ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 


XXXX XXXX : Need removed XXXX. 

XXXX XXXXXXXX XXXX : XXXX Want this information removed from report the reporting not right i already contacted them they cant do anything just want it removed 18 usca I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

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