BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Nelnet, Inc.
State: MA
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:
Over the summer of 2023, I was notified my loan was switched from Great Lakes to Nelnet. 

Upon logging in to the system in mid-XXXX to set up auto pay, the processing form reported 'error, your request can not be processed '. I double checked all the information entered ( which was correct ), tried again, and received the same error. I changed browsers - same error. I chalked it up to a systems issue and tried again at varying times over the following two weeks. I also tried using the regular one time payment method, and received the same error message as well. 

Yesterday, I sat on hold for XXXX minutes trying to contact Nelnet and understand what I should do with payments due on XX/XX/XXXX, and no feasible way to ensure payment is processed. Meanwhile, my loan continues to accrue interest that I can not pay off. After XXXX minutes, I had to end the call and return to work. I also submitted an email request yesterday outlining the issue, experience, and process I used. I underscored the need for a quick reply/solve due to the approaching XX/XX/XXXX deadline. I have not even received a response confirming receipt of message. 

I can not believe it is legal for a company to continue accruing interest on accounts that can not be paid on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and bill. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm asking for your help to resolve this issue. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
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:
My deep frustration and utter dismay regarding the ongoing presence of fraudulent accounts on my credit report, despite my repeated attempts to have them removed. I demand immediate action to rectify this egregious error and restore my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I can not overstate the frustration, XXXX, and inconvenience this situation has caused me. I have spent countless hours communicating with your bureau, providing the necessary evidence, and patiently waiting for resolution, only to be met with repeated indifference and inaction. Your lack of responsiveness and inability to resolve this issue promptly is not only unprofessional but also exacerbates the harm done to my financial well-being. 
Failure to comply with my request will leave me with no choice but to take legal action against your bureau for negligence and noncompliance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

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 2023-08-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
FREEDOM MORTGAGE IS THE NEW SERVICE PROVIDER AFTER ACQUIRING MY 25+ YEAR XXXX XXXX HOME MORTGAGE. 
THERE'S SEVERAL PROBLEMS. XXXX XXXX ( OWNER OF FREEDOM MORTGAGE ) TRIED TO COMMIT FRAUD ON MY PROPERTY BY IMPOSING A 2ND MORTGAGE OVER 10+ YEARS AGO. AND GOT CAUGHT. THE FEDERAL JUDGE ORDERED " NO CONTACT ''. 
WELL, I DO NOT PLAN ON BEING SENT TO FEDERAL PRISON FOR A MINIMUM OF 20 YEARS FOR WHAT FREEDOM MORTGAGE DID, ACQUIRED MY LOAN. 

I AM FULLY AWARE THAT MORTGAGE TRANSFERS ARE COMMON PLACE, WITHOUT ANY OBLIGATIONS FOR A CLIENT/CUSTOMER TO STOP SOMETHING BEFORE IT STARTED. 

BOTTOM LINE : FREEDOM MORTGAGE IS GIVING ME A DIFFICULT TIME FOR ME TO GET MY ACCOUNT SET UP. I FINALLY GOT MY LOAN NUMBER... HOWEVER, THEY HAVE BLOCKED ME ACCESS FROM ONLINE! I CALLED BACK, AND THEY TOLD ME BASICALLY " OH WELL '' AND LAUGHING ABOUT IT. 

THIS IS NOT FUNNY, THIS IS TOTALLY UNPROFESSIONAL. IT IS CONSIDERED RUDE AND ILLEGAL TO BLOCK ACCESS FROM THE CLIENT! 

THEN TO SUM IT UP, THEY ARE SENDING EMAILS TO A NO LONGER IN USE EMAIL ACCOUNT AND " CLAIMS '' THAT XXXX XXXX GAVE IT TO THEM. XXXX XXXX DID A RESEARCH AND FOUND THE EMAIL THAT I AM USING PRESENTLY IS REGISTERED AND ASSOCIATED WITH THE MORTGAGE. THEY ARE A BIT PUZZLED, UNLESS SOMEONE REVERTED TO WAY BACK, YEARS AGO, AND DECIDED TO USE A DEFUNCT EMAIL ACCOUNT AND BEGUN TO SPAM ME TO DEATH? REALLY?

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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. 

XXXX : XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: MD
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2019-03-20
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
{$60.00} is the amount owed. I sent them a validation letter and they sent me back copies of paperwork that has not my name, social or signature. It has someone else 's name, social security number, insurance information and signature. I am only listed as an emergency contact.

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 2023-06-05
Company: CCS Financial Services, Inc.
State: PA
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 was a victim of identity theft, someone opened a credit card in my name

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Flandreau Santee Sioux Tribe
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Last week they spoke to my daughter ( who answered my phone as I wasn't there ) and gave her specific details about what I owed, that legal action would be taken, that I twice tried to defraud the company, that my payment was declined. They also contact my father, who I would never use as a reference. They also contact my sister, after she told them I was not at that number, and left her very rude voicemail intended for me ( knowing it was not MY phone number ) that they were seeking legal action against me. 
On initial phone call I asked for letter, or written proof of who the original creditor was and they would not give it to me. They said it was from 2016 but used an address that I have not lived at in about last 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXXXXXX 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 furbish an account without my written instructions.

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 2023-02-25
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had a Chase business complete checking account with Chase that was closed last year by Chase. The account number was XXXX. I need to open a dispute an ACH payment that was made from that account on XX/XX/2022. Chase has not responded to my inquires about this. 
On XX/XX/2022 an ACH payment of {$35000.00} was sent to XXXX XXXX XXXX to their Chase account number XXXX. The Transaction ID is XXXX. 

This company turned out to be a fraudulent company and has scammed me out of this and more money and never fulfilled the services at all for the {$35000.00} sent to them. I filed a fraud report with the FTC and they informed me to contact Chase Bank immediately to help recover my money since it was sent through Chase ACH. I have lots of additional documentation of this company scamming me and others out of money and using deceptive and false statements to get me to purchase an Amazon XXXX store that would generate income. They have not done this at all and have made me no money. They have also not responded to 20 plus attempts to communicate and rectify this situation. The FTC said Chase could assist me in recovering this money. 

I am attaching my FTC report, a screenshot of the ACH transaction, text message from the company showing their account info to deposit the money into and a copy of my statement showing the transaction when I made it. I can provide much further documentation if needed. This company has defrauded large amounts of individuals and the FTC and CA Attorney General are both aware and have stated that Chase could assist me in reversing this transaction. Please let me know what other documents you need. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Back on XX/XX/XXXX I put through a fraud claim on items purchased through XXXX. Received a credit on my statement of {$2000.00}. I realized that my Visa Gap Rewards Credit Card was added in error because of me to my XXXX account. In the meantime I authorized XXXX to charge my XXXX XXXX  the week of XXXX for all the charges that were being reversed by Visa Gap. I realized at that time this was not fraud. XXXX has locked me out of my XXXX account and the only way to get access to all of our streaming was to authorize XXXX to charge my XXXX XXXX card. I had called Gap Visa and informed them that I made an error and this was not fraud. I called them from my number XXXX. On XX/XX/XXXX they recharged my Visa Gap card. I explained that o already paid for all the charges that were reversed on XX/XX/XXXX. Gap Visa stated I needed to work with XXXX as they would see that the fraud claim was reversed. When I call XXXX they tell me to work with Gap Visa. At this time I am out money as I have paid for my XXXX purchase twice and I need a credit or a refund from XXXX or Gap Visa.

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 2020-11-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( XXXX  and Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Resurgent Capital Services L.P.
State: MO
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:
15 USC 1681 SECTION 602 : I HAVE THE RIGHT TO PRIVACY 15 USC SECTION 604 SECTION 2 : A CONSUMER XXXX XXXX AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAT NIT TREAT A PAYMENT ON A CREDIT CARD OPEN END END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had recent issues with Chase Bank on a few situations where I would consider major violations for mistrust by a bank, where they use an alias saving account to keep my direct deposit issued on XX/XX/XXXX in the amount of {$840.00} to pay off an claim I had filed on XX/XX/XXXX. I had an bank credit of {$680.00} left in checking account ending in either XXXX or XXXX where it was never send to me in a cashier check. I was told on a few occasions that a cashier check will be send to me and I was even given dates like XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX that a cashier check was send in the mail for the amount {$680.00} and changes was being sent to me, which it was never sent back me. Chase bank continue to lie to me about these funds. Chase bank lied to me about my direct deposit being rejected on XX/XX/XXXX in amount of {$840.00} and sent back to my employer within 24 hours. I had a called from an executive from Chase Bank on my 1st complaint two week ago which she mention that she would response and refund my funds owed to me. On all these occasions Chase bank continue lying to me and take advantage of their high power cooperation over people like me. Their response to these complaints is an automatic answer by continuing saying, " I'm sorry '' on the phone but not really caring about you as person of not being to pay your bills or being homeless by them taking a person hard earn paycheck though a violation on their part. They took my funds illegally and continue to lie to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion has 3 collection accounts reported on my credit profile. I sent them a Method of Verification request, which they received and signed for XX/XX/2018. 

By law they have 15 days to respond with the verification methods used to verify the accounts as accurate, otherwise the accounts must be deleted. 

As of the filing of this complaint it's been 20 days, TransUnion has not complied with my request, nor have they deleted the collection accounts in question. 

Per the FCRA, TransUnion must immediately delete these collection accounts from my credit profile.

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 2017-08-08
Company: Navient Solutions, LLC.
State: CA
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 lost my job last month and I filed a recertification through studentloans.gov for the REPAYE program with my current income of XXXX. Navient illegally withdrew over {$400.00} from my account even though under the REPAYE program I had a {$0.00} payment. It 's impossible to contact Navient. I want my money returned and I want my loan account updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a survivor of XXXX XXXXXXXX, and when I fled my apartment in 2021, I provided the owner of XXXX XXXX with a police report as evidence of the imminent danger to my life. According to Texas state law, if a XXXX XXXXXXXX survivor can demonstrate their peril with such evidence, the apartment management is obligated to waive any outstanding balances and release them from their lease agreement. It is unlawful in the state of Texas for this situation to result in collections or adversely impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 and XXXX XXXX  inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation