BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: Nelnet, Inc.
State: OR
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:
In an effort to take advantage of the 0 % interest on student loans, I have been trying to make payments to Nelnet during the pandemic. I have repeatedly set up automatic debit payments only to have my payments put in an in school deferment without my consent, on several occasions. This has cost me hundreds of dollars in interest due to my interest rate being ridiculously high at 6.8 %. For example, in XXXX of XXXX I had my loan paid down to {$520.00} after making some lump sum payments on top of the monthly auto payments. When my school reported that I was attending full time, Nelnet automatically put me in an in school deferment and stopped my auto payment without my consent and without any notification and collected {$170.00} in interest bringing my balance up to {$700.00}! THIS IS ROBBERY!!!!!!!! And, this is not the first time Nelnet has done this! I have requested on multiple occasions since my return to school in XXXX that they do not revoke my automatic payments, yet they continue to do this and collect hundreds of dollars in interest from me. I am NEVER going to pay this debt off if they continue to steal from me in this passive manner. Please help me, I have no other recourse!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX XXXX from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal. I do not and I have never had a contract with this company. I am not liable for this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I requested a title loan from loan mart on XXXX XXXX. I was informed by the representative XXXX XXXX that I could pay off the loan early at any time. However, when I went to the website I could only pay less than {$10000.00}. I contacted loanmart again and they instructed me to send a cashier 's check to the address located on my loan documents XXXX XXXX XXXX  c/o LoanMart XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I sent certified mail including the {$10000.00} cashier 's check with USPS tracking number XXXX on XX/XX/2021. I called loanmart to check on the status of the check and they said nobody had gone to pick it up-spoke to XXXX XX/XX/2021. On XX/XX/2021 called loanmart again and spoke to XXXX and he informed me that they would be picking it up that day and will post 1-2 days. After several days nobody from loanmart picked up the check and it was scheduled to be returned to the sender. I called loanmart again and they said I sent it to the wrong address ; however I told them the contract specifically states to send it to that address which the agent I first spok to had informed me as well. On XX/XX/2021 I spoke to XXXX and this agent stated that I need to send it to another address and that pay off checks should have been sent to a different address. He also informed me that they don't do any pick up at the po box . but he would inform management to make an investigation as to what had happened and why was i not given the correct information, that if it was laonmarts mistake they would definitely correct it and not charge me the interest accrued. 
On XX/XX/2021 I spoke to XXXX and explained my situation and he informed me what he also had on the notes, and given the situation and missed information that loanmart would honor the payment and the payment date. I contacted USPS to re-route it however they stated it needed to be returned to sender and I gave them my address. Along the way my mail got sent to Virginia and I requested an investigation. As of today XX/XX/2021 the investigation is ongoing and loanmart has threatened to dishonor the payment and the payment date since it has been several days which is out of my hands

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: FinCo Services Inc DBA Current
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a current debit card for my daughter for XXXX. Before even having money on the card the card number was stolen and people were trying to make purchases. I had transferred {$100.00} from my bank account into the prepaid account but once I learned the number was already stolen I requested the money be returned and the account closed. I requested the transfer XX/XX/2021 and never received the money. No one at the company will contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hey KOHLS/CAPONE ; XXXX XXXX XXXX! 

I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. I'm confused! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax will not give me my annual free credit report but instead requests that I send them copies many personal financial and identification documents by mail. They are placing inordinate stumbling blocks in order to avoid compliance with the annual-free-credit report law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Firstly it was very difficult to file a dispute because experian kept pointing me to some form online which, at the end of filling all information said that it can not file the complaint due to an error at that time. Finally i called them for hours on the phone and mentioned that i am an ID fraud victim and need to rectify information on my credit report. Thenafter there is a collection agency account which needs disputing so i filed a dispute. Experian agent asked me to upload a supporting document and i did provide supporting document from original creditor XXXX XXXX XXXX which said that i do not and did not owe them any money and it was not supposed to be reported on my credit account. I have attached the same document which clearly states i have no liability. Yet experian and the creditor did not take it into account, there is no mention of it in any explanation provided and the collection account unfairly remains on my credit report. Please see the attached evidence i provided to experian as well. 

Secondly, my credit score drastically reduced by 23 points on XXXX XXXX 2018. I have no drastic changes in payment accounts, no new loans, no such changes to make it drop. There is no explanation from the company and other beuros havent dropped my rating. So i am unable to get any response or explanation of sudden credit drop from experian. It has been very difficult to work with experian and it does not care for consumers at all.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX, Experian 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 I DID NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-01-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX XXXX  XXXX and the bank XXXX XXXX XXXX for a XXXX XXXX XXXX. 

I payed a {$1500.00} down payment and agreed on paying $ XXXX for a term of 72 months starting XX/XX/XXXX. 

On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called XXXX to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. XXXX claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. 
I hereby confirm that I have not received any calls from XXXX. I also did not receive any mailing correspondence from them, and that after confirming with XXXX they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. 
XXXX submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. 

I believe these claims are invalid because of the following : 1- I did not receive any correspondence from XXXX regarding this. 
2- XXXX did not have my correct mailing address or my email. 
3- efforts should have been made to contact the dealership to get my correct contact information. 

Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. 
XXXX have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against XXXX. I have no problem in paying the monthly installment as I am a XXXX and I work at XXXX  XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that XXXX did not reach me either via email, mail or phone to get the correct credit card number. 
Please feel free to call me at XXXX to discuss further if needed. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A call was placed to Citizens Bank of Michigan on XX/XX/2017 requesting that my account be closed. I was advised that there was an {$8.00} balance in the account and that they could not close the account without those funds being moved. Those funds were moved to my business account with the same bank, and my account was to be processed for closing. However, the representative went on to tell me that they can not close my account because there are pending transaction on the account. I advised them that other than those transactions I am requesting the account be closed and no further transactions allowed on the account. I was advised that this was impossible. I was then transferred to a supervisor who stated the same as above. When I advised him that the account was being requested to be closed, he stated they could n't close my account and would not close my account. He also stated that any new transactions can occur on my account without my authorization at this time and fees could be assessed. I then stated that I did not want any further authorizations to take place on this account. He replied with the statement that he can not and will not assist in closing the account until Monday at the earliest. When I stated that I have requested my account to be closed and he has denied my request to close the account, he stated that even if he closed it today, if any check, debit card transaction or ach attempts to hit my account within 60 days of the day of closing, they have the right to re-open my account and asses me over draft fees, sustained over draft fees and any other account fees that they wish to. Again when I requested for my account to be closed, he stated that the account is not closed and will not be closed by them and that they will leave it open as long as they want. He then hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/XXXX property taxes were not paid in a timely manner. I contacted Mr. Cooper ( NationStar ) on or about XX/XX/XXXX about the delay in payment and the fact that fees and penalties were incurred on my account. I was assured that the taxes would be paid. On XX/XX/XXXX, I received an email from Mr. Cooper indicating that my taxes had been paid. Again, on XX/XX/XXXX, I received another email indicating that the second installment of my taxes had been paid. 

On or about XX/XX/XXXX, I received a Notice of Intent to File XXXX from XXXX County indicating that they had not received any tax payments. I email Mr. Cooper on XX/XX/XXXX and received a response and attachment showing that they had sent the payments. I called my county tax commissioner and was again told that they did not receive payment. 

I email Mr. Cooper on XX/XX/XXXX and asked about the non-payment. I received no response from them. I posted a review on the XXXX website on XX/XX/XXXX and a representative from Mr. Cooper emailed me. I was able to speak with a " live '' person and relayed the issues I was having with my tax payments. She ( XXXX XXXX ) stated that the tax check had been " lost in the mail '' and would be resubmitted. I have an escrow account, so there shouldn't have been a problem paying my taxes. Now, I fear that if I don't pay the taxes on my own, I will stand the chance of having a lien placed on my home. 

Mr. Cooper has been an absolute nightmare to deal with and it's not getting any better. As a reference point, I filed for Ch. XXXX bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. I did not reaffirm my mortgage. However, I am still in the home and paying monthly ( on time ). XXXX was the original mortgage holder, but they sold the mortgage to Nationstar in XX/XX/XXXX. They are no reporting my payments and there's no reference to my discharged bankruptcy. 

As an aside, I think the Federal and State governments should consider taking a closer look at Mr. Cooper 's business practices. The vast number of complaints that I observed on XXXX should raise a red flag with banking and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: LoanCare, LLC
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I are trying to get the mortgage company to endorse and return our insurance claim check on damage that was done on the roof and interior of our house. I faxed them the invoices on repair and payments made to the contractors. They said that unless they get invoices showing that everything has been paid in full they will not release the check. They keep changing requirements for us to get the check back every time we talk with them. I have one invoice that still shows {$2500.00} owed to XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX ) XXXX. We paid him but never got a receipt stating paid in full. I have been unable to get an invoice showing paid in full. Where I am confused is the insurance check is supposed to be what pays the contractor. If the mortgage company is holding the insurance check hostage how are individuals supposed to pay their contractors? I am sure that not all individuals have money in their savings to pay large sums of money owed to their contractors. I have suggested that Loancare call the contractor if they doubt payment was made. I just would like to get reimbursed for what we took out of our savings account to pay both our contractors on amounts not paid by the insurance company and from the check Loancare in holding and will not give to us in the amount of approximately {$3600.00}. We only owe a little over {$100000.00} on our loan. The house is valued at over {$400000.00}. We have never missed or been late on a payment. This is very frustrating. We have gone through 2 house inspections to verify work was completed ( 95 % ). Work that was not completed was some minor repairs that was not reimbursed by our insurance company. We plan on doing those repairs on our own dime this summer. XXXX determined that what our contractor was charging was over what they thought the work should have cost. Loan # is XXXX with XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX You have permission to share our experience as long as our personal info is removed so we do not have a problem with identity theft.

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 2022-01-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase XXXX XXXX is incorrectly calculating escrow payments when a change occurs. 

Chase is calculating the new escrow payment as follows : New insurance amount + New property tax amount + New mortgage insurance amount + Escrow shortage amount. 

My escrow does not have a shortage. They are double counting the change in property taxes- in the increased new property tax payment and in the shortage amount. The shortage is the difference between the old and new payment. The shortage is supposed to get added to the old payments to come up with the new monthly payment. They are adding the shortage to the new monthly payment, thus inflating my monthly payment by {$220.00}. I faxed projected escrow schedules to Chase demonstrating that their monthly payment would result in unused escrow of over XXXX by end of year XXXX while the correct payment amount would cover all costs without dipping escrow into negative. This did not correct the issue so im filing a complaint as XXXX cant be the only customer who has this double counting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company response to consumer: Closed with explanation