BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: Nelnet, Inc.
State: NY
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 attempted to pay a Nelnet loan group in full on XX/XX/2019. I tried to pay by debit card but Nelnet said that my account number on file was sufficient. Several days later, the payment wasnt processed and declined. I called Nelnet to make the payment by debit card and the debit card was declined. I increased my debit card limit to pay the loan group successfully and I call Nelnet again and they said it is US Department of Education/Nelnet policy not to let me make a payment more than {$2000.00}. Im begging for Nelnet to accept my payment so I dont accrue any further interest in this loan group. This is sadism.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid 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 a flight in XX/XX/XXXX that was delayed over 3 hours. My XXXX XXXX card comes with a 3 hour flight delay protection, where Citi will pay for any reasonable expenses during the delay. I submitted a claim following their procedure, which consisted of meals and taxi rides. I was reimbursed for the taxi rides, but not the meals. I inquired about this, received no response, then inquired again, saying if I did not hear back in a week I would complain to the CFPB. I have still heard nothing back.

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 2022-08-12
Company: Experian Information Solutions 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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2018-01-30
Company: CITIBANK, N.A.
State: CO
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:
I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice 30 days after i made the payment they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.

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 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2021-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Around XX/XX/XXXX I got my Capital One Credit Card. Ever since then I've only been able to use it a couple of times as the process of using it has been absolutely dreadful. The card only has XXXX credit but even though its such a low amount I have still not been able to successfully pay my bill even though money HAS been taken from my bank account. From XX/XX/XXXX I've tried to put in a payment of {$250.00} Dollars but since then it has taken the amount, returned it and taken it again with no sign of the credit showing up in my account. I have called their customer service number 6 times already and each time they have assured me that my problem will be fixed, have been put on hold for an hour, have been hung up on, and lied to many times. in summary this company has taken my money and has not put it back in my credit, I currently have a balance of {$240.00} with the available credit of {$5.00}. even though the customer service reps insured me that a credit of {$250.00} will show on my available credit it has not and never will. I it feels though as I have been scammed and this is outrageous because i don't have money to not care about as I am not a wealthy person and need all of my money and hate it when companies steal from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: WA
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:
Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second time I am filing a complaint. It hurts me that nothing is being done about this debt collection account. Equifax has been notified several times about this debt and they still report it. XXXX XXXX  XXXX Collections is not interested in helping me. They want me to pay a debt that I do not owe! Its is frustrating to me. At this point I am wondering if I were a non XXXX person would this be as hard. Yes I would like an answer explaining the reasons for this not being resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I received a consent judgement paper in the mail for myself, along with another person 's personally information inside of my letter. 
I received her legal information with her last four SS #, her name, and her address. 
I contacted the Attorney 's office XXXX, XXXX, and XXXX, XXXX. I let them know what happened, the person XXXX I spoke to just asked that I sent it back. I then spoke to the Supervisor XXXX XXXX at the Attorney 's office his number is XXXX ext XXXX. Mr. XXXX stated it was a sorting mistake, and he will escalate this error the Manager of the mail room. I also mentioned that I wanted the balance of the debt erased and a letter stating it was taken care of. I also let them know that I have filed a complaint with the Federal Trade Commission as well. 

I also contacted the lady that I received her information, she also let me know that she received my information as well. 
She just put a sticky on the my information and mailed it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently going through a divorce. Per my divorce decree ( not yet finalized ) I need to have an assumption done on my mortgage to remove my wife, XXXX XXXX XXXX XXXX XXXX, removed from my mortgage as the secondary borrower. 

I called Loancare on XX/XX/2018 and spoke with a customer service agent who told me that there was nothing that I could do and that I would have to refinance my mortgage with a different company. I then logged onto the FHA website and read him a passage that proved that he was incorrect. He then hung up on me. 

I called Loancare back on XX/XX/2018 and spoke with a customer service agent who told me that what I needed to do had to be requested in writing and provided me the email address to send my request to. 

On XX/XX/2018 I sent an email to Loancare requesting an assumption. 

On XX/XX/2018 I received a response from Loancare issuing reference number XXXX. The email requested my account number ( which I had clearly provided in my initial email ) and I replied with the requested information. 

On XX/XX/2018 I sent another email because I still had not heard anything. 

On XX/XX/2018 I called customer service and spoke with an agent who apologized, took my information, and told me that someone from that department would be in touch with me in 3-5 business days. 

On XX/XX/2018 I called customer service again and spoke with an agent who said there was no record of my call on XX/XX/18 and that they would submit the request again. 

On XX/XX/2018 I called customer service and was informed of an " unusually large call volume '' and provided my phone number for a call back when it was my turn. I never received a call back. 

On XX/XX/2018 I called customer service again and was informed of the same " unusually large call volume. '' I again provided my phone number and again I still never received a call back.

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 2021-11-07
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: Information belongs to someone else

Complaint:
I initially submitted a previous complaint regarding the same issue ( # XXXX ). I just received a written response from Equifax. The issue is still unresolved and just as troubling my credit report is filled with inaccuracies regarding my personal information. To recap, the merchant XXXX XXXX XXXX 2 reported 2 accounts as delinquent to both Equifax and XXXX in XXXX. Both companies concluded neither account belonged to me. In XXXX, the same merchant again reported the same 2 accounts to both credit reporting agencies. However, while XXXX again concluded neither account was mine, Equifax now says they are mine. In the credit report Equifax sent me, they did not.provide me receipts or any other documentation showing the accounts are mine. They simply stated, " we verified that this item belongs to you. '' But no details were included, not even an address " unknown ''. So I am absolutely stating these accounts are not mine. And after reviewing the personal details of the credit report Equifax sent me, I am 100 % certain I am the victim of identity theft and/or fraud. Here are the reasons why : 1. My name on the report is listed as XXXX XXXX XXXX XXXX ( I have never in my life added any suffix to my name. 

2. The report lists a previous address as XXXX XXXX XXXX, XXXX, TX XXXX. That house is across the street from me. I HAVE NEVER LIVED THERE. My fear is the postboffice may have inadvertently delivered mail to the incorrect address at some point. My now deceased wife was an identity theft victim years ago when our mailbox was breached. 

3. The report also lists a previous address for me as XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I HAVE NEVER LIVED AT THAT LOCATION. 

4. Lastly, the report states both collection accounts were created on the same day with 2 separate account numbers on the same day ( # XXXX & # XXXX ) .How is that possible when I am one person? In addition, I have had excellent medical coverage through my employer for the last 16 years. Due to extensive health issues I met my deductible early in XXXX and certainly would not have had a copay for any medical services especially in XX/XX/XXXX. Nor would I have received any medical services from any provider who did not accept my insurance.

Equifax had not provided me with ANY documentation or tangible proof that these 2 collection accounts belong to me, other than to say, " we verified this item belongs to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: MI
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:
On XX/XX/XXXX, Wells Fargo credited my credit card account with the amount {$660.00}. This was a random erroneous credit that I did not initiate in any way. 

This temporary credit then negated my autopay scheduled for late XX/XX/XXXX. This then caused me to miss my XXXX monthly bill. Wells Fargo did not email or text me about any of this ( despite my election to paperless notifications ) and only sent me a physical letter months after the fact, which received XX/XX/XXXX. 

This late payment then caused Wells Fargo to freeze all my rewards points, fine me, and report to the credit agencies a missed payment as being my fault. This then lowered my credit score over 100 points. 

And after hours on the phone with Wells Fargo on XX/XX/XXXX, they promised to fix it and follow up, but still nothing has been addressed about this erroneous late payment report on my credit statement for two weeks. When I talked with Wells Fargo on XX/XX/XXXX, they didn't seem to believe any further action on their part was necessary, so I had to initiate the process of requesting they fix my erroneous credit report all over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi Cards switched my account to a new credit card without my implicit consent. Charges made with prior card were billed on new card. I began receiving late notices. When I contacted Citi they told me I had only one account & to ignore the calls. A few months later I learned my credit score dropped significantly. When I called Citi the situation was straightened out, but they only remove one late charge and kept interest charges caused by their mistake. I called Citi and they refused to take additional action to remove late fees/interest charges caused by their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In July/XX/XX/2018 I requested a balance transfer of XXXX to XXXX XXXX. It was never processed. However, they keep charging the {$450.00} plus interest. XXXX XXXX purchased my account after the transaction and has been very uncooperative refusing to verify if the {$450.00} check has been cashed. Still charging me the {$450.00} plus interest

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 2021-11-07
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I submitted a federal trade commission ( FTC ) letter and dispute letter to Transunion credit bureau notifying them of these fraudulent inquiries they I dont recall nor recognize reporting on my consumer credit report. They have failed to delete these off my credit report. This is stressing me out and causing harm to my score. I dont think they are taking me serious and I need something done about this no one is listening to my requests like this is a joke and this is real life MY LIFE. Me as a consumer Im suppose to feel protected and this doesnt seem like it, I just want transunion to follow the law because I do know my rights and delete these inquiries that do not belong to me.

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 2021-11-07
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Some time in early XXXX I called a company named XXXX to cancel my telephone service. After spending 20 minutes on the call and repeatedly telling the representative I no longer wanted their service I was unable to get them to cancel. I have since been filing multiple disputes with my Chase credit card. I was told that after 3 months they would be able to reject the charge. As you may have guessed they have not and stated they can't despite the fact that I have since sold my home and have been traveling overseas since that time.

Today I called to reject another charge and was told they can't stop them from billing me so I cancelled the card. I was told they will still be able to keep billing my old card number and I will be responsible for the charges. Sure could use someone's help.

Company response to consumer: Closed with explanation