BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My complaint is pretty simple. 
When I applied for my loan years ago in the early XXXX, I was advised that I was getting a loan via The Department of Education ... Lo and behold, I'm just now finding out that anything pertaining to student loan debt via the government doesn't apply to XXXX XXXX XXXX ( the company that has my loan ). 
My complaint and question is, when did it happen that my student loan is no longer under the department of education? And why doesn't it apply to benefits given to others during this pandemic? .. 

I was never under the impression that XXXX XXXX XXXX services were " not '' apart of the department of education, because I've always thought that they were, now we're in the middle of a pandemic, and I'm now finding that no benefits being afforded to other student loan recipients, will be afforded to those like myself. 
This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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: Investigation took more than 30 days

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

This item Bankruptcy : Discharged CH-XXXX XX/XX/XXXX XXXX-XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items could not be validated with written proof of contracts or chain of title for collection agency along with copy of license for the state and it has been well over 30 days as required by law. The original request occurred XX/XX/XXXX, followup sent XX/XX/XXXX and then again XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: NV
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:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX/XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank I had taken loan out with recently sold mortgage and Shellpoint Mortgage Servicing is new servicing agent. They asked for copies off insurance and I have faxed them proper papers ( XX/XX/ XXXX  ), then emailed them ( XXXX ) prior papers ( AS SAID NO RECORD ). TODAY I RECEIVED ANOTHER LETTER STATING THEY DID NOT HAVE AND CONTINUE TO THREATEN ME WITH HAVING TO PAY EXTREME AMOUNTS FOR INSURANCE. Shellpoint Mortgage servicing loan # XXXX. I have never had a problem with prior company and have less than 5 years left on mortgage. 

Companies like Shellpoint are praying on the elderly and trying to cause us mental anguish. Obviously they do not have their act together and should be heavily fined and have to provide restitutions to the borrower.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold a home and my title company wired my payoff money to BOA on XX/XX/20. BOA did not respond to the wire or acknowledge that the payment was received, nor did they post the amount. The title company and I attempted to contact the bank numerous times, but they don't answer their calls. I called several times waiting hours and not getting through, my title company spent 5 hours on hold ... I went to my local branch several times and once waited on hold with the bank for 3 hours and they couldn't even get through on the phone. As a result of BOA not answering calls, another attempt was made to wire the funds and BOA didn't respond to that either. Today is day 17 and my funds have not yet posted. I am livid and worried. After numerous hours of wasted time, I can't get BOA to acknowledge the receipt of my funds and they continue to add interest and penalties will soon follow as I am not making mortgage payments on a home I sold. I am extremely worried about the funds, about my credit and about additional fees through no fault of my own. I think it's outrageous for BOA not to have to do their actual job, they blame it on COVID but I deal with 3 other banks that can answer their phones, see me in person and do their jobs.

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 monetary relief
Consumer complaint received 2020-08-27
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
1. Ive been waiting on a disputed refund/reversal since XX/XX/2020 from MyVanillia.

2. I did a return to a department storeon XX/XX/2020. I explained to the department store that I didnt have the card I initially paid for my merchandise with. The department store accommodated meby putting my refund on my prepaid cardbeing that I had a proof of purchase label. 
3. The XXXX  at MyVanillia ( XXXX XXXX ) ..., have deactivated my cardand refuse to release MY MONEY!  I have sent the RETURN RECEIPT to their FRAUDULENT ass company several times. My PATIENCE is wearing! As it isIve been waiting an UNCONSTITUTIONALLY LONG time for my other disputes. Yes, Im PISSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a fraudulent account on my credit report With XXXX XXXX that I have been dealing with for over a year I turned in police report and identity theft Affidavit to the company and the credit reporting agencies All except Equifax has removed this account from my report a year ago and I provided them all information need to show this was not done by me Ive been disputing this account asking if they feel like this account should be on my account to show physical proof of a contract with my signature on it no one can provide this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
My credit card company, Capital One, has restricted my account because i do not own a US driver 's license. The only way they can verify my identity is if i provide them a US driver 's license. I have a US passport and an expired US driver 's license but they will not even accept a US passport as a form of identity. Because they do not have the capabilities to accept this, they are unable to take my payment using my debit card. They are continuing to charge my fees and interest because of this and they also will not even discuss my account with me. 

It is unacceptable that Capital One continues to charge me when they can not accept a customer 's US passport as a means of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are three debt collection company that I am paying and paid in full. 
1. I contacted Vance and Hoffman with 30 day to setup payment before 30 days notice. Please remove from my credit reports. 

Debt collection - paid in full from XXXX XXXX I contacted to make payment arrangements before going to debt collection. I should have not been reported to the bureau 's. This should not be a charge off. 

XXXX  XXXX : I paid over the amount requested to XXXX  XXXX and debt collection. This is not a charge off. Please remove from credit report because of inaccurate information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
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: Public record information inaccurate

Complaint:
This is my second complaint regarding Equifax not removing the Bankruptcy they claimed in their letter they sent me dated XX/XX/2020, Confirmation # XXXX that " the disputed item is not currently reporting on the Equifax credit file. Public Record : Bankruptcy XXXX. " Re

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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:
I received a notification on XX/XX/2021 from Experian via email that my account information had been updated, my email was changed. I was asked to email them at XXXX if the change was not initiated by me, which it was not. I have not received any response to this email. I have subsequently been notified by my financial institutions that my credit report has changed. 

Today I tried to reach Experian by phone ( XXXX ). There is no way to reach a human. By way of the automated system, I placed a security alert on my account. Unfortunately, the system states information will be sent to me via EMAIL. Again, the email information has been fraudulently changed. I am at a loss for how to communicate with the company. I have tried to reset user name and password on my Experian account, and again, everything goes to the FRAUDULENT EMAIL. I am unable to fix this without assistance.

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 2020-05-12
Company: Experian Information Solutions 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:
I opened an account with XXXX XXXX XXXX in XXXX ( approximately ). I had financial issues and was unable to pay of this balance in XXXX. They closed my account and wrote off the balance shortly after. Since this they have sold my account to numerous companies and it keeps Coming up on my credit report 15 years later saying that I am currently late on payments. I understand I defaulted on this account 15+ years ago, but I was under the impression it was only on my report for 7 years. I disputed this with Experian and they actually made it as if Im currently behind on payments like it was never written off. I am trying to get my credit and finances stable so I can eventually catch up on my past due accounts.

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 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in 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 explanation
Consumer complaint received 2021-02-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I phoned Citibank about fraudulent withdrawals made from my account that totaled {$1000.00}. Someone ordered a bank card and had it mailed to an address that was not my address. Citibank mailed out the card with a pin number, they activated the card and was able to take the money out. Citibank sent an email stating that they will not reimburse me the funds that was stolen. I made several police reports, 1 for the unauthorized withdrawals and 1 for identity theft and 1 for the card being delivered to an address that was not mines. Citibank is accusing me of loaning my card out to someone. A card that was never in my possession!!! I have attached the proof where they mailed out two cards, one to my address after the money was stolen and the other where they mailed out the card to the address that's not mines and when they unlocked the card so that they could use it.

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 monetary relief
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: IL
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:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
I have a credit card on my report that opens XXXX and closed XXXX. I was told they are not suppose to be on there after 7 years. Its been almost 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: MA
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:
I supplied Experian with the email that confirms that I had autopay in place and that XXXX XXXX is responsible. I have also contacted XXXX XXXX and they have not corrected their error. Experian continues to side with XXXX XXXX because " the company certified the information is accurate '', which is contrary to the evidence I provided.

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 2023-03-03
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
I tried to apply for American Express Credit Card on their startup program on XX/XX/2022. They said it would be soft credit check as advertised on their site. My call went to a different department where they took my application and did a hard credit check. Multiple AMEX agents confirmed that they would get my hard credit check removed in 90 days. 

It is still post 90 days and the hard credit inquiry on all three credit bureau still persists. AMEX other department approved my application but I didn't want that card and I wanted card under startup program so I declined the card and asked them to ensure that there is no hard inquiry on my file. 

Application Ref : XXXX When I called Credit Bureaus they said that AMEX has to remove these hard inquiry else it will stay there for 24 months. 

I have audio recordings with AMEX agents that confirm that they made a mistake in hard inquiry and it will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was sent a wire transfer for XXXX but they only deposited {$340.00} which short changed me by 20 % and was a retaliatory act for me being forced to file multiple complaints against them for other issues.

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 2020-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as XXXX XXXX XXXXXXXX XXXX XXXX  on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXX XXXX XXXX and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

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 2022-01-06
Company: EQUIFAX, INC.
State: OH
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:
Upon review of my credit file with Equifax, I noticed that there were several inaccurate accounts and inquiries being reported. 

Several months ago, I mailed the attached affidavit to Equifax stating it's poor business practices, pursuant to 15 USC 1681. 

Since then, many of the inaccurate accounts and inquires remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The alleged action issue of account administration regarding XXXX XXXX XXXXXXXX left in estate will forbides listed. Rewritten documents altering the originator 's name ( XXXX XXXX XXXX XXXX changed to XXXX of initial line of instruction, i.e fraud of will ) The first bold faced writing of the entire instruction stating verbatim. " IN TRUST, NEVERTHELESS, to invest or reinvest the same. '' Accusations in accounts of trustee XXXX XXXX XXXX inquires improper investment of funds into XXXX XXXX XXXX. Withdrawing of co-founded B of A ( Bank of America ) account and third time of administrating and title name change. The stated account ended up in a name unother and unaurthorized of me and depleted. This unadvised rule allowed CPA XXXX to remove the title, Beneficiary of Trust, from the account funding investment with XXXX XXXX XXXX. Mishandling of the 35 year old account led to me not once having a say of its use though requested by my grandfather, 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 explanation