BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Nelnet, Inc.
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:
XX/XX/23 - Called to receive an update on my loan consolidation request and the status of my SAVE application from XXXX. Was on hold for 1 hour and 15 mins, then was informed that the SAVE application portion may not have been completed properly and to wait for the loan consolidation to complete before submitting another application. 

XX/XX/23 - Submitted another SAVE application, after being informed that the first one was not completed properly. 

XX/XX/23 - Called to receive an update on my SAVE application as it had been past the 10-15 day processing period and they had received all required documentation. I had not received ANY communication from Nelnet. I was on hold for 1 hour and 30 minutes, then I was told that I should have received an email and a letter in the mail stating that it would be up to 20 days now due to the high demand ( for which I received neither ). 

XX/XX/23 - Called to receive an update on my SAVE application as I have not received ANY communication from Nelnet on the matter. The website says that the application has been completed, however there is no change to my loan payment or status. Was on hold for 2 hours, then was told that it would be 30-40 days to get any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from XXXX on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at XXXX, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from Transunion it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my incarceration and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.

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 2022-10-17
Company: PNC Bank N.A.
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: Their investigation did not fix an error on your report

Complaint:
I had XXXX so I wasnt able to work so I was late on my payments I reported it to XXXX  Bank, pnc they still reported it to the credit Bureaus as late I disputed it with the credit bureaus. But they refuse to remove it Under the XXXX act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
These accounts are not mine Ive been incarcerated since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : XXXX XXXX  acct XXXX, XXXX XXXX, XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX  acct XXXX,. inquiry XXXX XXXX,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed according to the court FCRA Status please remove all above listed accounts and inquiries thank you

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 2019-10-29
Company: MoneyLion Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The collections agency for this company has called numerous times, often leaving threatening messages regarding a debt I owe to them. The messages were in such gross violation of the fair debt collection practices act, that I didnt even give them a second thought as being an actual debt collection agency until last week. They have called representing themselves as attorneys and law enforcement, they have used terminology that would lead an ordinary person to believe they were going to arrest me for not paying the debt, and insinuated that I had committed some serious crimes by not paying the debt. They also created the illusion that they were going to seize my assets, which the contract provides them no right to, and they somehow have information about one of the vehicles I own. They brought up this information during the only conversation Ive had with them, presumably as a scare tactic to make me believe they were going to seize my car. In addition to these violations of the law, they are also very rude and disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: IL
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 according with the fair credit reporting act the list of accounts below has violated my Federal protection consumers rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : department of education Account number : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also State a consumer report 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 reports containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: SCA Collections, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received several letters from SCA Collections. Each time I have responded with a written letter informing them that I do not owe the debt. I have included with each correspondence a copy of my billing statement from XXXX XXXX of XXXX XXXX showing a XXXX balance. I logged into the XXXX XXXX  website this morning and verified once again that I do not owe them any money. My insurance has paid their portion and I have paid my portions. I am mailing my 4th letter to them today asking them to stop contacting.

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 2020-01-21
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Today is XXXX XXXX I put in a dispute with American Express serve XX/XX/XXXX, today they declined my dispute and on top of everything declined to close out my account I have a XXXX and receive my government benefits direct deposit myself and son have medical needs I cant get his medicine because they also decided to take my money and close my account now Im struggling to figure out what to do very upset

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
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: Account information incorrect

Complaint:
Credit Bureau refuse to remove account and incorrect information on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2021-01-07
Company: Law Offices of Robert J. Colclough, III
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX on XX/XX/2020 was offered a settlement and paid {$140.00} to settle the Debt. I was advised I would receive a letter for the debt and it would be reported to the credit reporting agency. Neither has taken place, I spoke with Supervisor XXXX XXXX in XXXX and was again advised this would be taken care of I pulled my credit Report today and it is still being reported as though they were never paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle in XXXXXXXX XXXX XXXXXXXX. My first payment was due in XXXXXXXX XXXX XXXXXXXX. I have made all of my payments from XX/XX/XXXX- XXXX of XXXX. I have all bank statements showing proof of payments from this time period. I received a phone call from Santander Consumer Financial in XXXXXXXX XXXX XXXXXXXX saying they had not received my payment from XXXX and XXXX. I went to my my bank, had them print out my statements showing proof of payment and I faxed it to Santander Consumer Financial. They told me they would have to investigate and they would get back to me in 3-5 business days. I waited about a week and still hadn't heard from Santander so I took it upon myself to call them. After being on hold for over and hour and being transferred to 7 different people, I was told they were still investigating. This went on weekly for about 2 and a half months. I finally got answers in XXXX and was simply told by Santander that my bank was stealing my money and now I am told I am 3 months behind on payments, even though throughout their " investigation '' my husband and I were still making all payments in full. I had a daily battle with this company for months. I gave them all of my proof of payments and they continued to tack on late fees. Now we jump to XXXX and they tell me out of all of this time, for the past 9 months, I have only made 2 payments. All of my money invested in this vehicle was taken from me. I have invested over {$10000.00} in this vehicle just to end up with nothing. This company is crooked and they are thieves. I need help to figure out my options in recovering some of my money. They have also changed names that reflect on bank statement to a shell company called XXXX. I questioned them several times about this company and Santander advised me it was a third party company they use for payment purposes. I was recently told in XXXX by a Santander employee that she didn't know who that company was nor had she heard of them. I am beginning to think that that is how they are defrauding people out of money. They are receiving payment through this shell company and then acting as if they have no idea who they are. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX/ XXXX XXXX XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XXXX, ( 6 ) XXXX, XXXX, XXXX, ( 7 )  XXXX XXXX XXXX , XXXX, XXXX, ( 8 ) 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 explanation
Consumer complaint received 2022-10-12
Company: MOHELA
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:
Mohela has lied to me and many other borrowers about turnaround time. I am afraid they will not refund my loan, that by law, they must refund if during the COVID-19 Pandemic ( within the last year payments were made ). I have tried calling and been on the phone for hours. I dont know what to do, they have lied and many people are having problems reaching them. It has been close to 50 days since I talked to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
I purchased a car and Santander was the lender. During a difficult time, I spoke with a representative there starting in XX/XX/XXXX, who offered me to modify my loan so Id be able to afford to continue making payments Finally in the month of XXXX I received the new Modification forms, signed and returned and the forms specifically showed that starting in XX/XX/XXXX the new Loan payments would begin. I thought all was now resolved! 
In XXXX XXXX went to a store and came out to find my vehicle gone! Thinking someone had stolen my car I called the police and they informed me that it was towed. I immediately called Santander and upon their review of my account they found that the were wrong to have picked up the car, apologized, and then told me where I could go to retrieve my vehicle. It was their error so I was not charged anything and although I was angry, I got my car back and figured it was over. 
Fast forward to XXXX, I took my credit report, found that Santander reported lates even after the modification, and even reported 2 lates for XXXX and XX/XX/XXXX, even though the loan was paid in full in XX/XX/XXXX. Ive tried to get this corrected, at once point it was Just a month ago, I took my credit, again incorrect information from Santander! I disputed, and now Santander is reporting a REPOSSESSION in XX/XX/XXXX, which is exactly the same time they towed my car in error!!!!! This was their error, they admitted it at the time, and only until now has it ever showed as a REPOSSESSION! This is more than detrimental to my ability to obtain financing and credit, and needs to be corrected! When I call their office, give my Social Security number, they claim that they have no information. 
Help, these folks should be audited! The federal government needs to look into their practices as Im sure theyd find Santander is not in compliance per the consumer lending regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: SYNCHRONY FINANCIAL
State: GA
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:
Current Paypal Credit Account Balance {$450.00} 1 ) XXXX - Monthly payment due and completed with no problem - {$49.00} 2 ) XXXX - Submitted a minimum payment of {$28.00}. 
3 ) XXXX - Minimum payment returned of XXXX {$28.00} ) 4 )  XXXX - Returned payment fee charged to my account {$27.00} 5 ) XXXX - Minimum payment 2nd try of {$28.00} 6 ) XXXX - Minimum payment returned of ( {$28.00} ) 7 ) XXXX - XXXX purchase through paypal linked to my XXXX XXXX account {$410.00} 8 ) XXXX - Spoke with payapl customer service about what was going on with my monthly payments being returned and the returned fee to be refunded ( never refunded ). Another payment was made for {$65.00} to cover balance. 
9 ) XXXX - payment returned ( {$65.00} ) This is very frustrating due to the fact this is the second time I have had a low balance credit account with Synchrony Bank that I have had this issue with returned payments. My bank account is correct and was confirmed over the phone via the last 4 digits on the account. This is also frustrating because this is effecting my credit score which XXXX doesn't care anything about just wants to cancel my payments so it looks like I am not making my payments. This needs to be acknowledged and fixed with XXXX before it escalates any further.

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 2019-10-29
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have contacted XXXX XXXX XXXX the lender that has my loan through my university about late reporting they have done on my credit. In XXXX I contacted the company and they advised that I had a late payment I needed to make. I made the payment and specifically asked the rep numerous times if it would be reported as late. He advised that it would not. My goal of the call was to bring any outstanding payments current including my XXXX payment which was also due. I also set up a payment arrangement because I want to buy a house next year and I wanted to ensure that no late payments would be made ever again. The rep set it up for XX/XX/XXXX knowing that this would make my XXXX payment late as well! I was not aware of this until the derogatory mark hit my credit. I happened to call UAS Accounting when I found out and even changed my payment date to the XXXX because I never wanted the payment to be late in the first place! If I was setting up payments in order to avoid being late why would the representative advise me incorrectly????? I have asked the company to pull the calls and listen to the representative and my conversation and they will not do so. I have also contacted XXXX  but UAS Accounting is refusing to help me. I am asking that this company remove these negative marks from my credit as this was an error in their representatives communication to me that has caused all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: VA
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:
Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from XXXX on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at XXXX, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from XXXX  it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my XXXX   and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.

Company response to consumer: Closed with non-monetary relief