BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: Nelnet, 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:
I have a secured card with XXXXXXXX XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XXXX  payment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


Dept of Nel Net- I am also submitting an investigation for Dept of Nel-net you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 Dept of Nel-net accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Grant & Weber
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Grant & Weber INC and XXXX where paid XX/XX/2019 have copy that they where paid for before going too collection Also my address is wrong have only lived 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 2020-02-11
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened a lease on XX/XX/XXXX. At the time I had a credit score of XXXX. The lease was for 36 months and subsequently the car was repossed in XX/XX/XXXX and sold. Because it was sold for more than what I owed I was never told I had to pay a balance. However on my credit report it said the account was closed on XX/XX/XXXX which is grossly inaccurate. I would like this Information verified and updated with all 3 credit bureaus

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 2018-01-08
Company: EQUIFAX, INC.
State: NC
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 bankruptcy listed in my public records on my credit file that is not mine. It was either from someone with same name or fraudulent stolen information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It has been a battle going through this and I am submitting yet another CFPB Complaint to update and correct the following fraudulent information in my file. I do appreciate the time the Credit Bureaus take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask the Credit Bureaus to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the items listed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Please be advised that you are reporting the wrong address information on my credit report. Kindly delete this incorrect address right away. 
XXXX XXXX XXXX Balance Owed : {$3700.00} I am frustrated! I have been disputing for the correction of this account and yet nothing has been done! I formerly asked for the proofs of verification or documents to prove that the information you report are accurate or you correct this account completely from my Credit Report but you have failed to comply! Your willful non-compliance of the FCRA statute is a clear violation of a consumers rights which is protected by the FCRA. I am now requesting that you update and correct this account on my Credit report or you stop this erroneous reporting. 
XXXX AUTO XXXX Balance Owed : {$0.00} How many letters do I have to send to you to inform you that this Account is paid and the balance is 0? This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. Please delete immediately if unable to provide verifying documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient is the loan servicer. I only owed XXXX. Now I do n't know. You pay online and it is always down. They called me and said they have taken a judgement out. The monthly PMT is XXXX.and I 'm on XXXX. They wanted to send a stranger to my house. I said send a sheriff. I called county court and they have no judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, Shellpoint Mortgage Servicing, made several errors on my account, resulting in an incorrect balance due even though I made all payments early. 

I notified them of the error almost 2 months ago on XX/XX/19 and provided all the documentation they requested but they have still not fixed it. 

They charged unnecessary insurance to my account. 
They set up an authorized escrow account on my mortgage. 
The made an erroneous report of late payments to credit agencies. 

Please help! 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I attempted to close my account and have the money in my accounts returned to me and 5th 3rd continued to allow me to be charged by accounts they reversed the charges for. I have stated that I do not want the Identity Alert service since XX/XX/XXXX and I have continuously have been charged. I explained that their credit reporting is not close to being accurate and stated that they have violated the Fair Credit Reporting Act. I received a letter stating to call XXXX XXXX and she told me she will look into my claims on XX/XX/XXXX. I followed up the next week she told me that I never had a discussion with her. She later called and admitted she made a mistake. I asked what progress was made in resolving this matter. She indicated that she or 5th 3rd has n't done anything to research my account as promised in a timespan of a entire week. I asked why am I still being charged for the Identity Alert service and she advised me to call the toll free number. I told her that I 've tried that already and I got the run around. I included that in the complaint that generated the letter for me to contact her. I asked which manager I can speak with since she has n't been helpful and she did not answer the question. I asked how long I have to get this matter resolved without further actions taken against me and she told me XX/XX/XXXX. XXXX XXXX has told me only some of our conversations are being recorded and monitored ; which is a FDCPA violation. The conversations that were recorded will be useful to back up my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our home loan ( mortgage ) was sold to SLS loan servicing several months ago from our original mortgage holder, XXXX XXXX XXXX. We obtained a successful home loan modification from XXXX XXXX in XXXX of XXXX after a major battle, and poor banking practices from XXXX XXXX on our behalf. In XXXX of XXXX, my wife was laid off from her job of 15 years, and my family was out a good amount of income per month. 

Knowing we were facing a hardship, we reached out to SLS and asked for assistance with our mortgage. We completed an application for assistance, along with all of our documentation and a letter. SLS responded, stating we were only eligible for either a short-sale on the property, or a deed-in-lieu of foreclosure. We were appalled. We were given a date of XX/XX/XXXX to respond with an appeal of their decision. We then submitted an appeal with another letter explaining our situation, and that we had a VALID hardship. We further explained that a short sale would not apply to us, as we have quite a bit of equity in the property. We also explained that it had now been over a year since our last loan modification, and that we intend to keep our home! My wife is now employed again, but catching up after falling behind is hard to do with a family to support. I also suffer XXXX XXXX XXXX XXXX, and will be receiving a XXXX XXXX in the next year. 

We received confirmation that our appeal was received by SLS, but have not yet heard back from them on a decision for assistance with the mortgage. We received a letter on XX/XX/XXXX stating that we denied assistance from SLS. This is not true. The options of assistance they offered us had nothing to do with keeping our home, and/or did not apply to us! And instead, today, XX/XX/XXXX we received 2 letters in the mail from SLS stating they intend to foreclose on our home. This is unfair, and illegal. We as homeowners deserve a chance to remedy our overdue mortgage, and deserve an opportunity for assistance with our mortgage in order to catch up and/or start over. We want to remain in our home and get back on track as we have a XXXX year old son, and our home is our biggest asset. It appears nobody at SLS servicing has taken the time to review our account, our paperwork, or take the time to help their customers who are desperately trying to make things right and not ignore the financial hardship they are experiencing. Why hasn't our appeal been acknowledged? I feel that SLS has no intention of helping customers, although they offer assistance on their website, and via mail. This is a detrimental situation for myself and my family, and something needs to be addressed and done. If I am forced to hire legal counsel, then that is what I will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agencies keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, 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 2018-01-09
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: WI
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:
Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 ( where it is highlighted ) it shows the two late fees were  reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus

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 2021-09-13
Company: Medical Data Systems, Inc.
State: VI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt company name is medical data systems. The balance date is XXXX XXXX i tried emailing the company numerous times but to no avail. I called the number provided but noone answered. I called the original creditor which was advent health central florida and no file was provided when i provided my social security number.

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 2021-09-13
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the dates XX/XX/21, XX/XX/21 and XX/XX/21 I called the M & T Bank customer service support number to file a dispute in the amounts of {$1300.00}, {$320.00} and {$500.00} respectfully totaling {$2200.00}. All 3 transaction was with the merchant XXXX. All 3 items were returned back to merchant. The items were purchased and returned and the merchant never credited me for the amount. I called the merchant many times and everyone gives me the run around which is why I called M & T Bank to file a dispute. However M & T Bank denied my claims because I was told the merchant provided M & T Bank with the purchase receipt as evidence. I told the M & T Bank customer service agent how is a purchase receipt used as evidence if the item was returned and credit was not given back to me. He could not answer me back and told me to fax a written statement to M & T Bank to reopen the case and Its been over 3 weeks and no far I have not heard back from M & T Bank. I had a similar case with the same merchant before and M & T Bank did honor my dispute that time.

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 2019-05-21
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was getting hassle calls from CBE Group ( XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX ) about collection charge of {$39.00} from XXXX XXXX. 
Information they had given me is I had no knowledge and told them that was not me and never ordered that service. They called continued to call me and I had to repeated many times it is not mine. Now they are showing on my Credit Report as Collection so I had called them again and explained to them please remove it from my report since pending charge is not mine. But they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CITIBANK, N.A.
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:
Dear XXXX/ citi bank, Thank you for your request of my drivers license, however, it contradicts to the information you send over through CPFB. When I asked your firm to send over any supporting document to prove the loan belongs to me, you sent over a foreirgn passport indicating the loan belongs to a foreign student. I don't think a foreigner will have a US drivers license. I already told you that I'm a US citizen and I never lived in Texas, where according to your document, is the place the loan originated. Thus I have to believe that you don't have a drivers license on file for this alleged loan, and you have no proof that it belongs to me. Unless you can send over the alleged drivers license on file to connect this loan to me, I demand that your firm remove this fraudenlent information from my credit file within 5 business days you receive this. Otherwise I will sue you for punitive damages.

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 2019-05-06
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I contacted American Express through their chat help window to inquire if I was eligible to receive the bonus on their new XXXX XXXX Credit Card. The chat agent assured me that the only reason that I would not receive their bonus is if I had applied for the same card previously, and encouraged me to apply under the pretense that I would be receiving the bonus because he confirmed that I had never applied or held the XXXX Credit Card. 

I received the card and completed their {$5000.00} minimum spend to receive the bonus on XX/XX/XXXX, and made a payment in full on XX/XX/XXXX. 

I then contacted their chat agent on XX/XX/XXXX to inquire about when I would receive my bonus points and at this time I was told that I was not eligible and that their chat agent had given me incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: DISCOVER BANK
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Due to loss of job from Covid-19 I spoke with a representative at Discover Home Loan and he said I could sign up for a forebearance plan due to Covid-19. He said he put me in for the forebearance plan and to expect a form in the mail to sign. I spoke with the Representative over a month ago and I still have not received a letter nor have they placed me on forebearance and I keep getting late fees each month and am being reported to the credit agencies as delinquent. I am trying to get caught up, but due to not being placed on forebearance I have racked up late charges since XXXX 's scheduled payment.I wish to be placed on forebearance and the late fees for XXXX, XXXX, and XXXX to be refunded. ( although XXXX has not been charged yet, within another week there will be a charge added to my account ).

Company response to consumer: Closed with explanation