BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I want to start off my stating that I have very much enjoyed Nelnet 's  assistance regarding my loan and have never had any issues until JXX/XX/2016, I did not receive word from Nelnet that my forbearance was to expire. I looked through my emails and found no correspondences. Which is unlike Nenlet because they have always contacted me with any concerns regarding my loan. 

It seems I have about 12 missed payments? These missed payments are around the time I had lost my cousin and my family fell on hard times. I was the main breadwinner considering my cousin and my dad whom is XXXX lived with me so there were so many changes going on within the family. When I saw the missed payments, I was so upset. I had never missed any payments. I mailed in a letter for deferment but it seems it never reached Nelnet. 

Ive recently acquired a decent paying job and will be actively paying off my loan debt. As you see, the last couple months I have been paying off the loans on time and I've even paid off an extra amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
The company is Self Financial which is a credit-building account I put money into the self-account every month by paying every month and I am supposed to have a line of credit which I did for 3 yrs, and never missed a payment they also issued me a secured card for which I did not know it was secured I have paid more than the min balance in XXXX I was sick with XXXX and I accidentally paid the credit builder account instead of the XXXX so I was charged a late fee and it was reported on my credit as late I need it removed trying to buy a house and now they have damaged my credit instead of improving my credit they will not reverse the late fee to take off my credit they have many complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: ZARVAD III S.A.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been dealing with this company for the last past 8 months. I received XXXX dollars from them back in XXXX of this year. Since then, they have been taking XXXX dollars every two weeks out of my paycheck. I have calculated they have taken almost 5000 dollars from me and this needs to stop. I have fallen behind on all my bills due to this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, 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:
Ive tried to have fraudulent inquiries and accounts removed from my credit report with XXXX, Equifax and XXXX through customer service but they were unable to help me so, I opened disputes that never cleared this fraudulent data from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-03-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX received a XXXX XXXX XXXX/ Synchrony Bank statement with a XXXX balance due. The statement contained information on renewing my membership at a fee of {$100.00}. This more than double what it was for XX/XX/XXXX. I determined that was too excessive an increase and contacted the company requesting my account be closed. Because of the non-action on honoring my request for cancellation I received a statement with a balance due amount of {$160.00} the following month. I called the company again and was informed that it would be reviewed and I would received updates on the progress. I did not receive a single update. I did receive past due notices and threats of collection agency actions against me. To date this year I have received no services or made any purchases from the company. My question is why am I being charged for services and/ or purchases that were never made. It is my opinion that the companies lack of action to close my account when requested resulted in these statement fees. This my all be by design but I do not intend to pay for services and/ or purchases that I have not requested or received. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: EQUIFAX, INC.
State: FL
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:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$890.00}

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 2018-02-06
Company: POPULAR BANK
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for loan modification to XXXX XXXX XXXX at XXXX Box XXXX, XXXX XXXX, FL XXXX. The bank denied my application for not responding although I had called many times and I sent application documents XX/XX/2018 after receipt of the application documents via email XX/XX/2018. 

XXXX XXXX XXXX  mailed a letter dated XX/XX/2018 for denial of loan modification application, of which envelop was stamped XX/XX/2018, and reached me XX/XX/2018. 

The letter states they do not accept appeal after XX/XX/2018 when the letter was mailed one day before the due date for appeal from Florida which takes at least 3 days to reach me. 

Since they did not accept my one month payment when two month delay and said they mailed the application document on the same day they sent email but the documents did not come via land mail, it seems the letter was intentionally mailed to reach me after expiration date for appeal. 

This is so unfair business conduct as a bank, operating in the U.S.A. It seems they are trying to foreclose when there is a good chance to correct the situation instead of actually help stating in an inserted a letter to 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 explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.

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 2022-09-06
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing on XX/XX/2022 & XX/XX/2022 I received written notification that my account from XXXX was being collected by Emmett L. Goodman, Jr. LLC on the behalf XXXX XXXX XXXX for the amount of $ {$1300.00}. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. Emmett L. Goodman, Jr. LLC XXXX XXXX XXXX XXXX XXXX and Resurgent Companies, has violated my privacy. All three credit bureaus are already violated my privacy by reporting XXXX XXXX XXXX on my consumer reporting file. I need some help with matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: MI
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:
Hello! 

I am having major issues with Equifax. I have sent numerous letters to them and no response. I sent the attached letter on XX/XX/22 and still have recieved no response. 

I also sent them my drivers license and my proof of address so why are they requesting my social security number!? 

I am afraid of identity theft and I will not send my social security card ... that is crazy. 

I have reason to believe that this account is reporting inaccurately. 

Please have them investigate my file or delete this because I believe they are stalling and dont want to investigate for whatever reason which is against the law!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just refinanced my mortgage and now it is with a new servicer PHH. I was able to make myXX/XX/XXXX payment electronically even though I had to sign up for electronic statements to avoid a payment fee of {$7.00} I attempted to schedule a payment on XX/XX/ forXX/XX/XXXXonline and their system would not allow me to do that. When I called thinking there may just be a technical issue with their website, I was informed that I wouldnt be able to make payments online unless I sign an amendment to the note. They told me I could mail in a check instead though clearly I would be late since there wouldnt be enough time for a check to get there byXX/XX/XXXX. 

This is completely unacceptable. I am trying to make a timely payment and I dont believe that there is anything in the note that covers payment methods so I dont understand why they would force me to sign an amendment. 

They will make me be late on my mortgage and will impact my credit score. 
This is absolutely the worst servicer I have ever dealt with and I did inform them that I would be filing a complaint with the CFPB which they didnt care about at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Experian Information Solutions Inc.
State: NC
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:
Someone has applied for things in my name. I dont know who the person is. Please delete the inquires for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM XXXX XXXX A NATURAL-BORN PERSON. " In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 3 months, I have made several attempts to remind EQUIFAX and XXXX of their duty pursuant to 15 USC 1681. It appears that Equifax is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, and promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... .... all of the unverified information must promptly be removed. They can see in their system that this account was previously disputed without being verified. Equifax AND XXXX have violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission. They did not have my consent. They do not respect my right to privacy which is under 15 USC 1681 ( a4 ). The accounts being disputed are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Accounts disputed with XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: FIRST PORTFOLIO SERVICING INC
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had, had a credit card with the company for a few years and my card was set to expire in XX/XX/2023. My card was totally paid off and had no balances. I called in XXXX when I didn't get a new card and I was told they were behind in getting the new cards processed and mailed to call back in XXXX weeks so I called the end of XXXX again I was told that they were behind in getting cards processed and mailed to call again. In mid XX/XX/2023 I received a text message from the credit card company that I owed XXXX  XXXX so I called and they said my address didn't match and I had to send in a copy of my driver 's license and a current utility bill before they would talk to me. I did this and I received a letter that they updated my address and when I called in disputing the charges by this time they are now {$280.00}. and I am told they will work out an agreement and I said for what I didn't charge anything so how can I owe anything O asked to speak with a supervisor and she said that all the charges are fees, and interest since XXXX and I asked how can they charge me for a card I never received or activated and I told them that they were the one 's that were behind sending out cards and I can't be charged until I receive and activate a card otherwise they were committed credit card fraud. They said they would waive some of the fees if I will pay half and I refuse to pay anything as they never mailed out a card the girl I spoke with before the supervisor said she never saw a card get mailed out. These people want me to agree to pay for something that I never got and I know we don't have a current contract since I never actually accepted or activated a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the law 15 USC 1681i ( 5 ),, inaccurate or incomplete information can not be provided in my credit report, I have found that late payments in the XXXX XXXX XXXX account XXXX are inaccurate in all 3 bureaus of credit, according to law 15USC 1681e ( b ) there can not be incomplete and inaccurate information in the 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I filed a claim with Amex on XX/XX/2022. I found that someone had setup up something called " Send and Split '' with my account, charged my credit card and then set up two fraudulent payments to my XXXX XXXX Checking Account, one for {$200.00} and another for {$740.00}, and then used something titled " Amex Send : Add Money '' to transfer {$1000.00} out of the Amex account. I called Amex, they reset my account password and " opened a claim ''. I asked specifically if this was going to halt the two fraudulent payment attempts for processing and was told that everything from those transactions were stopped. I logged into my XXXX XXXX account today, XX/XX/2022, to see that the two amounts, {$200.00} and {$740.00}, had still been processed to my XXXX XXXX Checking account and were now pending. I attempted to log in to my Amex app and was locked out. I called Amex and was able to reset the account but after spending nearly two and a half hours being transferred back and forth from department to department, verifying my identity every time, explaining the situation every time, and being told they would have to transfer me again and could not assist with the fraudulent payments every time. I asked to speak with managers or someone in charge repeatedly and they just transferred me to and from another department instead. I was told fraudulent payments were different from fraudulent charges, one person said they would not be able to address the payments until the charges were resolved, which could take up to 30 days. Another person couldn't seem to find any notes or filings related to my initial complaint report in regards to the payments or therefore halting them. I asked repeatedly to be transferred to whomever had the ability to reverse the fraudulent payments and put the money back in my checking account. After becoming so frustrated to the point of tears, I hung up and called my bank instead. I still do not have a clear resolution ( or my money back ) as XXXX XXXX says it will take up to 48 hours for them to look into. No one at Amex seems to know what they were doing or even who would actually be able to assist ( I question at this point if that person even exists with in their company ).

Company response to consumer: Closed with explanation