BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX  I spoke with a phone representative of Nelnet, who assured me I would receive paper statements in the mail, and that those statements would require a delivery time of 6-8 weeks. 

At that same time, I requested payment history from my previous servicer, Great Lakes. The response I got from the phone representative was that they " were waiting on that info from Great Lakes ''. 

After sending a follow-up email, I received an automated response about longer than usual wait times, but nothing concrete. 

It has now been over 8 weeks and I have not received any written correspondence from Nelnet, nor have I received any notification of an extended wait time. 

Additionally, on XX/XX/XXXX  I sat on the line for over an hour. The automated voice at XXXX told me wait times were 59 minutes. One hour later at XXXX, wait times were still 59 minutes. 

I suspect this servicer is intentionally under-hiring and under-serving so that interest can accrue before people can enter into repayment plans, receive all relevant documentation, or enter forbearance through other means. 

Don't worry, that didn't stop them from accepting my payment of {$11000.00} on XX/XX/. They made sure at least that part worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: NE
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:
Hello, I am XXXX XXXX and I have repeatedly tried to get my free annual credit report from Experian. Here is an example of one of those times. Even though I have already verified myself within the XXXX system where Experian state you can receive your free credit report, I have not been able to obtain my free credit report from Experian.

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 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is supposed to be closed yet it is saying it is not paid, and hurting my credit score. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My capital one cards and my XXXX card are now being paid off with monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Professional Debt Mediation, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2023 ALLEGED ORIGINAL CREDITOR : XXXX XXXX ALLEGED DEBT COLLECTER AGENCY : PROFESSIONAL DEBT ALLEGED AMOUNT OWED : {$3900.00} ALLEGED ACCOUNT NUMBER : XXXX DEAR PROFESSIONAL DEBT I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AN ALLEGED DEBT RECENTLY. PLEASE BE ADVISED THAT I HEREBY DISPUTE THE VALIDITY OF THE ABOVE-LISTED ALLEGED DEBTS IN ITS ENTIRETY. I REQUESTED VERIFICATIONS/VALIDATION OF THE ALLEGED DEBT AND SPECIFICALLY REQUESTED A COPY OF THE ORIGINAL CONTRACT OR AGREEMENT SIGNED BY THE ALLEGED ORIFINAL CREDITOR AND ALL PARTIES TO ANY SUCH CONTRACT PROVIDED. NOTE : A BILLING STATEMENT, NOTICE OR ANY UNSIGNED DOCUMENTS IS NOT VERIFICATION OF THE ALLEGED DEBT. YET YOU SEND A BILL STATEMENT WITH NO CONTRACT OR SIGNITURE PROVING THAT THIS ALLEGED DEBT IS MINE AND LIED ABOUT PROPERLY VERIFYING THESE ACCOUNTS. MAIL WAS RETURED FROM ADDRESS BECAUSE THAT IS NOT MY ADDRESS. 
I RECEIVED A LEASE AGREEMENT WITH APPEARS TO BE AN AUTOMATED COMPUTER-GENERATED SIGNATURE THAT IS NOT MY SIGNITURE AT ALL AND YOU SENT AN COPY OF A VERY OLD LICENSE THAT WAS STOLEN ALONG WITH MY ENTIRE PURSE. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTIONS ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAS ). PROVIDING ME THE SPECIFIC VERIFICATION DOCUMENTS ABOVE SHALL BE DEEMED COLLECTIONS ACTIVITY. FURTHER, I REQUEST THAT YOU PROMPTLY DELETE ANY AND ALL PRIOR CONSUMER REPORTING MADE TO ANY CRAS.IF YOU COMPLY WITH MY CEASE COLLECTION & DELETEION REQUESST, THEN YOU ARE EXCUSED FROM VERIFICATION. IF YOU OPT OUT TO PROVIDE VERIFICATION, ALSO PROVIDE PROOF OF THE CHAIN OF TITLE OF OWNERSHIP OF THE DEBT. IF THE ALLEGED DEBT WAS ACQUIRED BY A DEBT BUYER, THEN PROOF OF CHAIN OF TITLE OF THE ALLEGED DEBT MUST BE FROM THE ALLEGED ORIGINAL CREDITO TO THE CURRENT ALLEGED OWNER WITHOUT ANY BREAK IN CHAIN. NOW, I KNOW THESE ACCOUNTS IS IN VIOLATION OF MY RIGHTS AND I KNOW YOU THINK YOU'RE GETTING OVER BY PLACING DEBTS YOU RANDOMLY GOT FROM YOUR DEBT BUYER ON MY CREDIT REPORT AS A WAY TO TRY AND HURT ME, BUT THIS WONT FLY WITH ME. YOU HAVE 15 DAYS FROM THE DATE OF THIS LETTER TO SEND EVIDENCE THAT THIS ACCOUNT IS MINE. I WILL NOT ACCEPT ANOTHER BILL ONLY THE ORIGINAL CONTRACT WITH MY SIGNITURE! I TRUST THAT YOU WILL DO YOUR DUE DILIGENCE AND UPHOLD THE 105 REGULATIONS SET OUT FOR YOU IN THE FDCPA AND FCRA AND YOU WILL BE DELETING THIS ACCOUNT, BUT I ALSO DO WANT YOU TO KNOW THAT I KNOW MY RIGHTS! THIS LETTER IS EEVIDENCE THAT MAY BE PROVIDED TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORIZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL TURN THE MATTER OVER TO A CONSUMER ATTORNEY. 
SINCERELY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and at Experian? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, XXXX, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. I also contacted the bank and they agreed to not report the accounts on my file. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2023-07-01
Company: EQUIFAX, INC.
State: MD
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:
I am a victim of identity theft. XXXX XXXX, Equifax, XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX has fraudulently abused my private information without my consent and it appears on my credit report. It is hurting my right to liberty, and the pursuit of happiness as protected by the Constitution for the United states of America.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
About 2011 I opened up an account at Wells Fargo and the person who opened up my account kept putting a paper in trying to get me to sign an investment form. I kept refusing but I did notice my account kept getting lower either from fees or other items not making sense. I was living at the driftwood apartment at the time in XXXX XXXX XXXX but do not remember the address.

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 2020-10-02
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:
I sent a letter to Equifax on XX/XX/2020 for them to correct inaccurate information on my credit report. I have yet to receive a response from them about the status of updating my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Opinion by numerous experience a great scam- denied credit once again- Thank you, xxxxxxxx, for your Personal loan application. Unfortunately, we can not fulfill your request for a loan because of the following reasons : Serious delinquency Too many inquiries in last 12 months Amount owed on revolving accounts is too high Length of time revolving account has been established This agency never reports accurately and only real time is a negative, balances always wrong and inaccurate causing denied credit -higher rates and financial impact. Do not look toward the CFPB to do anything they are worse then the agency complained about- another facade.

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 2023-08-30
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have been a registered nurse for 15 years and have been paying on my student loans since XXXX. I attempted to apply for student loan forgiveness as I have been working for a non profit organization for the past 8 years. Also previous employers also qualify for the non profit. I was rejected for loan forgiveness with no explanation as to why. The system confirms my employer is a non profit and qualifies for this loan forgiveness. I had to apply for a loan consolidation and an income driven plan which is going to significantly increase my payment. I had no choice but to to apply for this, I couldn't just consolidate my loan. I have enclosed a pdf of the document available from my lender ED Financial. There is no record of any of my previous payments showing on this statement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an online savings account with a deposit of {$1000.00}. Citibank will not give any information on how to access the account. I have made at least 6 phone calls attempting to resolve, but have had no success. They adamantly refuse to give me any information about my account or close the account and send me back the money.

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 2019-09-13
Company: Experian Information Solutions Inc.
State: MN
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:
Please see attached letter from XXXX XXXX, dated XXXX. This item should have been removed from my Experian, XXXX XXXX and XXXX credit report. I/Experiian  contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


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 2022-01-23
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Chime to close a fraudulent account associated with my name. They were very unhelpful with closing the account and did not help me resolve this in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XX/XX/XXXX XXXX {$27000.00} Installment Negative XX/XX/XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/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 2023-08-30
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
my account was charged {$230.00} unauthorized at XXXX i was in my city working that day and i was nowhere near anywhere to take a flight. i reported the charge and chime credited me the amount. The names on the flights are not mine! i got a response from chime AGAIN saying they found no error and will be reversing any charges. i have my deposits coming in and this will YET AGAIN take money from my pockets. i will file a lawsuit against chime or take them to smalls claim court for a bigger amount of money. i refuse to be a victim of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-04-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I received notification of 4 collection accounts placed on my Credit report by XXXX XXXX XXXX, which lowered my score 44 points! Having never heard of these people I disputed the debts. The date reported to CRA as acct open date was XX/XX/XXXX. The debts appeared to be from XX/XX/XXXX hospitalization, which insurance covered to my knowledge. I disputed debts thru CRA and all were removed in XX/XX/XXXX. In XX/XX/XXXX I again had a major score drop and upon checking Commonwealth had again placed these collections on my report plus added another one. The date reported as opened now says XX/XX/XXXX. I again disputed but this time CRA verified. I am curious as to how this previously removed debt with an added amount can be verified. Date changing is not allowed by law. Commonwealth has made no effort to provide me any documentation verifying this debt or original date incurred to OC. In doing research I have discovered it is unlikely an OC " assigned '' the debt to Commonwealth as they are junk debt buyers with numerous complaints against them for violations of FCRA and FDCPA. Can you help with getting them to comply with laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: DISCOVER BANK
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am submitting this complaint to DISCOVER BANK due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation