BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: CA
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 request that XXXX XXXX Account No : XXXX be put back on my credit report. In XX/XX/XXXX it was deleted. However Ive been paying on it got 8 years and recently finished in XX/XX/XXXX The agreement between me and XXXX was once it was paid off it would be reported on my credit report as account in good standing paid as agreed and paid in full. XXXX reported normally. I've called EQUIFAX a total of 30 times asking for the status of the updates they informed me I can fax a dispute to put everything back on my credit report which was faxed in the month of XXXX EQUIFAX informed me that I can not dispute to add something to my credit report only a creditor can add something to my credit report. MEAN WHILE EQ IS SAYINTH THEY HAENT HEARD ANYTHING FROM XXXX Mean while XXXX XXXX has been trying to report it over 7 times on my credit report Providing me with AUD # XXXX every time..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Nelnet, Inc.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is both a complaint and a Freedom of Information Request to  Nelnet XXXX Inc. - a U.S. Department of Education Loan Servicer. I have previously filed a CFPB complaint on XX/XX/2020 XXXX XXXX, which is NOT published when I requested this complaint to be published ) stating that I do not have access to my account on-line with XXXXnelnet.com. Today, XX/XX/2020, Nelnet mailed me a letter stating that my issue for access is with my browser. This letter is a lie as I have previously provided video link proof that I am unable to " see '' any information and as of today, XX/XX/2020 I can not even log onto Nelnet - without receiving messages that I have to phone call Nelnet. In my CFPB complaint, my final comment was requesting that Nelnet provide me with a meeting, any two dates, any two times, and instead I receive a " browser '' letter as a response. I am requesting that Nelnet provide me with any two dates and times and location/address so that I, XXXX XXXX XXXX, can physically see my Nelnet records along with my husband, Mister XXXX XXXX XXXX and my son, Mister XXXX XXXX XXXX. If Nelnet refuses to give me a meeting then there can not be any account and I do not owe any money for any U.S. Department of Education Student Loan ( s ). 
Further, I reserve my rights to file in Federal Court against Nelnet for this constant abuse with not providing me with full account access and refusing to comply with a Freedom of Information Act request for a meeting and any other harm. Here is the video link proving that there is NO browser problem : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: AES/PHEAA
State: TN
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:
I originally filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and the company responded on XX/XX/XXXX. In short, back in XX/XX/XXXX, my spousal consolidation student loan with American Education Services ( AES ) was placed into forbearance against our request. When our monthly account payment was not debited as normal on XX/XX/XXXX, I called American Education Services ( AES ) and was surprised to learn that our loans were placed into forebearance. Since that time, I have been engaged with AES through approximately 10 phone calls and multiple hours on the phone to correct the forbearance issue and also resume a similar monthly payment schedule on our loans. 

As of late XX/XX/XXXX, AES did correct the forbearance issue and was able to remove the forbearance from the account and correct other delinquencies which were listed on the account as a result of the forbearance error. We appreciate these corrections. Due to the forbearance, however, AES also explained that they had to redisclose the terms of our consolidated loan because the account was placed into forbearance. I was originally told that my new monthly payment amount would be {$560.00} and would be auto debited on the first of each month to begin on XX/XX/XXXX. Unfortunately, no payment was debited from our account on XX/XX/XXXX as promised/stated and I had to log in and do a manual payment after XX/XX/XXXX. I have been regularly monitoring the account through XXXX and I can see that the direct debit payment amount is still incorrect and the payment terms that I have been quoted multiple times have also not been updated. 

Since being assigned an AES senior account specialist, XXXX, I have been assured that the terms of our loan would be redisclosed with an end date in XXXX and that our monthly payment amount would be approximately {$560.00}. When I log into my account on-line, however, AES is showing my monthly payment amount of approximately {$350.00}, but this is incorrect. I want to request that AES update my online account and monthly direct debit to the amount and loan terms that I have been quoted multiple times on the phone. Again, the monthly direct debit amount should be close to {$560.00} with the loan repayment being completed sometime in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$3100.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00}

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 explanation
Consumer complaint received 2020-07-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im a XXXX XXXX, I applied and was approved for a ppp loan, my funds was deposited into my navy federal personal checking account and they decided to freeze my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX, TransUnion, and XXXX  continuing to report inaccurate information. 

They have multiple accounts that show still open yet in collection and have recent payment history, yet I have never had such accounts and no proof of documents with my signature were provided, how is this continuing to be report? I request and demand that they are deleted from my credit profile. 

This is my third attempt in attempting to remove inaccurate accounts and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validate this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.

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 2020-07-02
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account XXXX was terminated by a hacker. i m a XXXX  and XXXX  for more than 15 years with paypal and XXXX my the account was hack the money gone the account closed .Had to open another account same email and owner.Want the money for this transactions : there are 3 transactions I dont play on line video games Invoice ID : XXXX XX/XX/2020 XXXX XXXX Transaction ID : XXXX XX/XX/2020 XXXX PDT Transaction ID : XXXX Invoice ID : XXXX XX/XX/2020 XXXX PDT Transaction ID : XXXX Invoice ID : XXXX Transaction ID : XXXX for XXXX EUR to XXXX XXXX XXXX is a fraud. 
Transaction ID : XXXX XXXX EUR to XXXX XXXX XXXX is a fraud Transaction ID : XXXX XXXX EUR to XXXX XXXX XXXX is fraud I m a senior with limited income please help. Canot make phone calls to paypal lines are down for the pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below XXXX 2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BROKER 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX,XX/XX/XXXXNEW AMERICAN FUNDING XXXX, on XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX and on XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
About a month ago I applied online for a credit increase on my credit card. I have never missed a payment or have ever been late. My credit score is XXXX. I did not receive a letter or email of acknowledgement and they did not do a credit check on me, according to my XX/XX/XXXX hard inquiries. Monday, XXXX, I called the credit card company and they told me that I had been rejected and did not give me a reason, and no forthcoming letter arrived. I believe the credit card company is retaliating against me because I had a complaint with affiliated credit card that I also hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$3100.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Marlette Funding, LLC
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: Problem with personal statement of dispute

Complaint:
XXXX  recently removed a bankrupty dismissed remark from my account associated with Best Egg. XXXX  and best egg blame each other for reporting the remark and I have filed several disputes to both parties neither stated why these remarks were ever reported on my credit or where they came from. Unfortunately my points on my credit score did not change after bankruptcy dismissed was removed. When the bankruptcy dimissed remark was reported to my account XXXX of 2019 my credit score dropped 87 points. I additionally lost 4 points each month each time I made a payment to the best egg account. My score still remains the same as if I had the bankruptcy remark still on my account. XXXX  only removed the remark over the phone and not during any of my disputes that I have filed. They did not state the reasons it was removed which would confirm that the remark was never associated with me and never had a house to receive a bankruptcy. Yet my credit score recieved deductions for a remark not associated with the user. A letter was sent with pictures to XXXX  showing how the bankruptcy remark dropped my credit score. A special handling supervisor XXXX XXXX stated on the phone that even after seeing the points deducted that was never returned that they could not change the points. If a remark was associated with my account that didn't belong to me than it dosent make sense for my points to reflect deductions not related to my own actions or credit use. Bankruptcy dismissed remarks effect credit scores so not sure why after removing the remark my score remained the same. I have documentation of the effects each month. After mailing the letter of evidence XXXX  did not acknowledge it until I called several times simply to get any response. Each person on the phone gave different response to the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of prior complaints. Now they show me 60 days late, in default, and intent to foreclose. I have sent all the payments. I can not control what they do with them. It seems as though this is some kind of racketeering scam or criminal activity to extort extra money out of you by threatening to foreclose and harass. Receive phone calls constantly and usually letters every other day, and/or every Friday. Have an ulcer from this.What do you do when they don't process your payment. We have lost 2 sales on the house. Can't sell because can't get financed for a new one because they've wrecked my credit and won't fix it and neither will the credit bureaus. How are you allowing companies to do this. XXXX XXXX transferred to them XX/XX/2018 & I have been living with this. I understand that XXXX XXXX is guilty of this in 11 states. Is Specialized Loan Servicing affiliated with XXXX XXXX or an arm or co-conspirator to defraud. They only do this to customers paying on time, and then say you have not.PLEASE STOP THIS ; PLEASE FIX THIS. WE NOW HAVE A 3RD POTENTIAL BUYER. All have been at asking price. I almost throw up every time I get a letter from these despicable pieces of garbage. On top of all this, it wrecked our chance at a reverse mortgage to get away from them. THIS HAS TO STOP NOW! I will not tolerate this any longer, my health is in jeopardy. We are senior citizens and my husband is a veteran that's had 2 strokes. If either of us die from this harassment, I will make sure that the estate sues everybody, forever! There must be some recourse and you must have some authority to revoke their license and put them out of business. It's not just for us, but for the others that they've done this to that I see online. Attaching file with docs from them and updated Exhibit A & B with all my payments and usps receipt numbers. PLEASE, PLEASE, PLEASE DO SOMETHING THIS WEEK! I can't take anymore of this.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. 


To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. 


Sincerely. 
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 non-monetary relief
Consumer complaint received 2018-05-10
Company: D&A Services, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After several intimidating calls from D & A Services to collect a debt for XXXX XXXX XXXX, I made a payment in ignorance to them on XX/XX/XXXX in the amount of {$100.00}. After I called XXXX XXXX XXXX to inquire about the account, I was told it was discharged and closed. Therefore D & A Services falsely impersonate themselves to collect this debt for XXXX XXXX XXXXXXXX. I requested D & A Services to provide me a legal binding signed  agreement between them and XXXX XXXX XXXX to collect this debt for them. They sent me copies of old statements. I sent a certified letter on XX/XX/XXXX asking them not to withdraw from my bank account until they are able to verify their legal binding to collect the said debt. They were not able to provide me with this information. On XX/XX/XXXX they withdrew the amount of {$270.00} from my bank account without my consent and still have not furnished the information requested. I called and requested a refund of ever dime they ever took from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Colony Brands, Inc.
State: IL
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:
I have been a with XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my XXXX XXXX, XXXX  and Experian credit report, are all fraudulent : XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-08-30
Company: ResidentCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt resulted in termination of lease over 2 years ago, ,no info was ever recieved until now ... we moved to a house we settled the acct from the previous apt company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/20, I filed a complaint with CFPB against PNC Mortgage compliant ID XXXX. 

On XX/XX/20, I received a phone call from PNC, stating that I was on a RECORDED LINE and the lady wanted to speak to me regarding my complaint with CFPB. I ask why are you calling my home and anything that you want to speak to me about should be put in writing and submitted to CFPB. I also stated that when I tried to resolve this issue no one wanted to speak to me and was passed around to different people like a basketball!! 

I REQUESTED THAT PNC, NOT CALL MY HOME AGAIN AND TO SUBMIT THEIR RESPONSE THROUGH CFPB. 

PNC TRIED TO RECORD ME!! 
I want it on paper in case I need an Attorney to get this issue resolved

Company response to consumer: Closed with explanation