BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I enrolled into XXXX XXXX XXXXXXXX back in XXXXXXXX XXXX I only attended for a total of XXXX  semesters. Over the years I have tried HUNDREDS of times to contact XXXX XXXX XXXXXXXX to find out how and why my loans amounted to over $ XXXX when I didnt even complete an entire year there. Worse, because of my age they told me the only option for me to enroll was by forcing my father to co-sign for me. I would leave voicemails, messages, complains and never once received a phone call, email or any sort of correspondence from them. 13 years later Im still getting harassed by Nelnet to pay even though the school shut down years ago. I filled out the paperwork to see if I could get the loan forgiven because apparently the school was a scam, but no matter what I did-I never received any follow up. Then when Nelnet over the student loan, they lied to me telling me getting all of the balances put together would make it more organized and I wouldnt continue to receive numerous letters in the mail with different balances because they would all be accumulated into one. I only agreed to it due to how they explained it would make it more paper-efficient and organized. I didnt understand or realize how much that would XXXXXXXX XXXX XXXX because when Ive asked for itemized statements, they tell me they dont have it and cant see it because theyre all combined and I need to reach out to the official school or the Department of Education . And since the school no longer exists, and even when they did they never called me back and they were out of state so I never got to talk to them again. And the Department of Education never answers or worse, if they ever did over the years they would tell me to talk to Nelnet because they dont have the loan or any information!!! Nelnet just loves to pawn you off to someone else, blatantly lie to you or just hang up on you!!!! For the last three years I have told them to leave my father alone and to remove him from my accounts and to STOP contacting him. To cease and desist because he has nothing to do with the loan. They consistently said he wasnt on it and they wouldnt email, call, send mail or anything to himyet they constantly do!!! When theyre on the phone with me they tell me I have one balance and nothing else. Then I bring up the mail he STILL gets even though theyre not supposed to talk to him and then they claim that balance is about someone else, not me. But then when my mom calls, they tell HER the balance is mine and they need to pay it!!!! Theyre liars. Theyre scamming and trying to get my parents to pay on a loan that doesnt exists but when I call they tell me its not true!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX card was cancelled ( all cards with Comenity were cancelled ) and I paid off the balance due in XXXX of XXXX. I have NEVER been late with this company or any other in the last 5 years. I had always received e statements on this account. Apparently they added a minimum interest charge of XXXX to the account creating a balance due. I did not receive any statements or any other contact after that time until the second week of XXXX. I received a collection call telling me that I had a past due balance. the total amount is as follows : 1. Balance due XXXX Not shown online 2. Late charges XXXX x 2 XXXX 3. Minimum interest charge XXXX x 2 XXXX Total amount due XXXX Paid in full XX/XX/XXXX I talked on the phone with a representative and although I felt ripped off I paid the balance so as not to wreck my credit score. I asked if because this was a one off event if they would defer to record it to the credit bureaus. The representative was not helpful. The net result is that it dropped my credit score by 51 points. I would advise anyone to avoid Comenity at all cost, they are extremely dishonest and a complete rip off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX ) XXXX XXXX XXXX bank for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB

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 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint pertains to equal access and management of a joint credit card account. 

My wife and I are joint account holders of the XXXX Mastercard, a credit card we have held for over 14 years. Recently, card administration was transferred from XXXX Bank to Capital One. Since Capital One assumed this role, I no longer have online account access, can not activate mobile wallet features for the account, can not make payments, view transactions, or do much of anything related to the card. 

When I call customer service, I can not complete any of the tasks without my wife being present to verify her identity. 

Despite being opened with XXXX Bank as a joint account, Capital One does not treat me a joint account holder. They simply say arbitrarily that my wife is the primary account holder and I am the secondary account holder. In contrast -- and appropriately so -- they do not consider me an " authorized user '', " co-signer '' or " guarantor ''. Both of our credit reports reflect the account as a jointly held. All payments to this credit card come from my checking account and between the two of us, I use it an order of magnitude more than she does. 

Ironically, we are also joint account holders of checking and savings accounts with Capital One as well. However, online access and management of these accounts is unimpeded. The issue is isolated to the credit card. Additionally, it is because I am a joint account holder that I for some reason can not be delegated account management privileges through Capital One 's online dashboard. 

We have other jointly held credit cards where access and management are not a problem for either of us. When the XXXX Mastercard was administered by XXXX Bank, these were not issues. 

Given that both my wife and I are equally financially and legally responsible for the joint account, I believe we are both entitled to account access and management privileges. Unfortunately, I can not function as a responsible account holder without impersonating my wife ( with her permission of course ) either online or over the phone. 

I have called Capital One several times over the last 2 weeks, and spent several hours, attempting to re-instate online access, re-activate mobile payment options, and manage other account-related tasks without effect. I have initiated a complaint with the XXXX XXXX XXXX without resolution. 

If it were not for our interest in maintaining benefits with XXXX, we would simply close all of our accounts no longer bank with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Hello : My wife returned from XXXX last XXXX XXXX 2015 by XXXX XXXX from XXXX XXXX XXXX ( XXXX ) to XXXX NC ( XXXX ), she had to pay baggage fee for only XXXX suitcase, she paid R {$260.00} ( which are shown in the Discover monthly statement as {$85.00} ) equivalentto {$81.00} USD ; some days later I received the credit card monthly statement from Discover with XXXX charges : XXXX XXXX $ XXXX MISC SALE/ TAX/ XXXX BAGXXXX XXXX XXXX XXXX $ XXXXXXXXXXXX XXXXBy the charge description in the monthly statement I assumed R {$260.00} corresponds to {$85.00} USD then I decided to call Discover Credit Card Customer Service Department so as to explain the situation, only XXXX charge should be valid. 
They initiated the dispute for {$81.00} because I have a receipt from XXXX XXXX Baggage Fee with the amount of R {$260.00} which would correspond to {$85.00} USD ( According with the credit card monthly statement ) ; Discover opened a case # XXXX. 
I received an email from Discover ( exactly XXXX month later ) with the resolution in favor of XXXX XXXX. 
There were some documents attached from XXXX XXXX where they show {$81.00} USD corresponding to the R {$260.00} ; then I contacted XXXX XXXX and asked about the transactions from my wife credit card the day she traveled, XXXX XXXX only XXXX transaction for the baggage fee corresponding to {$81.00} USD ; they did not recognize any charge made by {$85.00}. 
Then it seems the description in the Discover monthly statement was wrong too. 
Well, now everything indicates that {$85.00} is the amount that should be in dispute instead and for that reason I requested to open another dispute case ( # XXXX ), but this time for the {$85.00}. Exactly XXXX month later ( yesterday ) I received an email from Discover attaching only the copy of the receipt from XXXX XXXX showing the R {$260.00} as an answer from the dispute case, but it does not say how many dollars would that amount represent. 

So this document does not show that {$85.00} corresponds to R {$260.00}. 
The XXXX dispute case showed {$81.00} which corresponds to R {$260.00} ( and it is correct ). 
Now Discover is convinced that this receipt from XXXX XXXX represents a valid argument to charge me with {$85.00}. 
I am a customer who pays the monthly statement complete every month, I am contacting you because I feel Discover is not taking my case ( as a customer ) in the correct way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive tried disputing this account reporting inaccurate information on my credit report, I would like proof of validation of this debt they claim I owe which is {$5100.00} and if the validation doesnt produce a signature with my name on it I would like this deleted from my credit report, because this is really hindering in my life and causing a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Paramount Recovery Systems, L.P.
State: AL
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:
Upon reviewing my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company. It has not been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Self Financial Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I remitted payment to this company a year ago by mail. I sent certified mail to the address listed. that mailing correspondence was returned but not to me or the return address on the envelope. those documents bear my restricted signature and legal tender for the credit of this account. if they do not accept for deposit my legal tender or return it back then they are in violation. they are reporting on my credit profile information that I have disputed with them overhear ago, to which they have not marked this account under dispute during that time period which still continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: DISCOVER BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
You did not offer the the question I really needed. I never did business with this company. At the time they stated I applied for the loan I was dealing with a sister that was XXXX of XXXX. On some of my credit reports they state I owe them over XXXX dollars and its a charge off. Then on other reports they are saying that they charged off a little over XXXX dollars. I am a victim of identity theft because a lady squatted in my house and stole my identity, including filing income taxes under me. This is a complete nightmare for me, and is really hindering my XXXX, because I am a XXXX XXXX XXXX veteran. I tried to move, and this came up on my report. I have a police report showing that this person squatted in my home. I need help because where I live right now is to dangerous. I also found out through research that this company goes under three different names. For example I went to a bank to start a savings account and she stated I owed them for a credit card, I stated I never had one with them and she for my address and she said that was not the address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
This two accounts still on my report and they shouldn't I have tried to resolve the issue with the bank but nothing has been done. Per FCRA the account are 8 years and months old it's past the 7 year maximum that the account can stay in the my credit files this information needs to be remove by law.

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 2018-02-19
Company: Convergent Resources, Inc.
State: MA
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:
I paid this account back on XX/XX/XXXX @ XXXX. I spoke to a XXXX XXXX who recieved my settlement payment in the amount of {$190.00}. He then told me it would take 3 to 7 business days to recieve a settlement in full email. The issue that I am having is that the status was updated in XX/XX/XXXX with XXXX  with the new information. XXXX still shows the account as open and it is also being updated every month. The last update was on XX/XX/XXXX. I have sent numerous requests to XXXX   and have not recieved any response to my letters regarding this fact. I worked hand in hand with a HUD approved agency to remedy this issue.

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 2022-09-07
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Barclays Bank Delaware will not let me transfer monies to a verified and established external account to XXXX Access or vis [ XXXX XXXX, XXXX. ]. On XX/XX/XXXX XXXX test XXXX Access labeled as " XXXX '' were sent to Barclays, on XX/XX/XXXX XXXX test deposits from Barclays Bank Delaware labeled as " XXXX XXXX XXXX '' were confirmed. However, this was not good enough for Barclays who grayed out my account access to XXXX to transfer then and not being able to verify the amounts. I could not understand, I was told that in addition that either a bank statement or proof of account ownership letter must be sent to Barclays and since my account with XXXX was less than XXXX days I had no statement, that XXXX drafted a proper letterhead of account ownership. Barclays, then rejects my questions and dodges why in fact, is the account an issue, other than being told acocunt verification being factuated and the letter dated XXXX  was sent to XXXX ( mandatory ), Barclays ignores my email which were sent via their internal messaging system and inform me only to call into customer service, when I do, I am given a temper by a phone banker for the verification, which I inform, has already been done and demand as my right to know what exactly the security issues ( if in fact there is XXXX well grounded ) is and since its my monies, I need to know. Barclays refuses and drops off my communications in all formats. I am left in web reverting only back to where I start and each system over again. This issue has been initiated on XX/XX/XXXX, this is now XXXX  ( XXXX ) days ongoing. Barclays, as I allege, are holding my monies XXXX. I am able to append and include more additional evidence and logs of the ongoing matter to justify the complaint if needed.

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 2019-04-19
Company: Home Point Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home in XXXX of XXXX and the loan was quickly sold to Home Point Financial. I received my first escrow analysis statement in XXXX of XXXX showing a very large escrow shortage, causing my monthly payment to increase by over {$250.00} starting in XXXX of XXXX. Examining the statement further along with the closing documents from when I purchased the home, I saw that the problem was that Home Point made a duplicate tax payment to my county. This payment was unnecessary due to the title company already making the payment when I closed on the home. I contacted Home Point immediately and the process took nearly 5 months to complete. Initially Home Point told me I needed to contact my county, then my county told me I needed to work it out through Home Point. I called Home Point many times throughout this process for updates. Each time I was told there was a note in the system that everything should be completed by a certain date. I would call back on that date and of course it wouldn't be complete. I asked every representative I spoke with, including managers, to proactively contact me when there were any updates on the situation and not a single representative or manager called me at any point during this process. At long last, the county sent a refund check and Home Point processed a new escrow analysis to bring my payment back down, but I had to make 2 mortgage payments at the higher and incorrect amount while this was being " worked on. '' I asked multiple representatives including a manager named XXXX if I would be able to be refunded for the extra amount I was being forced to pay due to their mistake, and multiple times I was told " yes. '' I called today to ask about the refund process for the {$500.00} or so that I over-paid and was told that no refunds would be given. It was Home Point 's mistake that forced me to pay an extra {$500.00}, and their poor customer service and dishonesty has led to me just being out that money with seemingly no recourse.

Company response to consumer: Closed with explanation