BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-31
Company: Nelnet, Inc.
State: WA
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 graduated XXXX school in XX/XX/XXXXand finished residency in XX/XX/XXXX. My student loans came due before I finished so I had to consolidate because otherwise our monthly cash flow would be unsustainable. The original amount was ~ {$110000.00} and the interest rate was ~6 % which was the weighted average of the interest rates of all the individual loans I initially signed. I signed up for auto pay and received a slightly lower interest rate ( 5.75 % ) and a {$4000.00} onetime bonus. At that time, the holder of the loans was XXXX XXXX ( I believe ) who then sold it to XXXX  who held them for about 12 years. The consolidated payment was $ XXXX/month but I began paying {$770.00} in an effort to reduce the principal. More recently, XXXX sold the loans to Nelnet and my first monthly statement from them showed my minimum monthly payment was {$770.00}. This alarmed me because I wanted to insure that the extra $ XXXX/month was credited to the principal to keep paying it down. I called Nelnet about the change and was reassured that the actual monthly payment due was still {$660.00} and that my extra payment was going to the principal. Just today however, I contacted a lender about refinancing one of my houses and during the information gathering, he told me ( while looking online at my credit score, loans and other financial obligations ) that the Nelnet loans ( I was unaware that there were actually 2 loans since I have only been making 1 payment the entire time ) had an interest rate of 7.4 %!! None of my individual, original loans had an interest rate this high! I've been making steady payments for over 15 years and have never missed a payment. I realize that amortization loans have high upfront interest payments but my outstanding balance of {$74000.00} still seems like an enormous amount given the fact that I've been making $ 101/month extra principal payments for over 5 years. I'm so upset and feel like I've been cheated by XXXX or Nelnet and didn't know where else to turn. The lender with whom I was speaking told me about CFPB so I'm reaching out to see if I can get clarity on this issue. I want to believe in organizational integrity and the general honor of mankind so I hope this is just a misunderstanding on my part. My fear is that my payment of {$770.00} was adopted by Nelnet as the minimum amount and that the interest rate was altered to extrapolate that over the term. Any clarity on these matters would be so welcome and would really bring peace to my heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enquiries 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 2018-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have a free account with Experian. Recently I have decided to delete my account due to several reasons : 1. Data breaches at various services make me feel unsafe to store my data online.

2. Experian service provides incorrect information about my credit scores.

3. Experian has 1 star rating on ConsumerAffairs with tons of complaints.

I have called company 's hotline, but after spending 10 minutes " talking '' with robot, when it discovered that I am a free user, robot said " you are a free user. good bye ''.

I believe that users should be able to verifiably delete account at any financial services. I need to be able to delete my account and data 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 explanation
Consumer complaint received 2018-03-31
Company: Seterus, Inc.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I filed for bankruptcy ten years ago. This company acquired a mortgage that was cleared in my bankruptcy case ten years ago. Firt they reestablished the debt on my credit report as a new dept. when i called them they told me i had to pay them regardless of the bankruptcy. Now they issued me a XXXX  for income. According to them since i didnt pay this ten years ago they want me to report it as income. This is the second issue with this conpany. Im working towards repairing my creidt theae people continue to aet me back. The debit cleared by the court was not income i never recieved money in my pocket this was money paid from one mortgage comapny to another. Please help me to get this XXXX  reveresed and get this comapny to leave me alone. They causing me extreme distress in a chapter in my file that should have been closed for years now.

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 2018-03-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several attempts made dispute XXXX XXXX with all 3 bureaus from the time frame of XX/XX/XXXX to present. All agencies responded that the account was verified. I then requested each agency provide physical proof of verification that was used to verify account as of date no documents have been received as of yet. I went a step further to request directly that XXXX validate the collection account reporting on file. This request was sent certified mailed confirmation shows it was received XX/XX/XXXX. However as of date XXXX has failed to validate debt, respond to my request and they continue to report inaccurate information that I have no knowledge of.

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 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I received an email on XX/XX/2018 from my Transunion account stating my credit dropped 36 points. I called and was told they could not offer me an explanation as to what caused it to drop, they reviewed the 6 factors that may have cause it, I explained nothing had changed from XX/XX/XXXX to XX/XX/XXXX to  have caused that drop. They offered me a copy of my credit report. Once I received and found no changes from XX/XX/XXXX to XX/XX/XXXX that could have caused a 36 pt drop I called again. I spoke to XXXX ( XX/XX/18 ),  XXXX explained the 6 factors and went over my accounts with me which I explained they were all the same, nothing has changed. XXXX could not give me a reason for the drop, I was transferred to a Supervisor XXXX. XXXX also could not explain why it dropped 36 pts but explained he  would remove a few accounts that would be dropping soon anyhow. About a week later my score went back up to XXXX. On XX/XX/XXXX I got another alert that my score dropped 39 pts and the 1 change in my report was a balance decrease of {$310.00} on my XXXX XXXX. I have been working on my credit for some time now and having Transunion dropping my score by 36 and 39 pts at a time is causing a huge hardship for me, especially when they can not explain why its being dropped. I can not work on fixing a 36/39 pt drop when they can not explain the reasons. I hope you are able to assist me with 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 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday XX/XX/2022 I deposited {$4800.00} in cash at bank of americas atm on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The atm asked me if the amount i was depositing was correct and i clicked no for it to return my money. It only gave me back {$4000.00} and kept the rest ( it attempted to give me back the rest but quickly swallowed it back inside ). 
I went inside and spoke to the branch manager who gave me a XXXX number and the atms serial number and advised I would be credited immeditaley while they invetigate. He also credited my account immediately with {$220.00} in fees for the inconvenience. It now turns that the investigation may take up to 45 days and they deny to credit the amount. Please 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 monetary relief
Consumer complaint received 2018-03-31
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter dated XX/XX/2018 on XX/XX/2018 and it states credit reporting alert and it states I have a balance with XXXX XXXX XXXX insurance for a bill of XXXX. I have never received a bill nor do I know why I owe a bill I asked the rep by the name of XXXX  and when I requested proof of debt she indicated she wouldn't be able to send it to me because she is the collection agency. I advised her I don't understand how she can collect if she doesnt know why i owe a bill. she then indicated she is not required to do so. I would like this removed from collections and not to affect my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company refuses to validate his debt, the collector agency that they sold his account to XXXX XXXX Could not validate the debt, therefore, gave it back to Carmax. I disputed the debt and they can not validate, Carmax needs to update the records and update all of the three credit bureaus that this account is not mine, and this is harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
Experian XXXX XXXX  XXXX Account number XXXX Experian violated my rights. Accordance with the Fair Credit Reporting ACT XXXX 15 U.S.C 1681 SECTION A ( 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. 15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  has blocked my credit file, therefore, preventing me from filing a dispute against companies who want to report and correct data. This problem is since XX/XX/2020. XXXX XXXX has failed to comply with the FCRA laws, I have been denied loans because they refused to fix information erroneous on my credit file

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 2020-11-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has blocked my credit file, therefore, preventing me from filing a dispute against companies who want to report and correct data. This problem is since XX/XX/2020. XXXX XXXX has failed to comply with the FCRA laws, I have been denied loans because they refused to fix information erroneous on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Had another XXXX XXXX and had to have a procedure for {$5000.00} was released from the hospital late on the XX/XX/2018 came home tried to make a payment over the internet and it did not allow me to do so. Tried to call the same evening and it would not allow me to make the payment over the phone either. I called on XX/XX/XXXX and was told that my house had gone into foreclosure today, and was told that if I had made 1 payment last night that I would have been fine. I stated that neither system would allow me to make the payment last night that is why it was not made yesterday. I have had ongoing health issues and they are aware of this. This is a scam to get more money from me or take my home away from me. I spoke with someone named XXXX today and he was just not helpful. He told me that I would have to call back on XX/XX/XXXX for the reinstatement amount. I want their records researched to prove that I tried to make this payment yesterday and XXXX XXXX tells me that he has no idea as to why it would not let me make the payment yesterday. Please see attached screen that I got on XX/XX/2018 when loan was still active.

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 2020-12-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, national credit systems received my request of dispute in their office at XXXX XXXX, per USPS tracking system, by certified number XXXX. To this very day they have ignored my request by not validating their claims of the money allegedly owed and the one month agreement they say I entered. I know that things are a bit slow becasue of the pandemic but they have passed the extra time to reply to me. Silence means they do not have adequate evidence to support their reporting and collection. Despite them not validating their claims, they continue to report the account to the credit reporting agencies amid collection and reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: AES/PHEAA
State: NY
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 have been participating in the XXXX XXXX XXXX XXXX program, certifying my employer annually and receiving updates on how many qualifying payments I have made yearly. This XX/XX/XXXX was the first time I've been made aware that 13 of my payments are no longer considered as qualifying payments. In XX/XX/XXXX, I paid XXXX cents more on a payment due in XX/XX/XXXX and XX/XX/XXXX. My loan servicer states this put my account in paid ahead status continuously for 13 months, therefore disqualifying all XX/XX/XXXX payments and a payment made in XX/XX/XXXX. I  paid the exact amount owed according to my repayment plan from XX/XX/XXXX-XX/XX/XXXX. It does not seem appropriate that {$1.00} could be applied to construe my account as paid ahead when my payments in XX/XX/XXXX were $ XXXX/month, and later closer to $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: AZ
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:
Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to XXXX, XXXX  and Equifax and I never received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX off some time ago and people keep contacting me to pay it again this time it is a new debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
Hello, I leased a XX/XX/XXXX XXXX XXXX from Ally financial in XXXX XXXX, CA from the XXXX XXXX dealership. I want to file a formal complaint because when my lease term ended and I returned the car in XX/XX/XXXX at the XXXX XXXX dealership ( because I move in XX/XX/XXXX to XXXX, CA ) I was charged months later for wear and tear fees but not properly notified of these charges. Due to their lack of communication to me, the amount didnt get paid until I saw it on my credit report. Now my credit is being penalized for their mistake. Ive been asked every time I call Ally what my new address is and every time they tell me they are going to update it they do not. In fact, I called them today and they still had not changed my address and Ive had to reiterate it on every phone call. Because Ally did not update my address ( even though I gave it to them many times ) or my phone number ( gave them that too ) they sent the bill to my old address and it went to collections. This is not my fault, and I paid the amount even without seeing the bill because I finally knew about the charges. Sadly that was after seeing my credit score drop 150 points. In my case, I did what I was supposed to and I did all I could to be a responsible leasee. I returned the car on time, I gave my updated information countless times and I called in to check the status of my lease return ( they said everything looked good ). I paid my lease on time every month for the three year contract with out missing any payments and I certainly wouldnt let all that hard work go to waste for a {$220.00} wear and tear fee.

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