BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: Nelnet, Inc.
State: FL
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 filed my PSLF in XXXX of XXXX. I called XXXX and Nelnet in XXXX of XXXX and was told that everything is in order but it evidently takes over a year to process. I have been XXXX  since XXXX and making my payment since then, but have stopped making my payment. Now Nelnet is still sending me a bill. Is this legal to approve PSLF then still expect payments a year later? Sounds to me like Nelnet is stealing. When I call XXXX they say just waiting on Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be fixed from erroneous reporting in my file. 

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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The company closed my accounts after somebody stole my card an deposited to bad checks in my account an withdrawed the money now they want me to pay the money back

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 2019-10-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Froze my Equifax account about eight months ago in an attempt to stop fraudulent credit checks, and incorrect reports harming my account at all. I then made an effort to unfreeze my Equifax account about six months ago, when I was moving. I was able to move, but the freeze was still on my account. I contacted Equifax about the freeze and was told that they would send me documents to unfreeze my account and verify my info. I was told it would take 6-8 weeks for the documents to arrive. They never arrived. I tried to contact Equifax earlier today about the same issue, as I have been trying to adopt the bills for my new residence in my own name, so the property management would not have to pay for my account. I called Equifax and was asked for an incredible amount of information, about my SSN, DoB, former loans, and credit lines. After answering all of these questions, I was told I would have to send a copy of my driver 's license and my SSC to Equifax for verification.

Since the documents they supposedly sent were all lost, I am not inclined to send any sensitive information through the mail, especially when I need to access my account today and begin utilizing it. I asked to speak to managers and supervisors when I was on the phone with Equifax, but I was eventually hung up on, by someone I don't believe I ever talked to. I was on hold to talk to a manager that was two positions higher than the person who I initially talked to on the phone, so I assume the manger there has no real concern for the consumers they are supposed to be serving. I have been trying to get my own credit report unfrozen and usable for the past six months, with Equifax actively working to make sure I am unsuccessful. They knew that if they hung up, I would have to fight through that whole process of giving info again, and most people can't deal with that much stress, especially when working six days a week and taking some time from having a single day off to try and solve this issue.

I need assistance in getting my account unfrozen, because it seems obvious to me that Equifax has no interest in doing so. I've talked to about nine " different '' people on the phone for them, and I have not had anyone give me any information, or really, any help at all regarding this manner. They all read form a script and try to placate me as if I am ignorant of how things work. I understand how things work, and I understand that if I were to send my information in the mail, I would probably find myself in this situation again after heaving my info stolen. I am not volunteering my information to whomever finds the copies on my driver 's license and SSC. I need my credit account unfrozen, especially when I've literally given them my credit history and have spent over ten hours on the phone with people who seriously do not care at all about the people to which they're responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Tried to submit a little earlier. Had password problems.This is the 2nd time in two months that I have been blocked by someone.I was sending $XXXX  to a friend in XXXX.  Yes I know them and have previously sent small amounts of funds.  Then in XX/XX/2019 I was blocked by someone thru Western Union, XX/XX/XXXXand XX/XX/XXXX counter on international wires.Submitted a complaint to Western Union and CFPB.  CFPB sent me a update on XX/XX/XXXX  Showed that I was not blocked by Western Union.I went to wire $XXXX to XXXX at XXXX XXXX in XXXX XXXX Texas this morning.Read out a refusal code of XXXX XXXX.Could not send funds as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Nelnet, Inc.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I and many others according to posts on XXXX received an email from Great Lakes Loans that the loans would be transferred to Nelnet. According to federal student aid, they are the same company. The email I received from them states that the account will be closed and a new one opened up. 
" XXXX : Great Lakes will report your account ( s ) as closed due to the transfer. Nelnet will then open a new account ( s ) with the same total balance for each loan you have, and report your student loan ( s ) to the four nationwide consumer reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). Within 90 days of the transfer, these changes will be reflected on your credit report, and Nelnet will continue to report on your federal student loan ( s ). '' As this is a close old account and open new account situation, this will very likely have a negative effect on my and many other 's credit scores, when in comparison there is supposed to be a name transfer which would supposedly keep the account age intact, and supposed to not impact credit scores, according to the 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 2021-09-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
i believe im not being credited and that my girlfriend is being credited instead, somehow me and my girlfriends social security number is mixed up, i recently financed a car at XXXX XXXX in XXXX il on XXXX XXXXafter six months i realize i wasn t being credited for the loan on the car in which i was making payments too, i furthur realize my girlfriend was being credited instead of me somehow the car lot mixed up our social security numbers and that is why im not being credited

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 2022-03-22
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: Was not notified of investigation status or results

Complaint:
I would like to ask for your help regarding these unauthorized inquiries in my credit report. Been reporting these for two months now but they haven't gotten them off of my report.

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 2020-10-23
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:
I want to sue Bank of America since because of them I was defrauded. 
3 days ago I sold a trailer to a guy that sent me a check, I cash out that check in my account and later on we decided not to do the operation. So he asked me to send him the money back and I did it through XXXX in 2 transfers. Those transfers were on hold by Bofa until I called them. I talked to their FRAUD DEPARTMENT and they double check if the check had funds before approving the transfers. The lady, dont remember her name but have to be the recording available, told me that everything was ok and that she was gon na approve the transfer. That was yesterday.

Today at noon, they took back the money from the check and Bofa doesnt want to be responsible for anything, since, if they would told me that the check can be reverse until 30 days and they can not guarantee the funds then I shouldnt send the money back to the guy.
And now im seeing that that scam is the first one on the list. So, how is possible a person that suppose to know more than anyone about scam was unable to think that was a scam? Was the point to have a bank account if they can't take care of my money?

Oh, today I was trying to make the report to them for HOURS by phone and I even went to the Bank Baranch and they were totally useless.

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 2020-10-23
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report today and there was a major derogatory account noted in the amount of XXXX $ to a Consumer Adjustment Co. and it says its for XXXX XXXX XXXX it says the account  was opened on XX/XX/2020, i have not had any interaction with opening any account for medical services on this date and have no idea what this is, I tried calling the number for the CONSUMER ADJUSTMENT CO, and got a voice mail ; their info is CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This hit my credit score and brought it down 60 points and is not even mine!! please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Synovus Bank
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently had received a late fee charge because this company only allows you to pay through bill pay through your bank so when it tried to take the money I didnt have it in there so I was charged double from my bank a late fee and return fee and on this credit card the same thing happened ( return fee and late fee ). Im on unemployment and been trying to make mends meet so I called to see if I can have the late fee removed and not let it be shown late. She said no and still charged me an outrageous {$29.00} and {$40.00} fee with no consideration or relief. The company already makes it hard to even pay your bill on time and have it programmed this way so you always fail. Once I pay back I hope I get my FULL REFUND of {$500.00} since it was a secure card and thats all my money to begin with. Otherwise Ill be back on here again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a new Chase Checking + Savings on XX/XX/2019 by using a promotion code provided Chase's website - XXXX?XXXXBy fulfilling the terms of service, I was expecting $XXXX as stated on their own website. "Enjoy up to $600Get $300 with a new checking account and another $200 with a new savings account with qualifying activities. Plus get an extra $100 bonus when you do both!"Now, Chase is reneging on the offer stating that a promotion code was never applied to my account and therefore, I am ineligible for the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: DISCOVER BANK
State: GA
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:
In XX/XX/XXXX I applied at the same time as my husband did we both submitted the the same household income his credit score was about XXXX my score was about XXXX. My husband received a credit limit of {$9000.00} and I received a credit limit of {$4500.00}. I contacted the company today online and below is the explanation I received from the company today XX/XX/XXXX regarding this matter. 

Discover You're very welcome and thank you so much for your patience today. Keep in mind that messaging is a conversation that stays open to you so you can come back whenever you want. We'll respond to you as soon as possible and send you a notification once we do. I can certainly understand your concern in why your approved credit line wasn't quite aligned with the same household income as your husband. Just know that we process applications for the maximum credit line you may qualify for. Everyone 's credit information varies and that's how credit lines are determined. However, you can request a credit line increase after 3-6 months. Was this information helpful?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: VA
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:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was never late. Thanks. 

In accordance to the fair credit reporting ( FCRA ) act Experian has violated my rights in pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions. The FCRA is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is fair and accurate. Experian is inconsistent with several accounts across the three credit reporting agencies and 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 2020-02-04
Company: EQUIFAX, INC.
State: NY
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON MY XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received my US Bank Relia Card with my unemployment money on it. Then about a month ago There were 4 XXXX XXXX ( {$220.00}, {$100.00}, {$60.00} & {$39.00} ) charges made to my card the I did not authorize. ( I do not use XXXX XXXX, XXXX XXXX, or XXXX XXXX ) They were made in California and I live in Pennsylvania. I immediately called Relia Card and spoke to XXXX & she said this was huge doing to PA people 's cards they would open a dispute and send me out paperwork to fill out to get it resolved and I had to pay {$15.00} to get my card over night to me. I filled out the paperwork & faxed it right in. The money was then returned to my account. The day after getting the new card again someone charged a XXXX XXXX in California for {$55.00}. Again I called and this time I explained what happened and was told a new card would come out to me. I asked to speak to a supervisor in the fraud dept and was on hold for over 2 hours not speaking to anyone so I hung up. I had not even authorized that new card yet. This afternoon I went onto the account to check about a charge and found again that someone had charged a XXXX XXXX from California for {$46.00}. Also the charge for the {$55.00} was taken off my account activity listing but not back into my account. Infact the account is missing, {$0.00}. Again I called and again Relia Card speaking to XXXX who said I would have to have a new card sent out to me again but before that he wanted me to speak to the fraud dept and placed me on hold ( 2 hours again ) to get to the fraud dept with no one answering so I hung up. I am getting tired 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 2019-08-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL,  OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: IL
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 requested the credit bureaus to verify the information given on each credit card that was being reported on my credit report, they were not able to verify it but is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Professional Debt Mediation, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My last attempt was made XX/XX/2023 PDM was sent a cease and desist notice in the regards of this debt. I have made many attempts to show PDM I do not owe any alleged on many different occasions. They continue to submit documents which doesnt show I owe any debt I allegedly. I have sent this company proof payments and have also uploaded them into this system as well. They can not fully verify this alleged debt. Submitting amounts isnt verification of any debt or a statement that states I owe any debt isnt a form of verification or verifying I owe any debt. Which is required for any debt collector to verify all alleged debts. Lastly, PDM isnt even licensed to act as a debt XXXX in my state. This will be my last attempt or I have to seek legal action on this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EQUIFAX, XXXX and XXXX XXXX XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

Company response to consumer: Closed with explanation