BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I was told by my loan holders that I could apply for loan forgiveness if I consolidated my loans. I asked who I need to consolidate them with in order to get the loan forgiveness and was told there are several loan companies and the one they recommended was XXXX. 
Once I consolidated to XXXX, I asked how to get student loan forgiveness and was told my only option was that my loan would be forgiven after 25 years in repayment but I could apply for income-based repayment ( IBR ). 
I applied and was approved for IBR and was fine with 25 years because the amount that I needed to repay was something I could NEVER afford. 
I was in school for XXXX  XXXX XXXX but in my last year of school was given a XXXX  and not allowed to return to school. My appeal was denied. I then had the loan of a XXXX  with the income of a XXXX. 
Because so many things bad happened, I came to realize 25 years was better than never having the loans off my back. 
THEN, I heard about public service loan forgiveness so I had my employer send in a verification of employment and was told I did not qualify because my loans needed consolidated. I told them that I had my loans consolidated but then was told the loans needed to be with DirectLoans. 
I IMMEDIATELY sent in my application to consolidate with Direct Loans and am now on the right track. 
BUT, my complaint is the numerous times that I was misdirected by the loan companies. In particular, I had a time period from XX/XX/XXXX-XX/XX/XXXX where XXXX told me I was in the loan forgiveness program and in fact, I was not! 
It was not until I read an article that OTHERS were also DUPED that I realized this is happening to more people than just me. 
It must be understood that I went through a traumatic experience when I was kicked out of XXXX XXXX. I was preyed upon by these loan companies because my loans were HUGE AMOUNTS!! 
I now owe over {$340000.00} in loans that are held by XX/XX/XXXX ( {$320000.00} ) and XX/XX/XXXX ( {$16000.00} private loans ). 
I have written several politicians with no response. I've even written the President of the United States of America. 
I need help and will give you all information you need! I will attache the documents I have readily available. 
I trust you are the one that can direct me to a solution! 
* ( Please note : I attempted to acquire previous loan information from XXXX, XXXX XXXX, XXXX, NelNet, XXXX XXXX XXXX, and all other lenders that my loans were transfered between, but was told there were no records under my social security number. ) Thank you for your time! 
Kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged double by a Bank of America merchant in XX/XX/XXXX- XXXX XXXX. I paid the disputed amount in good faith until XX/XX/XXXX. XXXX XXXX never credit my account, Bank of America finally credited the disputed amount in XXXX of XXXX. I started subtracting the disputed amount in XX/XX/XXXX along with interest charge. I continued to pay my current month charges in full and was charged more interest each month and continued to deduct the additional interest charges along with the disputed amount. Bank of America has refused to credit my account for the interest which now amounts to over {$400.00}. They state that only the interest that is related to the duplicate charge is refunded not the interest on the monthly charges THAT ACCRUED DUE TO THE DISPUTED AMOUNT NOT BEING CREDITED. if the original disputed amount had been credited in the first place there would have been no interest charges since I pay off my balance IN FULL each month. I have called repeatedly and they tell me that they will review and never bother to notify me of the determination and in the meantime interest continues to pile up. This can not be legal. I plan to file in small claims court because today when I called once again, they finally told me that there is no way they are crediting the interest due to me. They have all the records and notes on the calls I have been making to them since XXXX of 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 monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I opted- out form receiving offers, the sale/resale and requested the suppression of any information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Chime Financial Inc
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Vendor shipped my package to another consumer. When I inquired to vendor by email I was ignored for 2 weeks ( sent 3 messages ). I contacted my bank, Chime Bank, to process a chargeback. Vendor contacted me stating that they received the claim and that it was their error ( they shipped to another customer instead of me ) and they offered to ship or to refund. I asked for a refund. A few days later they told me to contact my bank. Chime has no record of any representative of said vendor contacting them for the claim and now refuses to respond to my emails. All of their responses are copy and paste. The total refund due back is {$53.00}. My bank closed the complaint even with proof from the vendor that the error was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
Credit Acceptance XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.

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 2021-03-24
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow account was debited {$450.00} on XX/XX/2021 to cover wind damage insurance. This was despite numerous attempts on my part to provide the company with proof that I am already insured for this by the condominium association that provides for this. 

In XXXX, the mortgage servicer LoanCare , LLC requested that I upload a copy of hazard insurance documentation to a website they directed me to, which I did. I took me less than half an hour to get the info off of the webpage of my condo association and send it to them. Then the company wrote to me saying the info didn't show coverage included wind damage. It did, and I uploaded specific sections of the policy, and also had the insurance representative contact the company to clear up any questions. This all happened during a pandemic, and though it sounds simple enough, because their phone system is so Byzantine and customer service so poor, it has taken me over eight hours of my time to be on hold, talk with a person, and satisfy them that the insurance is in place. 

They still took the money out of my account, but when speaking with them, they have acknowledged that it was an error, that the insurance required is in place and they will refund my escrow account money once they receive the refund from the insurance company. I have requested that their error should not impact my escrow balance and that they should refund my money immediately, but my request to speak with a supervisor was ignored. 

This sounds perfunctory and should have been resolved quickly, but in actuality it took me hours on the phone, numerous written communications and has been frustrating to have to work on, all because of their incompetence, which they freely acknowledge. 


My loan number is : XXXX Their website address is : https : //www.myloancare.comXXXX XXXX XXXX Their telephone number is : XXXX Their address is : XXXX XXXX XXXX  Attn XXXX XXXX XXXX  XXXX, VA XXXX I can provide dates and times for the phone calls and letters if these are needed. Please help me, thanks

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 2018-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have reached out to Equifax on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ. 
( XXXX ) XXXX XXXX Mortgage Company in Question : Ditech Servicing Account # XXXX To Whom ever it may Concern : I being Mrs . XXXX XXXX would like to File a Formal Complaint against the name Mortgage Company above Ditech. 
Accordingly, On XX/XX/XXXX I initiated a Bankrupsy that did not include my home. ( will explain Further on ) It pertained Primarily to Credit Cards. Accordingly, I was with XXXX XXXX XXXX at the time Nevertheless, Both Mortgage Companies have appeared to have Presented a violation to this Consumer. 
The situation became Damaging when XXXX XXXX  for no apparent reason changed my Mortgage to a Servicing Company ( Ditech ) without warning and without my Consent. Additionally, I was never Provided any Documents to Sign or review. We were never late or in Default with XXXX XXXX  yet, with Ditech I had to do a Modification. Such presented itself to be atleast {$100000.00} difference between the ( 2 ) loans .Nevertheless, after many years have Passed it was recently Discovered that my Mortgage is not being Reported to The Credit Bureaus. Our Credit is Important to us and we would like to see our Tradeline for Ditech on our Report .Although, many feel that they dont have to Report The FCRA provides Consumers with the prospect of what is Fair and Accurate .Otherwise the Mortgage Company can do as they feel and charge excessive amounts of money to the Consumer and there would be no verification .And the Consumer would be left to fend for themselves. 
As Previously stated I did a Bankrupsy in XXXX I was not with Ditech at the Time and my Bankrupsy was only Cards notmy Home. When I phoned Ditech on XX/XX/XXXX as to why they were not reporting the Mortgage.They Stated it was because of the Bankrupsy and I would need a Bankrupsy Law to reestablish a loan with them we are still making the normal Payments and the has never been an agreement to Stop making payments previously or now.The point is that we want to be treated Fairly .And we need the Mortgage Company to Comply according to Federal standards and to live up to their obligation to respect The 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 2021-12-02
Company: SLM CORPORATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I provided a written request via Sallie Mae 's online portal for the closure of my CD account and gave instructions to XXXX XXXX on where to transfer the proceeds. The account matured on XX/XX/XXXX, and this fell within their terms and conditions regarding the closure of my CD account which may be closed up to 30 days prior and no later than 10 days after. 

I had successfully closed a CD account on XX/XX/XXXX with this exact same method. 

On XX/XX/XXXX I received a response from XXXX XXXX, with a counter offer and a threatening remark that my CD account would renew if I did not respond within 10 days of maturity. 

I unfortunately did not receive this reply until after this time period expired. Based on my written request to close the CD I expected the CD to be closed. I'm now told that my CD has automatically renewed with no recourse other than penalty. I asked for additional clarification in their terms and conditions and I received a response from a compliance analyst XXXX XXXX citing the relevant agreements and their ties to XXXX XXXX XXXX. 

Unfortunately I can't find clear terms in their agreements regarding why my account should have not been closed when I made the request on XX/XX/XXXX as they had done with my prior account. I'm lucky to have 20+ years in the banking and regulatory environment and some of Sallie Mae 's responses were concerning to me, particularly if I had been a typical consumer. I'd be more than happy to provide these to you. Thank you for your time and help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe a XXXX XXXX credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
My credit score just ranked XXXX points because your company erroneously reported this XXXX charge off as an open active collection. This XXXX was totaled in a car crash in XXXX I have just apply to relocate out of state and if your erroneous reporting on my credit file is the reason I get denied I will hold you company civilly liable. If you do not know what that means I will file a lawsuit against your company for falsely reporting a closed account as active that resulted in my relocation housing and employment denial. I will sue for all my moving cost, deposit loss, flight cost for my whole family, punitive damages and more if you do not correct your reporting from open active collection to closed in 24hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Bread Financial Holdings, Inc.
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 paid XXXX XXXX/Comenity Bank the final payment on XX/XX/2019. I called XXXX XXXX and was told they would remove the negative information at the bureaus, but when I received the letter where they acknowledge ( " While we are confirming that your XXXX XXXX XXXX credit account is paid in full, keep in mind that any disputed amount is not included in this balance. Weve shared this information with the three major credit bureau reporting agencies. '' ) XXXX XXXX was one of many creditors that extended repayment terms during the height of the Pandemic. They did not keep their word. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 {$80.00} were sent via XXXX XXXX on chase mobile app. They were sent to an incorrect account due to the number listed on my quickpay was an old contact number. I attempted to reach out to the person if they would kindly send the money back, to no avail. My next step was through Chase Bank. They opened a case on XX/XX/2021 and I was told a credit would be placed in the mean time of {$80.00}. I sent the money to the appropriate contact number this time which I am certain can be verified that the incorrect account and the correct account differ. On XX/XX/2021 the {$80.00} amount was rescinded. I wasn't contacted about the investigation conclusions nor the findings. I called XX/XX/2021 to speak with the executive office and they opened a claim. That was denied due to insufficient evidence, but I wasn't provided any of the information that they looked into and was told that the issue was final. I asked to speak with their manager but the agent instead called me back and offered {$40.00} credit that they hardly if ever do and this was a special circumstance. I denied it and demanded to speak with the manager. At this point my issue has not been resolved and I know that {$80.00} may not seem like much to a big banking company to complain over, but in this pandemic age every dollar counts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: OH
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 not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my SECOND time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Neil Huffman Automobiles Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Me and my husband when to Neil Hoffman family of dealers in XXXX Ky on XX/XX/19 to purchase a vehicle, We were purchasing the vehicle with cash, they had me fill out some paperwork which they told me was for the title and registration and also for the purchase order, by my surprise, on XX/XX/19 I received a letter in the mail detailing that I was denied by their credit department for a vehicle loan, Not once did they inform me that I was completing a loan application or ask me for any details about a loan application, I contacted the dealership on from XX/XX/XXXX - XX/XX/XXXXto inquire about why my credit was checked for a cash purchase with no call back, I am in contact with the credit reporting companies to get the unauthorized credit pull removed as it dropped my score

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: AMCOL Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/19 I called Amcol systems Inc to try and resolve my debt. I was unaware that this debt was being sent to them by XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I offered to make a monthly payment of {$25.00} until my debt was resolved. Amcol stated they would collect my payment, but would not report to the credit companies that any payments were being made unless the amount was at least {$59.00}. That is an unreasonable amount, as I am trying to make arrangements to pay off other debt as well. I would like this to be removed from my account if Amcol is not willing to work with me on the payment arrangement I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Bread Financial Holdings, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a 12 month agreement with Comenity Bank and it expired on XX/XX/19. The company never gave me information to pay it off and then I was charged a finance charge on XX/XX/XXXX that didn't appear until two statements later in the amount of {$370.00} If it would've been communicated, I could've paid off and avoided the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my XXXX credit report for the year like I always do annually and I noticed 8 hard inquiries that I did not approve of and didn't know about. The companies for these inquiries are : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX All on XX/XX/XXXX and XXXX, 2020. And also XXXX XXXX on XXXX XXXX, 2020 2020

Company response to consumer: Closed with explanation