BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2022-10-20
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX # XXXX, account XXXX XXXX # XXXX, account XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: NJ
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 hope my letter finds you well. I would like to file a complaint and open an investigation against Nelnet student loan company. I have had several illegal issues with the company that I will list in order as it happened : I called on XX/XX/XXXX because I had an issue with my XXXX XXXX on FAFSA. The representative on the phone said she will be able to process my application over the phone and she assured me that it was submitted, and she said I have XXXX payment till next year. I asked her if I had any money due, she said no I have XXXX payment and do not have to pay or do anything. She also said I will get an email regarding my status. 

On XX/XX/XXXX I opened my Nelnet profile to check my status, I found no application for XXXX and I saw that my interest got higher. So I called around noon time : I was told that I have no application in process and that my interest started accumulating daily since XXXX XXXX. I was on hold for over XXXX hours and I am working full time so I had to hang up because I had work. Called again after work around XXXX, was put on hold again for XXXX hours. I spoke to another representative and had me submit another XXXX XXXX  application and was told it takes around XXXX weeks to get processed. For my interest : I was not notified via email or mail or even over the phone when I called on XX/XX/XXXX that my interest started accumulating so I asked to speak a supervisor. He submitted a request on my behalf to waive my interest charges as I requested, and he told me my save application I submitted today is in process. I asked him if I was notified by mail about my interest starting, he said no mail or email was sent regarding that. I did tell him what happened on XX/XX/XXXX and that a representative lied about my save application and took my information down and said it is submitted. He said " will go over this in our coaching sessions '' On XX/XX/XXXX, I called again because I did not get any confirmation email for my XXXX XXXX  after I submitted it on XX/XX/2023. Had to hold for XXXX hours and XXXX mins. I was told my application will not get processed till XX/XX/2023 and it will take till late XXXX to get it processed. 

These are the facts and what happened with NELNET over the past XXXX weeks. This company is costing me money for my interest that started, and I was not LEGALLY notified by it before it started via mail. This company is costing me money every day for not processing my XXXX application and my interest is calculated daily. I would like to file a complaint against them and also have my interest waived. I would like to change my loan servicer to another reliable company. Every time I call, I have to hold for over XXXX hours and this is the only way to get a hold of them. I am the only XXXX from my friends that is dealing with these issues because they do not have nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Please provide the information we need to keep your complaint moving. 
We need your help to : Clarify the details of your complaint by phone. 
Please Provide : The information needed by calling us. 

In most cases you can answer this information request on this page by submitting documentation with the needed information below. In other cases, you may need to call us. If we have asked you to call us, please contact us at ( XXXX ) XXXX, XXXX XXXX - XXXX XXXX Eastern, Monday Friday. Be prepared to provide your complaint number, contact information, and the information requested above. If we dont receive the needed information from you within 45 days, we will have to close this complaint. 

The sooner we hear back from you, the sooner well be able to move forward with your complaint. 


Include copies or photos of documents related to your issue such as contracts, statements, letters, and receipts. Once you submit your info request response, we will forward all materials to the company for review. These attachments will not be added to your complaint until you submit your response using the Submit information request response button below. 

Due to congestive XXXX XXXX and shortness of breath I am unable to talk on the phone, I hope you don't use this against me. I don't have long to live because my blood blow is decreasing and I can not believe you accepted SPS response, I offered a plan but apparently you and SPS rejected it, I can not afford the high payments because I am on a medication remedy per doctors and the medicine is very expensive. Please I don't know how much clearer I can be, what kind of answers are you looking for, in the resolution box I offered to pay XXXX dollars a month until I get straightened out. I was hoping you would help me. 

To clarify what I want is the following : A lower repayment plan that I can afford. 
A new refinance with a lower interest rate. 
That I want to keep my home and avoid foreclosure. 
Have SPS come up with some options as stated in two of their emails sent to me. 
Follow through with XXXX assistance form. 
Call my doctors to hear their explanation of my XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute RS 29:312, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.

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 2020-04-23
Company: EQUIFAX, INC.
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:
I have noticed that I have several account that do not belong to me. I would like for them to be removed from my credit report. Please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ALSO THEIR ARE SEVERAL HARD INQUIRIES THAT ARE NOT MINE PLEASE DELETE : 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 XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle at XXXX XXXX XXXX and I purchased encouraged by the finances department a gap insurance and extended warranty for the vehicle. The loan was transferred to another bank the vehicle was refinanced and the services with the current bank GM were cancelled, the payoff amount was sent in XX/XX/2023 after this payoff amount was sent, I requested for the gap insurance and the extended guarantee remaining money to be sent to me as a reimbursement, because I no longer have services with GM XXXX. After months of fighting and dealing with the bank the dealership and many requests done over the phone via email and in person, I still don't have my money reimbursed. I understand that this process takes time but how come the bank retains the money that is owned to me when they pay off amount was sent so long ago and the services were automatically canceled. I called and they don't answer my phone calls nor return any messages back. This is extremely disrespectful that they take your money and they don't want to give it back to you once they don't own it no more. I need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2021-10-29
Company: Bread Financial Holdings, Inc.
State: MS
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 have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New mortgage servicer, " Shellpoint '' is charging me {$60.00} for property inspection that I did not approved or have any knowledge of. 
The dates of these charges are XX/XX/XXXX and XX/XX/2023 I tried to get these charges waived or dropped during several phone conversations with their customers service Dept. to no avail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: Exeter Finance Corp.
State: NC
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:
XXXX XXXX inquiry XX/XX/XXXX did not authorize Exeter Fin inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my second attempt writing you in response to your decision to close the dispute investigation for inaccurate late payments. I disagree with your decision because accounts are still NOT reporting 100 % accurately according to Fair Credit Reporting Act ( FCRA ) .The creditor XXXX XXXX and XXXX XXXX Bank are reporting different payment history on all three credit bureaus. These accounts are showing inconsistency and inaccuracy on my credit report that you failed to notice. How is this possible if by Federal law, everything on my credit profile must be accurate, and verifiable if not that information must be deleted. You have FAILED to conduct a proper investigation. 

Also, I NEVER received the option to opt out of disclosing my personal information to third party according to 1

5 U.S. Code 6802. This is a Violation to my consumer rights. I did not give the creditor written authority to include transactions nor payment history to any third party in accordance to FCRA and 15 U.S. Code 1681a. Again, You have failed to conduct a proper investigation and the information is not
accurate. Therefore, According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 


I am requesting you immediately REVERSE or REMOVE late payments from the following ; Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Va XXXX Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
2007 chex systems unknown amount saying that they were police officers coming to arrest me if I did n't pay for insufficient funds check

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 2023-12-15
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had previously contacted Grain about access to my account. They responded with this " We have now implemented a more secure and efficient verification process. For this reason, you were required to go through the additional verification steps. Unfortunately, when you completed ID Verification, the system couldnt verify you. Because the system can not verify your ID, you no longer have access to your account. Some of the reasons for this may be but are not limited to not completing the security questions correctly, not uploading all the documents required, uploading expired documentation, uploading photocopies and not the original documents, and pictures that are blurry, hard to read, or cut off. We understand completely that this is not the outcome you had expected but unfortunately, we can not change the decision that has been made. '' I understand and accept the outcome however I am entitled to a refund of my security deposit and I would like that immediately since my account is closed and can not be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was defrauded by a moving company. On XX/XX/2021, I opened a dispute with Citibank about a transaction made by the moving company. Citibank didn't give me chance to submit any supporting documents or collect any information from me to hear my side of the story. Instead, on XX/XX/XXXX, they ruled against me. This is not how credit card disputes are supposed to be investigated.

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 2023-12-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My wife 's purse was stolen from our car on XX/XX/2023. That same day someone tried to cash a check against our account. Thankfully a banker at the XXXX XXXX, FL branch of our bank caught it and put a fraud lock on the account. However, on XX/XX/2023 we had {$1900.00} deducted from our savings account for a returned check. I went to the XXXX, FL branch and they showed me the check that someone fraudulently cashed using my wife 's ID. Apparently this was at another branch and it wasn't caught. The signature wasn't even CLOSE to her signature either on her ID or the signature card on file with the bank. 5/3 opened a fraud packet on the incident but said the investigation could take 30-180 days. I'm not satisfied with this at all. Seeing as how the signatures were nowhere near a match, this was very lazy on the part of the bank representative who cashed our check. This should be a very clear cut case and I should have these funds made immediately available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX, 2017 Amex forcefully closed my charge card account because they claimed they did not receive my financial documents and/or income tax return information they requested. I have full proof they did receive the documents via certified letters w/ signature. Despite receiving my financial documents they chose to close my charge account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This has been an ongoing issue since XX/XX/2022 I have filed over XXXX disputes I have lost over {$25000.00}. Ive tried to tell this bank that I had identity theft and somebody was going into my account using debit cards etc I spoke with XXXX XXXX XXXX who got back about {$6000.00} of my money I recently received a letter from fifth third bank, stating that an employee of theirs misuse my information, including my name, address, phone number, Social Security number, and account for their own purpose, and to be alert, and to watch out for any unauthorized activity on my statements from XXXX to 24 months etc. Ive tried to file a claim under there I identity theft insurance just to keep getting directed to XXXX. This is not Experian issue. This is the banks issue. What do you do when you keep complaining and keep filing disputes and keep talking to people and nothing gets done. Justice Has to be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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