BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: OH
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:
I am currently going through the PSLF process. I have received numerous letters stating that if I consolidate, Ill lose all my qualifying payments ; that my case is closed- despite having no previous payments prior to XXXX counted ( I have payments since XXXX ) ; paperwork that is causing so much frustration, confusion and stress. 

The letters they send are completely inaccurate according to the XXXX website. 

Fedloan needs to stop sending false information to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Nelnet, Inc.
State: MT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
THE DEPARTMENT OF ED/NELNET HAS BEEN REPORTTING CLOSED ITEMS AT TOTAL OF 30 ITEMS, EVEN THOUGH THEY ARE CLOSED, THEY HAVE BEEN OVER SEVEN YEARS AND WILL BE REMOVED. THERE WILL BE NO ARUGUMENT AND DISCUSSION, NELNET WILL REMOVE ALL THESE ENTIRES PERIOD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In May of this year while I was traveling money was taken from my Bank of America checking account without my approval or authorization. A total of {$60000.00} was taken from my checking account by deductions of {$30000.00} on XX/XX/XXXX and {$30000.00} on XX/XX/XXXX. I had no knowledge of these deductions. When I returned from my trip I notified the Bank of America within two days. The Bank of America Fraud Department tried to retrieve this money but was unsuccessful. I did not learn of the results of this investigation until late XXXX. I waited for a long time for the result of this investigation until I contacted the bank myself. I have attached a copy of the applicable page from my bank statement. I believe your bureau has already assigned me a complaint number XXXX which I received by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: CT
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any 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 2022-03-09
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX our mortgage went into forbearance for covid 19. 

In XXXX of XXXX I called and asked to make arrangements since we couldnt pay the forbearance amount in total. We were approved for a mortgage adjustment. Payments were to begin XX/XX/XXXX. We were sent a packet with information to be notarized. We were told the mortgage company was providing the notary. 

The notary kept making appointments and cancelling or not showing. 

We called and were told we were going to receive a different adjustment with payments starting XX/XX/XXXX. I called in XXXX because we had not received the paperwork. I was told we would be fine and to make a payment. We made a payment. 

The paperwork did not come. In XXXX I called about making a payment. I was told making a payment could interfere with the adjustment of the paperwork was not complete. I was told we could make the payments retroactive to XXXX with the paperwork. We never received the paperwork. 

I called in XXXX and was told that the paperwork was not generated. That a new plan was made. That the payments could not be retroactive. 

We are trying to sell our home and move to a different situation. We will need financing. In order to get financing we need three on time payments. The mortgage company is interfering with this. We have received complicated and contradictory information. We need help,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: BARCLAYS BANK DELAWARE
State: CA
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 rewards from credit card

Complaint:
My Barclays Uber Visa card is being replaced with a Barclays Mastercard with no way of utilizing my current accumulated rewards.

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 2017-11-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have a Homeowner association company that has set me up with the automatic withdraw for the association fees. When Equifax was breached on the data, I decided to check on my credit since I have credit monitor account with Equifax. That was when I noticed that the score has droped. I was at XXXX and it dropped down to XXXX. The reason was the association has reported negative information. First, I was never notified about having a past due on the account. The account is set up as automatic withdraw so I would not think there is past due.
Company information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX is the company information.
I contacted Equifax first because I did not know who reported the negative information first. Then I found out that it was my association company so I contacted them and I was being reasonable. Even though I was upset, I decided to pay the account since now I was informed that I had past due amount. I did let them know that I was never informed through mail or phone call.
Move forward, I paid the account in full and Equifax disputed and the account information was corrected and the account became no past balance.
One month later, now. I have a notification from Equifax that my score has dropped again. I have check the reason and now the same company has made another negative information on my credit file with different company name.
Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca-XXXX XXXX
Same address and same phone number with same past due amount.
I did let go the first issue since it can happen even though I felt it was not fair since they did not attempt to notify me with past due. But, this time I can not let it go since it has affected my score again with same information. I have contact the association company XXXX XXXX  but no response. I am filling the BBB complain also and I would like to see what I can do to make this correction and make sure I have fair credit score without abuse from this management company.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: RS Clark and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent validation request to RS Clark and Associates. Letter sent certified via USPS on XX/XX/2020. Received on XX/XX/2020. RS Clarke Associates sends letter on XX/XX/2020 a balance listed. A second validation request was submitted certified mail via USPS on XX/XX/2020. Letter received XX/XX/2020. RS Associates sends letter on XX/XX/2020 stating 2nd request was a frivolous request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XXXX XXXX 2016 I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. everything was good until l started to have warranty issues with the truck. I had it to the dealer 4 times for the same issue to try and get it corrected. XXXX XXXX XXXX was going to fill it under the lemon law as they could not find a solution to repair. They even took the truck to their Tech Center in  XXXX Michigan to have the engineers try to find a solution since they had ten more vehicles with the same issue being brought to dealers. I made payments even when they were working on it at first. During this time I had numerous conversations with XXXX Reps and I was told since they were going through the lemon law process that i did not have to make payments as I was not in possession of the vehicle the manufacture was in possession. It took 3 months for them to find a solution to the issues with the XXXX XXXX XXXX 's. When they told me i could get me truck back i accepted the vehicle and began to make payments like normal. I spoke with XXXX XXXX about the issue and they agreed the account should not show delinquent and in fact their own web site shows me as being current. I do not understand why this erroneous information is on my credit report. If XXXX XXXX XXXX can show on their site that i am current what is the problem with the credit report. I am at the point to getting a lawyer and get this straightened out. You would think that XXXX XXXX XXXX whether it be the manufacturer or their financial branch would be able to get an issue like this straight but that has not been the case. XXXX XXXX response to me was well this is XXXX XXXX XXXX we are not XXXX XXXX XXXX. But they share the same corporate hierarchy. the new CEO is over both divisions. My payments are XXXX and my balance is XXXX. My trucks VIN is XXXX account # 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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I AM DISPUTING MY ACCOUNT WITH XXXX FROM LAST 1 YEAR. THEY ARE REPORT WRONG DATA ON MY REPORT FOR XXXX XXXX XXXX ACCOUNT. 
DATE OF LAST PAYMENT IS WRONG. 
CLOSED DATE IS WRONG. 
THEY VIOLATED MY RIGHTS Delinquency First Reported XX/XX/2019, WHICH IS WRONG I PAID AS AGREED IN XX/XX/2019.

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 2022-03-09
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/XXXX, I applied for and was approved for financing through Syncrony Bank for XXXX XXXX. The terms, which have been verified with both the sleep number store and Sleep number customer service state that I should not be billed until 30 days after I recieve my bed. That date was XX/XX/XXXX. On XX/XX/XXXX, a bill was issued -- no dispute because that is correct, I recieved an alert from the credit bureau that my credit was over the limit. They have yet after 2 phone calls not explained why the amount charged is over the limit and why I have not been given the option to make a payment before alerting my credit of the over the limit amount that they can't explain, I have yet to recieve the bill issued on XX/XX/XXXX. The terms of the financing were 4 years interest free and then 5.99 % for the following 24 months. Synchrony bank also has 2 XXXX XXXX accounts reported on my credit report and there should only be 1. It states my credit utilization is 64 % which is also not correct as this is the only account with a balance and I have an XXXX credit limit between this and the only other revolving credit account I have which is also with Syncrony Bank. My credit score dropped 46 points today due to these issues of inaccurate reporting, I have asked them to correct the mistakes to no avail. Syncrony Bank disconnected the call the first time I contacted them at XXXX XXXX XX/XX/XXXX and the second time argued about what the promotional financing was and when I asked for a supervisor I was placed on hold for almost an hour. No one came back on the line to assist me or check in to let me know what was going on. Second call took place at XXXX XXXX on XX/XX/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 2021-10-22
Company: EQUIFAX, INC.
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: 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 2021-11-26
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/21 I applied for credit at a furniture store that used American First Finance for financing. The items as advertised by the store online and in store totaled {$600.00}. I was informed by the salesman that it was a weekly payment program, there was a {$50.00} loan origination fee and that I had the OPTION to pay off the loan in full before XXXX days. After XXXX days there was " additional fees '' but did not go into detail on how much those fees were. I was told the payments would continue until the merchandise was paid off. I was told I would receive a copy of my credit application and contract by e-mail ( I never did ) and that payments would begin weekly on XX/XX/21. When I picked up the merchandise I was only provided a receipt that showed a price of {$600.00}. All weekly payments were withdrawn automatically from my bank account beginning XX/XX/21. On XX/XX/21 I received an e-mail that another payment had been withdrawn. At this point, a total of {$730.00} had been withdrawn. That seemed sufficient enough to pay off the {$600.00}, the {$50.00} loan origination fee and any sales tax. I logged in to my XXXX account ( Account XXXX ) to see what the balance was as I expected some " additional fees '' and to my surprise the account showed a balance of {$490.00}. I quickly got in touch with customer service to inquire why this amount was so large and was told that since I did not exercise the early payoff option, my payments would continue weekly until I satisfied the entire {$490.00} balance or I could pay the {$490.00} in full today. I requested a copy of the contract and did receive it this time. This contract reflected that the total of my merchandise was $ XXXX. A nearly XXXX  % increase of what I was originally informed of. When I explained this to customer service, I was informed that they could " settle my balance '' for {$350.00}. When I stated that was still way too much, they came back and offered a {$300.00} " settlement '' that would be due in XXXX days, at which point my account would be closed out. I do not agree with this shady bait and switch practice of a store informing a customer their balance is one price and once American First Finance has the customer 's financial information, the actual price of over XXXX XXXX more is then revealed. I have decent credit and had I used a credit card instead, I would have not paid anywhere near XXXX XXXX in interest. I trusted that this store ( which was previously XXXX ), offered financing that was in line with other installment furniture loans I have had in the past. American First Finance is a highly disappointing company and I will never finance any item with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Talked to chase we arranged a payment for the end of XXXX to be caught up on payments. Made a XXXX payment XXXX first they closed my account XX/XX/XXXX even though I made the payment 29 days early. They did not tell me they were closing account nor did they give me a reason why. Has since paid off in full and no longer want to do business with them anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Affirm Holdings, Inc
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After checking my most recent credit score, I contacted AFFIRM and mentioned to them that the information on my credit report is incorrect. They sent me a letter saying the account would be deleted on all three beureaus. It still shows on XXXX and is not properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is in regards to complaint # XXXX, I request to reopen complaint as Wells Fargo is deceiving CFPB and hiding the fact that I did contact Wells Fargo onXX/XX/XXXX spoke with XXXX from XXXX XXXX IA fraud department, she was not helpful then I requested supervisor and she would not allow to speak with supervisor. I went the XXXX WI branch and worked with Personal Banker XXXX XXXX who spent an hour on the phone while they recycled him, after an hour I left. In a week I came again and spoke with banker XXXX also he kleft me his number XXXX., also week later with XXXX . I was questioned, all my cards and ID was searched and sent away. OnXX/XX/XXXXI spoke with XX/XX/XXXX from Oregon. On XX/XX/XXXX I contacted executive office XXXX who did not give out her ID, called again spoke with XXXX in XXXX Branch, then called again and spoke with XXXX  supervisor of customer service in XXXX OR, his ID XXXX.. Then called again on XX/XX/XXXX and spoke with XXXX premier banker. Bank closed my account for solo reason not to pay rewards as promised. I request that this bank is investigated for fraudulent activities and my rewards paid. There was no reason to close the account because I did respond multiple time to the letters and paid bill on time.

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a credit card with XXXX XXXX XXXX and I requested a credit line increase 0n XXXX, I was shocked when they denied me because I have excellent credit. I waited for denial letter which states they received report from transunion. All of the information is wrong I immediately called transunion, transunion rep told me XXXX has not checked my credit and that my last inquiry was in XXXX and not from XXXX XXXX. Transunion told me to call them when I called they are denying it and claim they got information from transunion. Not sure where XXXX XXXX received their information from because I have no inquiries on my Transunion report from them. The information they are providing me is completely wrong, I have NO outstanding balances on any of my credit cards, my credit rating Is exceptional and very good.

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