BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Nelnet, Inc.
State: NY
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:
On XX/XX/XXXX22, I called Nelnet, my loan servicer, requested {$5800.00} in payments made during the COVID forbearance period ( 29 payments ) be refunded, as I will be applying for student loan forgiveness. Customer Service told me my request was submitted to the Solutions team, and review would be complete in 4-6 weeks. All of my peers who also requested these refunds around this time have had their refunds processed and balances reapplied to their loans. I called Nelnet again on XX/XX/XXXX22 to get an update on my refund status, and Customer Service told me my original request from XX/XX/XXXX was not correctly submitted by the previous Customer Service Representative, because they forgot to provide the Solutions team " all necessary information '' regarding my request. So, during this call on XX/XX/XXXX, I resubmitted my request. I just called Nelnet again this morning ( XX/XX/XXXX2022 ), and XXXX, the Customer Service Representative I spoke to, confirmed my request has been acknowledged by the Solutions team. XXXX stated the processing time for these refund requests is now 16 weeks, which would lead into early XX/XX/XXXX2023. Since the COVID forbearance period ends in at the end of XXXX, I will be forced to make payments while Nelnet continues processing my refund request, and while the DOE reviews my student loan forgiveness request, which I can not submit until after Nelnet refunds my payments, in order to ensure my entire balance is forgiven. In sum, I will be waiting an extra four months for my refund and to just apply for loan forgiveness and will have to make payments during that time, all because Nelnet didn't submit my request properly when first called on XX/XX/XXXX/2022. While most other requests made at that time have completed review, I'm unfortunately stuck waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A card was opened using my name in  XXXX  I contacte d Macys and   even sent them the fraud affidavit years ago letting them know I was a victim of identify theft and did not open the card. They told me it would be taken care of, again in  XXXX  of  XXXX  I learned this account was still open and holding me up from obtaining credit. I once again contacted them and they stated they would escalate the problem since they could see it should have already been taken care of. I again faxed them the fraud affidavit and they have yet to release my liability from the account after speaking to numerous people over th e past 2 weeks.

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 2022-01-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Date : XX/XX/XXXX To Whom it May concern I would like to bring following facts to your attention and request amicable solution. 

My company ; XXXX XXXX XXXX XXXX is US based organization doing export business especially with XXXX. 
During first week of XX/XX/XXXX, I approached HSBC to open Business Account and met XXXX XXXX XXXX Vice President XXXX  Relationship Manager XXXX Spectrum Center, XXXX XXXX XXXX . I explained to her the reason to open Account with HSBC which was International Banking and I also emphasized that Transactions will be involving collection of payment against the documents from Overseas. She confirmed that the bank provides this facility and this was the reason I opened my account with HSBC, otherwise I had Business Account with XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX via Email, I was confirmed that new business checking account is open and I was provided all the details truncation fees etc. 
I start operating the account and on XX/XX/XXXX I received wire transfer from my overseas and another wire transfer was received in my account on XX/XX/XXXX. 
I visited XXXX XXXX office around XXXX XXXX and asked her the fee for the transaction to collect funds from Overseas Bank. She sent me the charges schedule via email on XX/XX/XXXX. 
On XX/XX/XXXX, I requested via email to XXXX XXXX about the procedure to submit the documents, I received the automatic reply that she is away and will be back on XXXX of XXXX On XXXX XXXX, I sent another email with the idea that she might have returned but again received automatic answer that she is away. 

I visited the Branch to discuss around XX/XX/XXXX XX/XX/XXXX and met XXXX XXXX XXXX, Manager and asked him about the procedure for submitting the documents. His answer was that we do not do this kind of transaction, which was very disturbing to me as my shipment was ready to leave the next day. 

I tried to approach thru customer service to find the right person and finally I was successful to converse with XXXX XXXX and advise that someone from relationship team will advise you further. ( Copy attached ) On XXXX XXXX, XXXX I received email from XXXX XXXX in which he asked structure and amount of transaction, as well Name of Bank, which I provided. 

On XXXX XXXX. I received reply from XXXX XXXX that we do not have any corresponding relations with this bank. ( Important thing to note that XXXX XXXX did not object on the size of Amount but only on corresponding Bank ). 
On XXXX XXXX, XXXX I requested XXXX to provide XXXX name of banks on HSBC Correspondence list. 
On XXXX XXXX, XXXX, XXXX XXXX provided with two names of the Banks as HSBC Corresponding Banks in XXXX. 
On XXXX XXXX and XXXX I requested confirmation, if my client can use those Banks. 

On XXXX XXXX, XXXX, I was informed via email by XXXX XXXX that we are unable to help you with the transaction based on Volume.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I was tricked into this loan as the primary borrower just to make a sale & the car was stolen and repossessed in XXXX of 2017 with me making pmts I contacted customer service to file a claim and let them know but it was a towing company for Santander researching their repossession policy it clearly stated no pmt for 60days then the vehicle would be repossessed. They ignored my ID theft claim and police report issued to removed this from my credit due to falsifying a signature on the wrong line had me stuck in this loan with high interest rates. Please Remove from my credit. I have disputed this item on my credit numerous of times prior to the class action settlement it has become a financial burden of hinderence for me on getting other loans to better my credit score and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX : XXXX XXXX - has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX - has violated my rights XXXX  XXXX : # XXXX - {$2900.00} - has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX has violated my rights 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 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 2022-01-27
Company: EQUIFAX, INC.
State: NY
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:
There are incorrect inquiries that should be removed immediately ; way too many to have happened within a year 's time. I have contacted the bureaus before about it and they did not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Aargon Agency inc has an inconsistent credit file on my credit profile for XXXX, while the other bureaus don't report any collections. The creditor is attempting to force me to pay incorrect and false debt to Creditor. After only opening up my credit file again, I noticed that this has been opened since XX/XX/2018.

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 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
DENIED CREDIT DUE TO TRANS UNION, XXXX, AND XXXX  CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is an additional request to dispute specific data in my credit file that does not belong to me or for which I have not signed any agreement. The products in question have nothing to do with any transactions I've carried out or approved in order to get goods, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.

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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
transunion and XXXX have three issues each.XXXX, XXXX, and XXXX XXXX ... report should read removed.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regrettably I have to file a THIRD complaint about yet another scamming debt collection agency, this time I.C System in XXXX XXXX MN. This follows on from two other complaints I filed against XXXX XXXX and XXXX XXXX XXXX, all three companies are harassing me for a supposed debt of {$1300.00} I owe to XXXX XXXX. I will reiterate what I have stated in the two other complaints in that I do not have and never have had an account with XXXX and this is complete fraud. As I commented in a previous complaint, I have no doubt that this IC System is in collusion with the other two companies to commit fraud on as many unsuspecting individuals as they can.

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 2021-02-03
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2020 XXXX XXXX  called me and started asking a line of questions in regards to my property and what I think the current market value of my home is worth. 

They did NOT inform me that I was speaking to a licensed loan officer XXXX XXXX  XXXX nor did they imply in any way I was answering questions for any application. 

They were simply asking me questions about my current mortgage and going over my property value and current interest rates, and they told me that they needed to ask me for my personal information for security reasons. 

I absolutely DID NOT, in any way shape or form give them permission to pull my credit. 
I did not ask them the refinance my home. I did not ask them to see if I qualify. 

XXXX XXXX  from XXXX XXXX  pulled my credit without my permission and did not inform me that she was doing so on the call. 

Then I spoke to her associate XXXX XXXX from XXXX  XXXX  right afterwards about the situation and told her what happened and she assured me that they would remove the inquiry. 

She requested that I send them a written request for the inquiry to be removed, and I sent them a letter via email. 

They did not comply and the inquiry remains on my report till this day. I would like this inquiry removed from my report immediately. 


a. Date of Inquiry ( XXXX  ) b. Company name on the inquiry ( XXXX XXXX XXXX XXXX XXXX c. Request to delete the inquiry

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are incorrect inquiries that should be removed immediately ; way too many to have happened within a year 's time. I have contacted the bureaus before about it and they did not do anything.

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 2021-06-09
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I contacted XXXX XXXX who my Debt was with, I had no idea I owed them anything as I withdrew my daughter due to their negligence after she had had XXXX  XXXX on both eyes. I contacted the Director, XXXX, to try and resolve the issue around XX/XX/XXXX when Capital Accounts put I owed around {$660.00} to XXXX XXXX. I told XXXX I was charged the wrong amount due to my daughter being pulled out of the Daycare, there was no way I owed over {$600.00}. On XXXX XXXX, XXXX the Corporate Assistant from XXXX Emailed XXXX about the situation stating if I paid the amount of {$260.00} that she would contact the Collections company and have it removed from my Credit. The Collections company and XXXX had put I owed over {$600.00} initially which upon me talking to XXXX she confirmed that amount was incorrect, hence the Email from Corporate to XXXX. I paid in full the {$260.00} on XX/XX/XXXX. I disputed the claim on my XXXX XXXX account soon after and it was not taken off. I called XXXX at XXXX XXXX and asked why this debt was not taken off my credit yet and she said the Collections Agency was refusing to take it off. I have paid the amount I was told even though I did not owe that in order to have this taken off my credit as it is harming my Credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
these companies are breaking the law by not validating the debts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I received a good-bye letter from Freedom Mortgage informing that my loan servicing was being transferred to XXXX XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/XXXX. As of this complaint, XX/XX/2022, I have not received a welcome letter from XXXX XXXX XXXX XXXX XXXX XXXX. It is my understanding that I should have 15 days notice from each company and this only gives me 5 days from Freedom & 0 days from XXXX. In addition, my loan with Freedom is in process of being paid off. I feel that is why my loan is being sold. They are doing this to cause confusion & make it difficult for the loan to be paid-off. I called Freedom on XX/XX/XXXX and spoke with XXXX, ID XXXX, and asked if my automatic payment that is set-up with Freedom would be automatically canceled or if I needed to cancel it. She was not confident in her answer when she told me that it would be canceled. Because she told me it will be canceled, Im expecting a payment not to be drafted 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 explanation
Consumer complaint received 2019-07-30
Company: Servis One, Inc., Titusville, PA Branch
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX. In an letter dated XX/XX/2019, XXXX undertook an escrow analysis and indicated that my new mortgage payment would be {$3800.00} starting XX/XX/2019. In XXXX of 2019, BSI Financial purchased the loan from XXXX. I made timely payments to BSI Financial and in XXXX of 2019 pursuant to the letter form XXXX began payments of {$3800.00}. BSI has refused to recognize these as payments in full and claims I owe {$400.00} per month more. BSI claims that the new lower payment of {$3800.00} will begin in XXXX of 2019 with no explanation of why the Roundpoint letter/date was invalid. 
I have filed 2 requests on-line with BSI to investigate this matter and have received no response. As follow up to a call from BSI, I emailed BSI the XXXX letter indicating the new payment amount ( {$3800.00} ) and that that payment began XX/XX/2019. I received no response. 
BSI has called me 3 times and in each case I have asked for a response in writing. I have received nothing from them in response. In a recent call BSI suggested that I make payments of approximately {$800.00} to them now that they would refund in XXXX. I noted for them that this sounded like a scheme and I would not be making the payments and accept a refund unless they proposed that to me in writing. To date I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CORELOGIC INC
State: MI
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: Investigation took more than 30 days

Complaint:
No response on the 30 day investigation on the hard inquiries reporting on my credit report and its been well past 30 days

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