BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Nelnet, Inc.
State: MI
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:
This is still an issue. I requested payments made to Nelnet to be refunded to me under XXXX reimbursement laws for borrowers in XXXX of XXXX. The payments were made in XXXX of XXXX & XXXX of XXXX for a total of {$2000.00}. 

Nelnet has still failed to process my reimbursement as requested for going on 7 month. Today I logged into my account and they applied the {$2000.00} to my loan instead of reimbursing me as requested month after month after month. They've misappropriated funds and even told the CFPB that they mailed me checks repeatedly. Clearly they did not because they now have somehow rectified in accounting error and applied the funds that I have asked to be reimbursed. Now they are telling me that I'm beyond the threshold of the allowable date to get the reimbursement of payments made. My requests were made multiple times by phone and in writing from XX/XX/XXXX until present. My loan amount was {$5500.00}. The attached show that they have applied the payments to my account but only on the Department of Education site account. On the Nelnet account site they still show I owe {$5500.00}! They applied them, took them away when I requested the {$2000.00} refund, and then applied them again but only to the Department of Education??!! This is crazy and probably illegal since they have accounting reporting requirements. They've lied to me, lied to the CFPB about sending me checks and still have not processed anything. What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-12-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I certified mailed a notarized Identity Theft Affidavit to Experian. along with a copy of my drivers license, social security card, a current utility bill and requested that all the listed fraudulent accounts, names, addresses and inquiries be blocked from my credit report/ file. I called Experian on XX/XX/2021 and was told from a representative there XXXX XXXX that my documents didn't meet Experian 's criteria and that the accounts were being investigated because the address I'm asking to have blocked on my credit report is attached to quite a few accounts. I was literally in tears. This ordeal is devastating!

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 2021-12-13
Company: M&T BANK CORPORATION
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2021 I, the consumer, received communication from M & T BANKXXXX XXXX XXXX XXXX with obscene and profane language threatening to to take my property to coerce payment of an alleged debt that I do not owe them. These individual actions are a direct violation of my consumer rights under Title 15 Chapter 41 subsection 15 USC 1692d. 

I sent debt validation letters to M & T BANKXXXX XXXX XXXX XXXX and XXXX XXXX XXXX by certified mail with green return receipts on XX/XX/2021. They were received and signed for on XX/XX/2021 and XX/XX/2021. 

I, the consumer, am disputing the validity of this alleged debt and pursuant to 15 USC 1692g, I am enforcing my right to refuse to pay this alleged debt pursuant to 15 USC 1692c ( C ). I am demanding an audit traiI pursuant to 12 USC 1831n and 12 USC 5562C ( 10 ). Please provide documentary material as defined by congress showing proof of this alleged debt ( The term documentary material Includes the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) name and address of the original creditor and verification ( The term " Verification '' means a formal declaration made in the presence of an authorized officer such as notary public under oath ) or a copy of the judgement of the alleged debt be mailed to me the consumer.

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 2023-08-13
Company: Experian Information Solutions 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:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2018-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a loan with XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX )

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 2021-07-16
Company: Incomm Holdings Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received two pre-paid credit cards for XXXX dollars each as a gift for XXXX in XXXX of 2020. They were issued by XXXX under license from VisXXXX. They are distributed and serviced by inComm Financial Services, XXXX XXXX XXXX, XXXX Georgia XXXX. When we tried to use one of the cards, it was discovered that there was only XXXX cents on it ; not XXXX dollars. These cards were received in the factory packaging and had not been tampered with. I filed a claim with the distributor inComm ( Claim # XXXX ) explaining that I had not made any purchases with it and in fact just opened the packaging for use in XXXX. XXXX performed an investigation and I was told that the purchases had already been made prior to my having the card ( XX/XX/2020 ) and that they were " sorry '' but there is nothing they could do. Bottom line is I received the equivalent of an empty box for a gift and the credit card distributor is unwilling to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Experian Information Solutions Inc.
State: MD
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:
Experian- On or about XXXX XXXX I called Experian after receiving my credit report and noticed the extreme amount of inquiries on there. I asked them to remove them because I did n't give these companies authorization to run my credit. I was told they would n't remove them. The inquiries are as followed : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX and 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 explanation
Consumer complaint received 2023-06-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The cabin that the mortgage loan is on is our vacation rental investment home and was purchased in XXXX with no mortgage against it. We own a logistics transportation business since XXXX and was very profitable up until XXXX when Covid hit so many businesses.My husband and I haven't received a personal income in four years and have depended on our cabin rental to help pay what bills we could.We had our mortgage loan with our local bank and was looking for lower interest. The company we went to sold our loan to Select Portfolio Servicing and had never dealt with this type of company. XX/XX/XXXX I started working with XXXX XXXX to get my mortgage moved to help with payments and use our equity to consolidate debt and do renovation needed at the cabin.Signed all the documents in XXXX with a notary and was told from XXXX they would payoff SPS and would receive funds end of XXXXThey requested a payoff quote from SPS on XX/XX/XXXX. I was also working with SPS for a lower payment so we could continue making the mortgage payment. On XX/XX/XXXX they sent me a payment plan that was to start on XX/XX/XXXX for {$3200.00} and was higher than our payment of $ XXXX were not trying to help with our issue to have affordable payment! I was still working with XXXX hoping for an answer and the first lender did not work. On XX/XX/XXXX SPS withdrew my application for assistance because I didn't the payment plan that I could not afford! On XX/XX/XXXX they sent me a demand notice of default, so I started sending them documents for the assistance program. From XX/XX/XXXX I kept getting letters stating missing information and contacted them each time to see what else they needed up until XXXXOn XX/XX/XXXX I contacted the relationship manager and wanted to make a {$5000.00} payment on the loan that would cover two months and wouldn't except because had started foreclosure on the property. We have always had our home loans with our with our local bank and moved the loan for lower interest and have always made our payments on time for 42 years. I have never done business with this type of company and would have never moved our loan if I had known this could happen! There business practices are unethical for the average consumer that is trying to survive and was hit with an unfortunate situation out of our control. We want and need to keep our home and the rental is our only income to live.I have read reviews with SPS and they are all BAD. I hope you can help me with this and stop foreclosure on our home.They have set the date for XX/XX/XXXX to no longer work with me. Need your 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 2017-07-12
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have told this particular debt collector I would contact them as soon as I was financially stable to start making payments, to which they told me to ask family and friends for the money which is absurd. I get atleas t 3 c alls a day some after  XXXX . I got called in to work on my day off to be told I was being let go for the call they made to me while I was not at work. Its emergency call ins only and they tied up the phone. So now I am unemployed and the entire office knows I 'm in debt with bogus student loans from a fake school.. XXXX  College.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Account status incorrect

Complaint:
My XXXX and XXXX XXXX XXXX all have been updated and is above XXXX. The issue is with my Experian that shows a score of XXXX. It shows three pending disputes. These disputes have been resolved and written off. Please contact Experian and have them reinstate my high credit score. I have bank and collection agency documentation showing all my debts are cleared and written off. Kindly have Experian update my account. 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 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In XX/XX/XXXX, husband and wife applied for a joint mortgage with XXXX. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, XXXX took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted XXXX   and XXXX to no avail. XXXX confirmed that the quit claim was signed in XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with 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 2019-12-16
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX an unusual online purchase resulted in my debit card being froze. When I called the bank they advised they could not re-activate my card via phone, I would have to visit a branch. I visited the nearest branch location, and was advised by the teller that a manager would have to assist me. The manager activated my debit card via her desk phone. The process took less than 3 minutes, however she continued to navigate through what I assumed was my account, using her mouse and keyboard. Simultaneously I asked what she was looking at and I leaned forward so that I could see what was on her computer screen. I saw the words Lost/Stolen in red font. I asked her what does lost/stolen mean, and sreplied that I had a compromised account in my banking history. The lost/stolen account she referenced was closed over a year ago. On XX/XX/XXXX I called the banks corporate office and filed a verbal complaint. I received call backs from a person who's position is unkown, on XX/XX/XXXX, who confirmed that the bank manager is no longer employed with them and a District Manager on XX/XX/XXXX, who confirmed that the bank manager did print my account information unneccessarily. I was advised that I would receive a call back, but I have not. 

My privacy was breeched at this bank when the manager printed my personal account information without my permission. Reviewing my account history and printing it, was not required to reactivate my debit card. I have not been able to confirm what information she has gained access to. Also because the incident happened mid XXXX and I did not complain until XXXX, the manager had prints of my personal account information in her posession. No one at my bank has confirmed what private details she has access to. The bank has made very little attempts to resolve this issue. Since the incident I have locked all 3 of my credit reports for security purposes, which affects my employement search, making it difficult to move forward from this incident. 

On XX/XX/XXXX I placed a follow up call to the corporate office. The young lady in customer service confirmed that my prior complaint from XX/XX/XXXX was closed on XX/XX/XXXX. Based on my conversation with the District Manager on XX/XX/XXXX they were still working on resolution and I would hear back from them. Closing the case while leaving me under the impression that we are working towards resolution shows that they possibly intended to forget about me as a customer.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, 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