BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet contacted me concerning my student loan and their representative said I needed to consolidate the loan. I was concerned, due to financial losses I was counting on loan forgiveness. I was paying the loan on a regular basis and was under an income repayment plan. I was told the billing would resume in two months. This consolidation occurred for the months of XX/XX/XXXX and XXXX of XXXX. I was deeply concerned when Nelnet wanted to do this because I did not want any lapse in my repayment play. I did not ask for a consolidation. The loans had previously been consolidated early on. The representative reassured me that was not the case and my payment history would be continuous. Now after applying for loan forgiveness, I am informed I was placed on administrative forbearance by Nelnet for those two months so my record was interrupted. I specifically said that I did not want any lapse in my payment schedule. Now only one of the loans is showing as receiving continuous payments after this consolidation and on the one loan that is showing a recored, there are only 40 months of continuous payments recorded instead of over nine years. I was lied to by XXXX. I was afraid of their business dealings due to all of the recent bad publicity and now I understand why. I won't describe my situation but I have taught college level classes to disadvantaged and non-traditional students for over twenty years. However, I had two forbearances due to financial concerns but worked diligently to maintain a continuous payment record over the last nine years. This is incredibly distressing. I can't retire and am suffering from XXXX that may limit my future employment. I do not know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: TX
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:
Items were illegally ran on my credit. Not giving consent to do so by me.! XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I obtain a copy of my credit report. XXXX is showing a bill for {$1300.00}. I have never been notified of this debt. I have disputed this with the credit bureaus and was advised this had been validated. No information has been provided to me with proof of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: National Credit Systems,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: Investigation took more than 30 days

Complaint:
In XXXX XXXX, I received an alert from my consumer report stating that a new collections account was added to my file. Upon checking my credit report, I found that National Credit Systems Inc. had added a negative tradeline to my credit file indicating that I owed them {$3500.00}. I was never notified by this company that they were attempting to collect a debt from me prior to adding the account to my credit profile. I then wrote a letter to the company inquiring about this debt, disputing its validity, and also requested validation that the debt belonged to me. My certified letter was signed for on XXXX XXXX, XXXX. The company then mailed me paperwork that did not validate the debt. On XXXX XXXX, XXXX, I pulled my report again and this company had not notified one or more of the consumer reporting agencies of my dispute, which is a violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I then mailed a second certified letter to the company informing them of the violation and the letter was signed for on XXXX XXXX, XXXX. The company then mailed me the same paperwork that was sent after my first letter. Again I checked my credit reports on XXXX XXXX, XXXX and one or more of the consumer reporting agencies still had not been notified of my dispute of this account. I mailed a third letter to the company again indicating the violation ; which was signed for on XXXX XXXX, XXXX. I again received the same paperwork. To date, all credit bureaus still have not been notified of my dispute of this debt with this company. I have printed a copy of all three consumer reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX which show that this account has not been marked as disputed with one or more of the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had requested to have the inquiries listed below removed from my credit report as the inquiries were not authorized or placed by myself. The agent I had spoken with at Transunion on Friday XX/XX/19 had said they would not be able to assist me.

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 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 just speeded both of this with XXXX as well as TransUnion they're showing for folio management company that is still as I open collection amount with a XXXX balance I've requested them to remove it because it was paid in full and satisfied now they're telling me that the company responded back saying this company this is a correct amount and it will stay in your credit report if it's paid in full and no longer active it should no longer be reported on my credit to hurt my credit in order to obtain other items cuz it's showing as an open collection or if it shows other clothes collection is still needs to be removed from my collection credit report for both Transunion and Equifax

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 2019-03-15
Company: SYNCHRONY FINANCIAL
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:
The company I complaining about is a Clothing company called " Belk ''! I contacted them directly and told them I saw a Inquiry on my Credit Report that did not belong on my report? Dated XX/XX/2019! They asked for my SSI number? And when I gave it to them they told me that they didn't have me in there file and did not know anything about me or who I was? Can you please have them remove this Inquiry please? I saw the Inquiry on my XXXX file? 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 non-monetary relief
Consumer complaint received 2019-02-04
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper wrote me to move out of my house because they can not modify the loan modification I applied for in XX/XX/XXXX. They gave me many options to choose from which included Short Sale and I choose Short Sale. I hired a Real Estate Agent to contact Mr. Cooper to ask for approval for the Short Sale. Mr. Cooper approved the Short Sale and instructed my Real Estate Agent what to do. My Real Estate Agent did exactly what Mr. Cooper asked my Agent to do, including putting a Lock Box at the front door.. Then we gave Mr. Cooper an offer and it was rejected because Mr , Cooper said the offer was too small. In the letter Mr. Cooper wrote me, it said they will take any offer no matter how small. Also Mr Cooper asked me to move out of the house as soon as possible which I did. I moved out out of the house on XX/XX/XXXX. Before I  moved out of the house Mr. Cooper arranged with a firm to come to take the picture of the house. A representative from the firm came and took the picture of the inside of the house. On XX/XX/XXXX my Agent told me she got an email from somebody who said he has bought the house at the auction sale that was scheduled for XX/XX/XXXX and XX/XX/XXXX by Mr. Cooper Short Sale Department. Up till this time XX/XX/XXXX the house was in perfect conditions. I called Mr. Cooper Short Sale Department on XX/XX/XXXX to request for a relocation fee. I spoke to one Mr. XXXX of the department who told me that only my Real Estate Agent can do such a request, and not the home owner. I also told Mr XXXX that I have moved out of the house and M r. Cooper should speed up taken over the house. I also told Mr. XXXX that the house has been bought at the Auction Sale. He told me that he was not aware that someone has bought the house. On XX/XX/XXXX I got a call from the XXXX County Sheriff that he was at my house. The Sheriff told me the front door of the my house was opened when he got to the house and the house is badly damaged by water. He said that the sprinkler were on and the house was flooded and windows were damaged. My Agent has already arranged to call Mr. Cooper Short Sale Department on the XX/XX/XXXX to request for a relocation fee for me and then this happened. I smell a rat here. My suspicion is either Mr. Cooper has something to do with this or the the person who emailed my Agent that he has bought the house has something to do with it. This e-mail was unsolicited. I could be wrong. I have lived in this quiet affluent community for 12 years and this sort of thing has never happened all the 12 years I lived there. Also it happened just when I am handing over the house to Mr. Cooper. I don't know what is going on. I am confused. Please I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National credit systems is using abusive debt collection practices to collect on an alleged debt. I have not received validation of this debt. I did not receive my right to dispute. I have attached my full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: WELLS FARGO & COMPANY
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:
XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-03-15
Company: MIDFIRST BANK
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been experiencing an unusually high rate of insufficient fees with MidFirst Bank in Oklahoma. I do acknowledge that I will be low on fund at times and utilize the overdraft protection service, however, when I began to closely monitor my account, I noticed a pattern that my debits were/are being rearranged in a way where it appears MidFirst could charge additional insufficient fees. When inquiring about this often, various representatives understood and reversed some of the insufficient charges ; others, like one this morning, was adamant the fault was my own. I have heard several different excuses from representatives : " it's out of the bank 's hands when a charge will go through '', " it's on the merchants when the charge will go through '', and " it can be confusing how the charges reflect and how the debits rearrange ''. Further, I had been told for years, since opening my account in XXXX, that if a deposit was made within 24 hours of a debit, no insufficient fee would occur. When I was charged a fee for a debit that incurred less than 24 hours before a deposit, the representative stated she'd never heard of that before. The rules, procedure and communication should be crystal clear and not waffle from week to week. I also found that in XX/XX/XXXX, without any notice at all, the MidFirst bank rate for insufficient fees went from {$32.00} to {$34.00}. Nothing should be confusing about my money being deducted out of my account. For this reason, I feel like MidFirst has unnecessarily taken hundreds of dollars in insufficient fees from my account. I will be transferring my funds to another bank soon, but wanted to advise the CFPB of what appears to be deceptive practices by MidFirst and/or its employees. 

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 monetary relief
Consumer complaint received 2019-02-04
Company: Santander Consumer USA 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:
XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER U Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
I was told that at the end of XXXX  my account was flagged which it shouldnt have been. I currently have a little XXXX in there and they wont allow me to access it stating they have up to 6 months this is through venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions Inc.
State: TX
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 submitted over 3 disputes/letters to XXXX, Experian, XXXX to correct information creditors submitted inaccurately on my credit report. The supposed accounts have not been properly verified according to fcra 609. They have no proof of my wet signature to verify the account. On XX/XX/XXXX I sent the credit bureaus certified copies of my secretary of stateXX/XX/XXXX which shows I have to debt/loans which they disregarded. The credit bureau nor the credit agency have supplied proper evidence, yet the delinquent accounts are being reported inaccurately. My 3rd Notice was sent XX/XX/XXXX Credit Disparagement Letter Notice Inent to Sue/Notice of Claim of Economic Injury which were notarized and post master certified documents which have been disregarded. I called the credit bureau on multiple occasions and also have gotten no response. I feel the credit bureaus along with dishonorable creditors have purposely caused harmed to my financial/economic responsibility to my country and family. As a veteran I feel the deepest regret to defend such dishonorable corporations.

The following accounts should not be reporting on my credit report at all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be reported derogatory on my credit report : 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 2019-02-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, I received " Payment Fees '' at the start of my repayment date. This amounted to a flat 3 % charge on the current principal of the overall loan. To be clear, this is not a late payment, this is just a fee for me to start paying them. 

For example, I had a load of {$16000.00} during school. By the time repayment came around, with interest the principal amount was {$22000.00}. I was charged 3 % on the {$22000.00} for a total of {$670.00}. 

That is just one of four loans where I received this " Payment Fee ''. The total cost of this was {$2700.00}! 

Is this fee legal? Is it legal for them to charge it on the {$22000.00} and not {$16000.00}? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: WELLS FARGO & COMPANY
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:
Account status is incorrect and needs to be corrected

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 2019-05-22
Company: SUN LOAN COMPANY INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/19 I notified them in writing and faxed it to them that they can not call my work phone number- I am not allowed personal calls and I am also laid off of work and can not receive phone calls there. I also sent them in writing a letter from my references that they want to be taken off of the list and they are not to be called in regards to this debt. The letter was signed by the references. They continued to call. I then mailed the letter again to their address XX/XX/19. They just called my ex place of unemployment and also called a reference that notified them in writing that they are not to be contacted.

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 2020-11-12
Company: HCFS Healthcare Financial Services of TeamHealth
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 is missing that should be on the report

Complaint:
On XX/XX/2020 and XX/XX/2020 XXXX add a derogatory mark on my credit report pre XXXX XXXX, XXXX  and XXXX XXXX. Upon further research, this account was transferred and I am not responsible for the account. Debtor 's creditor did not verify this account. Also, there was no written from of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FAIR CREDIT REPORTING ACT ARS has violated my rights as a consumer and I am requesting legal action to remove this account immediately. 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 2018-04-22
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Ocwen Loan violated my right to privacy. Despite giving them instructions not to discuss my account with anyone when I was late in paying in XX/XX/2018 they sent a delinquent notice of default to my tenants. My tenant caslled asking if I was going through financial difficulties. It was embrassing and a violation. My older son is going through a medical situation I am him with financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company was contacted on XX/XX/18 about debt via certified mail. Company received notification on XX/XX/18. It is now XX/XX/18 and I have not heard back from the company yet wrong information is being reported.The FCRA gives the company 30 days to respond.

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 2019-08-22
Company: Social Finance, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my personal loan to XXXX - the remainder of the loan was for approximately {$15000.00} out of a total 5 year loan of {$50000.00}. 
I sent my payment by the mail with the print out of pay off amount from the XXXX website. 
Three weeks later I started to received daily debt collection calls. I called XXXX many times, gave them the check number that I sent to them. 
They finally located it and applied it to my loan and promised on the phone that the delay in finding the check would not affect the final pay off amount. 
Two months later, daily calls from debt collection started again, for an amount of {$72.00} that I now supposedly owed. 
While I shared the tenor of my conversations with XXXX and the fact that I was made to pay for interest that was the result of their delay in processing my check - the calls have continued XXXX times a day.

Company response to consumer: Closed with explanation