BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet , Inc. ( XXXX XXXX XXXX ) was the servicer on my prior student loan. I refinanced my student loans through another loan provider and servicer. XXXX did not process the loan payment until over a month after the refinancing check was sent. They then backdated the processing date of the refinancing check to the date of its initial disbursement. None of this is of particular concern, except for the lag in processing time required me to make another installment payment on my student loan. This meant that, including the refinancing check, my loan was overpaid by a substantial margin ( approximately two months worth of overpayments ). 

I called XXXX to check on the overpayment. They did not indicate they would automatically send the " credit '' for the overpayment. Rather, based on my conversation, it seemed as though the consumer had to call to have the overpayment credited back to the consumer/the refinance provider. My loan was paid in full on XX/XX/XXXX. Overpayments occurred on XX/XX/XXXX and XX/XX/XXXX. XXXX has indicated that payment is forthcoming, however, I still have not received a credit for my personal overpayment or the overpayment by the refinancing provider. 

I can not tell is this is just ineptitude on the part of the servicer or bad faith ( i.e., delaying the processing of refinancing payments, which forces consumers to effectively overpay by 1-2 months, then not automatically crediting consumers with the overpayment amount ). In any event, taking over two months to refund a consumer amounts paid over the principal + interest outstanding on a loan is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LEXISNEXIS
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a letter to nexis lexis ( cerified ) asking them to remove this XXXX from my credit file due to inaccurate reporting.Receipt of letter XX/XX/XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company ASSETCARE LLC is in direct violation of the Fair Debt Collections Practices Act. In my opinion they have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of these violations. 
In XX/XX/2021, I sent by certified mail receipt number : via usps # XXXX, a request for ASSETCARE LLC to provide me with proof and evidence of the debt alleged I owed, and I did so within 30 days of receiving ASSETCARE LLC first notice on XX/XX/2021. In that same letter I also included my cease and desist instructions. 
After verified delivery of my letter via your office by certified electronic delivery at XXXX on XX/XX/2021, ASSETCARE LLC proceeded to report this unverified account to XXXX Credit Bureau impacting my credit score by a loss of 27 points on XX/XX/2021 screen shot included then ASSETCARE LLC mailed a simple bill dated XX/XX/2021 which is NOT considered a " validation of debt '' by any means. Then ASSETCARE LLC proceeded to contact me by mail XX/XX/2021 with another document claimed statement of account which in quote stated an itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} even after the delivery and acceptance of my certified letter on XX/XX/2021. I sent yet another certified letter requesting proof of this account or debt, signed contract with my signature on it, agreement to share my medical records if so with multiple contacts as stated in their communication of at least 3 companies that I am unaware of having any dealings with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX   XXXX   XXXX   has been close d ( Paid and closed )  and should be removed from my report.  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   (  CLOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XXXX of XXXX and ongoing until XX/XX/XXXX TD Bank paid over to a merchant in XXXX installment payments of {$740.00} each. I informed them that I had never used the merchant 's service and had requested a cancellation and refund. However, they chose to forward those payments to the merchant despite my stern objection, Because of their failure to properly secure my account from and made those payments to the uncooperative Merchant I am now suffering this loss and humiliation. Those transactions and the issuance of provisional credits that were reversed caused the account to enter overdraft status which they are now claiming I have to make payment on before they will allow me to open an account. It is due to their dereliction, duty of care and failure to properly protect the funds in my account that gave rise to the current situation. Today, XX/XX/XXXX, I attempted to open an account with the XXXX XXXX branch with their check and was informed of the derogatory state of my name and credit. I also attempted to cash said check, ( Check No. XXXX dated XX/XX/XXXX ) with the XXXX XXXX XXXX but was rebuffed. They refused to cash the check stating that since I do not have an account with their bank they can not cash their own cash. Instead, they offer to cash the check only if I pay them a check cashing fee of {$10.00}. I refuse to pay them this fee as they have discriminated against me in opening an account and this debacle came about due to their negligence. Why should I pay them a fee to cash their own check? Why should I pay them a fee for a problem that they could have resolved in XXXX and for the degrading of my credit capabilities by holding a charge off against me? 

I would like to have : ( XXXX ) access to all my bank statements for the XXXX period. ( XXXX ) the reversal of the charge off from my credit report ( XXXX ) the reinstating of my account and ( XXXX ) the cease and desist of their discrimination against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: SC
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 recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-11-30
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
i opened an Apple credit card on XX/XX/2023. During the time frame of XXXX XXXX i purchased XXXX XXXX XXXX XXXX, and XXXX XXXX screen protectors using the Apple credit card. the Purchase of the XXXX XXXX earned {$100.00} in cash back. The cash back was transferred to the Apple Cash feature that can only be accessed through the icloud account linked to the Apple credit card. As a result of the 3 iphone purchases over 3 day period my icloud ( that has my apple credit card and apple cash rewards linked to ) was flagged for suspicious activity and the icloud account became inactive locking access to the rewards and apple credit card. As a result of this i decided to return all the devices and close the credit card since i no longer have access to the account through the icloud. After i successfully returned all the items. i contacted apple credit card to verify my accounint balance and the apple card representative informed me that i had a balance of {$100.00} that they payed out to Apple cash in cash back rewards. So i contacted apple cash support and i was told by the representative that this is a behind the seen issue and that they have no way to access the account and return the reward funds leaving me with a debt of {$100.00}. in the end i opened a apple card, made a purchase, returned everything and still have a balance on the Apple card. For a XXXX dollar corporation to treat their customers like this is a complete joke. All i wanted to do was take advantage of financing for XXXX phones using the Apple card for me, my wife and my daughter. Its not just the {$100.00}. its also the countless hours i have been bounced around from department after department with the same results that no one can help and only a person from behind the scenes can help and no one is able to talk with them. the night of sleep i lost and all the gas and miles i put on my vehicle picking up and then returning everything. Apple is by far the worse customer support i have ever dealt with. i hope this message will help open the eyes of others and that they dont experience what me and my family went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I used XXXX multiple times and have never had an issue but this one purchase. I purchased a product from XXXX using XXXX  and I didnt receive the product. The product was said to delivered but was not. XXXX did not ring my bell or alert me to any delivery that day. Instead I am told it was left downstairs in front of my building where it can be accessed by anyone without a key. I purchased this on XX/XX/2023. I have been going back and forth with XXXX  and XXXX  explaining to them I have never received the package. The company did an investigation and took XXXX word that they delivered. I have had numerous deliveries with no issues and have used XXXX  and XXXX  a lot. The one time I have an issue they are unwilling to support in this matter. I shouldnt be responsible for a package that wasnt received.

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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting 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:
XX/XX/XXXX Hard Inquiry, I don't recognize XX/XX/XXXX Hard Inquiry, I don't recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
You are reporting the date of last payment as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) 2. Remove these late payments because I was never 30 days late in XX/XX/XXXX I was only 27 days late XXXX XXXX Account Number : XXXX Please submit onto XXXX  Form and please remove late payments under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called CAPIO partners bc they sent a text to begin with without my permission and I called in because I wanted to make sure it was valid. Upon calling XXXX my name and the first call was with a young lady and she gave me all my information during the verification which means that anyone can call and say their me and get my personal info that was a flag then I asked her about settling the account according to the text and if it could be deleted she adv she had to check bc she was unsure then a supervisor jumped on adv that she was listening to call but they never advised their was a second person on the line made me uncomfortable and she started asking but provided my personal information to me so I hung up a few days later I called back and got a gentleman and it was the same verification with him giving me all my information when Im the one calling in, Advised him I was aware of the debt they have in office and was wanting a willing to accept settlement agreement letter that said it would be deleted from my credit upon me paying the 50 % he advised me that CAPIO PARTNERS doesnt do that because that would be giving me a receipt for something I hadnt paid for yet and that since I work in collections then I know I can file a complaint if they lie after I pay them the 50 % sif offer and it wasnt deleted I advised him that XXXX  XXXX said same thing and I paid and it wasnt deleted and bc I didnt get it in writing I had nothing asked him again for the proof that they will delete after I pay and he said he couldnt advised him I dont want the calls or the text bc I didnt authorize a text to begin with and I would call on my own dont need them to call me until they can get their stuff together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company 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 2022-01-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

( AMEX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Got a letter from Bank of America saying that they are working on an credit card application under my name for the XXXX XXXX XXXX XXXX XXXX XXXX ( R ) and need to verify the info on the application. 
I called my bank and let them know that I didn't apply for the card and that my identity info have been compromised. I request them to cancel the application process.

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 2021-10-28
Company: TMX Finance LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My cell : XXXXcalls with the same message multiple times over day for a debt I do not have. I have no business relationship with titlemax. 
Calls : XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX This is only XXXX. Has been going on for many months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony Bank, XXXX XXXX, XXXX, FL XXXX is as of XX/XX/2018 charging me {$64.00} in late fees and {$2.00} in interest for nonpayment of a disputed charge for {$74.00} bringing the total they claim I owe on my closed account to {$140.00}. The same day I saw the {$74.00} charge ( pending ) I contacted Synchrony Bank to dispute the charge and was advised to contact the merchant. I immediately contacted the merchant and was told I could not have any information on the charge because I was not authorized on the account. I recontacted Synchrony Bank with the results and was told I could do nothing until the charge cleared and then I could dispute the charge so I immediately closed the account and paid all but the disputed charge amount. Once the charge posted I mailed a dispute ; I received a non-favorable decision and called in a second dispute ; I received a second non-favorable decision. The charge in question was made from an account of an ex-roommate that had been an authorized user on my Synchrony Bank credit card but who I had unauthorized when she moved well prior to the disputed charge of {$74.00} and whom I had no contact with to resolve the issue. For this reason I claimed and continue to claim the charge was not authorized ; that I was denied power to stop the processing of the charge by the merchant, claiming I was not authorized on the account, and Synchrony Bank who would not take any action on the pending charge. This is clearly an unauthorized charge and I am being harassed and intimidated with huge late fees to coerce payment.

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 2023-09-14
Company: CCF Intermediate Holdings LLC
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is the XXXX time SpeedyCash has placed my name with a loan I never got and then sent it to collections, destroying my credit. I am sick and tired of this. I have NEVER opened an account with them and when I called them they said my name or information was not found in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I received a notice on a credit monitoring site that Capital One has closed my Credit Card Accounts without even contacting me and will not explain to me their reasons. I have NEVER been late with my payments on these or other accts on my credit reports. This is very unfortunate and disturbing that an organization that seems to have such a good reputation would do something close my accounts ( even though I have Excellent Credit and Credit Scores ).

Company response to consumer: Closed with explanation