BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX System Account # XXXX ( XXXX ) XXXX a derogatory mark was placed 6 times for XXXX of XXXX Even though I was in XXXX with the United States XXXX and I told them I was leaving. 




XXXX XXXX # XXXX ( XXXX ) XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time forXX/XX/XXXX These were placed on my credit report even though I was placed in forbearance for a temporary pause in schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans show missed payments on my credit report. This is an error because I completed the forbearance paperwork and submitted it with XXXX  on time. XXXX acknowledged their error with the letter attached. I disputed it with Trans Union, XXXX  and XXXX  and provided the letter that I have uploaded below from XXXX acknowledging their error. Even though they acknowledged that my loans should have reflected that they were in forbearance it still shows on my credit reports that I missed the payments and my credit has been negatively affected. I filed this complaint to all 3 credit bureaus in XX/XX/2019 and provided them with proof ; the letter from XXXX ( attached ). The late payments are still showing up on my credit reports! They have not done their job by removing these late payments from my credit report. The attached letter from XXXX XXXX shows all of my loans, amounts and account status : forbearance. I am now currently making payments on my student loans and am out of forbearance. I have excellent credit otherwise and would like these negative late payments removed from all credit bureaus.

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 2020-04-29
Company: U.S. BANCORP
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a forbearance agreement with Us Bank and initially they had told us that it was only good for 90 days then a payment would be due for the months missed. I called today XX/XX/2020 and spoke with a Lady named XXXX id # XXXX at there Missouri office and informed her that I wanted my 180 day forbearance as required by the cares act under the law she said it was not possible only 90 days then I would half to call back I guess every 90 days I referenced the letter sent to the Banks by commissioner XXXX XXXX # XXXX as to what is supposed to have happened. But Us Bank keeps misleading customers in to believing its only 90 days and you half to make a lump sum payment. ( Also that's what the rep stated to me as well ) If at all possible can you inform Us Bank to correct themselves in misleading consumers in to believing its only a 90 day forbearance period and to quit relaying this information to their customers and set the forbearance at the 180 days per the Cares Act. Instead of making there own interpretation of the Law. Thank You 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 2018-11-16
Company: FC HoldCo LLC
State: FL
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:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

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 2019-06-26
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX directly paid XXXX for my internet service at my resident. I never received any billing statement from XXXX. Everything was handled directly between XXXX and XXXX. 
I moved and ended my employment with XXXX on XX/XX/XXXX. I received a letter from Credit Management dated XX/XX/XXXX to my new address attempting to collect {$120.00} for XXXX. I called XXXX on XX/XX/XXXX to resolve issue and they confirmed the account was XXXX corporate account. I also called Credit Management to dispute my collection account. I finally received a letter from Credit Management dated XX/XX/XXXX that they had reviewed account and resolved it. The letter stated " Our office has reviewed the above-referenced account and we have made the decision to discontinue our collection efforts. Rest assured that no information regarding this account has been reported to the credit bureaus by this agency. '' However, recently, I checked my credit reports on XX/XX/XXXX and noticed this Collection account is on my file. It damaged my credit score and my credit history. I have disputed with all XXXX credit agencies. XXXX   and XXXX  did not resolve my issue. It's very frustrating process. Please assist me to resolve this issue and make sure the collection account is removed from my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Navient Solutions, LLC.
State: MD
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:
On XX/XX/2020 I was contacted by a collection agency about my private student loan. I checked Navient 's website and found my loan was in repayment with the last amount due showing in XX/XX/2020 which was paid. No amount due was shown after this, and with the cares act everything was assumed to be in order. XX/XX/2020 I contacted navient by phone and was told their website no longer updated even though it showed that it had been updated that day and my loan was still showing as in repayment with no amount due. Navient 's collection representative then informed me she had no access to my account other than the balance and that I would have to cl tact the collection agency to pay the amount in full within 30 days. According to the records I have access to on Navient 's website, they have been accepting payments for that account and my account is in good standing. 

Upon checking my credit report, Mavient is reporting my account as delinquent and has been for over a year along with making regular credit Inquiriees without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Cedars Business Services, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cedars Business Service is attempting to collect debt that could not be mine ( from XX/XX/XXXX XXXX for a car rental service XXXX that no longer exists. I have not used XXXX since at least XXXX. They continue to email me and wont leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I closed the credit card account and it has {$160.00} credit that they will not send to me. I spent over 40 minutes with the chat line, then over 25 minutes on the phone with the credit card department giving my social security number, drivers license number, address, phone numbers, etc.and all I get is " we will call in 1-2 business days '' or " we will call in 2-3 business days ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I wire transferred a total of {$7200.00} to XXXX XXXX XXXX for the purpose of crypto currency investments. The website stated Please note that the name on your bank account must match the legal name on your XXXX account for the wire to be accepted. I did not know this initially and I deposited the money using 2 different bank accounts that belonged to my husband and sister in law as we are all interested in investing. The wire transfer is suppose to appear in my account within 1-2 days and after I did research on why it hadnt arrived, I came to the conclusion it must be because of the different names on my Coinbase account and husbands/sister in laws bank accounts. However the wire transfers showed completed on both bank accounts with no funds in my XXXX account. I am worried the money is just lost now and Im out {$7200.00}. I debited {$250.00} from my husbands checking account and wire transferred {$5000.00} as well. Then using my sister in laws account, I wire transferred {$2000.00}. I have tried contacting XXXX  directly through their customer support number and no one answered after waiting in line for about 3 hours. I have also emailed them with no response. How should I proceed about this? What is the next step I should take?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting incorrect information on my credit report. I was never late XX/XX/2020. This payment was made on time and I am not sure why it is reporting inaccurately. I have made late payments in the past, but this is erroneous.

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 2021-04-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My issue is with Chex systems sometime in 2017 they reported an account from XXXX XXXX stating that I somehow owed them XXXX XXXX XXXX dollars which was completely false they never even let me open the account I had paid a XXXX dollar account opening fee that they refunded back to me right away I didnt have the account open for one whole day before they closed it and gave me the XXXX dollars back so I disputed this through their system and they denied me they considered it to be valid I dont know how or what they determined their decision based on because it was false on all levels but besides all of that it has been more then 3 years now and by law they legally have to take it out of my name I have tried to dispute it and demanded a request for removal procedure for the false account and all the millions of denied and declined inquiries from all the banks for the last past 3 years

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, collection accounts that reports an open account status. {$0.00} balance owed accounts that reports an inaccurate account status and payment status. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2019-06-26
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collections listing from Diversified Consultants for approximately {$1000.00} was entered onto my XXXX  and XXXX  credit reports around XX/XX/2019. As soon as I noticed this, I sent the collections company a request to validate the debt. In response, the company sent me a letter that simply stated they verified the debt is valid. They did not provide me with any proof whatsoever. I have now requested proof twice, and each time they send me a letter that simply states they have investigated and the debt is valid.I have attached all letters I have sent them and the letter they sent me they incorrectly consider proper validation under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: LEXISNEXIS
State: IL
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:
On XX/XX/XXXX I initiated a public record investigation with LexisNexis. I received a response dated XX/XX/XXXX stating that LexisNexis removed the item in question from their report but as of this day LexisNexis is still reporting this item to the credit reporting agencies that they report to Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Option Funding, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was working with a Loan officer by the name of XXXX XXXX with Option Funding. I had been working with her for several months. She was trying to be the real estate agent and the loan officer. She told me to send her homes I was interested in seeing. I sent this lady so many homes and I never saw any. I went out an got a real estate agent to show me homes and this lady would show me 4 house in a day, at least 10 a week. I found a home I loved and XXXX sent me notice on XX/XX/2020 I had full loan approval, well with all this Covid she did not secure the loan and the company placed overlays which made me didn't qualify no more dur to the DTI changes. A week before my closing date I received a email with prices and saying my closing cost was 13+ thousand to close. I had already placed {$5000.00} in escrow do i'm think I only had to bring in the rest of my 3.5 percent since my closing cost was covered by the seller. When I called she said I now had to buy down the rate in order to get the rate I wanted. She never once mention about impound accounts til a week before my closing and we talk almost every day. I felt like for me to be a 1st time home buyer she failed at disclosing all information upfront. When you ask her questions she gets dance around what you asking. Her tone would change. I called XXXX is suppose to be a supervisor and cried and explained how this experience for a 1st time home buyer had me feeling. He did nothing but say he worked with her for 30 years and hasn't had a complaint. This woman never apologized even after I told her how she was being rude all she did was say " I was getting frustrated '' She could've easy made this better by owning up to her part, apologizing for being rude. I had my real estate age on three way and XXXX knew it because I thought I was going crazy not understanding what she was doing but my agent felt confused also. You ask her questions and she picks and chooses what to respond to. Horrible

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Direct Recovery Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls from assorted phone numbers, all of which are not active when called back, they use number spoofing and neighbor spoofing to call and threaten legal action. I have never dealt with them and will never return a call or " log into their website '' to do business with them.

In veiled language they threaten legal action, disguised just enough to make it legal, but threatening none the less. They also threaten to contact you neighbors, friends and family and employer.

They need to stop calling me or anyone they have on file with my account, cease and desist immediately!

They don't even use a legitimate street address, how could you trust a scammer like this?

They are a shady bill collector who uses scare tactics and less than legitimate technics to scare people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: LA
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:
inquires FTC violations fled to the federal trade commission 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  all filed to the ftc XXXX XXXX XXXX XXXX Unauthorized charges successful iconSubmitted  XXXX  XXXX Unauthorized charges successful iconSubmitted XXXX  XXXX   Unauthorized charges successful iconSubmitted Always know what's on your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo would not allow me to pay my loan with my XXXX Checking account online. I tried to make the payments with checks and they never processed those. I called Wells Fargo and told them of this issue an they stated they would launch an investigation. While they were " investigating '' they said my checking account was a credit crd and then they reported delinquency on my credit report stating that I never bothered to make payments. This information is false as I had reached out to them numerous times and every person I talked to was " unable '' to help me. The missed payments is an error on their end and I should not have to bear a horrendous credit score because they refuse to correct their own mistakes. 

The response to my first formal complaint was ridiculous. They never sent me any letters. They do not send certified mail, therefore they can not prove that they sent me anything. Furthermore, they did not address their failure to log in the numerous calls that I have made when I tried to get the issues resolved in XXXX. This is there doing and I want every person that I have spoken to fired.

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 2020-11-05
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, I have a problem with the EXPERIAN credit reporting agency. They are reporting false information on my credit report. I sent them a police report a police complaint number and a letter stating about my Identity Theft. They did not attach the documents to my file nor have they fixed the issues with uploading documents on their website. XXXX XXXX  and XXXX XXXX are fraudulent accounts on my credit report and EXPERIAN refuses to take them off.

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