BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have federal student loans that started with Nelnet, changed to XXXX XXXX, then went back to Nelnet. During this time, I went into automatic forbearance starting XX/XX/XXXX when I filed for bankruptcy. During this time, my loan was to stay in forbearance even if I made payments. However, I was placed in and out of forbearance ( moved from forbearance status to " in repayment '' status at various times during this period ) ; thus causing interest to accrue and/or capitalize unfairly. Additionally, there are misreported unknown forbearances over time leading to outstanding interest that is not adding up. Something has been misreported and I would like this to be investigated further. When I asked about my exorbitant amount of interest and capitalized interest back in XXXX, Nelnet did not have any explanation. Once I pulled the attached document and had an expert review it, discrepancies were found as noted in the previous sentence. 

Please see the attachment showing payment history and disbursement form XXXX. Any assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, PHEAA XXXX Date Opened : XX/XX/2019 Balance : {$9000.00}, PHEAA XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
i went to california check cashing store to get get a pay day loan they said could not get one that i had one out already tolled me call XXXX XXXX   i told them i pay my loan on XX/XX/2019 and here is XX/XX/2019 and cant get one, so call the number they said that they didn : t have it call this number XXXX XXXX they said they sold it two another company and told me call XXXX XXXX XXXX i did not i remember getting something in the mail so i call them at XXXX XXXX XXXX which is not check cashing they said i was ok toll me go back to store if have problem have them call us back, then i was told no once more, because of another loan so call back number XXXX XXXX XXXX they because didnt meet criterion you can retry in one mouth, but the guy i talk too before said i would never be allowed to loan with them again, when iam paying mine loans, and how many people have my info what do i do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: FEARON FINANCIAL LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX XXXX and own a XXXX XXXX in California. I have a client that went shopping for interest rate quotes for an upcoming purchase and got an email from a loan officer at XXXXXXXX XXXX that contained illegal information. 

It looks like depending on whether you get referred by a certain realtor or not, your closing costs and interest rate are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: HW Holding, 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: Account status incorrect

Complaint:
I co-signed for a rental agreement for my XXXX  XXXX XXXX XXXX that ended in XXXX, I believe XXXX or XXXX. I informed lessor I wasn't going to renew lease and XXXX informed lessor she was moving out. That's all the contact I have had with the company. I didn't know about this balance or what it is for such as rent or damages. I have had no mail or emails from the company since XXXX. If not for my mortgage company notifying me there was a derogatory entry on my credit report, I still wouldn't have known it was there. I am requesting they take this off my report since they haven't even sent me a bill or letter to contact them. I would suggest to them I can't pay something I have no knowledge of. According to the credit reporting act, it is my understanding they have to show proof they have billed me prior to reporting to credit bureau, which they haven't. For this reason, I am requesting this be removed. 
The lessor was XXXX XXXX XXXXXXXX and Hunter Warfield is connected somehow, not sure how.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I requested a withdrawal of XXXX eur from my Coinbase account to my bank account. Coinbase sends me an email indicating that the money would be in my bank on XXXX XXXX. Today I still do not receive it in my bank account. I contacted the Coinbase support team but received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: NC
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:
Hi, I submitted a dispute with Experian re : 3 accounts. The three accounts are with XXXX, XXXX and XXXX XXXX. All these accounts I asked for a Method of Verification as to how they came to the conclusion that these accounts are mine. 

I sent documentation with certified return receipts and asked for an investigation within the proper timeframe as per the FCRA. 

I have sent several letters and have NOT received any Method of Verification since I have been asking which began in XXXX, 2020. I am tired of this and it is hurting my credit rating. I need these to be removed Immediately as I have followed all the proper protocols as described in the FCRA.

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 2019-04-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
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:
Wakefields and Associates is on my collections report for an old doctor visit that was written off by the hospital as " XXXX XXXX ''. The hospital wrote the bill off due to my financial standing at the time being a college student and now Wakefields ( third party debt collection ) bought the unknown about debt from the hospital and is asking me to make a payment on a bill. Once they contacted me, I asked them for documentation that they had proper paper work and they can not provide information of the bills. This account has no legal right to be on my credit collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
My lease was up in XX/XX/XXXX. I extended my lease per attached, received the paperwork dated XX/XX/XXXX for 90 days ( 1 month at a time to be canceled at any time but not to exceed 3 months ) On XX/XX/XXXX I received the loan extension paperwork ( attached ) which was completed and returned with a payment ( attached ) on XX/XX/XXXX I received proof tha tthe vehicle was returned to XXXX XXXX on XX/XX/XXXX and paid off with subsequent lease XX/XX/XXXX ( proof attached ). 
Ally has since reported me 30 days late fro XXXX which is impossible for a few reasons. 1 ) i lawfully extended my lease and remitted payment for XX/XX/XXXX. 2 ) I returned the car prior to retaining the new lease for 30 days per attached. 3 ) I have attached the proof that Ally was paid in full XX/XX/XXXX for the car returned on XX/XX/XXXX ( still under 30 days, which I paid for anyways ). Regardless of any claim, as evidenced, none of the above happened in over a 30 day span which is proved with the attached documents.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collector has not supplied original contract with guarantor signature provided. Via documentation provided in an attempt to verify with secondary guarantor, documents provided were not sufficient enough to support this claim of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Better Mortgage, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Better mortgage is terrible. They told me they'd be my originator and servicer. Then they sold my loan to XXXX XXXX and forgot to pay my insurance bill. They're amateur best. My homeowners insurance has since been canceled, meanwhile, I have XXXX  in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XX/XX/2023 {$26.00} XX/XX/2023 {$26.00} Experian credit report They changed twice for something I don't know what it is..

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 2018-02-05
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: ND
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
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 submitted a letter to Experian, XXXX, and XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX : {$0.00}

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 2023-06-24
Company: Experian Information Solutions Inc.
State: NJ
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 below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is claiming myself and my husband owe money to 5 llc 's in nevada for a total of {$2900.00}. This is the collection company info- Mcarthy Burgess and Wolf-XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX Phone XXXX Fax XXXX I looked up each LLC -- below -and each company has been out of business since XX/XX/XXXX. 

Invoice ( s ) : XXXX, XXXX ( NV ) | XXXX, XXXX ( NV ) | XXXX, XXXX ( NV ) | XXXX, XXXX ( NV ) | Balance Due : {$2900.00} MBW No : XXXX I have asked for the original dates that the debts were incurred and the contact information for each company -- they outright lied and tried to tell me XX/XX/XXXX.. which is impossible, as these companies ' have not existed since XX/XX/XXXX. I have disputed these debts and requested documentation -- which as you can see would be impossible for them to have or get considering - the companies have not existed for 11 years.- YOU HVAE PERMISSION TO TALK TO MY COUSIN - XXXX  XXXX REGARIDING THIS ISSUE. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: BANK OF THE WEST
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and I would like to report an online scam involving the scammer 's account with the Bank of the west I had posted an advertisement on my college XXXX page '' University XXXX XXXX  XXXX XXXX '' that I was looking for a room mate for my apartment and I was scammed by a person who said that they would like to send me a deposit. Instead of depositing the XXXX dollars that was agreed upon, the person would send me XXXX dollars by mistake and ask to send it back. 

When none of it is true it is a common Scam that they target XXXX students, Day 1 : The scammer by the name XXXX ( Phone number XXXX ) offers to send you money of XXXX dollars, They insisted on XXXX XXXX  XXXX as they are unable to send from Bank of the West , I give my friend 's XXXX XXXX   XXXX account number to receive the money, in this case my friend Mr XXXX XXXX XXXX account was given to receive money as I only have a XXXX bank account. 

The scammer deposits XXXX dollars instead of XXXX and calls me to ask me to send it back, now the scammer mentions that her brother Mr.XXXX has a XXXX account and I can also send it to them through the app called " XXXX '' by the email XXXX. I go ahead and send the money from my XXXX account to the scammers account through XXXX. Meanwhile my friend confirms that the money is received in his account and I send it. 

What has happened in the background is that the scammer has called XXXX XXXX XXXX and lied as if it was my friend mr XXXX and that someone is trying to deposit money into his account and to stop it. The bank sends a code to my friends account number and we think that it is a confirmation number for the bank to authorize the money to be received. 

This is where the XXXX  XXXX XXXX 's loophole made things worse. The actual money is stopped by the scammer before it gets to my friend 's account, but the bank releases a temporary credit and the money shows in his account as received. 

Day 2 : We do not suspect anything, but the scammer continues to call us saying that the money was accidentally deposited twice and requested we should send it back. 

I do send the money XXXX dollars again from my XXXX XXXX when my friend saw the increased balance in his account due to XXXX XXXX XXXX 's temporary credit deposited again. 

The scammer stops responding now and has received two XXXX dollars and we know that the scammer has the account 's phone number tied to the Bank of the West and XXXX XXXX. 

I have complained to the police : case number XXXX ( XXXX XXXX police, XXXX XXXX, Michigan ) My friend 's account now stands closed as the scammer might have access. 


I complained to my XXXX XXXX, XXXX customer care and received no support. 

Phone numbers used by the scammer : XXXX, XXXX emails : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$10000.00} {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt.

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