BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Nelnet, Inc.
State: PA
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 removed XXXX points from my credit score when NELNET reported an increase of XXXX dollars in my school loans in XXXX or XXXX of last year. This is a lie. That value XXXX is the original amount of my consolidated Federal Student Aid Loans in XXXX of XXXX. There are no other Federal Student Aid Loans. The 14 consolidated in XXXX of XXXX are the only Education Loans I have. The XXXX XXXX capped Federal Student Aid Loans at XXXX in XXXX forcing me to withdraw from my XXXX  program at XXXX University. In resolving this issue I have learned my FSL consolidated loan is not being serviced by NELNET it is subcontracted out to XXXX ( XXXX ) the former XXXX  : This is what XXXX had to say : With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX XXXX XXXX  are no longer reflected on her current credit reports. 

This is a lie as XXXX reports information on the FSL every month. I have had the same consolidated loan since XX/XX/XXXX. 

Who is committing fraud XXXX, NELNET, XXXX or all three of you? 

Complete Conduent response : " RE : XXXX To Whom it may concern : This is in response to complaint XXXX, which outlines XXXX XXXX XXXX XXXX concerns regarding her account. XXXX XXXX XXXX, XXXX. ( CES ), previously serviced two Federal Consolidation Loan accounts for XXXX XXXX on behalf of Nelnet. Nelnet contracted with XXXX to maintain servicing and repayment activities on their student loans. The following outlines each loan ; XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to Nelnet for servicing with an outstanding principal balance of {$110000.00}. This account is no longer reported by the national credit bureaus. XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to Nelnet for servicing with an outstanding principal balance of {$81000.00}. This account is no longer reported by the national credit bureaus. With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX are no longer reflected on her current credit reports. If XXXX XXXX believes there are inaccuracies on her report XXXX suggest she file a dispute directly with the credit bureau. Please let us know if there are any additional questions relating to this response, or if there is any additional information that XXXX can provide. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
n 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 non-monetary relief
Consumer complaint received 2023-10-01
Company: Bread Financial Holdings, Inc.
State: GA
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:
Comenity Bank XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a XXXX card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: VA
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:
n 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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. 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. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
In XXXX I reached out to Capital one and asked to close my account. XXXX from XXXX, Fl ( IED # XXXX ) confirmed it on XX/XX/XXXX. That this account was due to close XX/XX/XXXX. I paid them and spoke with a supervisor because I was still getting notices that I owed. So on XX/XX/XXXX I paid the balance in full {$180.00} and asked the supervisor I was speaking to at the time Is this my last payment am I sure there will be no more fees. Unfornately, there were some charges after that and I did not find out until I checked my credit report and seen it said account was still open in XX/XX/XXXX. I reached out again and stated to them this account has been closed and since then there have been no activity on the account. At all. I was charged {$2.00} in XXXX and {$8.00} in XXXX Which I see it was making my credit score decrease. so I paid the {$8.00}. My account was closed on XXXX but it is stating on my report it was closed XX/XX/XXXX ; and XXXX XXXX and XXXX. Which This two inaccurate dates and the closing of XXXX is inaccurate. I am trying to get those late payments removed because it is taken a toll on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-04
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a wire transfer to Coinbase in the amount of {$6000.00} on XX/XX/2017 from my business account. However, because the name on my Coinbase account did not match my business account the wire was supposed to be reversed. I received emails from Coinbase stating that my wire would be reversed. To this day I still have not received my money back. I have called and emailed several times with absolutely no help, not even one response from them besides automated email responses. I provided them with dates and the wire transfer transaction number. I saved all their emails and all my email attempts to get some support. My Coinbase case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband XXXX XXXX XXXX recently awarded from as XXXX XXXX XXXX XXXX. what that means that we're no longer paying property tax. We have contacted our mortgage company '' Mr. Cooper ''. Spoke to many different representative. First one rep was nice told us they will get contact the tax office and will get it taking care. That did not happened. I called back XX/XX/XXXX date might be wrong, because we have called them multiple times. and everyone we spoke to give us different story. Long story we have provided proof to requested the mortgage company to stop the paying property tax. they said it's only {$250.00} exempt. I even the give them the person at tax officer Mr. XXXX XXXX XXXX XXXX XXXX XXXX. He is the one that approved the property tax effective date XX/XX/XXXX. As I said all this including the letter from MR. XXXX. I have faxed to Mr. Cooper fax # XXXX XXXX on XX/XX/XXXX. 
When I called XX/XX/XXXX spoke to someone, again I have explained all over again. They promised us that they will get in touch with tax office have it resolve. Now today XX/XX/XXXX when I called to Mr. Cooper Mortgage, nothing was done, again they told us that we have to contact the office again. We contact the tax office, they sent us the letter proof of our property tax exempt. The Mr. Cooper Mortgage refused to listen to us and give us a run around while we continue paying for property tax that we should not have. We want MR. Cooper return all money plus interested and finance charges, late fees and return to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent in documentation on inaccurate information reporting on my credit report. The bureau has yet to reply or remove the items from my report. The letter was sent in on XX/XX/2021.

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 2019-04-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrinton Mortgage was paying on two home owners insurance, in XX/XX/XXXX they were notified of that policy being closed, Carrington was given the correct insurance company which was XXXX XXXX. Again in XX/XX/XXXX Carrington Mortgage company was paying a insurance bill on a closed policy with XXXX XXXX in XX/XX/XXXX after i had put them on notice in XX/XX/XXXX. Due to this irresponsible error, my escrow account is - {$3500.00} and my house payment went from {$800.00} to {$1200.00} and they have me in arrears, due to the inflation of house price. I have put this company on notice twice, I do not believe this is my place, they have been notified and now my credit shows i am behind, which i am not. Then I receive a registered letter on XX/XX/XXXX of intent of foreclosure, when I called XXXX  the CSR says I do apologize! This is clearly this mortgage company 's error, XXXX  said when carrington receives a bill they just pay it, i believe the closed account info I provided to them should of been enough for someone not to make a careless mistake. So my escrow is negative, my house increased {$400.00} my credit has been hit for late payments which i am not, and yet nobody wants to be held responsible. I am working with XXXX, ext. XXXX   employee number # XXXX  and he was going to open a incident report on Friday XX/XX/XXXX and get back with me and i have called and had to leave messages for him to return my call, I cant get a hold of him, and i cant get anyone to send me to the extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged {$71.00} for an interest charge XX/XX/31 which, after contacting Goldman Sachs ( Apple Card ) on XXXX, was told was trailing interest despite my never having been charged such a fee, despite paying off my full balance. In attempting to address the issues with the company, I pointed out that their payment app only showed one type of interest charge, and no indication of any other type. I was told I misunderstood the terms despite pointing out that I /never/ had this type of charge before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My charge card was closed due to delinquency b ack in 2016. Since then, I have been instructed by Old Navy to continue to make payments. I have advised them in the p ast, via chat, that I have fell into a financial hardship. At times, they waive the late fee, but that is not enough help. I am struggling and can only afford my rent, utilities, and food-the bare minimum. Whenever I try to call in, it is a hassle just being able to reach someone or have my call escalated.

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 2019-08-29
Company: Local Management, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
1st complaint # - XXXX I originally filed my first complaint XX/XX/19. After speaking with XXXX the branch manager on XX/XX/19 & requesting she stop contacting my job ; she called back to.my office again XX/XX/19 to harass me on my job for the 2nd day in a row. After speaking with me at my job & still threatening to have me arrested at my job site, XXXX then called my husband back & threatened him again with have myself and him arrested. 
I have explained multiple times that I do not have payment & for her to follow whatever course she needs to. XXXX has continued to call my job after being told to stop. She is still threatening my husband & still threatening to come to my house. 
Also after she made threatening phone calls, she ran my credit XX/XX/19 without permission & her comment to me was she was calling every contact she could to.force me into the branch to redo.loan which I have refused to do. 
XXXX, branch manager will not stop making harassing and threatening phone calls to my job or spouse. 
Please make it stop!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They keep charging me fees. They are too thristy to charge fees. They don't send payment notifications until after payment is due. They charged me 3 late fees so far and won't remove them. All my payments are literally on time being made as soon as I get notification of payment needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: CA
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:
I have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX,19. Equifax just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.XXXX Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. XXXX open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

Equifax, XXXX, and XXXX please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: CBC Companies, Inc.
State: CO
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:
XXXX BANK XXXX OPEN XX/XX/XXXXXXXX  XXXX XXXX  XXXX OPEN XX/XX/XXXXXXXX  BOTH ACCOUNTS WERE REPORTED AS ID THEFT XX/XX/XXXX. 

BOTH ACCOUNTS WERE DELETED FROM MY REPORT XX/XX/XXXX. 

SEE ATTACHED DELETE CONFIRMATION. 

BOTH ACCOUNTS HAVE RE APPEARED ON MY REPRORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
the company is reporting my nonpublic information without my consent, under 15u.s.c6802 Obligations with respect to disclosures of personal information. I have a right to privacy and I never received or was told that I could Opt out from my nonpublic information from get report. This is a violation of my consumer rights and identity theft

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 2023-10-01
Company: CBC Companies, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Inaccuracies on my report such as inquiries The only inquires that I should have is XXXX XX/XX/2023 anything else is wrong and I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX  has placed an account on my report which does not belong to me. They have no documentation of me with an XXXX  account. Instead the want Me to pay a settlement. I have disputed the with Equifax which has had no help. Im seeking help to ATLeast have XXXX send me some documents proving this is my account. Which I know it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is the second time  XXXX   XXXX   XXXX  is reporting I have delinquent payments on this account. I have my bank statements showing that I have paid this account every month that the company is reporting I did n't pay the account. I have attached my statements with the dates and transactions circled to show payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not recall pulling my credit this year. Please remove

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