BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Nelnet is my servicer for my student loan for my XXXX studies. My account number is XXXX. I took 2 loans out to pay for my XXXX {$20000.00} and {$12000.00}. Due to financial hardship over the last few years, I have had to defer my student payments until my divorce is final and get back on my feet. Recently, I received a notice that I was late on my student loan??? I thought I had a deferment. I look at the website and my deferment was denied in XX/XX/XXXX. I never received this letter. I called NelNet and got an excellent representative XXXX. She explained what Nelnet had done to me since XX/XX/XXXX.  Nelnet has been capitalizing the interest on my principle since XX/XX/XXXX. This now makes my {$33000.00} principle increase to {$37000.00} which I am now paying/accruing interest on. This was done without my knowledge. This was not explained to me. XXXX explained it did not have to be explained to me but now the Department of Education mandates that borrowers need to be told that deferments or forbearances will the capitalized interest and become part of the principle. Now, I am PAYING INTEREST ON TOP OF INTEREST. Who is making this extra money? I am in a hardship situation and the lender or servicer is gouging students with this usury type practice. On XX/XX/XXXX, I had an admin forbearance prior to deferment that capitalized interest. On XX/XX/XXXX, I had a grace period deferment that capitalized interest. On XX/XX/XXXX, I had an admin forbearance that capitalized interest. And now on XX/XX/XXXX, I will have a forbearance deferment that will again capitalize interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Equity Settlement Services, Inc.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. Equity Settlement Services ( a title company ) did not pay off the existing loan by wire transfer as required by the existing lender 's attorney who supplied wiring instructions to XXXX XXXX XXXX ( the Mortgage Loan Originating company ). Instead, and for unknown reason, Equity Settlement sent the payoff funds by check. The result of the delay in payment was that the clients, XXXX XXXX and XXXX XXXX, were forced to pay an additional {$1300.00} in payoff funds to the lender because of changes in exchange rates and approximately {$1600.00} in fees to their attorney for attempting to obtain a refund from Equity Settlement and XXXX XXXX. 

2. The lender 's attorney states that he received a scan of what appeared to be a copy of a payoff statement that was " grafted '' onto a page containing his letterhead and signature. One of XXXX XXXX or Equity Settlement is the author of this " grafted '' statement. Such breach of trust is serious and the clients demand an explanation. 

3. The clients requested the name of the companies ' malpractice ( errors and omissions ) insurer. The companies refuse to provide such.

4. Although 4 months have passed since they collected their fees in this transaction, Equity Settlement Services and XXXX XXXX have yet to provide their clients with documentation showing that the previous mortgage has been discharged and is satisfied of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
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:
XXXX XXXX XXXX XXXX is misusing my private information without my consent. I never gave XXXX XXXX XXXX XXXX permission to use my social security number nor did i gave XXXX XXXX XXXX XXXX permission to inquire about my credit. I have no business relationship with XXXX XXXX XXXX XXXX and i did not apply for a loan. XXXX XXXX XXXX XXXX is causing injury to i.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.C. System Inc has an account on my credit report that I disputed from both XXXX and XXXX. I am aware that the reason I disputed the account is accurate, because they removed it from my XXXX report ( see attached ). It is still listed on my XXXX  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 2021-09-03
Company: FC HoldCo LLC
State: CA
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:
My credit has been pulled fraudulently. Please remove inquiry

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 2020-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America keeps adding 3- {$4.00} per transactions. I use BOA teller - they charge me ATM fee. For using BOA. 
I purchase on XX/XX/2020 large pan of rice and beans from XXXX XXXX receipt I signed was $ XXXX my XXXX says BOA charged me {$88.00}. XX/XX/XXXX XX/XX/2020I purchase chicken I digned the receipt for $ XXXXBOA alerted me with a transaction of {$23.00}. This had been going on since I had this account. Ive filled a complaint with the mass attorney general office. Called BOA to dispute these charges stayed on hold for2 hours then to a lost transfer. I would like a call back to help me get my stolen money back from BOA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Dear Sir or Madam : I have a huge problem with the XXXX. When I attended XXXX College in XXXX, NJ in XXXX I was only aware of a XXXX XXXX loan. That loan was paid in full in XXXX. However, shortly after I began hearing from the HESAA. They said that I owed them about the same amount of money. 

In XX/XX/XXXX, I received a notice that the HESAA loan was in default. I called the HESAA about it. The woman I spoke to was very unprofessional and curt with me claiming this loan to be mine. She promised me a copy of the promissory note and hung up on me before I could ask other questions. The same thing happened to me again with the same woman when I called a few days later. I never received that loan copy ; only more bills. 

Then in XXXX of XXXX I received notice of my loan debited out of my current salary unless I objected. I only work part-time and have been in and out of the Welfare system for the past three years. I sent in for arbitration and made a written request for my loan paperwork. It is that paperwork I received back that is making me so upset. 

Not only did I receive loan paperwork in my name for another loan provider on an outdated form with no loan amount on it and two paid off loans that were over 26 years old, but they had sent me a total of SIX other notes for three other completely different people. Each loan form had a different name, different addresses, different social security numbers, and different colleges. None of the loan documents, including my own, had the social security number blacked out. I am asking them for a least a year of XXXX XXXX service for this breach of confidential information. These people are obviously not me. I am wondering who they are sending my information to. 

I had complained to the arbitration board previously about the hang up calls and unprofessional service when I sent the letter requesting my paperwork. To my knowledge nothing was done about it. A financial hearing was started. 

Someone from the arbitration board did call, but they wanted my personal information which I refused to give. They had called me and not the other way around. The only information exchanged during that conversation was that there was new information about what they were claiming my loan to be and that I was upset about the breach of information of three other people. 

I am currently making a new complaint for the loan forms received as well and to request a different arbitration hearing. That paperwork has not been sent out yet. I am planning on sending it on Tuesday XX/XX/XXXX. The original complaint letters and the 8 promissory note copies for both myself and the three other people they sent me will be available for your review upon request. 

Thank you for your time and attention in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I did not authorize any of the items on my report. I would like for these item to be removed. I have contacted the credit bureas sent them multiple letters. Can you please help me remove these items.

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 2018-01-01
Company: National Credit Systems,Inc.
State: SC
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 ask this creditor to provide me with documentation that i agreed and sign a financial obligation to pay them the amount they are reporting. I ask them to show me detailed notations of how the balance they are reporting was configured, including notifications, dates, invoices, receipts of damages paid. I sent 3 certified letters to this company, the first one was sent off on XXXX XXXX, 2017. The collection agency is not the original creditor, i 've reached out to the original credit as well but no no response. I 've asked for validation not verification, and a timely response, under the guidelines of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a collection notice from ERC dated  XXXX / XXXX / 17  in the amount of {$610.00}. I placed a call to ERC  XXXX / XXXX / 17  to make payment arrangements on the account. After I had discussed the payment arrangements, I then checked my credit report. The credit report verified that a Collection account from ERC was placed  XXXX /2017. The letter that I received from ERC dated  XXXX / XXXX / 17  was 30 days after the collection account was placed on my credit report, ERC did not notify me prior to placing a negative item on my credit report and did not allow the time to satisfy the account prior to reporting the collection account. ERC should allow 30 days notice to consumers before reporting negative items on credit reports. With the negative impact this account has had on my credit report, it will prevent Homeownership due to lower credit scores, it will also prevent employment opportunities that would allow for advancement to my career. This has a tremendous negative impact to many aspects of my life. I should have been give the opportunity to resolve the account with ERC prior to the negative reporting.

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

Complaint:
Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX  account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: AR Solutions Inc
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an account on my credit report from a company named " Accounts Rec Solutions '' which is also know as " AR Solutions ''. They have continued to report an account on my credit report that I have no knowledge of nor have they been able to provide specific information relating to me being the original account owner. They only respond " the account has been verified ''. I have asked for them to provide documentation relating to the verification however they have refused to this point. I have NEVER been to the account they are collecting for. I have asked them to remove the account on a number of occasions and they have refused to do so to this point. 

They have been reporting a collection of {$330.00} since XX/XX/2016. 

The contact information for the creditor in questions is ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions Inc.
State: NY
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 advised Experian of a collection account from XXXX XXXX that it dose not belong to me. However, they still continue to report, with any supporting documents. It 's also been removed from XXXX XXXX XXXX, which is an Experian product, and it 's reinsert.

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 2022-02-14
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 a collection for {$310.00} was added and on XX/XX/2021 a collection for {$510.00} was also added, from the company " XXXX XXXX '' reported XXXX collections to my credit report that detrimentally ruined my scores. 
I religiously sent out letters/phone calls to the company to prove that this is not me and to verify the information. They refused to send me any information stating this is me! 
Months go by and I recheck my credit report on the website XXXX. To make things even better, the company has now charged interest on the XX/XX/2021 account for {$310.00} and now it is {$330.00}! Debt collectors and creditors must follow federal and state laws when adding or charging interest on debts. Section 808 ( 1 ) prohibits debt collectors from collecting any amount unless the amount is expressly authorized by the agreement creating the debt or is permitted by law. 
I have now written all credit bureaus and XXXX has deleted all accounts from this company off of my report and the other XXXX bureaus have closed the account for {$310.00} and waiting to hear on the others. 
It gets better ..... When I go and look up the company on my reports : XXXX has the company address as NORTHWEST, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has XXXX company address as NORTHWEST FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX : Deleted the issue and no longer have the address they used. 
When I look the company up online there are multiple addresses address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have not heard back from the company since XXXX XXXX XXXX. 
Please, Please, Please help me with resolving this issue and remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is one of many reports filed in regards to both our personal properties and my commercial property. Due to state retaliation beginning in 2014 my I have been unable to meet all of my financial obligations. I testified for a client, which led to the state of georgia loosing the case. EVERY HOME and COMMERCIAL PROPERTY own by myself and or my spouse is involved in Mortgage Fraud and also appeared embezzlement which was not facilitated by us. We have other UNKNOWN individuals uploaded under our names in the state system. WE ARE SICK OF THIS XXXX! We have secured both attorneys and media coverage and will take all necessary action to hold ALL PERSONS ACCOUNTABLE REGARDLESS of their positions. We already know this is a set up. Our credit is suffering. The property in question is XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. THIS IS A FEDERAL OFFENSE AND WE WILL ENSURE ALL INVLOVED ARE HELD ACCOUNTABLE. The ground work has been completed. To top it off the modification company we hired to complete our modifications were informed of our findings and they appear to only be concerned regarding their payments and is obviously covering for the mortgage companies. We were denied our modifications for : Paying too much, 1 day late AFTER WE HAVE SIGNED THE MODIFICATION AGREEMENT and also Making ONLY # TRAIL PAYMENTS which were the qualifications, but the modifications was reversed because now their is 4 trail payments due. We have other individuals information on our Credit Bureau. These are NOT EVEN OUR LOANS!! Chase was sold a loan which was never valid as we never signed any contractual agreement. If they are signed out names were forged, as we never received any signed copies. This pertains to our additional personal properties as well. 


Chase Mortgage is the company involved with this property!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX  sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED 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 explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED 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 explanation
Consumer complaint received 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing because the following information on my file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XX/XX/XXXX {$6900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$880.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$1800.00}

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 explanation
Consumer complaint received 2019-05-26
Company: EQUIFAX, INC.
State: TN
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:
Equifax will not remove after many attempts my credit show i own the over XXXX which i dont and it shows duplicate amount, i can prove this the EQUIFAX AND XXXX, MY CREDIT IS RUINED I CAN NOT GET ANY LOANS CARS OR HOUSE, IN A BAD SITUATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my credit file and I sent a letter requesting verification in XX/XX/XXXX. The file was verified through XXXX XXXX in XXXX. This issue is that my XXXX XXXX account was frozen in XXXX in XXXX. I just confused how this was verified when this was account was frozen 90 days prior.

Company response to consumer: Closed with explanation