BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent a payment to pay in full a group loan on XX/XX/XXXX after I got paid. They ( Nelnet ) didn't process it till the next day. The next day ( XX/XX/XXXX ) they charged interest to an already paid off loan group. 

I was on the phone for a total of an 1 hour and 18 minutes. Everyone I spoke to said they couldn't help me and NEVER sent me through to a supervisor. I spoke to 4 different people for each one I asked repeatedly to be sent to a supervisor. They would just put me on hold until someone else that worked with them picked up the phone ( that wasn't a supervisor ). The information that I could get out of all 4 was I made the payment to late in the day on the XX/XX/XXXX. One person said when I send in a payment it needed to paid before XXXX, another said I needed to pay before XXXX. This DOES not help out the working class at all! Most people get paid on the last day of the month and then they go home after work and begin taking care of financial things. There was one common thing all 4 said and that was there was nothing they could do for me. The entire situation is wrong. Someone SHOULD be able to help me with this situation, the workers at Nelnet SHOULD have transferred me to a supervisor, and this entire situation of charging a person interest after they paid off a loan is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: CL Holdings LLC
State: AL
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 company has falsely reported this on my credit file for a year-and-a-half to two years now and I never had such account with this place claimin I owe a debt please ask for any signed documents that where signed or veribly agreed by me any form or fashion and I will pay this debt in full please verify my signature to this false debt that I never had any knowledge of or utilized any benefits or service from the company that claims I owe this debt thank u for any assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up 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 items 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 alleged fraud or extortion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$43.00} ; XXXX XXXX XXXXXXXX  Balance : {$120.00} ; XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2018-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a victim of identity theft through my workplace " XXXX '' account and since then have had numerous unauthorized charges on my accounts. In XX/XX/XXXX I failed to complete the affidavit Bank of America sent me. As soon as I learned that I didn't complete it I contacted them and ask to have another sent. On XX/XX/XXXX I had the teller put a freeze on the account and asked that the form be sent again, on XX/XX/XXXXBank of America reversed the temp credit of {$150.00}. Additionally they charge me {$140.00} in fees and have since left this account open that was to be closed and continue charging me {$25.00} per month. 

I have contacted the bank at least 20 times, been in the branch 5 times and  now they took {$340.00} from my good account to cover the fraudulent charges. 

They never call me back ; they tell me the last person I spoke with was wrong and here I sit owed {$160.00} plus {$340.00}. 

I now can't pay for my rental car, and am without transportation which is affecting my job. 

Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 co sign for my daughter at XXXX XXXX and notice 6 to 7 inquiries on my credit report from different lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management XXXX. XXXX XXXX XXXX XXXX, California XXXX NMLS ID : XXXX They are reporting false information on my credit report, i never had third debt or did business ever in my life. When I called to find out more information about this debt o was told a third party ( true accord ) ( XXXX ) XXXX XXXX has the debt whom i never did business with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been back and forth since XXXX with your reps in reference to our mortgage payoff and escrow reimbursement. We had requested a Forbearance due to Covid-19 during this time we decided to payoff the mortgage and requested a payoff and forbearance until the checks could be cut to payoff the mortgage. On XX/XX/XXXX called and confirmed the payoff as {$99000.00} we had XXXX   XXXX  cut checks for {$75000.00}, {$15000.00}, {$4000.00} and XXXX totaling {$99000.00} plus the {$160.00} escrow. Since we owed nothing but mortgage and had included the extra funds due to a bank error. Our refund should have been closer to {$1000.00}. On XX/XX/XXXX we found that my account which had the last check had been locked for fraud. So they forced us to pay {$5400.00} claiming that was what we owed. It turns out they received our payments on XX/XX/XXXX via XXXX XXXX  and never applied the payment to anything but what was holding for forbearance.I am not sure how they continue to get away with such creative accounting but it is fraud all day long. The last complaint we filed a rep called us from Wells Fargo and yelled at me in front of my husband because that was out 3rd complaint. I have health issues and can not take them calling and yelling at me again. They DO NOT LOOK AT THE ACCOUNTING they recently foreclosed on us and wiped us out financially to keep our home.I have excel sheets that prove what we should have paid and what we have been charged. They will not fix the situation and continued until the last payment to rip us off. Something needs to be done.They claim is banking practices but I spoke with XXXX XXXX  and what we have been told these are not proper practices the lying about contacting us alone is illegal. The list of what has happened since they took over our mortgage no one should have to go through!

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 2022-11-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a legal aid attorney submitting this on behalf of my client XXXX XXXX, who has a mortgage serviced by Citizens One Home Loans. 

Borrower : XXXX XXXX Servicer : Citizens One Home Loans Subject Property : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Loan # : XXXX My client applied for and received {$21000.00} in Homeowners Assistance Funds to reinstate her mortgage ( see benefits award letter attached ). That money was wired to Citizens, according to the eligibility analyst at Louisiana 's Homeowner 's Assistance Fund, but Citizens has not applied the funds to my client 's account, nor have they provided any explanation as to why they haven't applied the funds to my client 's account. 

We have repeatedly contacted my client 's single point of contact at Citizens, but have received no response since XX/XX/2022. 

I sent a qualified written request and notice of error to Citizens regarding this issue on XX/XX/2022 ( attached ). I have not received an acknowledgement or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute XXXX hard inquires that were not mine on my credit report. I have contacted the financial institutions that have pulled my credit and they investigated the issue. They sent the results of their investigation to the credit reporting to remove the hard inquires. XXXX XXXX and XX/XX/XXXXhave removed them but Equifax has not. I sent a request along documents that prove the inquires were a result of fraud. Equifax has not removed them and I have been told they are unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX  out source XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose THIS IS DIRECTED TO XXXX EXPERIAN 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 non-monetary relief
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE ACCONTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFTI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: NV
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 received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. Experian and XXXX  updated my personal information based on the proof I sent. However, XXXX  didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.

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 2023-07-23
Company: Professional Debt Mediation, Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company that I supposedly owe a balance to that is on my credit report through the phone & asked them to mail all of my documents to me to validate my debt on XX/XX/26. The company that appears in my credit report to have purchased my debt is XXXX XXXX XXXX XXXX XXXX located in XXXX, FL. I still have not received any paperwork regarding this debt that I supposedly owe and I know that under Fair Debt Collection Practices Act of a debt collector can not verify a debt it may not collect the debt or otherwise contact the debtor about the debt. I also am aware that if the account contains no documentation the collection agency also may not report the debt to the credit reporting agencies. I've had this account on my credit report for the past XXXX years now, with no proof that I owe it. I am submitting this complaint to request the removal of this debt from my credit report as this debt has not been validated. I also never received a written notice from this agency that I owe this debt. I've only seen it appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For whom this concern, I have been really pissed the XXXX off to learn about my rights as a consumer has been violated. I have learned if there are things missing from my periodic statement such as my finance charge etc, and not delivered to me 21 days before the payment due date pursuant to Fair Credit Reporting Act 15 USC 1637 ( b ) on open-ended consumer plans aka my credit cards, there should be no late payment reported on my account however I have several of these accounts which falsely put negative late payment information on my account. I am pretty sure this is a violation of 15 USC 1666b ( a ). I mean it's right there in the law on the Cornell site. It's public information. Also, I have never opted into this reporting pursuant to Gramm Leach Bliley Act 15 USC 6802 ( b ) ( 1 ) ( A ) and this is an invasion of my privacy according to FCRA 15 USC 1681 ( a ) ( 4 ). This has stopped a lot of funding for me as I am a real estate investor and the fact I learned I have been ripped the hell off has been unbelievable. Can someone PLEASE correct this! I included my scanned dispute letters which I notarized as well in case I have to take legal action. I sent to the bureaus already. I still haven't received a response. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: JPMORGAN CHASE & CO.
State: MI
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 number of hard inquires from chase bank on my XXXX   credit report. i dont have a chase account and i have not applied for a bank or credit card with them. the dates of the inquires are XX/XX/XXXX.this is my first step in resolving this issue and any help would be great. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX/XXXX XXXX {$660.00} US DEP ED XXXX {$1600.00} US DEP ED XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$360.00} USDOE/XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4000.00}

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 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I previously held a capital one 360 checking account, that was closed for overdrAft of $ XXXX. Unbeknownst to me, I had my PPP funding loan deposited into the account despite the account being closed. Now capital one has the funds on hold and hasnt returned them to the lender so that they may be redistributed. I havent gotten no answer or response from capital one to date about returning the funds to the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 received my credit report in XX/XX/XXXX and submitted disputes to correct my personal information to all three credit bureaus. XXXX  and Transunion updated my personal information based on the proof I sent. However, XXXX  didn't update the information at all in XX/XX/XXXX, and again in XX/XX/XXXX. I sent separate dispute letters to each credit bureau in XX/XX/XXXX. They all responded back to me however it was in XXXX XXXX that I got the findings of their investigation. Later in XXXX after reaching out to the creditor XXXX XXXX for violation of Nevada state law with notices they were supposed to provide for what they were supposed to provide me for a repossession reported to the credit bureaus, they didn't respond. I then sent notarized letters to all three credit bureaus on XX/XX/XXXX asking them to provide proof of who they spoke to with the items I disputed and how they were able to verify the accounts they say were 'verified ' and I have not received a response from any of the credit bureaus as of XX/XX/XXXX on the method of verification since I was not able to recieve anything from the creditors directly. I've attached all of the letters I sent that are dated accordingly and also the proof of items I was disputing.

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