BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Nelnet, Inc.
State: AZ
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 is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : Nelnet Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan XXXX  XXXX - never had a charge off account XXXX  XXXX  - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies but not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have requested a copy of the contract from this company on XXXX XXXX I 've also called over 43 different times trying to reach out to the company and still get no understanding from them. Their not trying nor will they help me. I still have n't received a copy of the contract and they refuse to pick up the XXXX XXXX XXXX. I 've requested them to pick up this vehicle in XXXX, XXXX, XXXX and XXXX XXXX and they refuse to do so but continue to report it on my credit report. They told me over 15 different time that they mail the contact off and they come back and say we just mailed it. I co-signed for my daughter who has the vehicle and there 's nothing I can do without a copy of the contract. I 've asked them to pick this vehicle up and they want but continue to report that 's no payment is being made to my credit report but want help me in getting this vehicle back to them. They talk so nasty to me when I try to reach out to them for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: Account status incorrect

Complaint:
I paid off and closed my XXXX  XXXX credit card on XX/XX/2020 due to fraudulent fees being added to the account despite on time payments. My credit score then dropped by over 75 points. I am now unable to apply for other personal and business credit cards due to this extreme reduction of credit points despite the account closing on good terms. I am in dire need of credit score improvement to buy a house due to how dangerous my current neighborhood is and time is running out. 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 explanation
Consumer complaint received 2022-02-28
Company: Capital For Change, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a loan with this company for a furnace unit. I've paid on time for my monthly installment for the past 5 years. There was one month when the company changed from XXXX to Capital for Change or XXXX.In XX/XX/2022 I went to make my final payment on this loan, only to find out you can not pay on line and must call to speak with someone who will send you a payoff request document. This document must be filled out and returned which I did. Once I recieved my payoff notice hood until mid XXXX, I found a late fee for for the time the company had changed names and website. I asked that this fee be removed as it was their website issue and so I could payoff the loan. I was told that I had to speak with customer service on a {$20.00} fee. I have had a string of emails and phone calls without resolution. The customer service stated they would waive 1 fee and I said there was only one, I was then told there is now another fee because I did not make payment ontime. I explained to the customer servie representative I'd like to speak with their supervisor, that it was ridiculous that they are attempting to charge me another fee and unwilling to waive it when it was their system that had the error and then when I looked for resolution they took over a week to respond, only to state there was another fee. 
Now I have recieved a letter threatening collections and the problem has not been resolved. I have had calls between myself and my wife to this company over the past week and their supervisor has not responded to the situation, and the employees just pick up and are either extremely rude stating you have to wait for a supervisor or hang up the call. All this aggrevation and poor customer service over a {$20.00} fee if resolved I would have paid off the loan immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: EQUIFAX, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
A tax lien was incorrectly placed upon me. I have disputed this many times with all three creditors and all have removed the lien with the exception of Equifax. I proved to the state of Ohio that I did not in fact owe the state any tax money. This has been on my credit report since 2012. The reference number for this lien is XXXX and was reported on XXXX XXXX, 2012. <P/>It has now been five years and this has been detrimental to my credit score. I did not owe any money to the state and I have proved to them that I did n't which is why it was released and I am respectfully asking for it to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke with Experian on XX/XX/XXXX as well as XX/XX/XXXX. I noticed my credit report reflected two inquiries from XXXX XXXX (XX/XX/XXXX andXX/XX/XXXX ), as well as an inquiry for XXXX XXXX  onXX/XX/XXXX. All three of these I did not authorize. I explained to XXXX that the instructions on the site said to call them to dispute the inquiries. He said that he can only do that in " special circumstances '' and refused to transfer me to a US Handling Rep. I asked him why the instructions on the website are to call the number that lead me to his desk, and he refused to answer.

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 2021-09-22
Company: EQUIFAX, INC.
State: AZ
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:
Equifax is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform Equifax of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that Equifax didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported.

I also advised Equifax that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account XXXX XXXX XXXX - not my account ; was victim fraud - have provided info FTC report/ police report to Equifax XXXX account removed by other agencies by not Equifax XXXX never authorized permission to report Ohio Dept of Human services ( 2 ) - not late on account - payment history incorrect - never authorized permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, On XX/XX/2019 my daughter XXXX XXXX account was compromised and fraudulent checks where deposited in XXXX XXXX, CA and then some one withdrew the money in XXXX XXXX, CA but XXXX XXXX was in XXXX, CA. A claim was filed with chase but chase denied the claim saying the theft was my daughters fault and then proceeded to take {$1800.00} dollars from 4 different accounts belonging to myself, XXXX XXXX, and XXXX XXXX to bring XXXX XXXX account to XXXX and left 3 accounts in a negative balance. These accounts then in turn where hit with numerous overdraft fees. We tried a second time to file a claim again do to my daughters card being stolen but again chase has denied the clam. These where clearly bogus checks and they even misspelled my daughters name on the withdraw slip but chase sill let the money be withdraws and wont return our funds. We have a police report filed and still chase is not helping us in this fraud matter. Chase has done nothing to assist and has ran us around for 2 months and does not return our call on the matter.

All account are under the Parent account XXXX XXXX and I have access to all account mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, I called Chase Mortgage requesting they prepay my XXXX real estate taxes in XXXX County. After being put on hold for 2 hours, I was finally connected with a representative. She was able to access our tax bill and confirm that it could in fact be prepaid by the end of the year. We had a lengthy discussion, at least 20 minutes regarding the process. She indicated that the XXXX was the last day to request payment through escrow and while they require 7 days to ensure that the payment is processed, they would do everything to expedite it. They were unable to provide any kind of confirmation of payment, which seemed penalizing to the consumer. I also requested a call back from a manager just to confirm the process ( I never received a call back ). My husband called Chase today, XXXX to see if the payment was made. If it was not, we were going to float the over {$5000.00} payment even though we had sufficient funds on hand with Chase. According to the representative, the notes in the file indicate I had requested specifically that they not prepay our real estate taxes and thus it was too late to do anything. I am utterly furious- someone at Chase clearly lied and now we are scrambling to make a payment by the end of the day. How can a major bank so clearly misrepresent their customers. There is a recording of this call and I want access to it. I feel I should be liable for the interest/ float from this time until I am reimbursed. They are in fact holding my money. And for time spent on the day after XXXX that I could have spent with my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29
Company: Collins & Hilton Asset Group, LLC
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:
This debt/collection appeared on my credit, it does not belong to me. This is put falsely on my credit report. It states it was opened in XXXX of 2017. I have zero documentation reflecting this account nor was this account authorized on my behalf. This account has appeared on my credit report and is reflecting negatively in collection under an individual type and again does not belong to me. It is my right to get incorrect and false information to be Removed. I have received zero documentation regarding the matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Medical bills are being reported incorrectly on my credit reports. The two accounts are not mine and must be removed.

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 2019-02-07
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:
VALIDATION of debt letters were sent out in XXXX, XXXX and XXXX and no validation was received be to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Navient Solutions, LLC.
State: VA
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:
The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Green & Sons Agency, Inc.
State: UT
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:
XXXX XXXX XXXX has failed to properly mail me my rights to disputes a debt I dont know about. They have went ahead and added a debt without authorization to the credit bureaus. I am undergoing a police report due to identity theft and fraud and havent been receiving mail at my mailing address. The USPS is investigating the matter as mail is coming up missing frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was victim to a crypto scam where an individual which I later found out hacked my friends XXXX to lure me into investing with Bitcoin when they kept asking me for more money to get my payout and started asking me for my email and XXXX login information to verify I immediately flagged it as a scam. Every time I sent money they request more or had another reason that I need to send money to recieve a {$250000.00} payout. I called my bank capital one to report it and they began investigating on XX/XX/XXXX I also contacted XXXX where the transactions occurred and they said even tho it was sent to a bogus acct the funds transferred successfully and there was nothing they could do. The bank asked me to provide profs I hadnt received the money back along with transcripts between me and the scammer as well as me and the website it occurred. Upon providing this information they still denied my claim. {$4900.00} dollars is the total amount I am pursuing and reflects all of my savings. Most recently on XX/XX/XXXX said individual reached out to me again via XXXX stating they would send the money today but I will have to send them an additional {$300.00}. I contact capital one again to add this information to my claim but they still have denied it and refuse to reopen the case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Blank of America is holding my funds hostage im told by XXXX  that theres no reason for Bank of America to have closed my account iv already spoken to my sponsor and they are telling me that although the account is closed o should be able to go into a bank to withdraw my funds I need my money and my account fux now this is crazy everytime o cappp they are telling me to speak with my sponsor I did already and I think this bank is trying to steal my funds this account needs to be reopened so I can withdraw my balance please this is isick and its not because of me Im told its because Michigan changed providers so why cant the account be reopen XXXX said that even if they approve they no longer have communication with the bank they told me the bank needs to release the funds to me Im confused and they are to I need my account opened now I have not 1 $ to my name 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 2018-01-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX, {$72.00}, XXXX XXXX XXXX XXXX company I called XXXX 'S XXXX XXXX a month ago and told a teller that my XXXX XXXX membership was expired XX/XX/XXXX and I didn't want it and cancel it and didn't send me membership charges and fees. However, the company continue to send me the bill with late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an unpaid water bill from the city of XXXX, Ca., that I was unable to pay d/t losing my job. It went into collections at Credit Bureau Associates. Finally, in XXXX of this year, I was able to pay the XXXX owed. The check XXXX drawn on my account at XXXX XXXX XXXX XXXX was then deposited in the XXXX XXXX XXXX by the XXXX XXXX XXXX., XXXX ACCOUNT #XXXX (no date stamp). The next activity on the check is XXXX XXXX XXXX >XXXX< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  After numerous phone calls and emails XXXX XXXX, continues to deny ever getting said check and depositing it. In as such the debt has never been expunged from my credit score and XXXX has investigated 3 times every time to say it has not been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: NVR INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I signed a Loan Estimate with NVR Mortgage Finance for a 15 year mortgage at 2.5 %. On XX/XX/2020 I was sent paperwork to lock in at 2.65 % with no discussion on the large interest rate change. I questioned the increase and was told that the original Loan Estimate was not correct and NVR Mortgage said it was their secondary that made the mistake. I requested that this be escalated as I didnt think I should pay for an error made by NVR Mortgage or their secondary. NVR Mortgage refused and said I would have to pay 0.625 % points ( {$1800.00} ) to get the rate to the percentage they erroneously quoted me. In the interim, NVR Settlement sent me notification that I could not change my mortgage provider. I had no choice but to either pay the higher percentage or pay the points for the lower percentage. NVR Homes had given me an incentive of {$18000.00} to use their mortgage arm. So if I walked away I would risk not meeting my closing date of XX/XX/XXXX and I would no longer get the {$18000.00} incentive. NVR Mortgage actually eluded that the {$18000.00} would defray the {$1800.00} mistake and I would still be left with {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
1. Santander Consumer USA XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX did not reported to the Credit Bureaus that the car I co-signed a loan for was returned after the last payment on XX/XX/2018. Santander also sent a fraudulent letter to my advocates email in which all my private information was included. Today when she called, they refused to speak with her even though she has POA on me and after they already violated the privacy rules under the Fair Debt Collection Practices Act. 
All I need is that they remove me from the credit bureaus. 
Thank you

Company response to consumer: Closed with explanation