BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Nelnet, Inc.
State: CO
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:
On XX/XX/2023 I made a payment of {$10000.00} that I indicated would apply to the highest-interest loan on my account ( 6.540 %, unsubsidized, XXXX XXXX in their system ). I specifically indicated that I wanted to pay by group, and picked group AI. They did not provide a receipt for my payment at all. 

They instead allocated the payment between several loans, including some of my subsidized, lower-interest loans that I don't want to pay off yet. I attempted to call them on XX/XX/2023 to rectify this issue, but it's not possible to reach them due to their increasing call wait times. Meanwhile, interest will continue to accrue every day this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
About 5 -10 overdraft fees I have no idea about there was even no money in the account and the still pull the money and I had to pay about that money

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 2018-07-25
Company: NATIONS LENDING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received papers via mail XXXX-18 stating I was denied for a house loan {$92000.00} that was filed on XXXX-18. I never filed for a house loan or any other loan for that matter. I notified the company and they are pulling the call That was made and will be contacting me back. 

After filing a complaint with the company and speaking with someone they never contacted me back about the situation, then today XX/XX/XXXX I receive information stating I'm aware and basically realize that I did file the loan. No one still has not contacted me back about this to let me know anything that happened. I was told I would be receiving a call back once the call was pulled in which never happened. I want someone to explain to me what is going and why I am not being called about this? I did not consent to anything nor Have I filled any loans out online.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
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:
I recently received a notification from XXXX XXXX that my personal information was exposed during a data breach taking place earler this year. I also received a notification that a creditor on my credit report ( XXXX XXXX XXXX XXXX had a data breach where my personal information was exposed. I have an inquiry on my credit report that I did not authorize or solict their products. XXXX XX/XX/2023 and XXXX XX/XX/2023. These are unauthorized inquiries and I would like to see documentation from the creditor with my signature authorizing these inquiries. 
I have no current business, past business with XXXX and no current or past business on my credit file with 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 2021-09-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto loan is through Toyota Financial Services. I wanted to pay the loan off early so I called TFS and spoke to a representative. I had increased what I thought was the final payment to equal the loan balance. The interest was zero percent so there were no penalties. I was assured that what I had done was correct. That payment was debited out of my checking account on XX/XX/2018, leaving a loan balance of XXXX. On XX/XX/2018, TFS took another {$500.00} out of my account. I called immediately and was assured the payment would be reversed and the {$500.00} would be returned to my account. After several days, I called again since nothing had been done. Once again, I received the same assurances and was told my account should be credited by Friday, XX/XX/2018. As of this morning, NOTHING had been done. I called again and was told, after a long 'on hold ' that a {$500.00} check would be sent. I told the rep I did not want a check, I want it returned to my account. Since my account is closed, that can't be done, even though two previous reps assured me it's what would be done. I asked the rep what would have happened if I didn't have surplus funds in my checking account, and their mistake would have caused NSF items. I got no answer. I also asked for overnight mail service, but was told that wouldn't be happening. I am totally dissatisfied with every person I spoke with, and with TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened a secured XXXX $ credit card with bank of America I was charged for an unknown item was not contacted about it paid the balance and never used the card again sometime later I checked my credit to see the had a collection for XXXX $ I don't know where this came from I never received a letter or any contact from bank of America.when I disputed it they said it was correct but provided no proof I called to do a pay to delete because they stated it was the only way to remove it being that it was so old. it was only XXXX $ even though i know I didn't owe them anything. after I paid that XXXX $ I waited for them to remove it nothing happened I had been tricked and lied to I've gone to the bank called on the phone and now nothing I would like validation and this account deleted from my credit report thank you

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 2018-04-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XX/XX/2018 I met with a Chase banker, reviewed credit card options and selected a Chase Freedom card with rates offered at 17 %, 22 %, and 26 % depending on credit. I was granted a card but with a 26 % rate and refused/cancelled the card. 

I waited a month or so and this week applied again in person for the Chase Freedom unlimited card to see what would happen. I was given {$26000.00} of credit but still at the higher rates. I cancelled the card while at the bank. 

As someone with a FICO score of XXXX, a 30 year relationship with the issuing bank, etc. I concluded that these are worse than teaser rates in that I wasn't granted a low rate that kicked up but lured into a product based on false rate advertising. If only some minuscule percent of applicants can access a product benefit, then that benefit isn't real and shouldn't be offered. 

As a closing comment, I'm a XXXX XXXX and XXXX as a XXXX to XXXX XXXX XXXX on the XXXX of XXXX XXXX including XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. XXXX is a sponsor of this program and I will need to reach out to our national volunteer office to recommend changes to our materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: HI
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 fXXXX XXXX XXXX XXXX convergent ( XXXX XXXX ) has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy. 
15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished 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 2018-08-21
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2018 it was noticed that there was incorrect and unauthorized information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that one of the information was erroneous. The 3 credit bureaus must validate this particular account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: CITIBANK, N.A.
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:
I was reviewing my credit report today and noticed that I had three hard inquiries on my XXXX credit report in the year of XX/XX/XXXX. These 3 hard inquiries took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all made by CBNA. I only have one secured credit card and was applied for well before these dates. It is hard to believe I had two hard credit checks within two days and one in XXXX without my consent or knowledge. This blemish on my credit report has negatively impacted my credit score and my life.

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 2018-07-25
Company: EQUIFAX, INC.
State: MS
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 contacted Equifax because of the Unauthorized student loans that were showing up on my credit report. Which I sent them proof of identity theft, meaning all identifiers like SSN copy, A utility bill with my current address, a police report with my name address and birthdate on it, and other verifiers. However I received a message saying that they can not properly investigate because it is a third-party issue however I called consumer finance and was told that they could not identify me in their system. Which makes no sense I feel they are deliberately avoiding investigating my complaint and disputes. I am not being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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: Their investigation did not fix an error on your report

Complaint:
There is no contract ; account was settled with original creditor, yet remains on my report ... grave error XXXX XXXX XXXX XXXX XXXX-XX/XX/2017 {$31.00} ( You have NOT provided me a copy of ANY original documentation required under Section 609a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2018-04-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX To Whom It May Concern/ CFPB, I went to a local Chase bank where I had an account. I requested a money order either during XXXX or XXXX. The Chase bank branch manager assisted me with this. He then used cross sale tactics to get me to sign up for the Chase Freedom card.

He said if I link it to my checking account and I didn't have enough funds to finish a transaction, the charge would just go to my credit card. So, I agreed and went home. I never opted in or agreed to enroll in any overdraft program. I feel the tactics used by the branch manager was deceptive and an abusive practice. I relied on his oral disclosures and relied on him to act in my best interest but that was not the case as I was deceived.

I was never told about a {$10.00} fee for overdrafts linked to my credit card and I was certainly never told about being accessed {$34.00} overdraft fees for all other overdraft fees associated with my checking account. I have completed a review of my account and Chase has charged me thousands and thousands of dollars. 

Above, I am requesting to get my money back since we never opted in for these fees. 

I am requesting a formal review of my account along with a copy of the signed overdraft disclosures showing I agreed to opt in and a refund of all overdraft charges. I hope to receive a satisfactory response. 

I was advised to file a formal complaint with federal regulators, but have not gone that route yet. Please assist me with the review at your earliest convenience and feel free to contact me if you have any questions or concerns. All of your assistance is greatly appreciated. 

Contact Information/ Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX ) XXXX personal cell Regards, XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
Company: JPMORGAN CHASE & CO.
State: TX
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 a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " Chase '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I purchased a bed at XXXX XXXX XXXX on XX/XX/2017 using their in-store credit card which is managed by TD Bank. The initial amount was {$2500.00}. As I understood it, there was a 0 % interest rate promotion for 12 months. I paid off {$1600.00} over the next 12 months, leaving a balance of {$900.00} at the end of XX/XX/XXXX. In my XX/XX/XXXX statement I was charged {$480.00} in accrued interest. I was not aware that interest was accruing ; this is the first time I have ever seen anything like this ; every other promotional offer I've seen has a zero ( or low ) interest rate for a period of time and then interest starts to be charged once the promotional period ends. Had I known, I would have paid this off in full over the 12 month period. I find this approach very misleading ; now when I go back and look at the statements, I can see in the small print language about deferred interest but as I paid this card online every month, I never saw it. I think either XXXX XXXX  XXXX or TD Bank are taking advantage of customers with finance approaches like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agency is reporting a bankruptcy that is not mine. I've been told that this inaccurate record was provided by XXXX. XXXX has investigated and advised that they were unable to verify the bankruptcy. There is no bankruptcy listed in my XXXX file, so when is the credit reporting agency reporting inaccurate information.

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 2022-08-07
Company: EQUIFAX, INC.
State: NC
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 have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, we became aware that our credit report reflected a debt owed to ONLINE IN SV in the amount of {$180.00}. We had never heard of this company and had received no communication. 

On XX/XX/XXXX, my husband called to request the information. He was told that the bill had been sent to the house and not returned, and they would not send another copy. He question how he was supposed to settle the debt without the information, and the agent ( XXXX ) offered to take his credit card information over the phone. This, of course, is not advisable since we have nothing in writing. In addition, my husband wanted information in writing because we believe that the medical bill was never properly filed with our insurance company to begin with, and that should be how this debt is settled. 

On XX/XX/XXXX, I verified that this had never been properly filed with our insurance company. I called ONLINE IN SV, questioning this refusal by the company. I was also told that, per company policy, since the information had been sent, that they would not send another copy. I questioned how we were supposed to settle the debt without any information. I was told that this is their company policy. I informed them of my intent to file a complaint with the Federal Trade commission and at this point he offered me a " validation of charges. '' I questioned why this " validation of charges '' was not offered to my husband and he said that my husband had not asked for it. I said I had not asked for it either. He said that it was only because I was so " adamant '' ( his word ) that I was being offered it. Yes, I'm adamant, because there is simply no way for us to settle a debt without information. I again reiterated my intent to file a complaint. I hung up the phone and searched for more information on the company, which took some time because they have a purposefully generic name. I called back and informed an assistant manager that it is my belief that their refusal to furnish the charges puts them OUT OF COMPLIANCE. They claim that they sent one copy, but I never received it, so I do not believe that they did. If they did, why would they refuse to send a copy?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is violation of my privacy

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