BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
The XXXX form for 2015 included capital interest whereas prior year XXXX forms did not. I contacted Nelnet 's customer service several times to try to understand the change in reporting methods with no resolution. I have also requested a current amortization schedule of loan payments remaining on the loan, which has not been responded to. In general I 'd like to see how my payments have been applied to the loan, including several payments made directly to principal so that I can confirm they have actually been applied as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, days after my XXXX birthday, BBVA-USA abruptly and without legitimate reason cancelled my VISA credit card -- a card which I had subscribed to for 17 years. In this time period, I have never once tendered a late payment, the minimum amount required to pay, nor excised the card 's credit limits. On two occasions, BBVA, without my request or agreement, raised the card 's limits to {$8500.00} and subsequently to {$11000.00}. Late last year, BBVA reduced the limits back to {$8500.00} and shortly thereafter, a cancellation of my credit card. I am submitting this complaint to CFBP requesting an investigation into BBVA 's violation of my rights as a consumer alleging that they have determined that I am a credit risk, and a pandemic risk, all as a result of my age. I am attaching hereto my demand letter for the the production of information, documents or any other methods used to make the determination that after 17 years with an impeccable payment history, they chose to remove me from their business. BBVA,  illegally and without my consent, converted my balance into a " loan payable '' at 10 % interest upon the closure of my credit card. I'm also submitting the form letter sent to me identifying their reasons for the cancellation. BBVA, unequivocally, has violated my rights under the Federal Equal Credit Opportunity Act ( FECOA ) that, inter alia, prohibits discrimination based on age.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX 2016, I sent XXXX letters to Midland Credit Management requesting proper debt validation per Texas Finance Code Section 392.202 which requires a debt collection agency to provide the alleged debtor with specific information concerning their debt including but not limited to : Name & Address of original creditor, original date of default, date debt was transferred from original creditor to third party debt collector, original balance, current balance, any fees added by the agency, and Texas surety bond information required by Sec. 392.101. I sent ( XXXX ) separate letters for MCM Account numbers # XXXX, # XXXX, # XXXX. The letters were received and signed for by Midland Credit Management on XXXX XXXX, 2016. On XXXX XXXX, I received XXXX letters for each respective account number from Midland Funding stating that the status of the account would be changed to " disputed '' with the XXXX major credit bureaus but further stated that " After reviewing he information you provided, as well as our account notes, and information provided by the previous creditor, we are unable to determine the nature of your dispute, and consequently deny that our records are inaccurate. We will be closing our investigation of your dispute and resuming regular collection activities as allowed by the Texas XXXX XXXX and/or the Fair Credit Reporting Act. '' I replied sending XXXX separate letters ( one for each account ) clarifying that in no way was I giving Midland permission to mark the account as " disputed '' with the credit bureaus, that I was requesting proper debt validation per the Texas Finance code. As of XXXX XXXX, 2016 I still have not received proper debt validation under the Texas Finance Code for the ( XXXX ) Midland Collections Accounts that I requested. Midland Funding has not validated these alleged debts within the 30 day window that the Texas Finance Code 392.202 ( b ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Other fee

Complaint:
I have an American Express credit card. They tried to charge me interest even though I have automatic payments set up to pay the entire balance each month. Before this, I never paid interest charges and there should be no interest charges. It first started last month and this month the interest charges more than XXXX from last month even though my statement shows that the full balance was paid. Again, there should be no interest charges for either month since I pay off each month 's balance in full since I started using the card for over a year. 
I talked to XXXX of their reps about this, and last month they refunded the charges. She said that there was a problem with their website. That might be true for XXXX month, but as a XXXX for over XXXX years, I can tell you that if the same problem resurfaces the next month, it is not a bug. It is a " feature '', or desired behavior by the company 's executives looking to bolster the bottom line at the expense of their customers. I think you should investigate and prosecute the executives in charge of this. You should publicize the investigation and also fine them large amounts of money in order to discourage such behavior by others. 
They may claim that they are offering refunds to all customers that call them. However, what about the customers that do n't look at their statement very carefully and just pay the specified balance? In that case, they simply pocket the money and the customer is none the wiser ... They are purposefully ripping people off. The company needs to pay a large fine and someone needs to go to prison over this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX has been paid. XXXX ( XXXX ) payments of {$440.00} were paid in XXXX 2015. My current balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2017-04-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Signed contract in XX/XX/XXXX with XXXX attorneys for XXXX for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly XXXX is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2020-01-09
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As I do every month I send my payment via bill pay through my XXXX XXXX XXXX checking account. I received numerous calls from TMS ( The Money Source ) multiply times in a day stating they didn't receive my payment. I checked with XXXX XXXX XXXX they confirmed the payment was sent and delivered on XX/XX/2019. After a week or so, I continued to get calls from TMS stating they didn't receive my payment. We contacted XXXX, they placed a stop payment, issued a refund & we made another payment, TMS reported to our credit report 30 days. This is the second time we had the issue with the TMS. They did the same thing in XXXX. Claimed to not receive the payment & then in XXXX they posted it on XX/XX/XXXX & then said who if we would have received it on the XXXX of XXXX we wouldn't have reported you. I explained to them the XXXX is a Federal Holiday & they should have posted it according to the date received & if they were behind, they should have back dated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: GA
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 XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax ; XXXX  and XXXX should not be reporting each inquiry listed on my credit report as a separate line item. I have attached a copy of the Inquires section of my credit report showing the numerous inquiries for the same item. Specifically on XXXX ; XXXX and XXXX. I have also attached a copy of my Drivers License and Insurance Statement for identification purposes to continue to investigate this complaint. These multiple inquiries were for the same product, an auto loan and these inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This would be the second complaint I have against Chase in a one month period. There have been a total of 3 for the year and we are only in XXXX. 
I was considering signing my children up for an after-school program so I started filling out paperwork. There was miscommunication and they withdrew the registration fee ( XXXX ). I realized they took it and immediately called Chase. I had other things that would be coming out of the account and knew this would cause the account to go into the negative resulting in overdraft fees. The agent I spoke to advised me to call the merchant and have them refund the money. She also told me that once the fees were charged to the account to call and they would be able to reverse them. I told her they have told me I 'm no longer eligible for the courtesy fee reversals and she advised me that this was a different situation. That because of a merchant taking funds without authorization, it was not my fault the account would be negative. I asked her to write a note in the account since in the past I have been told one thing but then told that other person was wrong. That is the main problem I have been having with this bank in the past year. The agent assured me she was notate the account and there would not be an issue. 

Well ... there is an issue now. Chase refuses to refund the XXXX overdraft fees that I was charge because of this situation. They also told me nothing was notated in the account. So Chase gets away with charging me another XXXX over miscommunication with a merchant. The merchant took the funds on XXXX XXXX and refunded them on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Upon beginning classes through the XXXX XXXX XXXX " XXXX '' XXXX, I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX XXXX XXXX ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a XXXX student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account Service, LLC from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, XXXX XXXX XXXX. XXXX XXXX a ) ), XXXX and the XXXX XXXX for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed on my credit report as a separate line item. I have attached a copy of the Inquires section of my credit report showing the numerous inquiries for the same item. Specifically on XXXX ; XXXX and XXXX. I have also attached a copy of my Drivers License and Insurance Statement for identification purposes to continue to investigate this complaint. These multiple inquiries were for the same product, an auto loan and these inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.

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 2015-11-12
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was attending XXXX XXXX XXXX online program starting in XXXX 2009 to pursue an XXXX degree. At the start of my last term I was informed that there was not enough money for me to finish the term and they would n't let me finish unless I took out a private loan for {$2000.00}. The loan statement showed an amount of {$2500.00}. When I first enrolled I told them I was moving to XXXX from the state of XXXX and asked about work opportunities in XXXX in XXXX. They told me it was wide open with plenty of XXXX work in XXXX and within a couple of months of completion of my degree I should be able to find work in the XXXX field. They also told me that I would receive help with job placement upon graduation. The only assistance I received was online job services through my email which I could have found on my own. They also told me that my credits were transferable if I wish to pursue other degrees. They were listed as an accredited college when I started my courses. Since I graduated I have tried to get into XXXX different colleges and they would not accept my credits. I asked why and was informed that XXXX XXXX was not an accredited college. I explained that they were accredited while I attended. They told me it did n't matter. In order to apply for another college I am required to provide a sealed transcript from XXXX. XXXX is now closed and my records are somewhere and I am getting the run around in trying to access them. Due to all the negative publicity in regard to XXXX XXXX and the fact that they closed, my degree is useless which is very frustrating to me because I made the XXXX list and XXXX list several times and graduated with a XXXX GPA. I have now been forced to work for myself. I started a XXXX business and I still can not make enough money to pay on this private loan through XXXX XXXX or my federal student loans. Interest is accruing which is very frustrating to me. My federal loans are over {$30000.00} for an XXXX degree that once again is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Other

Complaint:
I have contacted Them at least 4 times to ask for documents to explain why they did not comply with Federal Law 15-USC 1681 623a7 and UTAH LAW UTAH XXXX. XXXX XXXX SEE ATTACHED.. All I did was ask them to proof, they have ignored all my request. in addition they have been notified that the other credit reporting agencies have corrected this error, yet they have a calloused disregard for following the law. I have attached a letter from XXXX telling me that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase Bank charged me {$68.00} for XXXX overdraft fees because XXXX withdrew money from the bank account minutes prior to the deadline in which a {$34.00} overdraft fee will be applied. Chase has a blackout period and will not notify me via email or app notification of an overdraft if it occurs overnight. Chase refuses to return at least half of the money taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion Again Fails to Understand & Verify the 5 Items of My Dispute!

Does the TU staff ever actually read the letters I send, or do they just blindly crank-out response-letters that have absolutely nothing to do with the items in dispute?

Does the staff have the required training & knowledge to understand and comply with both FCRA 611 ( 5 ) ( A ) ( i ) and FCRA 611 ( 6 ) ( B ) ( iii )?

Or, are they just overloaded, underpaid and really don't give a rip?

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