BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted my application to the SAVE plan in early XXXX, I would guess the first week of the month. Unfortunately I can not provide an exact date because the Nelnet website is currently down as I write this, as it has been several times when I have tried to check the status of my student loans and my repayment application. 

When I initially submitted my application to the SAVE plan, there was a note on my account that Nelnet had received my application and that I should provide them 14-21 days to process the application. After a few weeks I noticed that that message disappeared, and now it only displayed the message about when they received my application for the SAVE plan. 

It has been almost a month since I submitted my application with no communication from Nelnet about the status of this application, besides the fact that they received it. Meanwhile, they have been doing a fantastic job of tracking the interest accrued on my loans without providing me information about how much my monthly payment will be, and that is not even beginning to address the fact that half the time I try to log-in to their website it is down. 

Frankly, I am not sure how this is legal and it is unacceptable that Nelnet has known for months now that student loans would be resuming in XXXX with payments due in XXXX. It has been enough work for me to prepare financially for payments to resume, and it seems as if Nelnet has not done the work or prepared to service loans. I believe that they should be held responsible as a LOAN SERVICER for not even managing the minimum responsibility of maintaining a working website.

This has put an incredible amount of stress on me and my wife and has made financial planning difficult. My wife also has loans with Nelnet after being moved from Great Lakes, and she has also been unable to speak with anyone at Nelnet over the phone due to wait times of over 2 hours on the phone. Nelnet needs to be accountable to borrowers for the loans that they are servicing. There is an extreme lack of accountability on their part for not maintaining a working website where borrowers can access their loan information and for not having enough customer representatives on staff so that borrowers are not spending hours of their day waiting on hold to ask simple questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX. I filed a complaint with the Federal Housing Finance Agency. Against XXXX XXXX Home Mortgage and Select Portfolio Servicing , Inc.. Regarding fraudulent mortgage servicing, violating the fair credit reporting act, and other financial crimes. Related to my XXXX XXXX Mortgage and unlawful monthly mortgage payments from XXXX til present. Also around the filing of my complaint to the Federal Housing Finance Agency. I was awaiting a response from Select Portfolio Servicing , Inc.. In regards to my Consumer Financial Protection Bureau complaint. Regarding their wrongful criminal participation as it related to my XXXX XXXX Mortgage from XXXX til present. In XX/XX/XXXX Select Portfolio Servicing, Inc, denied any wrongdoing and refused to make any corrective updates to my three credit reports. Shortly after on XX/XX/XXXX the Federal Housing Finance Agencyacknowledged receipt of my complaint. An Select Portfolio Servicing, Inc had a change of heart and made corrections to my credit history thats reported to all three credit reporting agencies. Now, on or about XX/XX/XXXX. Select Portfolio Servicing , Inc has started to demand payment for a mortgage account they know to be paid full as per XXXX XXXX Mortgage. And that they know is under investigation for mortgage fraud and other financial crimes. Select Portfolio Servicing , Inc also knows that there is not a creditor listed on the fraudulent mortgage account they have been servicing for my property. And they also know they unlawfully decided to raise my fictional monthly mortgage payment after I paid my escrow shortage in full earlier this year. Ive recently contacted the Federal Housing Finance Agency again regarding these new unlawful activities by Select Portfolio Servicing , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Veros Credit, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
First the vehicle was unlawfully repossessed because of the repossessors broke into a garage in order to do their job secondly the vehicle was auctioned at what appears to be about {$2000.00} to cover an {$18000.00} debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you in a state of confusion, as I am writing to express my sheer bewilderment at the ongoing circus that my credit report has become. It has recently come to my attention that in addition to the mind-boggling number of fraudulent accounts already haunting my credit profile, you have managed to conjure up even more of them! Bravo! Your incompetence truly knows no bounds. 
Let us, for a moment, ponder the exquisite absurdity of the situation. It appears that not only can you not remove the existing fraudulent accounts, but you also have a talent for spontaneously generating new ones! It's almost impressive how you manage to compound the errors on my credit report with such consistency. 
Should I attempt to dispute these additional phantom accounts? Should I resign myself to the fact that my credit report is now a work of avant-garde fiction? Or perhaps I should just sit back and applaud your dedication to the art of credit reporting surrealism. 
In the spirit of this confounding situation, I formally request the removal of the following accounts, which I am still trying to wrap my head around : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPT OF EDXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I'm on two interest free programs, one that is 12-months and the other is 18-months. I called and advised I wanted to pay off the 12-month of {$280.00} in full, the representative told me to make the payment and call back to have the money applied to the 12-month plan. 

On XX/XX/XXXX the combined balances on the account were {$1500.00}. I paid {$560.00} that day which would bring my combined balances down to {$1000.00}. I called on XX/XX/XXXX and requested {$280.00} of the {$560.00} payment to be applied to the 12-month plan to pay it off in full. XX/XX/XXXX, I logged on and my balance was now {$1200.00}. The representative did not adjust it correctly and I filed a complaint online which was resolved. The money was readjusted, and my entire account balance was {$1000.00} however, the did not apply the {$280.00} to the 12-month promotional plan, they applied it to the 18-month plan. I called again and submitted a request online, that the funds were applied incorrect and my 12-month plan which still has a balance of {$280.00} should be XXXX and paid in full, and my 18-month plan which now has a balance of {$710.00} should have a balance of {$1000.00}. 

I submitted a request online XX/XX/XXXX and XX/XX/XXXX, requesting the money to be re-applied as I requested on XX/XX/XXXX. To take the {$280.00} from the 18-month plan and to apply it to the 12-month plan to pay it off. The only plan that should be active is the 18-month plan with a balance of {$1000.00}. 

I received the following reply XX/XX/XXXX online : Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX This is absurd, that after a month, no one at Commenity Bank, can not apply money to an account as requested. I paid off the 12-month plan in full, and my 18-month plan should have a balance of {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I'm been working with a credit repair company. XXXX saying to debt is verified. And it not. This debt is over 10 years old. I know when it happen. Portfolio recovery saying it's a new debt which it's not. How long do I have to pay for this. It's past it's time to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: ALLY FINANCIAL INC.
State: TX
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 was leasing a XXXX in 2020. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from Ally Financial of late fees assessed against us for late return of the XXXX. On XX/XX/XXXX, I spoke on the phone with an Ally representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from Ally. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with Ally financial on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from Ally rep to Ally rep and would prefer to avoid suffering through that process again.

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 2023-05-04
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I run a small business in Florida doing water damage restoration. As a result 90 % of our are paid in checks from home owner insurance policies. In the last year I have lost several employees because Bank of America just freezes my account with every deposit. When asked about the answer is always that the issuer of the check has multiple returned checks. The issue I have with that is literally every insurance company in the state of Florida would have this problem since theyve held checks from XXXX XXXX, progressive, citizens, heritage, just to name a few. This is creating a problem because every time I hire people I end up loosing them because of delays with their paychecks. If I was losing them because I didnt have the money is one thing however when the bank is constantly holding up funds creating this problem it gets annoying. Can someone please look into this

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 2023-08-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My disappointment is immeasurable and my day is ruined! Not only did the Credit Bureaus did not comply with the requests of deleting the disputed fraudulent accounts and yet they have also failed to provide documents validating their claims. Let me remind the Credit Reporting Agencies that under the Fair Credit reporting Act section 605b, the Credit Bureaus are required by law to remove any and all fraudulent accounts and information from my Credit file, so please do so. I am submitting this CFPB Complaint in accordance with the Fair Credit reporting Act and demand the immediate deletion of the following fraudulent accounts completely from my Credit File : XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00}. As I have previously demanded, the Credit Bureaus should provide me with documents supporting their claims, and yet they have failed to do so. Their inability to follow such simple conditions shows how negligent the Credit Bureaus are. The disputed accounts should have been removed completely from my Credit File.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX, I paid a mortgage payment for the XXXX payment at a Wells Fargo Bank. Branch # XXXX, Transaction number XXXX XXXX at XXXXXXXX XXXX PST. I have a physical copy of the receipt. 2 checks were made for the payment : 1st check ( Wells Fargo Check # XXXX - amount {$800.00}. 2nd Check ( XXXX XXXX XXXX XXXX # XXXX - amount {$900.00}. Total Amount paid was {$1700.00} which was the amount due. 

Wells Fargo did not apply the amount. I called Wells Fargo on XX/XX/XXXX, XXXX XXXX  PST and spoke to XXXX who opened a work order to track the checks. The order number was XXXX. 

As of XX/XX/XXXX, my loan is still showing as late because Wells Fargo applied two {$800.00} payment which was no accurate. I made 1 transaction with two checks and the 2nd check should be the amount of {$900.00}. 

I called Wells Fargo again today at XX/XX/XXXX at XXXX XXXX  PST and was transferred to XXXX in Escalation. She was unable to track the missing transaction and is asking me to produce evidence of the check. 

I had paid my mortgage on time and due to the mishandling of Wells Fargo, I am now spending hours trying to resolve this to their satisfaction and making me jumping through the hoops to produce evidence. This is not how consumer should be treated.

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 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief