BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Beginning XX/XX/2020, I have sent several letters to Experian in regards to erroneous and fraudulent items on my credit report, I also requested and updated report with each letter, every time I waited more than 45 days for a response from them and I never received a response from any of the letters I have sent. I am including a copy of the letters along with the return receipt showing they received each letter. 

I realize they get hundreds of letters and Covid has also impacted everyone, but I had fraud in my personal bank account, my XXXX  account to name a few then, I find out I have all of these fraudulent accounts on my credit report too and when I tried to get it investigated properly and fixed through Experian they totally ignored them. I have continuously tried to get these investigated properly by Experian to no avail.

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 2015-10-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was currently on a payment plan and it stopped. I have asked to renew it via e-mail and tried calling the call center, but no one is answering. I have a video when I tried to call during there specified times, but no answer. E-Mail 's going back and forth to call the call center but still no answer from the call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have used the cash app by Square for 4 years to send and receive payments from my roommate. Out of the blue the past couple of months every single payment that I send to my roommate I am given the message that it could not be completed for my protection. My roommate can turn around and send me a payment and it will auto accept and deposit into my account.

Everytime I ask Square through their support I am told that it is for my protection and the money will be returned to my account after 3 days and to use another service to finish the transaction. They don't say why or how its for my protection it just is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company used my social to look at my credit report. I did not give them permission, nor did I ever inquire with their services. I believe they are doing fraud.

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 2017-02-08
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan is serviced by Nelnet. ( Account # XXXX ). 
For my loan repayment, Nelnet is abusing the ACH transfer by not crediting my loan timely. On an average it takes 4 to 5 days to credit my loan. My funds are debited from my source account the same day when I initiated my ACH transfer. But my loan balance were not reduced till 4 to 5 days. While I was paying interest for the loan balance, Nelnet was enjoying the float fund for 4 to 5 days. This is not fair practice to the consumer. 

Also the interest rate on the loan is 5.96 %. I am using my HELOC loan to pay off Nelnet Student loan because the HELOC interest rate is 3.25 % which is less than Nelnet Student Loan. This delay tactics by Nelnet makes me to pay double interest for 4 to 5 days. 

I would appreciate your help to intervene in this matter. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I sent letters amount an account that is reporting on my credit report. I sent a letter to US Dept of Education,  to all the addresses they have on my report which is 5 different addresses, requesting a copy of my payment and account history : 1 ). What is the Account Balance? 
2 ). Date Payment was received? 
3 ). Scheduled Payment Amount? 
4 ). Actual Amount Paid? 

I received no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: GOLDMAN SACHS BANK USA
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:
never applied for any credit cards as i have been working to improve my credit score in the last months. I regularly check my credit report and noticed one day on XX/XX/2021 I had my credit pulled for a inquiry I have never made. I have tried calling Goldman Sachs and XXXX  and nobody has been able to even locate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust seems to PURPOSELY not answering their mortgage line for customers seeking help/payment arrangements due to COVID-19.

I have called 4 days to wait on the line for over 4+ HOURS!!! For no one to answer or respond. And TWICE the line just disconnected on it's own. This seems undoubtedly intentional. I have several screenshots to show the ridiculous hold times. NO ONE should have to wait this long for ANY service, much less, to NEVER get an answer.

Please look into them allowing this on purpose to prevent costumers from getting relief services. 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 non-monetary relief
Consumer complaint received 2015-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
Registered for a credit card with a pre approved letter. The card was mailed to my old address and took time for it to be forwarded to my new address. I inquired about a balance transfer and over the phone they told me there is a 0 % fee. I just looked at my statement and there was a {$100.00} fee. When I called them they claimed that the first XXXX days there is a 0 % balance transfer fee and not for the first year as they informed me over the phone. I feel like I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX a credit card was opened using my social security number to Target department store. The store called me and I told them not to approve the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: DE
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 from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX. These companies has fraudulant accounts on my profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a payoff from my mortgage lender ( Chase ), after XXXX days they provided the payoff but it indicated the per diem interest date of XX/XX/2015. The XX/XX/2015 payment was made on XX/XX/2015. In an attempt to refinance the loan and because of this the new lender requested a payment history because the XX/XX/2015 implies that the XX/XX/2015 payment had not been made. When I contacted chase they affirmed the XX/XX/2015 payment was made but that the XX/XX/2015 date was correct. A search of the internet indicates the industry standard is that the lender uses your requested payoff date to calculate per diem interest you woe in the time period from your latest monthly payment until the payoff date. In addition, I requested a XXXX month history of payments on XX/XX/2015. I was told that I must have not made a full payment because there was a suspense balance that was not a full payment. I disputed this and advised all payments were made and any suspense funds were payments made by the trustee in my XXXX. I was told that if I paid XXXX they would process the payment that day, and the next day move the suspense balance over to a full payment and send me a new payoff statement indicating an interest due date of XX/XX/2015. The following day I was called by CHase and told they are working on it but because of my complaint to CFPB they would not be able to provide a response as previously stated. They advised they would contact me on the XXXX for a status update. On XX/XX/2015, I received a payoff statement with the same XX/XX/2015 date and have not received the XXXX month history as requested. Because of this I am unable to refinance my loan ( VA streamline ) to a lower interest rate and save over XXXX per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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:
I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The apartment complex The XXXX XXXX  XXXX XXXX  XXXX  continues to state that there is a previous debt. The debt has been disputed by myself with the collection agency. The apartment complex resubmitted the collection and has appeared on my most recent credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had multiple types of loans upon graduation in XX/XX/1996. The loans were originally consolidated with XXXX XXXX into XXXX larger loan instead of a bunch of smaller loans. During a few years, there were deferments when I was out of work, etc, but once everything switched to navient, I cant check on my statements, etc. I did get in touch with them once about not being able to manage a XXXX a month student loan. They looked into it, and wa la! My payments went UP to XXXX a month. It 's killing us to make this payment every month, but navient is NOT willing to help in any way to figure out a better alternative, except for forbearance, which as we all know greatly increases the amount of money you owe. They are impossible to get in tougch with, and when you do, they are unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank, is currently holding roughly {$2500.00} from me for about 1 year now. They told me they were holding my money because XXXX checks I deposited did not match. These checks were written and signed by my mother. My mom is willing to do whatever it takes to have this resolved as they are holding {$2500.00} from me which I could be using for college tuition. Wells Fargo then closed all my accounts with them. My dad was a joint owner on the account as to I was only XXXX at opening. Both mine and his name are black listed at this bank. 
The checks were cashed by Wells Fargo, and they were cleared by the bank they were written from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and could not help me getting it back and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get any help from them. I just remembered I could file a report here as I feel they are not doing their job appropriately as it has really affected me a great deal especially during these hard times as I have been using PayPal frequently. I'm really suffering as I can't even withdraw funds from my account. My email linked to PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A man left a voice recording on my sisters phone for me to contact them over an urgent matter. It was strange to me that anyone would even contact her as I do n't give her information out for any reason. After work I called them and a woman claiming to work for ARA ( Asset Recovery Associates ), tells me this was over a debt of {$490.00} for a payday loan she says I took out in XXXX? ( I do n't recall the exact year ). When I tell her I had no idea what she was talking about she said this matter has to be resolved within the next few hours or she would have to submit paperwork charging me with fraud. That terrified me as I have never been in trouble with the law so I again tell her I did n't know what she was talking about and she begins reciting my social to me, then my birthdate, then an address I have n't lived at in a little under 18 years. She tells me that I knowingly walked in to a business and gave fraudulent information in order to get this loan. I again told her I do n't know what she 's talking about then she says I have a voided check from a XXXX XXXX account, that 's where she lost me because I 've never had an account at XXXX. I explained to her that a few years ago I had my checkbook stolen by a family member but that had been cleared up but she did n't care. I was threatened with charges being filed and being arrested. I was so scared that I just decided to make arrangements with this woman. Right after, I called my ex husband and told him what happened and immediately he told me to cancel my bank cards that this was a scam. Apparently the same thing had just happened to his mother in the same week. So, I did just that and then did my own research and found the name of a lawyer that has dealt with them before. They gave me the same advice. They told me to cancel my cards, report them to the XXXX and on this website, and some other instructions. Apparently this company is notorious for this type of thing. I do n't want anything but to be left alone. These type of people make me sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: GA
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 XXXX is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt.

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with zero success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.

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 2020-04-01
Company: LoanCare, 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: Account status incorrect

Complaint:
XX/XX/XXXX To : Consumer Finance Fr : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX Re : Complaint : CO : Corporate Headquarters. LoanCare LLC, XXXX XXXX XXXX. XXXX  XXXX, VA XXXX ( XXXX ) XXXX In XX/XX/XXXX I was billed twice for my XX/XX/XXXX mortgage payment. Spoke to numerous customer service repressive since XX/XX/XXXX whom all promised to resolve the matter. Request were made and submission of prove payment submitted, via canceled checks for last several month attached, still no action has been made to rectify this matter. After several months working with multiple representatives in XX/XX/XXXX the LoanCare reported my name to major credit bureaus for late payment destroying my credit report. Since transfer of mortgage I have been attempting to rectify the amount my monthly payment from {$1700.00} to approximately {$1400.00}, according to the stipulation mortgage prior to the transfer of my mortgage which should be monthly my payment.

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 2015-09-26
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am co-buyer on a vehicle for my niece which does n't communicate with me anymore. I feel threaten by Ford Credit to jeopardized my credit due to my niece not paying. I have spoken to several different service reps at ford credit. I asked if they could contact my niece to find out if shes going to pay. I also asked if they could locate vehicle because I believe she has no intentions of paying.If I have to pay than I need vehicle in my possession. How do I handle this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate. 

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.

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 2015-12-23
Company: JPMORGAN CHASE & CO.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid my loan in full on XXXX XXXX, 2015 and never received a lien release letter nor did the State of New York Motor Vehicle Departmen receive this informationt. I have requested a lien release letter and my title from Chase Bank numerous times both which the representatives and senior representatives have not been able to provide. I have been told that they have mailed a letter and yet to date I have no such letter. I contacted NY DMV and they informed me that they do not have my title and that the bank has this information and should have provided it to me when the vehicle was first bought. I will have to pay again for a duplicate title once the a lien release letter can be provided by Chase Bank. I have a copy of my cancelled check and loan statement identifying that the loan has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate.

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.

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