BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-21
Company: Nelnet, Inc.
State: NY
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:
Nelnet has a auto-payment option that is not favorable to borrowers repaying loans. This auto-payment option, if you have prepaid your loans or if you are paying more than the minimum, distributes your payments to favor paying off lower interest loans instead of higher interest loans that will ultimately cost the borrowers more money in interest. I have aske d NelNet 's customer support multiple times to favor paying off the high interest loan when I have overpaid and when I have prepaid. However, NelNet has never honored my requests. NelNet has instead continued to distribute my auto-payments to favor my lower interest loans, thus forcing me to pay more in interest on my higher interest loans. Anyone with basic math skills could tell you that paying off your higher interest loans first is better for the borrower, so it is really confusing to me why NelNet  continues to favor paying off lower interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, INC.
State: MA
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:
I do not recognize these accounts. I have contacted the creditors but they have failed to provide me with necessary documents that will prove these accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/14 ( one day before my closing ) I finally got closing disclosure from Better Mortgage. I was asked for put 12 months ' of property tax and school tax in my escrow account ( ~ {$5000.00} ). When I challenged them and the cushion should be XXXX months I was told it's industry practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full and is in good standing on my credit report but it has  XXXX  duplicates of the same exact account still remains negative on my credit report showing that I owe when it 's paid in full and it 's effecting me making big biggest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address in which I have never lived at. The address is  XXXX   XXXX   XXXX   XXXX  CA  XXXX . I do n't know who listed that address in my credit report.

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 2019-12-20
Company: Experian Information Solutions Inc.
State: MA
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:
I do not recognize these accounts. I have contacted the creditors but they have failed to provide me with necessary documents that will prove these accounts are mine.

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 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion refused to reinvestigate collections that do n't belong to me. I never received proper documentation from Transunion of documents provided to the bureau to verify that the debt belongs to me. 

Tranunion did not properly notify me of collection accounts being reinstated on my report. 

Debts impacted 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 explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: NJ
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:
These Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a Visa card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - Balance {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a Visa card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - Balance {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.

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 2017-04-17
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have had this pick-a-payment ( sub prime loan ) since   XXXX   .For the past 10 years we have been trying to get out of this loan. We have tried on numerous occasions to refinance as well as motifications we have never had any success as wells fargo always has another escuse why they can not do anything for us. Motification they say i make to much money I have a family of  XXXX   XXXX  in collage  XXXX  still in high school i might make good money but with this mortgage i dont have even enough money to pay a mortgage of  XXXX  a month at 6.95 % We are not a   XXXX   XXXX   XXXX   XXXX   loan .... we are however a hard working family that is trying to save our house from forclousure / shortsale .We are looking for a lower rate mortgage so we could afford to stay after close to 15 years and  XXXX  already paid in interest to this pick a plan loan Thank you in advance and hope we can get some sort of help The  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 explanation
Consumer complaint received 2021-12-14
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a credit card holder with Target for several years with no issues with any payments. Recently I had a reoccurrence of XXXX  and had to stop working and unfortunately had XXXX  on my bank account due to being in XXXX. As soon as I was aware of the issue I called the bank and my credit card companies requesting some assistance due to dealing with covid related issues. The bank and my other 2 credit card companies seen my payment history with no issues for the last several years and waived my returned payment fees. Target on the other hand refused to waive the returned payment fee and offer no Covid assistance per speaking with a Target supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I want to show CFPB how despicable and unethical a lending company can be. I have initially filed a complaint against One Main Financial for a violation of my rights concerning a personal loan I borrowed. When I called the company to complain I was hung up on and told to look up an obscure term they called " the rule of XXXX. '' When I looked up the term, I found it's declared an illegal practice for loan companies to use. Moreover the credit agencies I called never heard of the term. There is also nothing in my paperwork that mentions such a term. This clearly indicates how this company has no scruples and violates the truth in lending laws set up by the government. In the follow up to my complaint, the company sent me a Compromise /Release agreement for me to sign. I thought the company was going to send a simple paragraph to reach an amicable agreement. Instead, I received an agreement that they expected me to sign giving up my rights, in particular that they are guilty of no wrongdoing and a clause that I would not be able to sue. That the company sent such an abhorrent and unethical letter ( which borders on the criminal ), clearly indicates that they are in fact very guilty of wrongdoing and other unethical practices. The letter is a clear violation of not only my consumer rights, but my constitutional rights as well. 
If the burden or proof is on me, I am glad for it, for their agreement is chock-full of violations. I moreover can honestly show that I have paid the principal balance I borrowed ( I have all my documentation ) and the CFPB can clearly see for themselves in their compromise letter the predatory company they are, and their unregenerate business practices, especially against XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It's been over 30 days and no reply from the companies involved.

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 2017-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed items on my credit file with  XXXX  Credit bureau, and as a result of their investigation, it revealed they verified the items disputed to be valid. I requested the information used to validate the debts, and I have yet to receive the requested information and after a second request to resolve the dispute the response I received from the reporting agency was, " they have told me previously they validated the reporting information and will not investigate further nor will they provide me with the documentation they used to validate the 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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
See Attachments I Have FULL FAITH AND CREDIT back by the UNITED STATES OF AMERICA.

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 2021-06-15
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Paypal has never allowed any transactions to process unless i had the available balance in one of my link bank accounts. I attempted to make a purchase with on a thirdparty website that accepted paypal for payment. The third party accepted my payment method of paypal. While processing payment i ended up short on funds so there was not an available balance dor processing. This happened with 12 hours of placing my order. Since paypal had never prior processed a payment with having an available balance to do so. I believed that my order would be canceled which had happened everytime before. I received a package 2 weeks later from the third party company and had no idea how. My bank accounts were not negative {$170.00}. I checked my paypal wondering how i got this package and i discovered they suddenly decided to grant me pay later when i was previously never allowed. All done without my knowledge ans authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a homeownership advisor with XXXX XXXX. On XXXX/XXXX/15 I submitted an RMA to SLS and received fax confirmation. I called today to check its status and was told that it had not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX requested validation of this debt and SYNCB XXXX failed to provide Validation. This violates 15 USC 1592g.

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 2017-04-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted experian and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.    XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX  dealer  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX  loans  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX   XXXX   XXXX  bank  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 explanation
Consumer complaint received 2017-04-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient Corporation, my l oan servicer, has not provided me with accurate information about income-based repayment options. Since I requested this option, almost 4 years ago when I became unemployed due to a lay-off, they have given me inconsistent information. The link they provided me to complete the application for my husband did not work. As such, this process has been delayed, and I have had to place my loans in forbearance. The balance on my loans has increased dramatically, by almost {$10000.00} since eventhough many of my loans are subsidized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Paypal Holdings, Inc
State: MN
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
Dear Sir, I purchased several  XXXX  giftcards and   XXXX   giftcards from  XXXX  on   XXXX   in  XXXX  and  XXXX  and recently I found that the cards carry balances o f Zero ( 0 ). I  have never used the cards myself for any purchases. As I made a google search I found that   XXXX    system was hacked in  XXXX  and my card information was stolen, same as many of the others. I have never gotten any information from ether  XXXX  or paypal about the system hacked. Clearly they tried to hide the information from the customers. I tried to contact   XXXX   but I was ignored. I filed complaints on  XXXX  website but the cases were closed since the purchase dates are more than 180 days. So I need your help to get the money back and let many of the others know about  XXXX  and paypal 's problem.     Here is the purchase information  : 1. {$ 75.00}  XXXX  giftcard, purchased on  X/XX/XXXX ,   XXXX   item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX   XXXX . {$100.00}  XXXX  giftcard, purchased on  X/XX/XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number  XXXX  pin  XXXX . The card has a balance of {$2.00} when I used it.      XXXX   XXXX  of {$100.00}  XXXX  gift cards, purchased on   XXXX  ,  XXXX  item id :  XXXX  transaction id  XXXX  card number  XXXX  pin  XXXX  and  XXXX  pin  XXXX   XXXX . {$150.00}  XXXX  goftcard, purchased on  XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX   XXXX . {$100.00}  XXXX  goftcard, purchased on  X/X/XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX  Thank you very much for your help,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20
Company: EQUIFAX, 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:
EQUIFAX IS REPORTING FALSE INFORMATION ON MY REPORT, I HAVE DONE ALL I CAN TO GET INFORMATION REMOVED. 
ACCT INFO. 
XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I pay my   XXXX   XXXX   Credit card via automatic debits, and also have estatements. I notice my minimum payment continues to rise, yet I rarely use the card. I looked online and see that I am charged approximately  XXXX  per month for " debt prot '' -which I have never authorized. It appears that this has been charged to my account for at least 2 years, which is as far as I can go back online. This is approximately  XXXX  and  could easily be more as I have had this card for many years.

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 2020-06-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute a billing error that was caused by Infinity Financial Services ( IFS ) which resulted in IFS reporting me with one 30 day late payment to the credit reporting services. This has repercussions for my credit score and pending financial transactions. 

I assumed an existing automobile lease from IFS is late XXXX. Subsequent to the lease assumption transaction closing, IFS did not send me a bill for my XXXX payment nor did they notify me in a timely fashion that the payment had not been made. Consequently, a single late payment in XX/XX/XXXX resulted from IFS 's billing error. 

As part of the lease contract assumption in XXXX/XX/XX/XXXX, I provided IFS with my complete email and mailing address. Per the Fair Credit Billing Act, I was to receive an account statement and bill on a monthly basis either electronically or by US Mail. However, IFS did not send a bill to me upon the transfer of the lease obligation. Instead, IFS sent the bill to the PREVIOUS contract holder because IFS failed to update their records in a timely fashion. When IFS did not receive payment in XXXX, they finally reached out to me by phone but not unitl the payment was 30 days overdue. I immediately paid the past due amount and IFS agreed to waive the late fee and not report the 30 day late payment as delinquent to the credit reporting agencies but IFS still reported me as delinquent to the credit reporting agencies despite their agent telling me that they would not do so becasue of their billing error.

Company response to consumer: Closed with explanation