BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-23
Company: Nelnet, Inc.
State: MI
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:
I have arranged to add an additional amount to my monthly auto debit payments on my student loans. I 'm told that because my groups have different due dates, Nelnet will not make a payment on a loan group that is paid ahead, so interest grows and grows despite the fact that I 'm paying over {$100.00} per month above my minimum payments. 

This month, Nelnet took roughly {$150.00} above my minimum monthly payment ( as I set up ) and did not even cover outstanding interest on XXXX of my loan groups, paying only about {$8.00} for the month, and leaving over {$30.00} of unpaid interest. This loan accrues about {$8.00} in interest every week, which would lead to me paying about an extra {$70.00} in interest by the time they take another full payment, despite arranging for about {$300.00} in extra auto payments above minimum in that time frame. 

If I did n't feel like I had to check this account weekly to see how they decide to split my " automatic '' payment I 'd never notice that they 're letting some loans accrue interest ( higher interest loans ) while making additional payments on lower interest groups. It will not take long at all for this practice to result in my paying significantly more in interest than I save with the 0.25 % reduction. Why is it made so difficult for me to stay on top of my loans? No other loan servicer I 've ever had ( auto, mortgage, etc ) has gone out of their way to make it difficult for me to make my payments. Why is it that I have to log in to this site every time I want to take any semblance of control over my student loans? I ca n't even set up more than XXXX extra payment at a time, so if I want to pay an extra amount on a different group each month, that 's XXXX logins. 

I would guess I spend about 6 hours a month managing the " auto-debit '' on my loan to make sure Nelnet is n't taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank appear to be posting pending transactions in the account of customers in a sequence that will incur a late fee for the bank. Maliciously sequencing the pending transactions. It might be a bank practice to increase bank profit. More customers might be suffering the same malicious practice. Within a few hours from the pay check being posted at Chase, the account became negative and the {$34.00} late fee was posted. It has happened in the past, time and sequencing of posting the fees started to intrigue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 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 2021-12-10
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone charged {$800.00} on my paypal account without my permission. Their shipping address was listed as XXXX XXXX XXXX, XXXX NY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX 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 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR XXXX YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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 have disputed with the Equifax at the beginning of the month but they failed to attach a police report when disputing the fraudulent XXXX  XXXX XXXX ending in XXXX. The investigation took 3 days and to be honest that's not an investigation and they didn't verify everything in 3 days.I have never signed up for this account My rights have been violated and I am trying not to file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Atlantic Credit & Finance, Inc.
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Dear Consumer Financial Protection, I went to a XXXX office in XXXX ... my XXXX. The XXXX office applied for a loan out of XXXX XXXX ... for {$1000.00}, to XXXX and make XXXX. I agreed in good faith to the loan ... I had no other way of repairing my XXXX. I am living with a fixed income and I did not have insurance. 

I had my XXXX. During the XXXX, I thought they were going to make me have a XXXX XXXX ... I was upside down in the chair as the XXXX 

XXXX. XXXX. XXXX. 

I contacted XXXX and explained why I could not pay ... XXXX. 

XXXX 

The collection agency is bringing me to court on XXXX/XXXX/2016 ... what recourse do I have?? 

It appears as consumers for XXXX health we are being taken advantage of with the high cost of XXXX care combined with those XXXX places who do not provide quality care and as a consumer, XXXX. 

Current collection activities ... XXXX and XXXX Atlantic Credit and Finance Special Finance Unit, LLC File number # XXXX XXXX XXXX, MA XXXX Stating amount owed as {$1300.00} plus {$50.00} court costs ... adding insult to injury! I am indigent! 


Court hearing ... XXXX/XXXX/2016 XXXX District Court Court Docket number ... XXXX XXXX MA XXXX Thank you for your attention to this matter. 
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 2020-06-11
Company: EQUIFAX, 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX, XXXX XXXX XXXX, RR 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 Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, 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:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine and accounts that were never late. 

I have attached a 30 day violation notice sent in response to this credit bureau not responding to a dispute letters sent via certified mail on XX/XX/XXXX. I have also attached a IDENTITY THEFT report that is in direct relation to the accounts that I am disputing as not mine. 

I have several residential addresses appearing on my credit that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went to school for 3 years and graduated XXXX with a degree in XXXX. I borrowed {$21000.00} initially for my schooling and they indicated that just like any loan my interest rate would be low and I would begin to pay my loans back once I graduated. When I graduated and set up to pay my loans they added on {$12000.00} in interest as my total cost, plus they said I get added interest percentages per month added to my total now {$33000.00}. This is such a scan and completely sets hard working students back once they graduate. I 'm so disappointed with the student loan companies when they are supposed to be there to support and help students.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Company Inquiries : 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 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 explanation
Consumer complaint received 2019-12-13
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 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 2021-12-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On my drive from Virginia to a job interview in Florida my car was repossessed in Georgia where I stopped to sleep. Toyota Financial Services never sent me a letter of demand or plan to sell property before repossession. They never notified me that they issued an order to repossess my car. My car was grabbed on XX/XX/2021 and the person who took it did not notify the police or sheriff which is against the law. Toyota agent told the police that they did not issue the order for repossession on XX/XX/2021 and its in the police report. Toyota informed the police that they received my full payment and a prepayment for XXXX and that the loan is reinstated. I borrowed money from a friend and paid {$2300.00} in full and Toyota accepted it the morning of XX/XX/2021, then 4 days later on XX/XX/2021, I called them for any letter in writing and they emailed me a notice of a plan to sell the property if I don't pay over {$12000.00} by XX/XX/2021 with no reinstatement rights. Toyota gave me the phone number to XXXX XXXX XXXX for any questions about my property inside the car or whereabouts of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX Consumer Financial Protection Bureau, Yesterday, I received a letter on Chase letterhead dated XX/XX/2023. Said correspondence arrived in a white nondescript envelope that I had initially set to the side as probable Junk Mail. Once I opened the letter I was surprised to see in bold letters " We have decided to close your accounts ''. I immediately panicked. The anxiety caused my XXXX XXXX to rise and I became ill at the thought. 

At XXXX XXXX. EST, I called the number in the letter - ( XXXX ) XXXX. The automated system provided me with the option of a callback within 12 minutes. I left my number and took the time to call my accountant and ask him for advice / direction. At XXXXXXXX XXXX EST, I received a callback from XXXX. He basically read from a script nearly identical to the letter I had received. He could not provide me with any additional details. 

I asked XXXX to escalate my call. 

Several minutes later, XXXX introduced me to XXXX from the Fraud Prevention Department. Again, XXXX could not offer any insight as to why my accounts ( all four ) would be closed. I asked if there was anyone else I could speak to and she said 'no '. She mentioned that my relationship with the bank was " at-will '' and that they have decided that due to " unexpected activity '' my accounts would be closed. 

I shared with both representatives that ( to my recollection ) I had never bounced a check or had insufficient funds in my account. I have never been in trouble with the law save a minor traffic violation many years ago. I am not presently ( nor ever been ) involved in any sort of criminal or illicit business / industry. My relationship with the bank goes back many years without issue. I have a terrific relationship with my branch. 

I can not imagine why this happening. This will undoubtedly affect my XXXX  Score when I have worked tirelessly to safeguard my credit. In many respects, this is defamation of character. The bank 's decision will undoubtedly tarnish my reputation and worthiness as a banking consumer. Employers have " at-will '' clauses in their offer letters but are still liable for wrongful termination. And this is precisely what has happened to me. 

I have downloaded my XXXX Report with XXXX and there is nothing contained in their report that would justify the closing of my accounts. Most recently, there appear to be two inquiries from XXXX XXXX XXXX  but these were due to my employer opening business accounts that named me as an Authorized Signatory. Completely benign as far as I know. Nothing else appears in the report. At all. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed multiple inquiries on my Experian report over 30 days ago that I did not approve of and I've gotten no response from the credit bureau and the inquiries are still there and they don't report as being disputed. 

I have also reached out to the creditors that did the inquiry and they couldn't tell me anything except that someone tried to get a car loan under my name. I asked for the credit applications with my signature and they couldn't provide anything. 

The dates for these inquiries are XX/XX/XXXX and XXXX of 2020.

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 2020-06-11
Company: Paypal Holdings, Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
IN XX/XX/2019, I was temporarily living in XXXX, XXXX. On XX/XX/2019 I sold a XXXX  XXXX XXXX Multipurpose Electrical Stimulation for XXXX Euros from my location in XXXX XXXX via XXXX.. XXXX item ID : XXXX. The purchaser paid me the amount via paypal. I sent her the item. Everyone was satisfied. I used my XXXX email address. A few days later, after the item was sent, paypal informed me that they were closing that account. Paypal did take their cut for receiving the money and XXXX also received their percentage. I had no idea why they were closing my paypal account, and they would not tell me. They said they would send me an email in 180 days and I could then access the XXXX Euros I had earned. It is now over 180 days, and I have not received the email. I called paypal, but they say that due to covid 19 they do not have any live agents. I went onto their site and their message center is not working. So there is not way to contact them. 
Paypal is owned by XXXX and XXXX uses this service and requires sellers to use it. My funds have been held for around 180 days and I can not find a way to get them. Please fix this problem since, Paypal was a subsidiary owned by XXXX. Please reach out to paypal and have them send me the funds that are currently listed as mine in my XXXX XXXX account. Although I was living in XXXX XXXX in XX/XX/2019, I am now living in the United States at the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX, West Virginia XXXX

Company response to consumer: Closed with non-monetary relief