BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-29
Company: Nelnet, Inc.
State: CA
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 have repeatedly attempted to request that all of my federal loan groups be placed under the income based repayment plan. I have submitted my application for this XXXX separate times. Nelnet has communicated false information to me over the phone on over XXXX occasions causing the delay of this change taking place and causing me to have to use up to three months of hardship forbearance which I should not have had to use at all since I qualify for $ 0 monthly payments at this time due to my family 's very low income. Nelnet has claimed that they would put my loan on administrative forbearance twice since it was their error. These claims were untrue and I received calls from them weeks later stating that their representative was wrong and I do not qualify for administrative forbearance. When they call they ask for payment for the loans which become past due since they never placed the administrative forbearance on the loan that they promised to place on it. The representatives largely refuse to give me their last name, their employee ID number and anything in writing that states the promises that they make to me over the phone about the steps they are taking to get my loans on the right track. They have also coerced me into putting my loans on hardship forbearance, of which I only have a limited amount, and then denied me the opportunity to place those loans on an income based repayment plan because the loans were already on hardship forbearance. Then once the forbearance runs out they state that I owe on the loans, that I must reapply for the income based repayment plan and that if I ca n't pay the amount due then my only choice is to put them on hardship forbearance again. I 've been dealing with this issue for over 6 months and find that their staff is largely incompetent and untrustworthy. I hope to find a way to, in the future, have an agency that is reliable and trustworthy manage my loans even if that means a higher interest rate and consolidation. Nelnet 's practices are harmful to consumers and the overall feeling is like you are in the twilight zone. It seems that their departments do not know what each other are doing and that the staff that consumers can reach over the phone have had extremely unsatisfactory training in how to do their job. The root of the problem seems to be either poor training or willful deception of consumers that have little to no opportunity for recourse since documentation of the calls is not provided to the consumers and when I request documentation they state they are not allowed to provide anything to me. I feel trapped and miserable dealing with this company and disappointed that the Federal Government allows them to manage student loans. I did not choose NelNet and it seems extraordinarily unfair to have to bear the burden of their continuous mistakes and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: TX
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2020-01-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAKEFIELD & ASSOCIATES is a company that appeared on my credit report that im not familiar with that put a Debt on my credit file in the amount of {$730.00} with an account number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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: Old information reappears or never goes away

Complaint:
I need to have ALL PAID Collection Accounts removed from my Credit Report. The accounts have been paid. I need them removed from the report as soon as possible. 
They have been paid for some time now.

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 2022-03-16
Company: Scratch Financial, 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:
Scratch Financial in XXXX XXXX opened a line of credit using my name and social security number for another person. The loan has become past due and it is being reported to XXXX on my credit report. XXXX has lowered my credit rating. Scratch Financial will not clear up my credit unless I give them a loan ID and file a police report of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have an equity-line-of -credit with M & T bank. The line was first opened many years ago by banks that M & T absorbed. I became delinquent on this account in XXXX  because of health and business problems. In addition, they raised my monthly payment almost 10 fold. At the end of the year, I requested a loan modification from M & T. I submitted all the paper they needed and they told me on XXXX that there were things missing and they gave me until XXXX XXXX to respond. I responded by that date and on XX/XX/XXXX they told me that there was some missing information and because it was so close to the foreclosure date that they would no longer consider a modification and would not tell me what items were " missing. '' Most of my correspondence is with XXXX, the foreclosure attorneys. They send me mailings every day highlighting the foreclosure date. The letter they send is one I received from M & T in XXXX on 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 2016-09-30
Company: CITIBANK, N.A.
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a citibank gold checking account in XXXX of 2015. The promotion read sign up and make XXXX bill payments and get XXXX thankyou points after completing this offer. I completed the XXXX bill payments and was recently notified that my account was ineligible for the reward as it was only for targeted customers. At no point during the signup process was I made aware of this. The link was directly on citi checking account page when I signed up-it has long been deleted since.

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 2023-02-02
Company: Atlanticus Services Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiry was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

FORTIVA/XXXX  Inquired on XX/XX/XXXX Business Type : All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 
XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: IL
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 ( FCRA ) XXXX Account # XXXX, Account # XXXX, Account # XXXX, has violated my consumer rights 15 USC 1681 Section 602 A. - States I the consumer have the right to Privacy.

15 USC 1681 Section 604 A Section 2 - it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that the Consumer Reporting Agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a respect for the consumer 's rights to Privacy

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 2022-02-23
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a consumers energy bill owed in my name and its identity theft a never agreed to a bill being put in my name my information was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My wife and I married in XXXX. We made a payment on my credit card from her bank account. This defaulted her account as the preferred account. We did not notice from XX/XX/XXXX to XX/XX/XXXX. My wife noticed payments from her bank account and marked it as fraudulent, but we did not identify my credit card as the account until JPMorgan Chase began sending me notices of the balance. I immediately paid the JPMorgan Chase credit line balance. The credit line remained open for about another month, during which I used the credit line and subsequently paid the balance. For all the credit line balance in question, I paid well within the terms. Recently, JPMorgan Chase closed the account and reported me as delinquent in the payments form XXXX to XXXX ( although the balance was paid immediately and for a second time ). I contacted JPMorgan Chase to resolve the issue. JPMorgan Chase claimed the payments were never received because the payments were reversed. I disputed, saying for the payments to be reversed they must have originally been made. I can not go back in time for a second payment to be received, an impossibility. Further, when the balance for the reversed payments was reported to me in XXXX, I immediately paid. Therefore, under no legal or logical definition was I delinquent by my own action. Despite my dispute, JPMorgan Chase closed the account and reported the fully paid balance as delinquent. I believe this was done to intentional impact my credit score ( which was immediately lowered ), or at the least, JPMorgan Chase 's systems and processes are recklessly designed to negatively impact debtors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have made a purchase using a Citibank card for a Merchant to provide car rental booking service but the Merchant failed to provide that service appropriately, resulting in failure of car rental reservation. 

Dispute was filed with Citibank and Merchant provided response irrelevant to issue. Citibank requested more information from me. I provided detailed information. Citibank wrongly determined my response was incomplete and refused to pursue a charegback.

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 2016-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I signed up for the new Chase Sapphire Reserved credit card with the sole purpose of utilizing their promotions. One of the promotions offered is : Receive up to {$300.00} in statement credits annually as reimbursement for travel purchases such as airfare and hotels charged to your card. My girlfriend booked a hotel on XX/XX/2016 using my card on XXXX without first talking to me for the amount of {$490.00}. The {$300.00} travel credit from Chase was applied automatically on XX/XX/2016. I did not agree with the booking and had the hotel booking refunded. I was refunded the {$490.00} on XX/XX/2016. I have been planning to book a new reservation that we could both agree on. I have been informed by a Chase credit card manager that the {$300.00} travel credit was a one time deal for the prior purchase of {$490.00} from XXXX. Chase is refusing to give me the {$300.00} travel credit towards anymore purchases for XX/XX/2016. This feels like a bait and switch situation. I was unable to use the {$300.00} travel credit from Chase because of a reimbursed hotel booking. I am sure I am not the only Chase customer who has found out the hard way that the {$300.00} travel credit is unavailable after changing their hotel or other travel plans. I have read the Chase Sapphire Reserve credit card offer details listed on their site. The offer details on the Chase Sapphire Reserve credit card does not mention anything about losing the {$300.00} travel credit if a customer has to change their booking. This is a bait and switch scheme Chase Credit Card is pulling on me. The whole situation is causing me economic stress and may cause a breakup with my girlfriend.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from 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 explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX XXXX BANK, has violated my rights. 

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 a account without my written instructions

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 2020-04-22
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am having a hard time due to the coronavirus pandemic my hours have been cut which caused me to fall back on payments for rent and car. I have explained to Bridgecrest what was going on I keep getting harassing phone calls looking for money that I dont have And its very irritating Im trying my best to do what I can but this company is very unhelpful during this time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT DOES NOT BELONG TO ME AND IT SHOULD NOT BE ON MY CREDIT. I HAVE NO IDEA OF WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO ME. THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS AND IT HAS ALSO BECOME A BLOCKAGE IN MY LIFE. I HAVE A LOT THAT I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Bank of America had reported a loan in XXXX for XXXX that was never encumbered by me nor did I have any knowledge of the mortgage. The loan was supposedly originated in XXXX the reporting was inaccurate and inconsistent. showing some months or years of no payment then some months no reporting at all. this lead to an illegal foreclosed home in XXXX even after the foreclosure in XXXX the foreclosure doesn't even reflect my credit now.

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 2023-03-23
Company: Seattle Service Bureau, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is a company providing respiratory equipment to Patients. 

Based on your description, it appears that I have been a victim of fraudulent billing practices by XXXX XXXX XXXX XXXX. As a retired physician with expertise in medical billing and collections, I am well-positioned to recognize and report such fraudulent activities. 

A fair resolution to this issue would be for XXXX XXXX XXXX XXXX to immediately cease all billing and debt collection activities related to My account and to remove any negative marks on my credit report. Additionally, the company should be thoroughly investigated for XXXX fraud and, if found guilty, should be banned from future participation in XXXX and healthcare insurance programs. 

I should also consider reporting the company 's fraudulent activities to the appropriate authorities, such as the XXXX for XXXX and XXXX XXXX ( XXXX ) and the Department XXXX XXXX and XXXX XXXX ( XXXX ), as well as filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). By doing so, you can help prevent others from falling victim to these fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Experian on XX/XX/XXXX requesting to investigate and verify the Accuracy of the accounts on my Credit Report. The account below is reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous account and have it corrected. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXLate/Closed Late Date 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