BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX  - Scheduled payment to pay {$100.00} to Nelnet to pay my loans for the month. I had sufficient funds so I was not worried that the payment would not go through. 

XX/XX/2023 - My billing statement becomes available so I check my account to pay it early for an additional {$100.00} for the month only to figure out that XXXX 's payment did not go through. I schedule to pay XXXX and XXXX ( approximately $ XXXX {$210.00} ) off in one shot with sufficient funds for this and wait until XXXX. I then attempted to contact them through their portal with my information and issue using https : //nelnet.com/nelnetforms/emailus. 

XX/XX/XXXX   - In the morning, it was found on Nelnet that my payment went through and it says my next payment is due on XX/XX/! The amount seems as though it was not applied to the loan though. I went to check my XXXX  XXXX XXXX checking account to see if the funds have been pulled, but no hold and no funds have been pulled yet. I assume it would take a little bit to reflect in both the loan and checking account until the evening. 

XX/XX/2023 - At XXXX, I check my bank account to see if anything had happened yet, but nothing. I then look to see if my scheduled payment is there and the scheduled payment is gone and there's nothing proving I even had a scheduled payment except for confirmation emails of when I scheduled them. Now my loan reverted and says my next payment is due on XX/XX/XXXX  again. 

Today is XX/XX/, and still no response to my email or what is going on. I guess a huge issue is that the scheduled payment is being cancelled and Nelnet sends me emails regarding scheduled payment confirmations, billing statements, and everything EXCEPT the fact that my payment got cancelled which led to me being delinquent on a payment. How come everything comes through email except such an important thing? It seems like predatory practice as it seems I am not the only one having this issue per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: MD
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2022-06-28
Company: EQUIFAX, INC.
State: MD
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been dealing with Transunion for some time now. Still to no avail, they have not helped me. There is an account on my credit profile, that has inaccurate information reporting. XXXX XXXX - XXXX. The date the account was opened is incorrect. 
The date of last activity is inaccurate. The high balance is inaccurate. The date of last payment is incorrect. The creditor is reporting different dates to all 3 credit bureaus. The creditor also keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I deposited a paper check that underwent prompt acceptance, accompanied by a representation that the corresponding funds would be accessible within a stipulated timeframe of 4 business days. Regrettably, the funds were not credited to my account until the morning of the 5th business day, constituting a delay of one business day beyond the initially communicated timeline. Subsequently, in my attempts to address this matter through the designated support channels, I have encountered a consistent recurrence of scripted responses that inadequately address the specific nuances of my concern. This recurrent pattern raises concerns about a potential deliberate avoidance of accountability by Cash App. I am seeking resolution and clarification regarding the observed discrepancy in the timeline as communicated during the initial deposit process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I am a member of Bank of America for which whom I have a current Mortgage with. XXXX, XXXX and XXXX of XXXX B of A reported to the XXXX Credit Bureau 's that I was late on Payment 's. 

I am currently enrolled in XXXX XXXX XXXX and filed a complaint and provided proof with Bank Statements showing I was not late in payments. 

I contacted Bank of America and spoke to a representative, I was told that my impound for my taxes had increased and that there was not enough money in my payment to cover the impounds. Since the mortgage payment I made was not sufficient they did not post my deposit to the account. The difference in the amount was like XXXX as soon as I found out after several calls to Bank of America I payed the difference. 

I never received a courtesy call to inform of me of this. In the Interim due to this injustice I tried to refinance my mortgage and was told I could not because I couldn't have any mortgage late payments within the last year. My credit score has decreased making me get higher interest on loans.

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 2022-06-28
Company: EQUIFAX, INC.
State: MD
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:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2014 Balance : {$0.00}

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 2022-06-28
Company: Experian Information Solutions Inc.
State: FL
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 realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that XXXX, XXXX and Experian are reporting these inquiries I would like them to remove them.

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 2022-06-28
Company: EQUIFAX, INC.
State: FL
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 realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that Equifafx, XXXX and XXXX are reporting these inquiries I would like them to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX  XXXX XXXX XXXX ACCOUNT # XXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: PENTAGON FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''

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 2022-06-28
Company: EQUIFAX, INC.
State: MS
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 did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 1XXXX XXXX XXXX XXXX, XXXX 2.XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXUS DEPARTMENT OF EDU XX/XX/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 2023-11-08
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/26 I was called by Chase alerting me to fraudulent activity on my account. They said due to the nature of the fraud that I did not need to close my debit card. On that same day, 17 different ATM withdrawals were made totaling {$1400.00}. I immediately called that same day to have my card closed. The ATM withdrawals show as being done at an ATM by my house. XXXX XXXX XXXX, XXXX, XXXX Chase started a claim but has denied my claim stating that they can not prove that it was fraud because " nothing has changed on my account and the withdrawals happened in my geographic area ''. Chase has stated that the fraudulent withdrawals were done by XXXX XXXX contactless withdrawals. I have asked for video surveillance to prove that I did not make these withdrawals. Chase then told me I needed to file a police report. I have filed a police report. Case # XXXX. Chase has told the police that they can not release the video surveillance without a search warrant or subpoena and the police said they can not obtain those without the video surveillance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: Upgrade, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I sent a check to SLS to pay down my line of credit. I sent it over night. It was for {$240000.00}. SLS received it on XX/XX/XXXX at noon. I called Tuesday XX/XX/XXXX XXXX to see why it was not posted. The rep for SLS said they received and sent it back. XXXX asked why? she said her supervisor said I sent it to the address for payoffs. I said on the back of the mortgage statement it says all payments mail and gives a po box . Right under it, it says overnight payments mailed and gives an address. It does not say anything about payoffs. No one from SLS called me, they just sent it back. I asked to speak to a supervisor and she said one would call within XXXX hours. no one called. I called today and they said someone would call me by Friday the XXXX. I am now going to pay them off. This is not how customers need to be treated. I think they should back my payment to Friday XX/XX/XXXX when received. I would be happy to send you a copy of my statement. I guess they make up the rules has they go along. I in good faith paid to send it overnight because I did not want it to get lost in the mail. Now I don't know where that large check is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2022 I notified the company that i did not owe the debt that they are claiming and that i had no contract with them ( Professional Debt Mediation Inc. ) along with them violating privacy laws by using my Social Security number without permission. they never sent any letters warning me of this debt or saying that they acquired the debt or were working on behalf of the medical company ( original creditor ) to collect a debt. They did not use the required form SSA 89 with the Social Security Administration that requires that requires permission to be granted. I went ahead and paid the debt in silver shares which was approved by the Internal Revenue Service. The letter was sent out to the company in XX/XX/2022 along with copies of the appropriate tax form proving the debts were paid. they have 2 accounts open but I will submit another complaint concerning that one. This one is for {$2200.00} for this certain complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX dollars from 2011, my son went to the XXXX and at that time we all changed to XXXX XXXX and told XXXX. XXXX states we never cancelled his phone. It was 12 years ago. Still trying to collect after all this time. I haven't used XXXX for 12 years. I have good credit but they are still trying to get me to pay a bill that was never due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX XXXX XXXX XXXX balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXXXXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX  XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!

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 2022-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
It was XXXX when my phone and debit card were both stolen. XXXX XXXX, you can read app and text messages/notifications with your phone locked. That is how the money was stolen from the card. I immediately locked my debit card and ordered a new one. XX/XX/2022 a transaction for {$700.00} was posted on my account. The merchant was an online tech company, XXXX. Before this, I had never heard of it. The Capital One support team were very minimal with questions, which may also reflect on the extent of their investigation. My fraud claim was denied twice, even after explaining that my phone and card were stolen. They would not provide me with any reason for denying the claim.

Company response to consumer: Closed with explanation