BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-24
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
We have a court ordered 6 year 3 % annum payment schedule via a chapter XXXX financial restructure settlement case # XXXX doc # XXXX file date XXXX/XXXX/XXXX. we have pain well over {$50000.00} on a {$21000.00} consolidated loan in XXXX and have a remaining balance over {$21000.00}. Nelnet has again increased interest rates to 8 % and not per annum They claim no knowledge of settlement. In XXXX we have the same problem with nelnet who refused to work with us and told us to hire a lawyer until we filed a complaint with the attorney general and CFBP case number XXXX. After the official complaints being filed, then Nenet ( and other student loan companies who we filed against than and are filing against again today ) contacted us and corrected all discrepancies and refunded ill-gotten gains. we requested an independant accounting agency to review all financial dealings at that time as well as an independant investigation into Nelnet banking practices however neither was done to the best of my knowledge. In addition to the complaints filed with CFBP today, I filed another complaint with the attorney general and contacted XXXX financial correspondent XXXX and requested an investigation into the student loan banking practice of Nelnet and the other student loan companies due to the repetitive financial discrepancies indicating significant incompetencies in their banking practice or demonstration of their illegal banking behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/XXXX, but no response was ever received from you to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX CXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account 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 2016-03-31
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hi, I fanancing a car since last year for XXXX and up less than XXXX I paid XXXX amount XX/XX/XXXX till now my account balance is XXXX I thought this is just stole people money West Lake Financial services XXXX that 's a scam bank no good if anyone has to finance a car do n't go with that scam bank

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX screwed me up after I closed my account with them with no balance because they said I owed them {$40.00} after I had already closed my account and they never notified me of this after we had mutually parted ways. They kept reporting this on my credit and when I found out about it I called and gave them the {$40.00}. To this day this is till negatively affecting my credit and I feel like they violated the credit consumer laws by not notifying myself in writing about the unpaid balance after I had successfully closed my account with them in good standing and with no balance due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage account XXXX NOW XXXX account XXXX Paid XX/XX/XXXX mortgage statement to Freedom Mortgage in full PLUS {$400.00} additional principal via XXXX checks via XXXX mail. Checks were never cashed. 

Freedom Mortgage account shows I never paid XXXX statement. Not true. 

Received letter from XXXX that Mortgage has been transferred to said company as of XX/XX/XXXX, now account XXXX. Online account shows that XXXX payment has been made, but I still owe XXXX payment? Checks made out to Freedom Mortgage not cashed. 

Where is the payment I remitted? I have never missed or had a late mortgage payment, clearly a problem with transfer process, HOURS OF MY TIME WASTED ON THIS. 

I can not afford to make another mortgage payment for XXXX only for the original checks to be somehow " found '' and cashed. I should not have to have a missed payment associated with my/my husbands account because of errors on the part of these XXXX companies.

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 2021-01-08
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: Was not notified of investigation status or results

Complaint:
I have submitted disputes of inaccurate information on my credit report and nothing has been done it has been well over 60 days and by law these items should be removed from my credit report 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 2021-01-08
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: Investigation took more than 30 days

Complaint:
When Covid started I was given the option to not pay the vehicle for 3 months due to lack on income. When i checked my credit report it showed I was late 30 days not once but twice in XXXX and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am disturbed that TransUnion continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Trans Union have no right to maintain information which the government has deemed nonexistent.

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 2022-11-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Me and my wife are account holders with Chase, today we tired to do some account maintenance for existing accounts, and the customer representative we dealt with was disrespectful and arrogant, I tried to file a compliant through Chase through my Chase app and you cant and through their web page, I couldnt get in. I know it might not be a case of fraud or deception but may be of unfair treatment again XXXX or elder treatment, and I know I have the right to file a complaint but they make it difficult to file one. Beside we sh have been treated in such a disrespectful manner. 
The branch in question is located at XXXX XXXX XXXX XXXX, in XXXX, XXXX, XXXX. If you look at the branch website you will see I am not the first one to complain, and it was not the first time they have treated us in that manner and it was time to escalate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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: Account status incorrect

Complaint:
My credit score dropped over 100+ points basically over a couple of days. There was, is no activity to justify this but illegal tampering with my credit scores to and credit my report. I believe someone has illegal tampered with my credit scores.I would like an investigation done and my credit scores to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my recent credit report TransUnion there is a adverse account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX account date open XXXX/XXXX/2013, is an individual account, account type : open account ; loan type GOVERMENT GRANT. PAST DUE {$2300.00} ( all this information retrieve from my credit report with TransUnion ) contacted the US TREASURY and talk to a representative name XXXX stating that there is no records of any debt under my name or social security number. contacted TransUnion credit company and they have open a XXXX investigation to get any results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
A few months ago I logged into the Transunion website and placed a freeze on my credit because of fraudulent activity I noticed on my one of my credit cards. I called because I was looking for housing for my daughter and I and needed to remove that freeze temporarily. I did not need a pin when I go online but, the online website is not allow you to removes freezes in gives an error message and tell you to call in. I called on XX/XX/2022, the first person I talked to had a authentic accent which made it hard for me to understand she was also vey rude and sarcastic. She claims that I didn't answer the questions properly and when I asked her to repeat the question she would not do so and placed me on hold she told me it was a hassle for her to assist me with this situation. She then placed me on hold and never came back to the phone. I called again they transferred me to a supervisor and I explained that my credit needs to be checked so I can get have a place to stay. I can verify any information they needed. He said they would need to call me back and send me a pin. Well, the other credit centers I never have a problem with just Transunion. I want to file a complaint because of their lack of understanding and knowledge they are treating people unfairly and deal with their customers harshly. I may loose my deposit and my place because of this situation.

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 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Mortgage has refused to updated or delete my delinquent status of my Home Mortgage Loan, for approximately 18 months. I paid off my home 2 months ago, the total balance, and I have requested updates from XXXX, but to my surprise I have yet to see any progress in this. It is negatively affecting my credit score, and I am in the process of submitting a loan application with the XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX which will provide me the capital needed to expand my business. I plan on opening my second jewelry store in XXXX of this year, and I desparately need to clean my credit by XXXX XXXX. Any help on this would be greatly appreciated.

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 2022-10-02
Company: LANIER COLLECTIONS AGENCY AND SERVICES 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 act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Receivable Recovery Services, LLC
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:
Receivable Recovery is reporting information without permissible purpose. Furthermore this account is only reporting on my XXXX Consumer Report. Pursuant to 15 USC 1681e ( b ) states all consumer reporting agencies must maintain maxium possible accuracy. 15 USC 1681b ( 6 ) states all Credit Reporting Agencies must work together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: WI
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 to the fair credit reporting act XXXX  account numbers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my right 15 U.S.C 1681 section 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 to not furnish account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a student loan on my credit report from XXXX AND IT WAS REPORTING IN CORRECTLY. I HAVE DISPUTED THIS WITH TRANS UNION AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT FILE. THIS ACCOUNT IS NOT DUE TO COME OFF ANYTIME SOON. THIS ACCOUNT IS A CLOSE ACCOUNT PAY AS AGREE STATUS. WHEN I DISPUTED THIS I WANT THE HISTORY TO BE UPDATED FROM XX/XX/XXXX TILL IT WAS TRANSFER IN XX/XX/XXXX. IT WAS REPORTING IN ACCURATE DAtes SO I CONTACT XXXX AND THEY SENT ME A PAYMENT HISTORY THAT SHOWS THE CORRECT INFORMATION. A COUPLE OF DAYS LATER IT WAS DELETE. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT REPORT AND XXXX FROM XXXX STATED SHE SENT ALL OF THE CREDIT BUREAU ALL CORRECT INFORMATION REGADING THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
personal names are not mine. I am XXXX XXXX XXXX. No other names should be listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filled out a request on-line to Transunion in XXXX, 2015 to investigate a fraudulent reporting on my credit report. The request for investigation was for a line item on my credit report from XXXX XXXX, # XXXX, for a collection of {$410.00} that was from the XXXX XXXX XXXX XXXX in New Hampshire. I explained to Transunion that I did not bring my animals to that veterinarian, and further explained that when I called the vet to dispute the charge, the vet said the bill was for the animal " Willow ''. I explained that the animal in question was my x-wifes cat that she purchased years after our divorce. The vet also stated that the address on the account was my x-wifes, as well as the phone number on the account. Only the name was mine. Therefore, the vet removed my name from the bill but they did not remove the amount from collections. Therefore, I was disputing this amount on the collections with Transunion. Unfortunately, I never heard back from Transunion. When I called back in XXXX of 2015, they stated that they could see the request on-line, but the request never made it to the correct office to investigate my complaint. I then gave a second complaint over the phone, explaining all of the above. Transunion completed their investigation and came back with the result " VERIFIED, NO CHANGE ''. Therefore, I would like to file a complaint against Transunion for 1, not acting on my original request for an investigation into a fraudulent reporting on my credit report. But also 2, for completing the second request and coming back with a " VERFIED, NO CHANGE '' finding with all of the evidence clearly exists to show that this is a fraudulent charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Discover student loans has been consistently harassing me and my co-signer about payment on a loan that they have been unable to provide proof that they own. I have asked for the original promissory note multiple times and have never received it. I would like to discontinue paying this loan until I see proof that it is owned by Discover. They continue to harass my co-signer and I about payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/2015 we disputed an unauthorized set of transactions on a joint account held at BECU ( credit union becu.org ). This was done via my wife 's debit card so the dispute was done under her name but it 's a joint account in XXXX of our names. On XXXX/XXXX/2015 BECU notified us they were crediting the account and would notify us in writing if anything further was needed. 

When examining my XXXX 2015 statement ( approx XXXX/XXXX/2015 ) I discovered the credit ( XXXX $ ) had been reversed. I then went into BECU on XXXX/XXXX/2015 to inquire and was told they had mailed us a letter in XX/XX/XXXX we 'd not responded to so they reversed it and it was closed. They then claimed there was nothing further to be done. We never received a letter and BECU can provide no proof that we received this letter either. A new copy was provided to us on XXXX/XXXX/2015 showing it dated XXXX/XXXX/2015 and claiming we had until XXXX/XXXX/2015 to respond. 

This was unacceptable to me as we never received this letter they claim to have sent and once I did discover the reversed charge went back to inquire within a reasonable timeframe. Statements close on XX/XX/XXXX so on XXXX/XXXX/2015 when I went into the branch to question this it was still within XXXX days of my notice of this charge. BECU easily could have prevented this issue by ensuring this written communication which has a very short time frame ( less than XXXX weeks to respond ) was handled via a tracked mechanism. i.e. certified mail, XXXX, etc. There 's been no proof offered this letter ever was sent to us at all beyond their claim of it having been sent. We did file the required paperwork with them immediately disputing the charge ( i.e. within the required XXXX days ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation