BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I reached out to my loan company, Nelnet, to see if I could qualify to consolidate my FFEL loan into a direct loan so that I could qualify for PSLF. This would require removing my ex-husband, the co-maker, from the loan. 

I received an official letter from Nelnet on XXXX XXXX which began, " You are the owner of the above account which has a co-maker. If you consolidate, the co-maker of the account will be removed. '' To that end, I would be able to remove my ex-husband, consolidate, and then qualify for the PSLF as I have made qualifying payments since XXXX, and have worked in public service since XXXX. 

I called Nelnet on XXXX XXXX to confirm what was written and begin proceedings, and the first person with whom I spoke said, " I don't think we do that '' and chuckled. I asked if he could kindly confirm yes or no, and noted something to the effect of, " This is very important to me as I am a single parent to XXXX teens and I have already paid more than 80k of my 60k loan and have XXXX remaining payments, which means I may retire before completing my payments. '' After about an hour, I was transferred to a supervisor who finally came to the conclusion that I 'likely " have a spousal FFEL loan that does not qualify for consolidation. I checked my original loan paperwork -- which I still have filed -- and did not see anything written therein disqualifying me from consolidating. However, it is now all over then news that this type of loan is the exception to the PSLF waiver. 

I am very disappointed that Nelnet mislead me, and then half dismissed me when I called, only to keep me on the phone for an hour in their attempt to help me. They have taken so much from me, and have never tried to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with Fifth Third Bank. I checked my account and discovered that my student loan payment had gone through despite requesting a recalculation which typically results in the payment not being processed. This resulted in an overdraft and my account being - {$600.00}. I contacted the bank that financed my student and was advised of the process for requesting a refund. I was told that this could take up to 20 days. I immediately contacted Fifth Third customer service to ask questions about the overdraft and fees. I specifically asked if the fees were incurred per item per day the account is overdrawn. I was told that the fees were not assessed per day. I was told that of the {$110.00} in overdraft fees they would refund {$74.00}. I specifically asked that as long as no additional transactions would go through would I not be assessed any additional overdraft fees. I was assured that I would not. I checked my account today and I was charged another {$180.00} in overdraft fees. This time when I called the rep, I was told there were a total of XXXX items that cleared. I tried to explain to the rep that those transaction were conducted before the overdraft and most were pending when I spoke with the rep on the day prior. This rep stated that I had been misinformation the day before. Fifth third is no stranger to the CFPB for it 's misleading practices and deceptive fees. I do n't understand how XXXX reps working for the same entity can provide such different information. I explained that the overdraft was not my fault and I was not in a position to clear the overdraft before XXXX XXXX, XXXX. I have been a customer of the bank since XXXX and have been back and forth about their fees and policies for years. The one reason that I have yet to close my account is because of the fifth identity alert feature which provides some great credit monitoring benefits. But this is costing me more than it 's worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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 have try several times to remove unverified inquiries that i didn't initiated in my credit report and they told me they cant do anything than i told them to show me any prove that i initiated the applications. 

Here are the inquiries from Equifax XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 DigitalFCU - XXXX XXXX DATA - XX/XX/2021 XXXX - XX/XX/2021 CIS - XX/XX/2021 Here are the inquires from XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a Notice of Wage Garnishment from XXXX through my employer. It stated that they received a Writ of Garnishment order on XX/XX/2022 which required my employer to begin to deduct wages on my payday. This Writ of Garnishment was filed at the Magistrate Court of XXXX County for 25 % of every paycheck. 
I was very confused because I have not received any notice other than what was sent from XXXX whom had already started garnishment on my next paycheck which I receive tomorrow XX/XX/2022. 
I was able to look up the Case filed with XXXX County and it was filed by XXXX XXXX as assignee of FIA Card Services, XXXX. I have never received a summons or phone call nor any other form of contact from either company, despite the records showing I was summoned XX/XX/2022.

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 2021-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Online Information Service Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Diversified Adjustment Service, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a debt against me under XXXX XXXX. I have no clue why or what for, as I have not had an account with them in over a year. I have not been contacted in regards to this. I believe my account was not closed and I have been charged for utilities under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was reviewing my credit report and disputed a negative collection that I was not aware of. The credit agency identified the company as Credit Collection Services and they sent me information regarding the original debt as being from XXXX XXXX. I contacted XXXX XXXX who identified the debt as being from XX/XX/XXXX in Maryland for a XX/XX/XXXX vehicle that I have never owned. I also was not a resident of Maryland in XX/XX/XXXX as I live in Florida. I have never used nor had any contracts with XXXX XXXX. XXXX suggested that I respond to Credit Collection Services disputing the account and they would have it removed. I have sent two request to Credit Collection Services and they continue to send me letters requesting payment and reporting the negative item on my credit report. Can someone ask Credit Collection Services to remove this from my credit file and stop trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: GVA Holdings, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I called riverbend on XX/XX/2020 to settle this account as paid in full since I paid the amount I borrowed plus extra. So far I have paid XXXX and there will be another payment coming out on XX/XX/2020 for XXXX. Which will make my total XXXX. I believe this is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: CA
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:
XXXX this is my 3rd or 4th time trying to get things off my report and they have not been help or no reponds. First letter was sent on XX/XX/XXXX and second was sent XX/XX/XXXX 1. chapter XXXX bankruptcy 2.XXXX XXXX  XX/XX/XXXX it was unauthorized 3XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX not mines 5XXXX XX/XX/XXXX Not mines 6. XXXX XXXX I was never late 7XXXX I Was never late XXXX XXXXXXXX XXXX XXXX XXXX This is my second attempt to get a responds or an answer. first letter was sent XX/XX/XXXX and the second was sent XX/XX/XXXX 1. XXXX XXXXXX/XX/XXXX not mines 2. XXXX XXXX I was never late 3. XXXX I was never late EquiFax Information Services- they yet to respond or address my concerns. The first letter I sent was on XX/XX/XXXX and the second letter I sent was on XX/XX/XXXX 1.XXXX XXXXXXXX I never gave the consent to report this own my credit report 2. XXXX  XX/XX/XXXX Not authorize or mines 3.XXXX  XXXX I was never late 4. XXXX I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: CT
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 submitted a dispute to Equifax for a XXXX XXXX account that had been placed on my consumer credit report without my consent, I used Equifax 's online dispute portal ( I will only use XXXX ) from now on as a result. My complaint was that the account is owned by a XXXX XXXX XXXX, XXXX XXXX XXXX and I am XXXX XXXX XXXX, XXXX XXXX XXXX. I stated that the account had wrong information and to delete the wrong account from my credit report in the little area where they have you explain. What happens is I get a generic response letter and just a screenshot of an account with a balance. The account screenshot did not have any name linked to the account, just XXXX XXXX 's response to XXXX was " Consumer 's dispute not specific. Consumer information verified. Account information updated '' not only did they ignore my complaint, they just probably ran this through E-Oscar and ignored what I had typed in the box as my complaint. I am not XXXX XXXX XXXX, XXXX XXXX XXXX and if they did their due diligence they would see that that is who the account owner 's name is. XXXX XXXX 's response does not show the name on the account that will clearly show the account is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/2021 I lost my Fortiva Credit Card while at XXXX, I contacted the Credit Card Company and informed them of the loss at which point they asked if I had made a recent charge in the amount of {$770.00} at which point I informed them that I had not. I submitted a fraud form and the Credit Card Company refused to remove the charge from my card after issuing me a new card and are now trying to force me to pay for the fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}. 
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: BBVA FINANCIAL CORPORATION
State: TX
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/19, BBVA called and told me checking account XXXX was overdrawn. I told them that this was some mistake. The account had not been used since XX/XX/19. 

On the afternoon XX/XX/19, the account was frozen, debit card ending XXXX was reported stolen and dispute ticket XXXX was opened. On XX/XX/19, I received a letter dated XX/XX/19 stating my dispute had been closed and denied. 

The BBVA Card Fraud Group opened and closed this dispute the same day. The bank 's fraud department never contacted me about signing a fraud affidavit, copies of the police report or the identity theft report. Again BBVA has violated Regulation E. 

The bank also shows this dispute ticket is still in progress even though they closed the dispute investigation within a few hours the same day it was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Multiple hard inquiries have been pulled in my name by the following creditors. None of these are me. Someone is stealing my information and trying to open new accounts. 
XXXX XXXX XXXX  on XX/XX/2022 XXXX XXXX on XX/XX/2022 Capital one on XX/XX/2022 XXXX on XX/XX/2022 XXXX XXXX XXXX bank on XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
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: Information belongs to someone else

Complaint:
I applied for a XXXX XXXX XXXX credit card today XX/XX/2020and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.

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 2015-10-12
Company: Avant Credit Corporation
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Request to CLOSE ACCOUNT and give payoff balance in XX/XX/XXXX. Advised was refinancing home to clear debts especially this one at 65 % APR. AVANT of Louisiana, LLC refused to cooperate with me or XXXX XXXX XXXX that was handling refinance of home and cutting payoff checks. Clearly told both of us would not close account nor put a payoff amount in writing. 
Applied for loan for medical emergency XX/XX/XXXX for {$2600.00}. because of the urgency..failed to read fine print that showed 65 % APR which meant at least {$130.00} a month was added to balance even if I paid more than monthly amt due on or before due date. This is the only Creditor that was not paid and only creditor that REFUSED TO CLOSE ACCOUNT ON DATE OF CONTACT REQUEST. My pain and desperation for emergency dentalsurgery led me to now having to deal with a financial burden that keeps increasing in leaps and bounds monthly, a company that refuses a request to close the account to stop the 65 % APR, refuses to allow me to talk to management. Seems I 'll be trying to pay this one debt forever and keep bad credit reports.

Company response to consumer: Closed with explanation