BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-02
Company: Nelnet, Inc.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was never contacted by XXXX or Nelnet that my loans were in default. I was under the assumption that since I had recently stopped going to school, my loans were not yet due. I was never sent statements or received phone calls regarding payment for my student loan. Once I found out that the loans were in default, I was never offerred a restructuring or forgiveness for my lates. I took the effort upon finding out how dire the situation was and consolidated under XXXX. They have since paid both XXXX and Nelnet in full. All I am asking both XXXX and Nelnet to do is to remove the late payments on my credit bureau report since I was not made aware the laons were due and in default, they had an incorrect address for me, and upon finding out about the default, neither of them offerred me a restructuring or forgiveness. I have sent numerous emails, letters, and made numerous phone calls to both and they are both unwilling to work with me due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: PROPEL FINANCIAL SERVICES LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Propel Financial Services is attempting to run me for what they describe as daily accrued interest that has never been shown or described in any manner on their mobile they statements. I have attached their last and final statement they send me by email monthly. It shows a final payment due on XX/XX/2020 of {$220.00}. My account has been on autocracy for many years and they had full authority to draft this amount from my account. On XX/XX/2020 they only drafted the standard payment, which they calculated at the beginning of the loan, of {$130.00}. I received no further documentation or statement and on XX/XX/2020 they drafted the difference of the XX/XX/2020 balance less the standard payment drafted on XX/XX/2020 plus an additional XXXX cents of {$93.00}. On XX/XX/2020 they began sending dunning emails for {$100.00} late payment, for which they had full authority to draft to preclude any late fee. Since XX/XX/2020 they have not sent a statement showing payments made of any remaining balance. I called them with my complaint, I pretty much got conflicting answers on what the {$100.00} was ( accrued daily interest of maybe a release of line fee ). They concluded by saying they will send a copy of my contract regarding accrued daily interest and all my statements. Unless they send a statement dated after XX/XX/2020 which they did not send to me, they have not provided any historical evidence of an accrued daily interest balance not any detail official statement of the release of line fee. These actions seem to me to be deceptive practices. I am requesting all collection emails by Propel and any additional fees and interest be stopped until they provide an official statement to me and an explanation

Company response to consumer: Untimely response
Consumer complaint received 2015-11-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I signed a loan with Nissan Motors. I have not had a problem with this loan until recently. Unfortunately i had a total loss. However i was smart and purchased GAP. Since XXXX/XXXX/15 ive been trying to work with NIssan to get the loan taken care of. I have paid my account like always and i have been working with GAP to get their check issued out for the loan. This has been stressful. I have spoken to several customer service representative and customer relations and have been hung up on told different answers, have been talked to in a poor manner tranfered back into the call que. Also i have filed a XXXX complaint but the coropartion has failed to respond or do anything or even acknowledge the complaint. I have been trying to get copies of the warranty cancellation policy checks so i can sent to GAp so they can redo their portion due to the fact they under estimate what i would get back on the poiicies. I have called daily trying to get it resolved no one has helped and they are very rude. I think its sad that they cant even respond to a XXXX complaint. In the mean time another month has passed and i am now due for a payment when GAP has been trying to pay but due to the negligence of NIssan i am forced to pay even thoughi havent had to car in two months and im trying to resolve the issue. I just need some help i feel discouraged and stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony Bank contacted me in a letter dated XX/XX/2020 asking me for additional information to process a credit card application. I received that letter on XX/XX/2020. I immediately called their Fraud Line to let them know I did not make that application. In speaking with  the representative, I was told whoever made the application did it with my Social Security Number. Synchrony Banks Fraud Department also said they would note the file as fraudulent and I would be receiving a letter within a week which I needed to sign and return to expunge their search on my credit report. On XX/XX/XXXX I received another letter from Synchrony Bank about a second attempt for a credit card application in my name. I called the bank again on XX/XX/XXXX to discuss this issue. I was again told I would be receiving a letter to sign that would clear this up. When no letter showed up, I again called Synchrony Bank on XX/XX/XXXX to try to expedite the process. I still have not received this letter. I would like to get this cleared up and get Synchrony Banks search on my credit report expunged.

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 2020-08-17
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
On XX/XX/2016 I opened an account with Discover Bank. I never ever missed a payment. I always have my account on auto pay. During my divorce, I had to cancel my joint bank account with my ex-wife and re set up my auto pay. When I realized that I had missed a payment I called right away and spoke with a representative to explain the situation. They told me that it was no issue and that all that i needed to do was provide the new account number and routing number to my new account. I provided that information accurately and was told by the rep that the payment was scheudeld for the due date. I later found out that the rep had incorrectly inputted the information into their system and because of their mistake my payment had not gone through and I now was showing up late and overdue and deliquent. I called right away in XXXX to not only recitfy the situation and tell them about their mistake but to have them look into the matter and look at their recorded tapes. I was told and confirmed by a manager that an honest mistake had been made on their behalf and that the information was inputed wrong. I gave them the account number correctly again for a second time and set up the auto pay. Not only did i bring the account back to auto pay i made a large payment and then cleared the account entirely of any balance. in fact they needed to credit me the money back. At this point I am considering legal actions and have reached out to an attorney. I would like for any delinquency to be removed from my records as it was not my fault and i am suffering damages in the process

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I had an alert on my credit report from a company I had never heard of, I looked up the company and called to find out there is a so called medical bill outstanding from 2010, which if it is in fact a real bill, it should not now be showing on my credit report after 6 years! I have never once received a notice of this bill as I have paid every medical bill off to date with no late notices. I do n't even have a notice or file number as they have never sent me anything! I do n't understand with HIPPA Laws, how my information can be handed over to some agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Lending Club Corp
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 I emailed Lending Club at the email address they provided to cease and desist calling me. That email address was sent to XXXX. I originally sent this request due to Lending Club calling me 5x that day  prior to XXXX. Lending Club acknowledged they received my cease and desist communication when later in XXXX I called in to make a payment. Then today, XX/XX/2020, Lending Club again called me attempting to collect a debt. I let them know that this is violation of the FDCPA and that i'd be reporting the violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: VA
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 am filing this complaint again due to the fact that in my initial complaint on XX/XX/2020, Experian responded saying this complain does not appear to be from me. Which makes no sense when I disputed in XXXX I submitted proof of identity and my police report, not to mention that those things were also attached to my complaint. 


In the month of XXXX I contacted EXPERIAN about errors on my credit report. I did not receive any correspondence back nor have these accounts been removed. They are hindering my financial right now. The accounts are as follows : XXXX XXXX - Last reported XX/XX/2020 - {$260.00} XXXX XXXX - Last reportedXX/XX/XXXXXX/XX/2020 -  {$190.00} - XXXX XXXX XXXX XXXX XXXX  ( Original creditor ) XXXX XXXX XXXX - Last reported XX/XX/2020 -  {$930.00} - XXXX XXXX XXXX XXXX ( Original creditor ) XXXX XXXX XXXX - Last reported XX/XX/2020- {$1500.00} - XXXX XXXX XXXX XXXX XXXX ( Original creditor ) These accounts do belong to me. And should be removed per 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2016-07-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had been saving my rent money in my savings account to set it aside for the first of the month. However, I transferred it back to the checking account too late ( one day late ) and because of that, I was charged a fee. I 'm in serious financial distress right now. After a medical problem, I have accumulated a lot of debt and I had only allocated the last {$20.00} that was supposed to be in my account to feeding myself for the next 10+ days. This bank has refused to return the {$35.00} despite my circumstances and my account remains negative with no possible way for me to fix it and with more fees on the way because I also had XXXX small bill that will now also overdraft my account since the fee was charged.

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
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax, XXXX, and XXXX are reporting an allegedly negative account from XXXX XXXX. This account appears in error. This account need be deleted immediately. I have no balance outstanding or owed to XXXX XXXX. I have contacted XXXX XXXX directly and initiated a dispute with all XXXX Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had two accounts credit cards through Synchrony Bank. Both started out XXXX and XXXX credit balances. After using and paying off the credit limits were dropped to XXXX and XXXX with the XXXX closing soon after. The second card was recently closed after an automated payment.

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 2020-01-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS MADE AWARE OF A FEW ACCOUNTS ON MY CREDIT REPORT THAT I NEVER OPENED ; I FOUND OUT TODAY XX/XX/2020 WHEN I WAS DENIED FROM LEASING A CAR AT XXXX DUE TO HAVING POOR CREDIT. I WAS CONFUSED WHEN THEY TOLD ME I DIDNT QUALIFY BECAUSE OF MY CREDIT SINCE I HAVE ALWAYS MAINTAINED A GOOD CREDIT REPUTATION. WHEN I LOOKED THROUGH MY REPORT, I IMMEDIATELY NOTICED THAT NONE OF THOSE ACCOUNTS WERE OPENED BY ME. AFTER DOING MORE RESEARCH, I FOUND OUT THAT THESE ACCOUNTS BELONG TO SOMEONE NAMED XXXX XXXX. I DON'T KNOW WHO THAT PERSON IS NOR DID I GIVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS IN MY NAME. I HAVE ALREADY FILED A POLICE REPORT REGARDING THESE UNAUTHORIZED ACCOUNTS. I DID NOT BENEFIT ANYTHING FROM THESE ACCOUNTS NOR DID I EVER MAKE ANY PAYMENTS OR TRANSACTIONS USING ANY OF THOSE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX I contact Equifax through the cfpb.gov online gateway stating that one of my personal emails hosted by XXXX was hacked, contained account and sensitive information and since XX/XX/2016 I had been receiving account threats of bills and accounts opened in my name using my social security number address name. and the I have subsequent hard inquires as well on my XXXX consumer credit report and that I would like all inquires made after XX/XX/XXXX removed as I also initiated a Fraud Alert across all XXXX credit bureaus. However I was informed by Equifax that since the email that was hacked was not the same as the one I used to communicate with the cfpb they were not under under obligation to do anything at all. I find that both untrue and evasive if the material issue was that if my email was hacked then " I '' was compromised and need remediation as a consumer starting with the retainer and furnisher of credit inquiries and records, not misdirection and dismissal of the damages suffered. 

XXXX I personally believe they " rushed through '' the complaint with due consideration due to the impending holiday season. Please do an analysis on this and see if there is a trend to address. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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:
Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. XXXX  and Equifax both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
This concerns EQUIFAX ; I do not have any problems with the XXXX other credit bureaus. To the point, on XX/XX/XXXX, EQUIFAX refused to provide the Free Annual Report ( online ), and then refused to provide my credit report and score, even though I was indicating, as a 'member ' ( online ) that I would pay for it. Almost immediately, I recv 'd a most disturbing email from EQUIFAX ( member benefits section ) indicating that " A change has been made to the e-mail address for your EQUIFAX account. This confirmation message has been sent to the old and new e-mail addresses. '' This is quite the concern for me, since my wife and I have had only XXXX email address since XX/XX/XXXX and have only used that XXXX email address in all of our dealings with the credit bureaus. I then promptly notifed EQUIFAX that I 've only had XXXX email address. EQUIFAX responded to inform me of a " reference number '' for my " email inquiry '' and that they " will respond within the next 2-3 business days. '' So, now it has been eight ( 8 ) business days later and still no response. This same refusal, again unexplained, took place last year when I requested my Free Annual Report. Kindly assist me by contacting EQUIFAX and asking them to respond to me. There is no adequate reason for EQUIFAX to continue to deny me the Free Annual Report and certainly not a report I am willing to pay for. I want to resolve whatever problem exists but EQUIFAX seems not to care about their responsibilities even if I am a paying customer. EQUIFAX needs more regulation and enforcement of laws protecting consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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:
Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. XXXX and XXXX   both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )

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 2022-02-21
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I applied for and I was approved a {$9200.00} unsecured loan from One Main Financial. I was told by XXXX to provide my most recent paystub. I provided that, only to have the branch manager XXXX intervene and question the validity of my paystub. He then requested a W-2, might I add in a brash and rude way. I requested my application be transferred to their central processing center. 

One there, I worked with someone there who stated to submit another stub, which I did and that I had until the end of XXXX to do so. He stated that a W-2 may help. I explained that I W-2 myself as I own my company and another company owner used the EXACT same stub a week prior and it was accepted. I told him that due to my XXXX  name and race, I was being discriminated against. He assured me that the company has fair lending practices. 

Upon receiving my W-2s, I finally went to upload them. Only for the system to say declined without considering what they requested. I called on XX/XX/XXXX and was told my application timed out. I then submitted another application on XX/XX/XXXX to be denied all together and offered a secured loan using my vehicle. I was on hold a very long time and due to the circumstances my original application was reopened and the {$9200.00} was back on the table. I submitted my most recent documents and waited. Today XX/XX/XXXX I received a call stating that it was just " agreed '' no. I literally have no late payments on my report and now it's bruised with all these One Main Financial inquires. 

I was lied to, my original application did not get reopened nor did they even call my employer or anything. This is unfair and they still keep sending me offers. The Equal Credit Opportunity Act was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Credit determination

Complaint:
Explanation of complaint : I want to file a case of discrimination against dicover card. 
I made an application to Discover card. but was decline, the reason was " no credit record available. " how can you prove you are worthy of credit when they decline an application on first time. 
thanks a lot, mtan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$560.00} XXXX  XXXX {$3600.00} XXXX XXXX {$810.00} XXXX  XXXX {$3100.00} XXXX XXXX XXXX {$810.00}

Company response to consumer: Closed with explanation