BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: Nelnet, Inc.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan servicer Nelnet has continued to Stonewall me and refuses to work with me when I call and ask them to lower the amount of capitalized interest on my account and does not tell me the amount of capitalized interest it would have been if and why they did not put me on a income based repayment plan the whole time. They have taken advantage of me including after I called when I accidently defaulted as I was still XXXX XXXX XXXX from a XXXX XXXX XXXX that almost resulted in XXXX. Instead they steered me astray and capitalized my interest 7 times in that same year, this information I retained from the national student loan database. They have capitalized my interest 17 times  on one of my unsubsidised consolidated direct loans. This in less than 7 years?? It is not right to do this. When I call they never send me paperwork or email documents that supports my question on how much would have the difference been if I was on the i.b.r. even the most recent time I sent my recertification paperwork for my loans for my i.b.r. payment plan a month early and called them to insure I would not have my loan status changed and they told me it would not. When I called again and talked to a supervisor I was informed they indeed " did not receive my documents on time '' and they once again manged to change my loan status on XX/XX/XXXXand changed it the next day on XX/XX/XXXX once again capitalized more interest. It 's criminal what they are doing to people and I have filed a complaint with the federal student aid ombudsman and the federal student aid feedback center but am awaiting results from the federal student aid feedback center before the ombudsman can move forward. I feel taken advantage of when I call these people and tell them I 'm homeless, have no job, am struggling fininacially or have serious medical issues and they failed to make my life easier, but instead train their employees to shaft customers instead of putting me on a i.b.r.. why  do they continue to make billions of dollars capitalizing as much interest as they can from struggling American citizens. I know that I 'm not the only one getting g taken advantage of and somebody needs to let these crooks know this is not okay. My case number for the federal student aid ombudsman is XXXX and my case number for the federal student aid feedback center is XXXX. Feel free to contact them as you have my permission. Please help me I 'm buried in debt and do not want to be financially XXXX by a shady company such as Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chex Systems Inc. ( ChexSystems ), a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ), pursuant to 15 U.S. Code 1681a ( p ) and 15 U.S. Code 1681a ( x ), is reporting information about me without my consent. I did not authorize, consent, nor benefit from the information they report about me. Chex Systems Inc. violated my federally protected consumer rights. Pursuant to the FCRA, Chex Systems Inc. is not to report information about consumers unless Chex Systems Inc. has permissible purpose. Pursuant to 15 U.S. Code1681 Congress require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. No information that Chex Systems Inc. reported about me benefit me, I authorize, met the needs of commerce, fair and equitable to me with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. 

Chex Systems is on notice for its wrongdoing. Attached with this complaint are a Notice to Cease & Desist, consumer report listing several FCRA violations, along with additional documents.

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 2022-04-29
Company: CBC Companies, 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:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXXXXXX and/or XXXX ) credit report XXXX My latest credit report shows XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: PA
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:
CLAIMS OF COLLECTION MUST BE WITH PHYSICALLY PROVEN CONTRACT, TRUE, ACCURATE, COMPLETE AND COMPLIANT SO DELETE OR CERTIFICATE EVERY NOTE, DATE, BALANCE, AUDIT, IDENTITIES, SOURCE CODES, P6 STMNT OR PIECE OF CONFIRMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When moving out of my apartment, I received the attached move out form showing nothing was owed. The collection in discussion was filed mistakenly for breaking my lease early which I did not. Also attached is a handwritten letter from the property manager stating this was their mistake as well. I have been waiting for weeks now trying to get a more formal letter so that this can be corrected but they are no longer taking my calls.

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 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX. 2014 there was several accounts started in my name without my consent. one was with XXXX XXXX {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX XXXX XXXX {$11000.00}

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 explanation
Consumer complaint received 2021-12-05
Company: BARCLAYS BANK DELAWARE
State: MD
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 negative account on my credit profile are fraudulent and i submitted the social security as proof.

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 2019-07-16
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
CashApp is the company that I am having a problem with I purchase a purchase using CashApp on XX/XX/2019. CashApp was refunded the money according to seller Sometimes the beginning of XX/XX/2019. I sent purse back to seller through mail on XX/XX/2019, seller confirmed receiving purse. I have text messages to prove that seller return the money and received purse. I have contacted CashApp via email many times on XX/XX/XXXX,XX/XX/XXXX,XX/XX/2019 and XX/XX/2019 and I have had no reply. I would like them to return my money of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying, for the last one and half years with no success, to remove the private mortgage insurance ( PMI ) which I qualify under federal, state and investor requirements. 

When we last spoke to the mortgage company we were told, since an appraisal fee of {$150.00} was not paid on time, the request has been canceled. But we were never notified to pay that amount to begin with despite their claim a voice mail message was left in regards to that. 

Also a late fee was assessed on XX/XX/2018. I was hospitalized over 3 weeks for XXXX XXXX ( aka XXXX ) during that time and was unable to pay monthly mortgage on time. I provided documentation to that effect and requested that the late fee be removed numerous times, to no avail. This is despite I had paid my payment on time every month on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Phoenix Financial Services LLC
State: TX
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:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : 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 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?

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 2022-04-29
Company: Credit Technologies, 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:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows Credit Technologies Inc. credit inquiry/inquiries that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agency TransUnion by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2022-08-13
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Attempting to close Paypal account. Told one of the reasons it couldn't be closed was a " credit '' on the account. Credit was not requested by me nor accepted [ account showed button to " accept '' it which I did not ]. I specifically told Paypal to get rid of the credit and that it was NOT allowed to donate it- Paypal is not gong to create a tax break for itself through whatever game this is. When I logged in the next day it was shown as donated.Paypal does not get to manage MY account as it chooses, in direct defiance of my management. Paypal refuses to do anything to fix this other than put the credit back on my account which then means I can't close the account because there is no other way to get rid of it because I won't link my bank account for it to be transferred because I'm closing my account because I don't want Paypal to have any of my information and Paypal refuses to apply it to the Paypal credit balance which should have had its own credit but they XXXX  me on that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm able to view my credit score for months with TXXXX   and XXXX, but my FICO score for Experian has remained unavailable. I've reached out to the company via phone and email but have gotten no response.

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 2017-10-24
Company: EQUIFAX, INC.
State: PA
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 have a Charge-off on my credit reports reported by the XXXX credit bureaus ( Equifax, XXXX, and XXXX XXXX being reported by XXXX ( XXXX XXXX ). This debt was a joint account with my ex-wife. We were separated in XXXX and divorced in XXXX. This debt was sold to a Collection Agency, XXXX XXXX, and XXXX XXXX has removed it from my credit report on their end. I have asked XXXX XXXX XXXX XXXX XXXX as a XXXX gesture to remove their reporting from my XXXX credit reports on their end as well. I received a letter from them stating that my request was denied and that XXXX XXXX XXXX XXXX XXXX will not remove the derogatory remark from my XXXX credit reports, and that they will keep reporting it. This account was opened in XXXX, and was charged-off in XXXX. I am asking them for their consideration in removing this derogatory item from my XXXX credit reports from each of the XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC actively refuses to connect with XXXX, citing security issues, but is simply not true. There are articles on their refusal to work with XXXX in favor of their own competing service. Competing service is fine, but their reasoning does not hold, so they're covering up under a " sounds nice '' excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 need that XXXX Bank make the necessary adjustments. They removed the negative mark that appears in my credits teports in the month of XXXX for the month of XXXX and included it again in the month of XXXX. They even include an false observation in the report that reads : natural disaster. The problem of this delay was fault of the bank and the XXXX application according the bank informed me. This application was programmed to debit {$150.00} fortnightly and due to a problem that the application had, it only debited {$1.00}. The bank informed me not use that application due to problems I had and they recommended that I switch to " my payments '' app, which I did immediately. This is not allowed by the fair credit law. I have spoken with more than XXXX representatives and they have agreed to resolve the matter and have not done anything. 
Even, I have never received a card statement, this other issues were left to be resolved and they have not done anything. 
This matter has caused me irreparable damage. They have even disabled my account due to an address problem and I have already sent you the required documents twice. They unlocked my card on one occasion and then re-locked it. 
I send him everything I have done in the past emails and I include again my identifications with the electricity bill and the credit report. I demand that they fulfill their responsibility since the damage caused is irreparable. 


I await the call that XXXX XXXX agreed to give me. 


XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021

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 2017-07-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX on a few occasion about inquiries made on my account. I did not authorization any of these inquires list below. My first communication with you office was on XX/XX/XXXX via letter, and my second letter to your office was on XX/XX/XXXX. <P/>1 ) XXXX XX/XX/XXXX7 2 ) XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX I have reached out to all the above companies as well letting them know I have not authorize any of these inquiries and these are fraud. I have file a police report as requested by XXXX and these companies. This is false reporting on your behalf and I am preparing to file a small claims lawsuit against your company due to the FCRA section 61. <P/>I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No.  XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking : {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues

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