BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In late XXXX, I received XXXX statements from NelNet ( XX/XX/XXXX - Amount Due : {$140.00} ; XX/XX/XXXX - Amount Due : {$0.00} ; XX/XX/XXXX - Amount Due : {$210.00} ). See attached statements. 

On my NelNet account, I have autopay set up with XXXX Bank ( see autopayment attachment ). On XX/XX/XXXX, I was charged {$140.00} to my XXXX account which mirrors the amount due in XXXX dated XX/XX/XXXX. 

Today ( XX/XX/XXXX ) when looking at my Chase account, I see XXXX pending transactions from NelNet ( {$370.00} and {$880.00} ) with a note from XXXX that I have overdrafted my bank account because I did not have enough money to cover those payments. I quickly transferred {$300.00} to myself to avoid overdraft fees from XXXX. You can see that without the {$300.00} immediate transfer today, I would be overdrafted as my account balance is under {$300.00} ( see XXXX attachment for account activity from today ). 

When I login to my NelNet account, I see {$210.00} is past due ( see attachment ) even though 1 ) I have auto-pay set up so I should not be past due and 2 ) NelNet has overdrafted my account to cover the payments with amounts that do not match the amount of money I was quoted in the statements. 

This should not be happening and points to a systemic issue with how NelNet is handling payments. At a minimum, I expect to know how much I owe each month via a statement AND to be charged the amount actually listed in the statement so that I can avoid overdrafts going forward. I also expect auto-pay to cover the amount due so that I am not past due on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never received my statements, which is a Regulation Z violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRUSTMARK CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My initial complaint number is XXXX. I wanted to get help with issues related to missing money from my checking account. The bank claimed that the financial tool that I used from their app was only supposed to be used for informational purposes only. However, the same financial tools can be used for helping with budgeting and managing finances. I used the tool for managing my finances for my checking account and discovered that my account was missing money. The tool indicated that there was more income than income for the checking account than spending. The difference as of today according to the financial tool is a bit over XXXX dollars. I have proof of the spending and income according to the financial tool and proof of unknown transactions from the app. The photographs should show enough proof because of the date of the unknown transactions from this morning. The unknown transactions are for amounts of {$22.00} and {$160.00} today XX/XX/2023. The photos should be attached to this message or uploaded with my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I discovered that my account had been debited, without my authorization, to pay my HELOC payment- in XX/XX/XXXX and XX/XX/XXXX. Truist debited my accout for {$1800.00} in each month. As a result, I have incurred overdraft fees in the amount of {$110.00} and am currently unable to feed my XXXX children and purchase gas required to go to work. 

In XX/XX/XXXX, I canceled recurring payments because I am experiencing a hardship. However, Truist continues to debit my checking account ending in XXXX, without my authorization. As a result, my checking account has gone into default causing an inconvenience, which includes the inability to use my check card to purchase needed items such as food, gas, water, and other living expenses for my XXXX children. Due to my hardship, I am currently working with Truist mortgage servicing division ( in which I canceled recurring mortgage payments and this request was honored by Truist ). Not sure why they wouldn't honor my cancelation request for the Truist HELOC. 

Due to the hardship, I need the funds that were debited in XXXX and XXXX to feed my children and ensure I have gas money to go to work. I spoke with a representative on Friday, XX/XX/XXXX and they assured me that Truist would refund the debited funds, within two business days, since I am in need of them to ensure my children are able to eat. Since the funds were not refunded, as promised, I spoke with a Supervisor tonight, XX/XX/XXXX and she indicated that Truist will not refund the debited funds from XXXX and XXXX. 

This is the second time Truist has done this to me during a time of hardship. The last time Truist debited my account, without my authorization was in XXXX. Please, see my previous complaint. 

I would like to ask if you could please assist me with receiving the unauthorized debited funds back from Truist. This practice is very deceptive, abusive, financialy cripling, and demoralizing.

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 monetary relief
Consumer complaint received 2022-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To whom it may concern : I am filing this complaint in regards to Capital One unethically closing two of my credit card accounts ending in XXXX and XXXX without any proper form of notification ; I have not gone over the balance/credit card limit and made routine credit card payments on time via enrolling in auto-pay per both accounts. 
Capital One was unable to provide me with a valid reason of why my credit cards were abruptly closed. 

Furthermore, Capital One closed my Capital One Business Spark Card ending in XXXX, the only credit card I have associated with my business, XXXX XXXX XXXX. Additionally, this violates federal regulations, as a business card should not be associated at all with personal credit card due to the fact a XXXX XXXX XXXX is legally a separate entity. 

I seldom use either of the mentioned cards. I did not realize my credit cards had been closed without proper notice or consent until I tried to purchase a toy for my daughter in a Walmart, and the card kept getting declined. I then called Capital One to resolve the issue in which the customer representative I spoke with informed my accounts had been closed 3 weeks prior in which I never received any form, including mail, of communication or an explanation and was rudely hung up on. 

The closure of both of my credit cards at the same time has detrimentally affected my business credit and affected my ability to obtain new personal and business credit. 
Furthermore, Capital One charged me a late payment fee on my credit card ending in XXXX for {$25.00} after the account was closed, unbeknownst to me, in which my auto pay had been deactivated without my consent or knowledge. 

I feel Capital One has unethically affected my ability to obtain new credit and has negatively impacted the operation of XXXX XXXX XXXX as a valid reason was unable to be provided as to why the accounts were closed and does not recognize under federal regulations that an LLC  entity is separate from personal matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 years.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: National Credit Adjusters, LLC
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:
NCA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. I'm now opting out any and all authorizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802.

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 2022-07-31
Company: JPMORGAN CHASE & CO.
State: NY
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:
These inquiries were NOT authorized. 

JPMCB CARD Date of Inquiry : XXXX XXXX, XXXX JPMCB CARD Date of Inquiry : XX/XX/XXXX JPMCB CARD Date of Inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After being a model customer for more than 10 years - never missed a payment, they are shutting off my card due to a internal policy that they will not produce any documentation to prove exists. 
I had to change the name of my company, but there was no other change to the entity at all. The ownership, EIN, address, etc. all remained the exact same. They mailed a notice to the WRONG address to ask for account information updates. By the time I received the communication, I only had 4 business days left to get the name changed in their system before they were shutting down the card for this technicality. So I began the process to have the name changed, which after being given bad and conflicting advice from 2 different Bank of America departments, I was still willing to go through their process to change the name. Only to be told a day later by another department that it doesn't matter, there is no way to change the name on the account and keep it open, it will be closed. SO they would be closing the 10+ year account, that has NO problems on it, in 2 business days. Which is putting a hardship on my company. I requested documentation on this policy and was told by XXXX of Bank of America that they do not provide anything in writing, they only provide verbal communication. 
I believe they have lender liability issues in the manner they conducted themselves with this manner for he following reasons : 1. they will not produce documentation proving a policy exists for closing this account for this reason. 
2. they did not give proper notice or provide ample time to remedy the issue. They mailed their notice to the WRONG address. 
XXXX they gave the borrower wrong and conflicting advice through the interaction I took good notes and was informed all the phone conversations I had were recorded, so there should be ample evidence to prove my statements above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I requested a pdf copy of my fully executed note, deed, and final closing disclosure. XXXX and Mr. Cooper refused to provide the information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: LendKey Technologies, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, LendkeyXXXX XXXX XXXX XXXX is not adhering to the protection order for credit reporting under the statute below, SEC4021 Credit Protection During Covid-19. I filed several complaints with CFPB about my forbearance request when I was laid off during the pandemic. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the XXXX - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act _XXXX XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 2022-12-06
Company: FORD MOTOR CREDIT CO.
State: FL
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 a loan with Lincoln Financial services. In a divorce, I had to return the vehicle voluntarily before it was past due. I returned the vehicle to the dealer which then had it processed and sold with a negative balance of approximately XXXX withstanding after auction. Lincoln then threatened to sue so I settled the account for every penny I had, Approximately XXXX. The settlement was accepted as paid in full. The voluntary repossession took place in XXXX. 

Still today, this account shows on my credit report as seriously delinquent. It is the ONLY negative item on my credit. After hiring repair services and contacting Lincoln directly by mail, they continue to update this account as a " fresh '' account and as being delinquent on all three of my credit reports. The status on my credit report states " in collections '' even though this loan was satisfied over XXXX  years ago. 

I wrote Lincoln Financial services and told them the whole story of how the divorce was unfortunate and the extent I went to make them whole, I also pointed out they are unfairly damaging my credit with zero gain for them and asked they stop trying to damage my finances. Their reply was kind of cold, saying basically not their problem even though it is THEM who keep reviving the credit history to a reporting status that is not true. The reports on this account make no sense at all and just this month while applying for a mortgage, I lost XXXX  points on my XXXX and XXXX points on XXXX due to comment changes on this account, when no change has occurred and this account has been paid for over 6 years with no new activity. 

I don't know why they have such intent or contempt for me, but I have had over XXXX  auto loans and this is the only load I ever defaulted on, and it was simply beyond my control based on life circumstances. I requested the loan be stricken from my file, as its over 7 years old and does not reflect the person I am, but that aside ... ..Its simply not accurate and the constant updates on its status are malicious at this point. 

I hope you can help me finally restore my credit standing as I have paid dearly for over 8 years with high rates which have certainly ensured I paid for my mistakes. I have been adequately punished for this, and I believe it needs to stop harming me intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing this complaint to EXPERIAN for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and 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 2022-08-23
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
IT HAS COME TO MY ATTENTION : I WAS NOT CURRENT ON A MORTGAGE PAYMENT DATED XX/XX/2020 AND MY FORBEARANCE STARTED ON XX/XX/2020 AND ENDED ON XX/XX/2020. BUT DOCUMENTS # 2 & 3 SAID I WAS, THIS TAKES ME FAR APART FROM GETTING THE HELP I NEED. AND THE SPACE IN THE ESCROW TAXES AND INSURANCE, THAT IS FOR PROPERTY TAXES AND WHAT KIND OF INSURANCE SHOULD I BE PAYING? MY PROPERTY TAXES IS WELL COVERED AM I PAYING PMI? IF I PAID $ 400 MONTHLY FOR A YEAR THE PROPERTY TAX PAID WILL BE {$4800.00}. WHERE IS THE OTHER {$250.00} GOING TO? THE VA LOAN IS 100 % GUARANTEED BY THE VA NO PMI IS REQUIRED. EVEN BY A BANK. I MADE A ONE-TIME PAYMENT AT CLOSING INTO THE VA FUNDING XXXX DOCUMENT # 1

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.

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