BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Last Year, this company Called " XXXX '' knew all of my student loan information. Told me i was approved for a student forgiveness plan. Once i went through with it i paid 6 months of {$250.00}, just for a year later all of it just to come right back onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting a negative payment history in XXXX XXXX for a XXXX account that was settled in XXXX XXXX ; although the balance is correctly being reporting as XXXX and the payment status for the account is correctly reporting as " Settled, '' the erroneous reporting of a recent negative payment history has a severe impact on my credit. Since the account was legally settled in XXXX XXXX and XXXX legally accepted the settlement as payment in full, the reporting of negative payment history in XXXX XXXX falsely represents the true status of the account ; XXXX and XXXX are correctly reporting an " OK '' payment status for this same time period. Because XXXX and XXXX are reporting this correctly, I have to assume that the erroneous reporting is the fault of Experian and not XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I tried to enter into an income driven repayment plan XXXX separate times and both times Nelnet managed the applications inappropriately. The first time an application was filed on studentloans.gov on XXXX XXXX, 2016. This was a joint IDR application with my husband. Nelnet later claimed they could n't see the application when they were contacted on XXXX XXXX, 2016. During the call on XXXX XXXX, 2016 the collector never mentioned the possibility of an administrative forbearance on the accounts so that they would n't be reported to the credit bureaus.A paper copy of the application was sent to them through the mail on approximately XXXX XXXX, 2016. 
They also claimed they never received that application when they were contacted on XXXX XXXX, 2016. Only after checking my credit report on XXXX XXXX, 2016 and seeing they had reported me as being over 90 days late on my loan payments did I realize they had n't processed the IDR application. When they were contacted on XXXX XXXX, 2016 a collector named XXXX stated that they had never processed the application. He said that if the application was resent it could take them 3-4 weeks to process it through their processing center. When a supervisor ( XXXX ) was spoken to he claimed that they attempted to call me on XXXX XXXX, 2016 but the number came back as disconnected or incorrect so it was removed from the account. The number they tried had just been added onto the account on XXXX XXXX, 2016 when the initial call to Nelnet was made. They claimed it was n't their fault since they had n't been given current information even though they had received that number only 2 days prior to the call. XXXX also claimed that mail had been sent to the address on file sometime in early XXXX and it was returned to them. The address they sent the mail to was valid at the time they sent it and continues to be valid today. 
After removing the good phone number and address from the account XXXX states they then performed a skip trace that provided them with incorrect information for the account. 
XXXX and XXXX both stated that they first reported the accounts to the credit bureaus on XXXX XXXX, 2016. This means if they had actually made contact using the valid information they had been provided this situation would have been able to be remedied at some time before the negative credit reporting. The decrease in XXXX score related to this situation was XXXX points. I have done my due diligence to use the programs that were created to assist those needing help paying student loan debt. Had Nelnet acted more appropriately they would have been able to avoid this entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NC
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 been submitting multiple with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Credit Bureau ' send. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
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: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Reference number XXXX THE INFORMATION ON THE COURT WEBSITE DOES NOT MATCH THE CREDIT REPORTING AGENCY DETAILS XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file is listed on my credit report. 
XXXX XXXXXXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2016-12-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I was involved a severe accident on XX/XX/XXXX. I promptly contacted my insurance provider, XXXX, to notify them and begin the claims process. To my disbelief, I was informed that NONE of the damages to my vehicle would be covered - but that XXXX would provide coverage for my medical bills and the other involved parties expenses. While I am relieved to receive partial coverage - I am absolutely frantic that there was a discrepancy within XXXX that has allegedly disqualified my vehicle from the " full coverage '' that I and my lienholder ( Santandar USA ) believed to be in place. According to the XXXX representative that I spoke with, an inspection was required to retain Comp & Collison coverage, which was removed on XX/XX/2015 - a month after starting my policy with them. The XXXX representative stated a certified letter was mailed to notify of the change in coverage. However, she could not produce a copy of the letter for my records after requesting one. The representative also stated a letter was mailed to Santadar, however a copy of that letter could not be reproduced either. Santandar has no record of receiving a letter. 

me which I never received and also to my lender who also claims they never received this letter which claimed I was required to bring my car by and have it inspected for current damages. The number of time I have called to make payments or to get a quote on adding someone to my policy I was never informed that this crucial part of my " full coverage '' insurance was missing from my policy. Today my car sits in a junk yard because XXXX has also refused to at least for the inconvenience of the mess I am in to send out and adjuster to at least appraise the car for said damages so that I can file my my claim for gap insurance through my lender which is. So as it stands I now am responsible for XXXX with an open car loan and no means of transportation to get to the 3 jobs I work in order to pay my bills. I also can not get financed for another car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: First Data Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was issued a XXXX XXXX card from my employer. I have the application on my phone to keep track of my funds. On XX/XX/2018 I checked the app and noticed a substantial amount of money was missing from my account ( {$2100.00} ) .My card was never lost or stolen so I was confused. I immediately called the bank and was told I would receive a dispute form and new card within 5 business days. New card came and dispute form never came. After my 3rd attempt calling, I was giving an email address to send my dispute to. I emailed it on XX/XX/2018. Dispute form came in the mail after I sent my email. Dispute form says my card was lost and not in my possession. That is inaccurate, my card was never lost and remained in my possession. Between XX/XX/XXXX and XX/XX/XXXX someone was constantly checking my account several times accumulating {$42.00} just in ATM fees and withdrawing increments of {$300.00} seven times late night at an ATM. I called XXXX XXXX several times during the investigation and was giving no useful information about my account. On XX/XX/XXXX I received a letter denying my claim due to conflicting information given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing has charged me late fees for my payments from XXXX of 2022 through XXXX of 2022. 
1. Fay states cashing my cheque that was mailed on XX/XX/XXXX on XX/XX/XXXX. My bank shows the cheque was cashed on XX/XX/XXXX. 
2. Fay states cashing my cheque that was mailed on XX/XX/XXXX on XX/XX/XXXX. My bank shows my cheque was cashed on XX/XX/XXXX. 
3. Fay states cashing my cheque that was mailed on XX/XX/XXXX on XX/XX/XXXX. My bank shows my cheque was cashed on XX/XX/XXXX. 
4. Fay states receiving my ACH payment for XXXX on XX/XX/2022. My bank shows my ACH payment was taken from my account on XX/XX/XXXX. 

Fay needs to look at when my payments were dropped in the mail, which is stamped on the envelope, and correct the dates that my payments are being applied. 

I shohuld not be charged late fees for payments that arrived on time or for payments that I mailed in a timely manner. 

I have attached my bank account statements for these 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The maturity date on my auto loan with Santander Consumer USA is XX/XX/2015, however, they state my current balance is XXXX.  Since my payments are only $XXXX a month, I called to ask why my balance is so high and how this is going to be paid off in three months.  They advised that since I was late on my payments that interest has accrued and I still owe them this amount.  I have made a total of XXXX payments, so they have received $XXXX for this vehicle.  They state this is in my contract which I reviewed and could not locate this information.  With the additional amount owed, they will receive over $25000.00 for a vehicle that was originally sold for less than $13000.00.  I do not believe that I should have to pay this additional cost.  They did not add the interest to my payment history, they just applied my payments to interest and did not reduce the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I contacted the company XXXX on XXXX. I never authorized them to pull my credit. They did so anyway. They would not remove the inquiry. They wanted me to do a police report saying I was a victim of fraud when they did this to begin with. My credit monitoring service experian had to open a fraud claim on my behalf. I am filing this report as well as the ftc to cover all my angles.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Sterling Infosystems Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Sterling conducted a pre-employment check, and pulled information that is inaccurate and outdated. I was associated with a state that I have never lived, visited, nor want to. This was a County Court Search ( Validator ) using my previous last name from over 25 years ago. 

There is also a last name used that was NEVER my legal last name nor one I have ever used. So I can't see how the information was validated. 

The Company also did a XXXX County Court Search using names that weren't mine and did searches in places I have no prior history living in. Some adverse information within this XXXX yr Search collected information that was XXXX old and is being used to disqualify me from employment.

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 2015-12-16
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I opened a CD with Apple Bank two years ago. 
The CD was set to mature on XXXX/XXXX/15. I did not receive any notice in the mail as would be expected. I went to the bank today to close out the CD and they told me it was too late, it was locked in again. They said it locked in after 5 days and did not care that no notice was issued prior. 
They wanted to force me to renew for another year and charged a high penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Rewards

Complaint:
I have been a Chase XXXX preferred customer since XXXX. In the middle of XXXX, XXXX I became aware of the new Chase XXXX reserve card. I simultaneously closed my XXXX preferred card account and opened my XXXX reserve card account. At the time I believed that my accumulated points, worth close to {$2000.00}, would be rolled-over from XXXX account to the next. 

Recently ( XXXX/XXXX/XXXX ) I received a notification that this is not the case and I will lose the XXXX {$2000.00} in cash value. I find this extremely disturbing because : 1 ) it seemed intuitively obvious that I would want the points rolled over and 2 ) I was not informed of the non-rollover policy at the time of closing XXXX account and opening another. If that was the case I would have certainly requested the payment in cash. 

I request your assistance in having Chase rollover the point value from my old account to my new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: WI
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 ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} WI XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX rewards card transferred to Capital One. Have not received new card or account number not able to pay account balance under old login and not able to pay on new account without knowing account/card number. Have been called repeatedly, XXXX times per day, and outside of normal business hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX XXXX I went to XXXX XXXX at their XXXX campus and signed up for a computer programming course. XXXX assured me that I would be able to secure a better paying job and there was a job placement guarantee upon completion of their program. I was at the time a XXXX XXXX XXXX XXXX. I started to attend classes at the XXXX ' XXXX campus and over heard the instructor state that he was n't being paid and he wanted to leave. The XXXX campus soon was closed. Soon thereafter I was sent to several different campuses to take classes. I felt as if I had no choice because I had already paid the tuition. There were no tests, no quizzes, the quality of instructors was poor and some of the classes were shortened in duration. There were not enough hours provided. I was unable to graduate from any single institution. There was no central school administrative office responsible for issuing a transcript, certificate or diploma. I never received instructions as to where to apply for jobs or if my class time would be honored by any future employer because there was no one to verify my attendance at XXXX XXXX. My student loan was acquired by XXXX XXXX XXXX. I could not afford the payments and applied for a forbearance in XXXX. In XXXX XXXX I was sued in Civil Court by XXXX XXXX XXXX XXXX XXXX. That law suit is still pending and the materials that I attached to this complaint were provided to me as part of the discovery in that civil law suit I was neveer provided copies at the time of application. I was never able to obtain computer programming skills or secure employment as promised. I could n't even prove I attended any school whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
Citi Bank, the issuer of my XXXX credit card, put me on an automatic draft that I did not know about. I made payments not knowing which then took double payments out of my account. I was promised that the money would be put back into my checking account today XXXX/XXXX/16 and the money is not there. I have been given the run around all day about who can and can not help me with this issue and was treated quiet rudely by XXXX separate employees, including XXXX XXXX XXXX in TN.

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