BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Several times I have filed complaints with Equifax , referencing public records Judgement XXXX and XXXX, just now I filed another complaint, Equifax conf # XXXX, XXXX settled with attourney prior to court appearance, if paid per agreement this would be removed, this was paid in full a while ago, this is over 4 years ago. 
The next judgement XXXX, was a result of medical debt paid and also over 4 years old. 
Equifax is also reporting a credit inquiry from XXXX XXXX, from XXXX of this year, please note attached sheet where on XXXX/XXXX/15 XXXX XXXX said this inquiry was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EQUIFAX , after investigation is incompetently reporting inaccurate information on XXXX XXXX ACCOUNT XXXX XXXXEquifax verified false and damaging information, contrary to THE FCRA, ACCORDING TO THE ATTACHED REPORT. 
IT IS OBVIOUS, ON THE FACE OF THE RECORD THAT AN ACCOUNT CAN NOT HAVE A CURRENT STATUS OF 120 DAYS LATE, IN ADDITION COMMENTS THAT IT IS 180 DAYS LATE WHILE AT THE SAME TIME REPORTING A PAYMENT OF {$3800.00} PAID IN XXXX OF 2011 AND THAT THAT ACCOUNT WAS PAID AND CLOSED BY MAKING THAT PAYMENT OVER 5 YEARS AGO. 
THE STATUS OF THE ACCOUNT IS PAID.DUE TO THE INTENTIONAL FABRICATION OF FURNISHER AND BUREAU AND THE FACT THAT I HAVE ALREADY ENDURED AN INVESTIGATION THIS ACCOUNT MUST BE DELETED ACCORDING TO FCRA. 
THE FACT THAT IT IS A PAID STUDENT LOAN SHOULD HELP IN THE COURTROOM TO OBTAIN DAMAGES FROM BOTH EQUIFAX AND THE FURNISHER ( A GOVT.PROGRAM LOAN ADMINISTERED BY PRIVATE BANKING. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
My husband was unemployed for two and a half years. I was unable to pay credit card bills at the time. Paying mortgage and providing food for my family was the priority. I offered to make payment arrangements but, what they were requesting was in excess of {$200.00} per month which I explained was n't affordable as I was the only one working in a household of XXXX people. This company sought legal action, put a lien on my house and froze my bank account. They debited amounts of a little over XXXX and XXXX XXXX dollars on two occasions and put a freeze on the same amount twice. I had to go to the bank on several occasions and take time off of work to resolve this error over the course of more than one week. The funds they debited were my mortgage funds which put me further in arrears and caused me extreme financial hardship. I contacted them regarding a settlement on a few occasions and they refuse stating since they have a lien on my house so they do n't have to make a settlement arrangement. They are also unwilling to set up a reasonable payment arrangement. I am going to be out of work soon as my company lost their contract and I explained this to them. They are unrelenting and uncooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Originally called Nelnet on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during XXXX on XX/XX/2022. 

The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then.

Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. 

The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. 

The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted. 

Just over a month from my initial complaint filed with cfpb and unfortunately nothing has changed. 

Called XX/XX/2022 and again was told all of my paperwork is accurate, but they dont know why it is taking so long. 

Called on XX/XX/2022 and the customer service agent was able to confirm again that all my paperwork was filled, but my application has not been processed any further. At this time, she stated that my loan would go from the initial 4-6 weeks to 12-15 weeks.

Feel as if I am just receiving the run around from Nelnet, always receiving varying answers with each separate call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
I am respectfully requesting that Ally Banks processes be verified in regards to discriminating against lawful residents that are not U.S Citizens. I have experience discrimination in several degrees throughout the process of applying for accounts and a credit card with Ally Bank. I have never experiences any issue with other banks as my credit report portrays me as a reliable borrower, however, Ally Bank requested verification documents to prove my identity. After I sent my non-american passport along with documents proving that I am a U.S resident and bank account statements, Ally Bank still rejected my application. Every time I have reached out to have the situation analyzed, they have simply submitted my application for reconsideration without any updates or changes to their decision. I have been made very upset when agents would state that Ally Bank is an agency for U.S citizens alone as a I know that should not be the case. 

If you have any information that may be helpful to me, I would appreciate it very much. 


XXXX, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX of XXXX, no one at SLS 's Customer Care XXXX number will speak with me regarding my account ( see attached examples ). I demand to speak with someone IMMEDIATLEY to review all the misc charges posted to my account in XXXX and XXXX and to review my account payment history line item by line item. According to my records, I show a positive in my escrow account up and through XXXX/XXXX/XXXX. SLS shows a negative. Until I can speak with someone at SLS and review everything since XXXX XXXX, I will NOT pay anything in addition to the {$1300.00} I 'm currenlty paying. SLS has refuses to be transparent and my account is being mismanaged. Per my discussions with XXXX XXXX, SLS has the ability to remove my Escrow Account but refuses to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an ad on XXXX to sell an RV. I received a call from XXXX at XXXX for advertising services that I told him I didnt need as I already had a potential buyer. He stated that it wasnt sold yet and their services would help sell the RV. I was told they would make a video of the RV. What they did was a slide show - not what was promised. I was also told that I could get a refund because of the seller I had if the sale went through. The sale went through and I called to cancel. I was referred to their email address so I requested the refund to the address. The refund was refused even though XXXX assured me it was OK. I wouldnt have paid if I knew they were a dishonest company. I disputed the charge and they fought it and I have had to reopen it several times. The charge I authorized ( under false promises ) was on XX/XX/XXXX, on XX/XX/XXXX another unauthorized and fraudulent charge was made to the card by XXXX RV using the XX/XX/XXXX authorization. The second charge was never authorized, is fraudulent, and is also in dispute. 

Additionally, I responded to a phone call on XX/XX/XXXX and cancelled the transaction on XX/XX/XXXX. In accordance with Colorado Law, I was within my rights to cancel based on a three day right of recission written into the Law. Weekend days do not count as part of the three day period so the timeframe is XX/XX/XXXX ( Wednesday ), XX/XX/XXXX is day one, XX/XX/XXXX is day two and XX/XX/XXXX is day three since XXXX was a weekend- non business days. 

The first charge should be reversed as I cancelled the transaction and the second charge is fraud. Citi has not resolved the issue and is not following proper consumer protection protocols.

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 2022-11-09
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
On XX/XX/2022 I submitted a request over the telephone to get a refund on my payments made during Covid. I was told the total amount I would get and it would take six weeks for a refund. 

On XX/XX/2022 I called backend and they said it was still in processing and it would take 10-12 weeks from the request. 

On XX/XX/2022 I called back and they said it hasnt been processed and that I need to continue to wait and that it will be another 8 weeks from the the time it was approved. They can not say why it hasnt been process or when it would be processed even though I requested back on XX/XX/XXXX. 

Doing research it appears there have been plenty of people to get their refund who have applied on or after XX/XX/XXXX through the same servicer. 

This servicer is acting in a deceptive manner. We have given them ample time to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: LEXISNEXIS
State: CO
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 received a letter from LexisNexis Risk Solutions, dated XXXX, about my credit report. The letter stated " [ 1 ] report ( s ) of negative information added to your file. '' I was shocked and concerned because my credit is very good. However, I know identity theft can and does occur. 

I called them to ask about this and spoke with a woman called XXXX. She wanted me to verify my identity in order to provide a report detailing this negative information. So after asking as many questions as I could to verify who they were and what this information was, " XXXX '' told me that XXXX made " eight hard inquiries '' from XXXX to open new credit. I provided my name, address, birthdate, SSN, etc. to verify my identity. While XXXX put me on hold to open an investigation and dispute, '' I checked XXXX and XXXX According to these sources, my credit is fine and there were no hard inquiries. 

When XXXX '' came back on the line and I told her this, she had no answers or explanations. She just insisted that they would open the investigation. She was in a hurry to get off of the phone after this. When she hung up, I XXXX  the company again and learned that the XXXX  gives them a D-. I called the XXXX and they advised me what to do to address identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax refuses to remove incorrect personal information about me. I have been sending them letters for a year requesting they remove it. XXXX  and XXXX  had no problem removing it. There are addresses that I have NO connection with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: DISCOVER BANK
State: NJ
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Disputed account with all XXXX credit bureaus, requested debt validation under the FDCPA and they have not validated the deb but continue to validate the dispute with the credit bureaus which is a violation under the FCRA. They have not provided any proof consent given to share or obtain private and protected medical information under the medical bills act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS COMPANY PUT A COLLECTION ACCOUNT ON MY CREDIT FILE ON ALL 3 BUREAUS AND DIDN'T INFORMED ME OR GIVE ME OPPROTUNITY TO DIPUTE BEFORE REPORTING. LIKE WHAT HAPPEN TO THE COMMUNICATIONS NEVER RECEIVED ANYTHING AND MESSED UP MY CREDIT SCORE. i WANT TO SEE DOCUMENTS AND PAPERWORK SHOWING i OPENED A ACCOUNT WITH THIS COMPANY SHOW EVERYTHING GC SERVICES Original creditor : XXXX XXXX XXXX XXXX Balance {$470.00} Balance updated XX/XX/2022 Original balance {$470.00} Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Exeter Finance Corp.
State: MO
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 purchased a car from XXXX XXXX XXXX. XXXX XXXX later my XXXX XXXX. I voluntarily repossessed the car back to XXXX XXXX. We negotiated a settlement of XXXX. This was paid in full. At that point this account should've been closed. I was shocked to see it was ruining my credit. XXXX I add the car had under XXXX put on it total and was returned in the same condition as when purchased. All this occurred in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Chime Bank has denied my and several hundred other customers their disputes. All while having proof of the fraud Chime just denies disputes and steals the money. They lie all the time. Their customer service just reads from pre scripted pages. No help what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: WV
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 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 non-monetary relief
Consumer complaint received 2015-06-24
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I move in a mobile home in XX/XX/2014. The person I be lived to b buying took my XXXX. Down pmt. An return in XXXX months asking me to catch up on pmt. I realize he was not going to sign the general warranty deeds I drew up.a greentree workers shows up XX/XX/XXXX. Telling me what I need to pay r get out of the home. I explain to XXXX the deal XXXX XXXX made with me an. I would b willing to pay XXXX a month just give me a blance to start.i recived calls that were rude as if I was a child. Anyway I agreed to send XXXX post dated cks. After the first pmt. I gave to them in person of XXXX they refuse to send me a invoice .so I am thinking whom an what am I paying for. After talking with them I find out this owner has been dead XXXX yrs. An I will never get a title to move it without lots of loops. Now they r demanding pmts. After I brought the pmts current. I have not sent a pmt. Until I get records for me saying what I owe an why I am being over charged an charged for ins. I was not the one whom started this mess an I do n't plan on being left clueless. Like I told her I been here lil. Over a yr. An I only have to envoies mailed to me. XXXX yet making pmt. Thru my bank r cks.she tells me they been mailing them but they were in XXXX. I told her I could not open his mail just like her asking me to post date XXXX cks. She explain I pick a date an send them an she will enter them each month. Now I am late with fees an no paperwork to describe what I will own.very upsetting to me as a single parent trying to b productive an grow in life yet. They r allowed to tell u get out r make a pmt. I think I am ready to take action to avoid more troubles.can u help? I have talk to many workers yet they tell me they can not give me information on the loan an expect to b payed. I am clueless not a dumb.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was a victim of credit card fraud where several charges were made on my account shortly after receiving a Citi bank custom cash card. From XX/XX/XXXX to XXXX. I contacted citi bank on XXXX yet still fraudulently transactions continued on my account I called citi bank fraud department immediately the following day to report the fraudulently transactions. They told me that the charges were marked as fraud and would be removed from my next billing statement. Citi bank issued me a new card yet the charges still appear on my account. So I called the citi bank fraud department again and got the exact response saying the fraudulently transactions are marked as fraud and are under investigation. This was in XXXX. I've repeatedly called Citi bank once a month 4 times in the past four billing cycles and they have given me the same response explaining that the charges are marked as fraud and under investigation. They have continously given me the run around and citi bank has not resolved the fraud case. I no longer have trust in using Citi credit accounts or banking with them in the future unless this issue is resolved. I would like to have the consumer financial protection bureau help assist in getting this fraudulently transactions removed from my credit card account.

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