BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Nelnet, Inc.
State: FL
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:
NELNET ACCOUNT IS REPORTING INACCURATEINFORMATION IN AREAS ACCOUNT NUMBER, LAST VERIFIED, DATE OF LAST ACTIVITY, DATE REORTED, DATE OPENED, CREDITOR TYPE, PAYMENT STATUSAND LAST PAYMENT. NELNET IS IN VIOLATION OF 15 USC 1681. THE ATTACHMENTS OF THE ACCOUNT IS IN THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Ive been a customer for a while now When I called to see about lowering my interest rate on my accounts, Im treated, so Im trying to steal money from the bank. Or the monies coming out of the agents pocket. I have good credit. Ive been an excellent customer. Youve made plenty of money off me over the years. I dont understand why banks have to be so greedy you make billions and profit but the average guy whos just trying to get by I easily work 50 hours a week I take care of my kids. I always pay all of my bills on time but I dont understand why the bank cant just cut me a little slack here. Inflation is out of control and thats not your fault but its made everything so much more expensive, and when I call and I asked to see if you can lower the interest rate even if you lowered it just temporarily, that would be a help. Please explain to me why you have to be so greedy, and so unwilling to help the every day guy out here just trying to get by, why cant you lower my interest-rate? I mean is it really going to affect your bottom line that much youre still going to make billions and profit have some compassion put yourself in my shoes. 

I am not asking you to reduce my balance in any way Im not asking to skip any payments. I will pay my bills like I always do but the interest at the level it is is making it virtually impossible to pay off this credit card. Does the bank have to be so greedy? Cant you have just a little bit of compassion Even if you just lowered it temporarily even safe for a few months six months or even a year that would be a huge help. Id be better if you could lower it permanently but Ill be happy if I could just get a lower interest rate for a few months anything to help please have some compassion. Thank you for your time and consideration. God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Predatory Loan with Franklin Credit took a XXXX loan out XXXX 2006. Paid a total of XXXX on a XXXX 15 year loan. The Principal on this loan has not gone down. Still owe XXXX the original interest rate on this loan was 13.750 % the interest rate and the monthly charges fluctuate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: United Revenue Corporation
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed several times with XXXX and United Revenue Corporation. This account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022, at XXXX I received a call from convergent outsourcing. I spoke with a gentleman named XXXX at the time. Upon the phone call I wanted to inform him and his supervisor that it is illegal to contact a consumer without my reaching out first according to 15 USC 1692c. I waited to speak to a supervisor and after being on hold for awhile I was told by XXXX that I would receive a call back by XXXX. I never received a call back to address the issue. I called once more on XX/XX/2022, I was able to finally speak with a supervisor named XXXX but with phone issues, I was unable to hear her or vice versa. I called back and was unable to get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent money over XXXX for concert tickets after picture confirmation of the tickets for a total of {$500.00}. The person never sent tickets or responded. I reached out to Chase bank to try and get this sorted out and they told me they could do nothing about it and hung up on me. I do have a claim out with Chase but they seemed like they could care less about helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Please be advised I do not authorized the withdrawal of {$100.00} from my account additionally according to Virginia state law ACH withdrawals for payday loans is not permitted any attempt to withdraw funds from my bank account a CFPB complaint will be filed. I also need to work out some sort of payment arrangement which is more affordable. I have been a loyal customer now for many years however I have gotten to the point where I am borrowing money each month in order to pay my other bills due to having to pay on the payday loan. if you look at the amount I paid in fees and costs since 2011 I have paid enough to have paid my loan off many many times. I would like my account closed and a reduction in the amount owed and be permitted to pay one monthly payment until it is completely paid off. I 've chosen to try to work with you instead of going through a debt consolidation program. I understand that if I do not make a payment it will go into collections and I 'm trying to avoid that however if it does go into collections I would then be able to pay the monthly payment. I believe it would be advantageous for both of us if we were to come to an agreement now to avoid collection activities or additional fees and costs on either part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: FL
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: Investigation took more than 30 days

Complaint:
This secured credit card account was closed and later charged-off in XXXX by Wells Fargo who did so without my notice and refused to allow me to pay the {$140.00} balance for deleting the negative remark on my credit report. After repeated attempts to deal with Wells Fargo directly without success, I wrote all 3 credit reporting agencies asking them to delete this account for inaccuracies such as : showing a current balance when the account has been closed for years, reporting a closed account date while also reflecting a current balance, reporting a current status on a closed account Wells Fargo refuses to reopen to allow payment for deletion, as well as other inaccuracies including incorrect dates reported consistently throughout all 3 reporting agencies. 

The last certified letters were mailed to all 3 bureaus on XX/XX/XXXX, today is XX/XX/XXXX and I still have no reply as to the status of the investigation and I am requesting the CFPB outright stricken and delete this inaccurate entry on my credit report across all 3 credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a XXXX account three times ( XXXX, XXXX, XXXX ) with Equifax. I have included a letter from XXXX stating that this is not my account. I have included the police report I filed to report the fraud.. XXXX took the XXXX account off my credit right away. Equifax has for the third time " verified '' that this is my account. It is NOT my account and I have given them the documents to prove this is the case. This has caused me financial hardship! Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02
Company: Netspend Corporation
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I opened up a Netspend account and you can access reload locations in Minnesota at most XXXX XXXX XXXX. I was at the XXXX in XXXX MN yesterday on XXXX/XXXX/2016 and store clerk XXXX assisted me. Store # XXXX XXXX XXXX XXXX XXXX XXXX MN Phone number XXXX. I was trying to put {$500.00} on my card and there is a {$3.00} transaction fee. He said it went through took my money and I thought that was it. I went out to my car and realized I never got the instant text message alerting me to my funds being added. I immediately get on the phone to call Netspend Customer Service and they were clueless. I went back into the gas station and XXXX told me that he could not help me my money was in the safe and that I would have to speak to a manager XXXX or XXXX on XXXX/XXXX/2016. I called the store at XXXX this morning on XXXX/XXXX/2016 and spoke to XXXX. He told me could I come in there with my receipt. I did just that got there around XXXX. He looked into it and found that he was getting a failed message unable to load my pre-paid debit card. I just want my {$500.00} back. XXXX took my only proof in my receipt to take my Name, Phone Number, & Address down. I have contacted Netspend via e-mail will be calling them back. I have called & emailed XXXX XXXX XXXX corporation but I 'm afraid I 'm not going to get my money back. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Houston Finance Co.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I submitted a dispute regarding Houston finance and how it was reporting on my credit and they stated that they would remove the reporting from my credit and it has not been updated. Please see below. 

Case number : XXXX Back STATUS Response disputed Houston finance said : Explanation of closure We will delete the account from all XXXX Credit Bureaus. 

Response We never received direct communication from XXXX XXXX concerning her credit bureau rating. We did get a dispute from the Credit Bureau which we responded was correct. Her account was due to pay out XXXX/XXXX/XXXX. XXXX paid the account out XXXX/XXXX/XXXX which was over 120 days late. We will delete the account from all XXXX Credit Bureaus due to the fact that we did get paid and it was a long time ago. 
WHAT HAPPENED Describe what happened so we can understand the issue ... 
Houston finance has been paid off and closed since XXXX and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Consumer Loan : Installment loan Which of these best describes your issue? Managing the loan or lease DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
This account needs to be deleted from all XXXX credit bureaus for violating federal and state laws of consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
On XX/XX/2022 approximately 6 months ago XXXX XXXX XXXX, the original creditor opened an or placed an account for collection without my knowledge! I was receiving phone calls after phone calls from a collection agency that at the time I had no knowledge of. On XX/XX/2022 MIDLAND CREDIT MANAGEMENT revealed themselves on my credit report with a balance of {$480.00}. I am being taken advantage of by XXXX, XXXX, and XXXX. These three companies are violating my rights given to me by the FCRA ( Fair Credit Reporting App ). I DID NOT give them permission to access my NON PUBLIC PERSONAL INFORMATION nor did I CONSENT for them to furnish anything on my consumers report. According to 15 USC 1681 ( b ) ( 2 ) my permission is needed for ANY PERSON to access or furnish anything on my consumer report! Yet once again that permission was not granted by me. Not only are inquires being reported without due cause, but my rights to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 USC 1681 ( a ) ( 4 ). I demand that each and every item I disputing to be removed. There is no way any person can validate fraudulent activity! Due to my identity being used without my consent this is basically theft as defined by 18 USC 1028 ( a )! Please remove all request as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: AR
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 have filed a dispute with XXXX about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with XXXX for past 21 years because somehow XXXX had in their XXXX my daughter XXXX number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXX law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from XXXX after years of fighting my identity with XXXXBy law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to XXXX or any other affiliate of XXXX I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a XXXX graduate from XXXX XXXX, where I obtained a XXXX. XXXX/Navient has made it nearly impossible to pay a more affordable monthly payment. I became divorced in XXXX, which resulted in my income cut in half. I had to file bankruptcy in XXXX, and i was unable to afford my monthly payment at the time. I also lost my job in XXXX, and they refused to offer me any grace while I tried to find a job. I was unable to pay, and my co-signer who is my mother is XXXX. They attacked both of our credits and harrassed us up to 10 times a day. At one point they stated that by law I had to enroll my account in auto draft, when they took several payments out of my account without my permission over a course of 2 weeks, sending my account negative hundreds of dollars. They made me complete forms in order to receive my money back and it took several weeks. I am a single mother of XXXX children, which created for an unlivable situation. They also have made it impossible to consolidate to a lower rate, since my accout was delinquent in the past. Although, I realize I am responsible to pay back my loans and I am willing to do so, I am unable to afford the monthly payment at the rate they insist can not be changed according to my salary. Whenever I call them, they tell me something different everytime. They are never ever consistent with any of their answers. They are a horrible company that was literally created to make people 's lives a living nightmare. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: QuickClick Loans of Illinois, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took a loan with Brookwood Loans ; XXXX, Ga. For XXXX months. After about a year, I was hurt on the job ( still not working ), I was Late with XXXX ( XXXX ) payment, over XXXX days. I then came back and paid the whole loan off early ( almost XXXX months ). They reported the late payment to the credit reporting agency. My complaint that even though I made XXXX mistake, why am I not allowed another chance? They say they would be lying if they told the credit reporting agency that we corrected this situation, what if I told everyone I knew not to do business with them and all their new business stopped!!! How does that work?!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have contacted Navient about consolidating my loans early because they were showing not in deferment before I start payments in XXXX 2017. I asked about what possible payment arrangements can be arranged and I was refused information about my loans. Then they have multiple inquiries for the same day for the XXXX different amounts which is really hurting my credit score with the credit bureaus. I have requested documentation to show mortgage lenders to purchase my first home but never obtained it from Navient. They are insufficient when it comes to providing the lenders with the appropriate documentation that is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Select Management Resources, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I got a title loan with loanmax in XXXX Ohio on my Scion tC, they called and told my husbands boss that our car was going to be repoed when I was unable to make the payment, they did n't verify who they were speaking to before telling our personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
this is a continuation of complaint number XXXX after 3 attempts to get Bank of America to refund the XXXX cited in the previous complaints, the money was returned to me via a credit memo : XXXX/XXXX/2015 XXXX/XXXX/2015 Credit MemoXXXX for check number XXXX. 
XXXX XXXX $ XXXXThis is the money that Bank of America claimed they had not received on three occasions. The XXXX was instrumental in obtaining the refund and I have nothing but high praise for them. Regards Bank of America, their adamant denial of not having received the money was simply not true. I sent copies of the back and front of the check and they STILL maintained that they had not received the funds. I still feel that Bank of America collected on an account already paid in full and their denial of receiving and entering the payment is a violation of good business practice and the fair credit act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Experian Information Solutions Inc.
State: IN
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:
I recently have been checking my credit report because I want to buy a home soon, and I have seen that there is an account that has been opened for XXXX. Apparently some thing was purchased XX/XX/2019 for several furniture items that I never had purchased. It was purchased from a store called stop and shop, I have never been to that store, up until this past week to see if they could give me any information. They can not provide me with said information so I called the company and I was told to report it. Hopefully this can get resolved so the account can get removed from my credit for something that I did not purchase. My identity was stolen and somehow someone purchased all these things.

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