BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for an Income Driven Repayment plan in XXXX on XXXX, the site ran by the Education Department and which transmits the applications to borrowers assigned servicers. My servicer is Nelnet. I was approved on studentaid.gov for the new SAVE plan, which subsidizes any difference between your monthly payment, as determined by the borrowers IDR plan, and the monthly accrued interest ( in the event that the interest is greater than the payment ). 

Nelnet has failed to approve my application. No one at the company can tell me when it will be approved. No one Ive talked to, after having to wait on hold for hours every time, seems to know ANYTHING about when this might start getting fixed. 

Meanwhile, interest started accruing again in XXXX. So far I have accumulated about {$2000.00} in interest. I AM UNABLE TO MAKE A PAYMENT ON THE SAVE PLAN BECAUSE NELNET HAS FAILED TO PROCESS MY APPLICATION, MEANING NONE OF MY INTEREST IS BEING SUBSIDIZED. Moreover, Nelnet put me on an administrative forbearanceDURING WHICH INTEREST STILL ACCRUESwithout my asking. So I have no payment due, meaning no payment to chalk up towards my interest, the difference between which is supposed to be being subsidized. 

So, Nelnet is effectively holding me over a barrel while I rack up interest because of their incompetence. I am financially bleeding profusely and its all Nelnets fault. 

Their actions are illegal and I will be suing if this isnt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NV
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:
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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim  '' I owe XXXX? 

This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 


Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim. 

See attached

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 2023-04-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house on XX/XX/2023 and I was due an escrow refund from my mortgage company LoanCare amount of {$4100.00} within 30 days I contacted them numerous times and they tell me a check should have been mailed out within 10 business days of closing. The address on file was verified as the correct one, but I have yet to receive my check in the mail still. I offered to pay for tracking so I can locate the check, but they tell me that is not possible. They continue to tell me nothing can be done in regards to locating my check except wait for 30 days since they sent the check so they can send a new one.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently we reviewed our credit reports, and have noticed that there is an account that is still currently being reported on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a joint account with my son XXXX XXXX XXXX XXXX This account is listed on our credit reports unlawfully. On XX/XX/2022 we petitioned XXXX XXXX XXXX Apartments in court. This account went through litigations. The judge dismissed this account. Please remove this account from our credit reports. 
I have enclosed the following documents from XXXX XXXX XXXX XXXX stating the results of the petition. I have made numerous disputes about this account, and it has not been resolved.

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 2023-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are discrepancies that I have found on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX ( XXXX ) The discrepancies are listed below : 1 ) Number of months 2 ) High credit limit amount XXXX ) Date last reported 4 ) Date last active 5 ) Date of last payment Creditor sent a letter of validation on XX/XX/2023 and failed to validate this debt. 
Under 15 U.C. Code 1681i ( 5 ) cause for removal of inaccurate unverified credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have created over 5 disputes with Experian, everytime I get the results back they can never give me information on the dispute. XXXX is showing the account as closed, but when I reach out to Experian they tell me I have to submit a dispute and they never close the account to match XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: NC
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:
FTC Report Number : XXXX FTC Report Number : XXXX FTC Report Number : XXXX Defamation to my character and livelihood and I'm trying to purchase a home. 
15 U.S. Code 1681n

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 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a Simply checking account with Capital One, and I disputed transactions that a company I have never used, The bank credited my account back with the dollar amount, and a few days later my account was in a negative status. I spoke with an agent at the bank and I was told the funds were taken back because the company showed proof that I authorized the transaction. I was never notified of the reverse, nor was I asked for any documents or proof that I have never used the company 's establishment. A week later my account was closed, Spoke with the agent asking how can we resolve this issue. I was told we can't and I do not owe anything. I went to XXXX XXXX to open a bank account, and I was declined, reason because I have a negative red flag on me because of the closed account with the bank mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX received a call about data breech inside JPM bank for 10 years. I was offered insurance funds being the breech was on them XXXX for five years plus access to my trust and a safety deposit box also. Have not received XXXXXXXX XXXX Its was suppose to be in my account by XX/XX/XXXX. I contacted Chase bank customer service which told me I had to find external bank for my Derivative securities. I found XXXX set up an account and set up XXXX transfer to Chase bank XX/XX/XXXX. On XX/XX/XXXX XXXX closed my account with any warning and they wouldnt tell me why they simply said its there right to terminate relationship. I would like this resolved asap. Of course insurance funds for pain and suffering. I want back any loss of assets do to this situation. And full control of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IVE NEVER FILED XXXX XXXX XXXX AND XXXX AND TRANSUNION CONTINUE TO REPORT THIS UNVERIFIED XXXX XXXX INCLUDED IS A LETTER OF WITHDRAWAL, AND LETTER FROM XXXX XXXX THE DATA FURNISHER CASE NUMBER XXXX WAS NEVER FILED IN A BANKRUPTCY COURT.. IT WAS WITHDREW I HAVE NOTICE OF WITHDRAWAL...

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 2023-11-07
Company: EQUIFAX, INC.
State: PA
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 : DEPT OF EDXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: SC
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:
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 XXXX Account XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
American Express made an internal mistake on my statement after I made a justified fraud complaint. I wasted over 20 hours in chats and calls addressing the matter, have been experiencing obfuscation and retaliation despite their managers admitting a mistake that would be addressed. I have always been on an autopaymet for the entire card balance monthly. I have a statement that is unequivocally miscalculated from it's own itemization, which their managers have even harassed and insulted me over in prior attempts to resolve the issue.

I will no longer use this corrupt, incompetent and purposefully unhelpful service. I would like help resolving this issue with American Express so my credit score is not inappropriately harmed, I'm certain telling them I will not use their services in the future. 

They just eat up your time in trying to fix the problem. It's ridiculous harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$750.00} ; 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

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 2023-08-11
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Company went bankrupt transferred loan to a debt collector. I paid {$3600.00} for an extended warranty which wasnt paid to the provider. Debt collector isnt removing the amount that was added for voided warranty. Having an item showing as collections will hurt credit report even tho payments have never been late on vehicle. This company hurt a lot of customers. Customers have to worry about vehicles being repossessed even with payments being current. Numerous vehicles have been repossessed with customers current.

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 2023-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Called Capital One. Agent ID XXXX was able to confirm that a debt with them was settled in XXXX. I have the CC # on file now. 

XX/XX/XXXX Shortly after the call, I got a " New Account Notice '' email from Secured Access Solutions to log into my account. I did not click on the link. 

XX/XX/XXXX XXXX Received multiple calls. When I tried to explain that the credit card was closed and CapitalOne suffered a data breach in XXXX. I asked them to provide proof of the debt and they told me that by the time they reach this point they don't have that sort of information, the person interrupted and continued to rudely say " stop talking '' in an intimidating manner. 

Date unknown : I received a suspicious call trying to collect a debt from a Capital One credit card. When I told them I needed proof they sent me an email with an amount due and no other information. I was told that " The Director '' would call me when I got back from lunch. I received no further communication and deleted the email as I always do with phishing attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: CA
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 disputed incorrect information on my report and the company did not remove it. These accounts are not mines. I demand that the following accounts by removed. This is affecting my creditworthiness, Ive disputed these accounts and they should be removed immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation