BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Nelnet, Inc.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
DEP OF ED/NELNET is unlawfully reporting late payments to my consumer report. Ive never made any late payments to NELNET nor has NELNET provided me with documentation validating this information. They are also in violation of my consumer rights by reporting this information even if it were factual! I as the consumer own my consumer report and The DEP OF ED/NELNET has failed to comply with the law pursuant to 15 USC 1681b ( 2 ). 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states my consumer report should not include transactions between the consumer ( me ) and the person ( the financial institute ) making the report. DEP OF ED/NELNET is in violation of my privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ). AGAIN I NEVER GAVE MY CONSENT TO REPORT MY INFORMATION!!! By reporting DEP OF ED/NELNET is in violation of the laws made by Congress. Pursuant to 15 USC 1681a ( B ) any authorization of a specific extension of credit or similar device should be excluded from my consumer report. The transactions that DEP OF ED/NELNET is reporting clearly are categorized as transactions that were issued from a credit card ( my social security card ) as defined under 15 USC 1602 ( l ). This is a violation of my privacy! DEP OF ED/NELNET is liable to me for all damages due to their willful noncompliance pursuant 15 USC 1681n .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened the XXXX XXXX XXXX XXXX XXXX with Chase on XXXX XXXX XXXX. I had some trouble getting my cards, so the effective date that I started to use my card was XXXX XXXX XXXX, which is a couple of days after my replacement cards arrived. <P/>On XXXX XXXX XXXX, I paid the annual fee of {$95.00} and was hoping to take advantage of the promotion to earn XXXX bonus miles by spending {$3000.00} in the first three months. As this was a new card and its due date was different from my prior XXXX, I let the first payment date slip by accident. The first payment was due on XXXX XXXX XXXX. Therefore, I was charged interest and late fees for the first month the account was open. The total amounts of fees and interest are listed below. I also incurred additional fees and interest on XXXX XXXX XXXX. <P/>As for the promotion, I failed to meet my minimum requirement, so a large benefit from opening this new account was lost on XXXX XXXX, according to my discussion with the Chase representative on XXXX XXXX. In other words, I lost 21 days of the 90 days of the promotion by simply not having cards that I could use. When I called to see if this period could be extended, the Chase representative told me no. When I called back to cancel the card, the new Chase representative told me he could extend the time, but only until XXXX XXXX. Funny how things change when they think you are going to eliminate their opportunity to earn more fees. <P/>I 'm also disappointed that when I asked to cancel the card, all Chase representatives told me that they could not refund me any of my annual fee. Not sure how they can believe that they are entitled to the full amount of this ANNUAL fee as I only used the card for three months. XXXX XXXX has always returned the prorated portions of annual fees to me. I 'm confused as to why one of the largest banks in our country would not do the same. <P/>I am also willing to concede that the late fees and interest charges were ultimately my responsibility and understand that my actions caused them to be incurred. <P/>Here is a list of the fees I incurred while I held this card. <P/>Total Fees : {$150.00} - Effective Annual Rate on Total Purchases = 57 % - Effective Annual Rate on Average Balance = 140 % Total Interest : {$20.00} Total Fees & Interest : {$170.00} - Effective Annual Rate on Total Purchases = 64 % - Effective Annual Rate on Average Balance = 158 % Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: PA
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 sent a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX  XXXX XXXXBalance XXXX {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXXBalance : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXXBalance : {$1400.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$2600.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00} ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I HAD LEFT MY LAPTOP ON INSIDE A PUBLIC OFFICE. SOMEONE HAD MADE A TRANSACTION FROM MY ACCOUNT TO ANOTHER INDIVIDUAL WITHOUT MY AUTHORIZATION. THIS HAS HAPPENED BEFORE TO THE SAME INDIVIDUAL, PAYPAL DOES NOT ALLOW FOR ANY EXPLANATIONS AND CHOOSES NOT TO BELIEVE THEIR OWN CUSTOMERS. THIS IS THE 2ND TIME THIS HAS HAPPENED AND IM SICK OF PAYPAL HELPING THIEVES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-26
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems did not present a contract ( VERIFICATION OF DEBT ) as requested. National Credit Systems -- claimed they will send me verification documents but I have yet to receive anything verifying the debt.Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor. Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency 's fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. ( 5 ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii ) reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor 's records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have asked for a signed copy of the lease agreement from XXXX XXXX XXXXXXXX, XXXX XXXX and National Credit Systems. All have stated they do not have the original lease. They also do not state the terms of any agreement explaining the charges. I have asked for this information, but all parties have refused to provide the terms of any agreement or how the charges were justified and under what terms outlining the costs they are saying that it is owed for. Under the terms of my original lease, which ended on a different apartment than they are stating I owe for, the terms for how I will be charged for breaking that lease were outlined in my lease agreement which begin in XX/XX/2019. For example, I would be charged an additional month of rent to end my lease early or without notice in apartment XXXX as agreed to by the property management company and I. My original apartment lease was for XX/XX/2019 in apartment XXXX. I chose not to renew this lease. The company is saying I also agreed to be charged for breaking a lease for apartment XXXX and are pursuing charges they say are outlined in a XX/XX/2019 lease agreement for a renewal. I've stated multiple times I had no lease to renew and I asked for them to outline the terms for how fees would be calculated to justify the charges that were agreed to for the XXXX lease they are alledging i have broken and they've refused to do so and have admitted that they have no lease with my name for the apartment they ( XXXX XXXX, XXXX XXXX XXXXXXXX and National Credit Systems ) are stating I owe money for. XXXX XXXX, XXXX XXXX XXXXXXXX Property Manager, has specifically stated she does not have a original lease agreement for XXXX and that the lease is with the previous property management company, XXXX XXXX XXXX. She also admits that she has not seen such lease, but assumed my account should be sent to collections because she thought there was one with my name on it. When I told XXXX I did not have a lease, she told me she will not correct her error. I was also told by XXXX XXXX XXXX management and staff that further attempts to retrieve information from them directly regarding the lease they do not have will be met with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1700.00}

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 2017-09-07
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CFPB had closed a case based upon their review of a mortgage companies reply to my complaint. XXXX # XXXX. I do n't see why the case was closed without my response to their reasoning

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX XXXX : {$2300.00} U S DEPT OF EDXXXX XXXX XXXX {$3600.00} U S DEPT OF EDXXXX XXXX : {$5700.00} U S DEPT OF EDXXXX XXXX XXXX {$5300.00}

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 2017-06-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is to inform you that inXX/XX/XXXXXXXX Ocwen loan servicing illegally foreclosed my property. On XX/XX/XXXX I received an illegal annual Escrow Account Disclosure Statement and a voice recorded created by Ocwen loan Servicing stated that in XX/XX/XXXX I made a payment in the amount of {$5.00}, XXXX also on XX/XX/XXXX my property was transferred to their Real Estate owned ( REO ) because due the lender placed Hazard insurance and taxes, also in XX/XX/XXXX I received an Delinquency notice from Ocwen stated that Im 1912 days delinquent on my mortgage loan. My account first became delinquent on XX/XX/XXXX. Please be advised that I never make any payments to Ocwen loan servicing until XX/XX/XXXX regarding the approval pending loan modification. This is totally fraud because I paid XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX until XX/XX/XXXX I made two payments to XXXX XXXX XXXX claimed that I missed XX/XX/XXXX payment. I also paid my home insurance since XXXX until XX/XX/XXXX and taxes since XXXX to XX/XX/XXXXexcept in XX/XX/XXXXOcwen paid my property tax, because Ocwen went ahead paid early thats why. Ocwen s use of inaccurate and incomplete information to collect mortgage, tax, and insurance payments, loss mitigation issues to proceed with foreclosures including balloon payments. Exactly what Ocwen done to me after I paid an attorney {$11.00}, XXXX because they promise to work with me then I dropped the law suit against Ocwen. Because Ocwen admitted that Ocwen incorrectly foreclosed my property onXX/XX/XXXX they sincerely apologize for any inconvenience this may have caused. Further, please note that they are in process rescinding the sale on the property. Instead I received a loan modification mortgage in the amount of {$220.00} plus a balloon payment in the amount of {$150.00}. XXXX Ocwen does not respect the Law, Owens continue lying and serve investors loan to harm home owners

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: DISCOVER BANK
State: CA
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 contacted Discover card about a {$3.00} charge from XXXX will not stop the charge because I do not have a serial number even though there is a chance that the product was returned to them..XXXX alleges they dont know what product so they wont cancel servicewhen I contacted Discover they directed me to XXXXno one wants to take ownershipI want charges reversed for 12 months or around {$50.00} and the charge to immediately stop

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: PA
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 reviewed my consumer report and I've found several unverified account being furnished. This is extremely harmful to my credit standing and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Social Finance, Inc.
State: IL
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:
SOFI LENDING CORP. and XXXX have been and are reporting inaccurate information on my credit report. SOFI LENDING CORP. and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. SOFI LENDING CORP. and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and SOFI LENDING CORP. asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and SOFI LENDING CORP. of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor SOFI LENDING CORP. have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to SOFI LENDING CORP. on XXXX/XXXX/XXXX : XXXX. The following hard inquiry which should be deleted immediately is : Creditor Name : SOFI LENDING CORP Date : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: DISCOVER BANK
State: IL
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:
Discover and all 3 credit bureaus ( XXXX, XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX: XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXXCreditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-25
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I am a long-time user of XXXX and Paypal and have never had any serious difficulty with either while transacting small purchases over the years. For the first time, I attempted to sell an article as XXXX  urged and advertised as being something I easily could do using my existing PayPal personal account. <P/>I quickly sold an article for approximately {$160.00}. Only then was I informed by PayPal that in order to receive proceeds of the sale I would need to establish a business account and verify the associated address. I can not document some of this exchange as it consisted of screen messages I did not have the foresight to grab. I sent a copy of a page of a recent bank statement ( attached as XXXX ( XXXX ) ) in satisfaction of this requirement which PayPal dismissed as illegible and otherwise inadequate as they additionally demanded : A copy of your Certificate of Incorporation A copy of your Business Registration A copy of your Business License I can not comply as I do not have a licensed, registered or incorporated business and was not informed before the transaction such would be necessary. It appears the funds will remain frozen indefinitely and I have no informal recourse to collect them. Similar abuses were the subject of a class-action suit. XXXX v. PayPal, which has been settled. <P/>The attached correspondence and documentation provide details of our exchange and shows PayPal 's unresponsiveness.

Company response to consumer: Closed with non-monetary relief