BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been trying to obtain information on how to remove co-borrow from the loan, (  XXXX  ) per the request of my co-signer since the middle of  XXXX  of   XXXX   (  XXXX  ) with no success. Per my conversation with the CSR they did not have a detailed history of my account and would have to submit a research request to Nelnet for further information. On  XXXX   XXXX  I received an email only contains a list of my transaction history from  XXXX  loan disbursement {$8800.00} to current balance of {$7800.00 } ( whi ch brought up another concern of why my paying for an  XXXX   XXXX  dollar loan 15 years later. I have not received the requested information yet and no answers of the process. I have been the sole payee of this loan from d ay one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XXXX XXXX XXXX XXXX owns a lot in XXXX on XXXX XXXX and attempted to sell his lot using our office XXXX XXXX XXXX. We opened title at XXXX XXXX in XXXX and the title commitment came back yesterday showing a Lien on the vacant land from XXXX XXXX XXXX which has been bought out by Capital One Bank or Capital One National Bank ( unknown at this time ). We have tried to contact Capital One Bank however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed. My client paid cash for his lot in XX/XX/XXXX and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in XX/XX/XXXX. XXXX XXXX is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the Capital One bank sign a release of lien so my client can close on his vacant lot. XXXX XXXX XXXX Complainant 1 XXXX XXXX Complainant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After obtaining a copy of my credit report I have found that my second mortgage is still reporting. The house was foreclosed on and the bank took ownership of the property on XXXX/XXXX/2012. The collection agency that is currently reporting on this mortgage is REAL TIME Resolutions. Attached are all the documents that I have pertaining to the said house that was foreclosed on, including the last letter I received from the collection agency. I need to make sure that this situation is resolved and the reporting is stopped to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A certified letter was sent and received by the company on  XXXX   XXXX . The letter was disputed information on my accounts listed on my reports. The company failed to respond and mark the accounts as disputed within the 30 day period. This violates both the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act accounts listed below have violated my rights These accounts have shown as " VERIFIED '' by the credit reporting agency. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there. 

XXXX XXXXSC 1681 sections 602A states I have the right to privacy 15 USC 168 section 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 do not remember applying for a credit card on XX/XX/XXXX. There was some sort of hard inquiry done without my knowledge that destroyed my credit score by lowering it XXXX points in less than one month. It is literally against my religion to borrow money ; I pay everything in cash or with my ATM card and have been since at least 2013.

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 2016-10-25
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I submit a stop payment request on this payday loan from my bank, XXXX. I paid the fee of {$30.00} but Cash Store was still able to withdraw my account putting it in negative. I tried to have them to stop payment via a phone conversation which they refused. My bank also will not stop payment because they have no control over automatic checks.

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 2016-11-28
Company: SQUARETWO FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did hold a credit card account with XXXX issued by XXXX Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing XXXX balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since 2011 till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. 

Merchandise was returned to XXXX and credit was received but XXXX Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account XXXX acct # XXXX 120 days late payments, XXXX XXXX XXXX acct # XXXX, XXXX. XXXX  acct # XXXX XXXX rental acct # XXXX  has violated my rights. 

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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo reported me 30 days late in error in XX/XX/XXXX on XXXX and XXXX. They did not report me late on XXXX XXXX. 

I closed the account and did not authorize any charges. WF even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this WF account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to Wells Fargo to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my XXXX XXXX account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are in error.

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 2022-09-02
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our mortgage with Truist Bank XX/XX/2022. We were told the money in the escrow account would be mailed by check XX/XX/XXXX. As of XX/XX/XXXX and over 20 phone calls, we have not received a check. We have been lied to, and Truist has blamed the post office for not delivering the checks. We have asked them to put a tracker on the checks and they will not. It is my understanding it is against the law for them to hold our money for more than 30 days. Truist will not return our phone calls, messages have not been returned and I have talked to every rep but not one person will take action on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my equifax credit report it states in the status section that my XXXX account is a charge off. I paid this card off in XXXX 2014. It has been reporting incorrectly since I paid off the card. I have called finger hut and they do not know why it is being reported incorrectly. The status is not a charge off. This was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I wrote about a month ago about a late fee Target refused to refund me. This fee was under dispute and now I get a bill with a late fee on top of that late fee. I understand I was late paying my bill- but I have been displaced from my house for over a year due to a store and was living between an rental home and spent the last 5 months in a hotel room with my family. Picking up mail and staying organized was a bit of a challenge when you work 60 hours a week and are between your home and a hotel room. PLUS I disputed the charge and only just got the decision from CFPB- while this was under dispute I should have gotten a 1 month reprieve on paying the late fee while it was being disputed. BUT NO I got charged another {$30.00}. I refuse to pay this -- Target is taking advantage of me and I called and they acknowledged the fee was under dispute and said too bad- you are now charged another fee. 
I work for a financial services company and know CFPB is pushing for banks to waive overdraft and nuisance fees... why not push to have this credit card company waive a fee for a family that is displaced from their home and living under very difficult conditions. 

I hope Target enjoys the {$60.00} in fees and it was worth losing a customer -- I will NEVER shop in that store again and I will not pay this additional {$30.00} fee -- it is taking advantage of a customer that had a fee under dispute and it is despicable. Customer loyalty goes both ways and if they will not address this with waiving a fee then they will never get a loyal customer out of me or my family. This is the only recourse the consumer has anymore -- ban the brands that do not take their customers seriously and do not align with our values. My social circle is large and we all feel the same -- Target will be my target -- hope the fee revenue was worth the ding on your reputation and your future revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions 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:
EXPERIAN FAILE TO SEND ME PROF THAT THEY DID INVESTIGATED THE ACCOUNT I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account are Identity theft there failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, IDENTITY THEFT accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account XXXX. I had previously disputed this account with BAY AREA CREDIT SERVICE. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX purport I owe.This is a old account from XXXX XXXX XXXX ( bal. {$250.00} ) that has been sold at least four times to various Third Party collections agencies and the previous agencies could not validate the account and it was deleted form my XXXX credit report. 
I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2022-04-10
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Gateway one lending still has very old report on my credit report and I and asking for it to be removed off my credit report account has been closed long time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
After a " system update '' with Rush Card serviceI have been unable to access my funds in XXXX days now. My account balance has been XXXX out and I have money that should be available to me. I have called customer service for this company at least XXXX dozen times and I get no human response, I get hung up on every time. I am unable to access my money and I am getting no response from the company after trying many times to make contact via telephone and email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-11
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To whom this may concern, Please see the attached document as it details violations of the XXXX rules that protect consumers from illegal financing activities. 

Sincerely Yours, XXXX

Company response to consumer: Closed
Consumer complaint received 2016-10-22
Company: CAC Financial Corp
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt was paid balance was XXXX XXXX XXXX XXXX as of XXXX 2016. 

Have balance due was sent to me and stated XXXX ( XXXX ). 

Said they would report but have not over the last 3 months.

Company response to consumer: Closed
Consumer complaint received 2015-11-06
Company: Empowerment Ventures, LLC
State: PA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have a rush card and XXXX $ was deducted from my account. I call and never get a answer or I 'm hung up on, I 've even been transferred many times just to be on hold more to be placed on hold more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX 's request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Earlier this month, I received notification from my credit monitoring service that my credit report had changed. Knowing that I had n't filed for any new credit, I was immediately concerned about this. I checked my notifications only to see a account late notice on my report for a debt. I have no idea what this late notice corresponds to and I am not behind in my bills. I have not received an notification from the company regarding this alleged debt that I owe. My scores have dropped over XXXXpts, to XXXX, due to this alleged debt. This is utterly unacceptable!

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
Consumer complaint received 2016-08-16
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
RE : Trident Account XXXX Dear Sir/Madame : On XX/XX/XXXX I have sent a notice to Trident Asset Management pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
When I called to follow up I was told that they have not received the notice, so on XX/XX/XXXX I filed a XXXX Complaint and forwarded a copy of the same request to Trident Asset Management. 
I have asked Trident Asset Management to validate the account and requested the account related documents. 
Instead of sending the documents to me, Trident Asset Management responded that they have sent something to me XX/XX/XXXX. I have never received any notice, letter or validation documents from Trident Asset Manage Management. To this date my requests for validation remain ignored. 
A certified mail sent to XXXX XXXX XXXX XXXX, GA XXXX remain at USPS PO Box unclaimed ( USPS tracking number XXXX ). 
It seems that the request for validation is deliberately and willfully ignored, and the company is in breach of Fair Debt Collection Practices. 
I do not recognize this debt and I request the company to immediately provide all the evidence to substantiate the claim that it 's a valid debt which I have legal obligation to pay, or cease any and all collection activities which includes furnishing inaccurate and unverified information to Credit Bureaus.

Company response to consumer: Closed with non-monetary relief