BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Nelnet, Inc.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the IDR SAVE plan on the very first day the beta site launched. One payment was auto drafted once payments resumed.

Since then my loan has been placed in an administrative forbearance while Nelnet " processes my IDR application. '' I get emails every few days telling me it's still being processed. I tried calling them to get an update and the hold time was 77 minutes. This is unacceptable. It's unacceptable that months later they still haven't approved an application that was filed on the first day and it's unacceptable that you'd have to wait on hold for over an hour to speak with someone about what's taking them so long. This would never fly in the private sector. Nelnet needs investigated and likely needs to lose their ability to service student loans. My account has now accrued $ XXXX+ in interest while waiting to hear from this terrible loan servicer. Will this interest be forgiven because of their negligence? I have given them every bit of information they need. If they haven't processed my application ( one of the very first ) they likely haven't processed anyone 's application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I HAVE NO KNOWLEDGE OF AN ACCOUNT BEING OPENED WITH CAPITAL ONE. MY IDENTITY WAS USED TO OBATIN A FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
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 information incorrect

Complaint:
I have asked all three creditors to remove inaccurate accounts off my credit report. They removed a couple of items and on some account they claim to have verified some of these account as accurate. Now according to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract- ANY and ALL accounts they post on MY Credit Report. The Creditors HAVE NOT DONE SO. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed. These account have not been removed.

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 2022-10-14
Company: EQUIFAX, 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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( XXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$11000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Chime Financial Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 someone hacked into my online account with Chime bank. They changed my password and ATM PIN number then added my debit card to their XXXX XXXX account. Immediately after the changes were made, 17 fraudulent charges were made at 4 different XXXX stores and 1 XXXX  restaurant in another state. In total, {$2400.00} was stolen from my account. My checking account was overdrawn by {$130.00}. I became aware of the situation a few hours after it happened and called Chime immediately. My password was changed, my old cards were canceled and new cards were issued. I reviewed my account history and transactions with the agent and a dispute was submitted for the fraudulent charges. The next morning I contacted XXXX corporate office to discuss the situation. They provided me with a case number and told me a representative from each of the 4 stores my card was used at would contact me. A few hours later I had spoke with all 4 representatives. They informed me that there were other victims and an investigation had been started. I contacted the officer leading the investigation and gave him my information. I filed an official report and received a case #. Im still in contact with the officer and video footage of the transactions involving my card have been obtained. I intend to press criminal charges if an arrest is ever made. 
To date, I have filed 4 disputes for the fraudulent charges with Chime. 3 of the 4 disputes have been investigated and denied. The 4th is pending. Ive provided more than enough proof and documentation that the charges were unauthorized, fraudulent and that it was absolutely impossible for me to be involved yet my checking account remains overdrawn and my money hasnt been returned. Im struggling financially and have been unable to pay my bills because of this. I just want my money to be returned. I shouldnt have to go through all of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft

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 2023-12-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank has failed to handle my automatic payments for my XXXX XXXX XXXX XXXXXXXX on a timely manner due to their own faulty payments systems and broken website. Every month since I made the initial purchase in XX/XX/2023, they have failed to auto-debit my bank account for my monthly payment and have sent collection notices stating that I'm past due. I have had to call Synchrony directly every month to make the manual payments due to broken email links and the inability to log into my account at XXXX XXXX XXXX Every customer service person I've talked to has insisted my bank details must have been wrongly entered and that it's my fault that payments are being received late. This is despite having a Synchrony account representative manually enter the bank and routing number directly back in XXXX and receiving assurances from him that I would no longer have any issues after he confirmed my bank information and a payment finally went through.

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 2023-10-05
Company: Mr. Cooper Group Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
previous requests were not fufilled by said company .... i am asking for accommodation for all late payments on my credit report by XXXX XXXX according to 15 USC 1681s-2 ( f ) I am demanding Mr cooper remove any late payment received during the covered period with proof of removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CORELOGIC INC
State: CA
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:
I noticed unauthorized inquiries on my report. I believe according to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed!! 

Below are the list of accounts : 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 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 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
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MD
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I transfered XXXX in total to marcus account in XXXX. Recently I found the account is locked. So I called Marcus, they said they need to contact XXXX and let me wait. I recalled after ~ week. they said the account is closed and will mail me the XXXX check. I waited for another week. But didn't receive the check. 
I called them again, now they are telling me they haven't mail me the check yet. And I need to call XXXX, which is the bank I tranferred money from, to recall these transactions. 

After contacted XXXX and I called back Marcus. they now tell me that they are waiting for chase to reply them with a phone call and out me to wait. 

I asked them are a XXXX to get my fund back. they said they can't provide me that. 

I need to use the money since the mid of XXXX and Marcus has been kept my money for very long. And they can't even let me know when I can get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have a loan with Shellpoint Mortgage Servicing with LOAN Account # XXXX. The monthly mortgage payment with ShellPoint is scheduled with My bank, XXXX XXXX XXXX XXXX. In XXXX, the mortgage company changed the billing address from Ohio to Texas ; my scheduled payment of {$1100.00} for XXXX ( XX/XX/XXXX ) went to them, but due to the wrong billing address deposited back to my bank on XX/XX/XXXX. The XXXX 's payment also failed for the same reason. There were no communications from the Mortgage company regarding that billing address change, and I learned about this when I received a pink letter on XX/XX/XXXX, including the hardship assistance document. I immediately called their customer service, fixed the billing address to the bank, and directly paid {$2100.00} for XXXX and XXXX. However, they reported to the credit bureau since payments were missed, which killed my exceptional credit score. I have been following them since XX/XX/XXXX and filed multiple complaints on their website. I also sent them a letter from my bank that we were attempting to make payment, but they always sent a standard letter that you are at fault for missing the payment. A different department of ShellPoint manages the credit reporting, and they don't talk to Customers and communicate via secured emails. During one of the complaints and my conversation with a customer service supervisor, she emailed that department the Company had changed the billing address, and the Customer made payments immediately when he came to know. The Credit department did not respond to that email. I have attached that email with this complaint. The letter from the bank was also included in this complaint. 

I have not seen such bad customer service in my life, and some of their reps and supervisors were rude in conversation. They removed secured email communications related to complaints between me and their Credir department from the Inbox Customer portal. Honestly, they don't care about customers. My intention was always to make payments to them on time. I spent several hours calling them multiple times, sending the proofs, but no attention to my humble request to correct the credit reporting. 

With this complaint, they should sincerely consider my request and fix the credit reporting. They should also work on improving communication with customers and care about customers. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: LA
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.

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 inructions 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 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 2023-08-12
Company: Experian Information Solutions Inc.
State: FL
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 am not liable for this debt with XXXX, XXXX XXXX and XXXX XXXX. I do not have a contract with these companies and they did not provide me with the original contract as requested.

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 2023-10-28
Company: Nelnet, Inc.
State: AR
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 started contacting Nelnet and XXXX XXXX XXXX back in XXXX, when I received my first letter from Nelnet. I initially noticed they had my balance incorrect, so I was able to call and speak with an agent. We discussed the matter, and we sat on hold for XXXX minutes why she escalated the call. Eventually she said they need to futher investigate and would be in touch. She also recommended I contact student aid about the matter. I did both and have received no further information nor has it been correct. meanwhile you cant even talk to an agent now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: LEXISNEXIS
State: OH
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:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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

Company response to consumer: Closed with non-monetary relief