BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Checking over my report today and I have noticed that these accounts & inquiries are still reporting on my file after I have been disputed & waited for a response after 45 days .you are still going against the law and I have rights.

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 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Despite several fraud warning on my accounts with Bank of America, someone has managed to get access to my bank accounts and withdrew some money from them. I have made request for extra precaution be taken while handling my account, but this was not done. After I closed my account, the perpetrator managed to pass bank of america security screen. the Bank had promised me to call me each time an online or over the phone transaction was taking place. This request although agreed upon by Bank of America was not followed which has led to the lost of my funds, and credit potential, putting my business at risk. The Fraudulent person had information about the account, that I that opened it, never even received. I have asked the bank for a written update on the investigation performed, so that I have an understanding of the information the perpetrator has, and up until today I do not have any information from Bank Of America as to how those transactions have occured, or what type of security questions where asked. 
To date, a fraud has my information, and I am not able to tell you what type of information the person has, yet, the bank has it and will not disclose. Ultimately this is a direct result of the bank failing to follow the directions clearly written in a high profile identity theft victim profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, I just learned that my on-time and auto-pay benefits were turned off in XXXX due to a supposed missed payment. I've been paying this loan for 20 years ( since XXXX with the same bank account ) and have XXXX record of a payment ever missed. 

It is very likely that this happened when the loan changed hands ( which it has many times in 20 years - Nelnet has been the servicer multiple times. ) I have not to my recollection ever missed a payment. As I noted to the servicer in XXXX my wife and I had recently sold a house and had no banking issues at all. 

As this has been on autopay for many years it doesn't add up that a payment would have been missed. I not only was ever informed of the late payment but I only caught it while going through statements and doing the math. If the loan didn't change hands so often I may have found it much sooner. 

Looking for a refund of the overpaid interest going back 14 years. Even 0.25 % adds up over that long of a period. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021 a deposit was made into into the Bank 's ATM machine. The bank reversed this deposit stating that they could not deposit the check because another name ( my wife 's name ) was listed on the check. 

During that time, we incurred several overdraft fees. We went into the branch where the atm deposit happened and the bank gave us the check back and stated that they would refund all overdraft fees once we cashed the check at another bank and brought the cash back. 

My wife is also a customer of this bank and myself. We both have personal accounts, we asked could we cash the check in the branch and were told no. 

We were then told to cash the check where the check originally came from, which just so happened to be that bank. We were still told we could not cash it at the branch. 

On XX/XX/2021, we had a deposit go into the account. The bank only refunded 3 charges, even though due to their error we incurred 7 charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Called to request refund of loan payment made during covid period. Was told request was submitted. Called one week later, no request seen in system, re-requested the refund, still no updated balance on account portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Atlanticus Services 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a pre approval from a company, I filled out minimal information to see if I wanted to get the card, when I saw high APR and other fees, I decided I didnt want to go through with the card, I then hit exit and did not submit, they checked my credit even without my approval. I called the company, they were very ugly to me stating they did not check my credit and that I did not finish the process, I explained to them that I did not want the card and I did not submit for my credit to be checked, they were once again rude and told me they never checked my credit. I called XXXX who explained to me that there was a hard inquiry from this company, and said that I should contact your company for removal. This company is charging and price bending fees to very high costs before you get the card, and I explained that I did not want the card and I did not submit for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I recently purchased a vehicle from a dealership in XXXX, KY. Even though I had financing approved through my credit union, the dealer talked me into going with a Capital One auto loan at a slightly lower interest rate. I asked the dealer if I would be able to make payments ahead of schedule and have them count toward future payments. I have always paid ahead on previous auto loans. Part of my income is on a commission basis and I want to be able to be a few months ahead on my payments as insurance against a slow month that could be caused by illness, or a lack of work. I was assured I would be able to do this with this loan. I received a welcome call from a Capital One representative and I was again assured by the Capital One rep that I would be able to pay a few months ahead on the loan. When the loan was set up and I attempted to make an extra payment I found additional payments only went toward the principal and would not count toward my future monthly payments. I protested this fact to Capital One and I received a phone call from a person in their corporate office telling me I could call them when I made a payment and they would credit it toward my next month 's payment. I attempted to do this, but the online site will not let me make a payment until my previous due date has passed. To me this is deceptive and gives me a course for failure. First of all, not being able to make a payment ahead increases the amount of interest they can collect from me. Putting additional payments only toward the principal and not toward future payments due is a course to failure. I could be the equivalent of several months ahead in payments, but if I am unable to make a full payment within a 30 day period, I could face possible repossession of the vehicle even though I am way ahead in my payments. I feel this practice is deceptive. It does not give me the option of paying months ahead on my loan and it seems like a purposeful ploy to get an extra chance to reposes the vehicle, even though payments are ahead of schedule ... Especially after I was verbally assured twice in the loan process I would be able to get ahead on my payments. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have received a notice from the IRS stating that I have a cancellation of debt that was not included on my tax return. After much research and contacting the credit card company, I found out that someone had stolen my personal information and had a credit card issued. I am now having trouble with the financial bank to get this erase, and informing the irs that this is not my debt. the Irs is stating that I owe {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification and send in all required items. On XXXX I spoke to fay for an update and they said my file is still in review for a loan modification. They advised me a letter was sent out on XXXX. I never recieved the letter and I have called in a few times yet not one person botherted to infomr me that I needed to send in updated pay stubs. I sent in the requested pay stubs but the issue I have is as follow- Fay Servicing is Dual tracking. My file is in review for a loan modification and has not been approved nor denied. Yet somehow I have a sale date scheduled for XX/XX/XXXX. " Dual tracking '' occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. 
I called XXXX XXXX/ XXXX  XXXX , the foreclosure attorney on XXXX and they advised me that the sale date is indeeded set and there is no hold. They also stated that they looked into their internal system that they share with Fay and they are 100 % sure the file is active and set for sale. I advised them that my file is in review and they stated they would send an email out to fay to inquire about the situation. 
Since the adoption of the Homeowner 's Bill of Rights in XXXX, California law prohibits dual-tracking. I have been given inaccurate information when I call in to Fay servicing. I did not know that pay stubs needed to be updated.The postal service has been extremly late with my mail. It is infuriating that since this so called letter was sent out, none of the reps felt the need to advise me of any missing items. 
I am demanding that the sale date on my home be postponed as Fay servcing is conducting illegal foreclosures and are not properly handing my file..

Federal Law Prohibits Dual Tracking. The Consumer Financial Protection Bureau ( CFPB ), which the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 established, issued mortgage servicing rules that, after being codified into federal law, went into effect on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Student Loan Care, LLC
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was contacted by a third party consolidation company who I thought was with the government but I was mistaken. I provided personal information in hopes to consolidate all my loans to one payment/interest rate. After I was given a quote he said it would be a couple days to process and after doing some research discovered I could consolidate my loans through the department of education myself for FREE and this company was charging me XXXX dollars. After calling him back to confront him he responded with a yes you can do that in a smart aleck response. I gave him my FSA ID, SS number, bank statements, and contact information and after talking to the Department of education was a huge mistake. Company is called Student Loan Care or XXXX.

Company response to consumer: Closed
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
It is unfair credit reporting practices to have 28 variations of what my credit score could " possibly '' be. I'm given 3 agencies to work with the rest I have no knowledge of or means of contacting them. My XXXX  says XXXX that's what my score should be without any variations. It is unfair that I the consumer suffer because of unlawful reporting practices.

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 2021-07-29
Company: Experian Information Solutions Inc.
State: NV
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:
EXPERIAN has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information with
out my consent or signature for fee.

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure. 
I would like the CFPB to HELP me get EXPERIAN to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts. 

I do not validate any of the negative information on my report nor do i consent to EXPERIAN furnishing such information to third parties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received XXXX " NOTICE OF JUDGMENT '' for XXXX unpaid parking citations in City of XXXX through the law firm named Linebarger Goggan Blair & Sampson, LLC. The letter contains wrongly accusation, scary threats, and stressful. I have never owned any XXXX Vehicles listed in the Citation. I did n't travel to City of XXXX on the Offense Date or Year. I have no clue where these citations came from and why I keep getting these harassment!!! 

My daughter had left many messages at the provided number XXXX but no responses. I 'm a senior person. I ca n't tolerate this wrongful accusation any longer. If I have a XXXX XXXX, my children will seek justice for me through the legal process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
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: Was not notified of investigation status or results

Complaint:
The accounts listed in the attached letters are adversely affecting my credit report and preventing me from being approved for a mortgage. The false, inaccurate and unverified information is causing financial harm and stress to me and my family. I sent a letter dated XX/XX/2021 to this consumer reporting agency and they have yet to reply to my dispute. Therefore I am filing this complete with CFPB because they are clearly taking advantage of me by ignoring my disputes. I can not afford to wait another 45 days to receive no response again. Section 611 ( a ) plainly states that a failure to investigate items withing 30 days gives reason for immediately removal of those items from my credit report. Therefore I am requesting they delete the accounts listed in the attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Exeter Finance Corp.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received correspondence from Exeter Finance after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. 

I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from XXXX XXXX sent a letter stating a {$5300.00} was owed on the vehicle, but is Exeter Finance reporting to CB that over $ 8k is still owed on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX conducted an unauthorized credit check which was discovered and retracted from XXXX credit agencies. However it is still appearing on my Experian credit report. 

I am a student studying abroad. I am unable to send/receive US mail presently, and the Experian website is not allowing me to file an electronic dispute, perhaps because I am using a computer abroad? It 's unclear why I am unable to access the dispute form through the Experian website on my computer, which continues to generate a security error. 

Because there is no fax, telephone, or email method for filing the dispute I am at present unable to follow-up with Experian for the correction to my credit history. Please inform how this can be corrected because I am unable to proceed with information that Experian has provided on the website or by telephone contacts. 

Thank you in advance for your help. 

Sincerely, 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 2023-01-30
Company: AXOS FINANCIAL, INC.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Axos Bank ( operating as XXXX XXXX ) - XXXX  # XXXX - savings account # XXXX A {$10000.00} transfer to my XXXX XXXX savings account from Axos Bank was initiated on XX/XX/XXXX the amount was removed from my Axos account and showed up as pending in my XXXX XXXX account. The transaction was returned by XXXX XXXX on XX/XX/XXXX after getting XXXXNO ACCT/UNABLE TO LOCATE back from Axos on the transaction XXXX The {$10000.00} was not returned to my XXXX account and has been missing since then. 

I alerted them and opened a case XX/XX/XXXX ( XXXX ). They repeatedly insisted they never sent an XXXX and that they completed the transfer and closed the case. 

XXXX XXXX had their team review the events and concluded that XXXX did issue an XXXX ( account not found ) and they did send the XXXX back their statement included this : The XXXX XXXX has reviewed the return and would like to provide the Trace XXXX, which can be used by your external bank to inquire the location of the funds. 

I provided Axos with this information and they finally opened an investigation - case XXXX was opened on XX/XX/XXXX To look into it. Ive been repeatedly told the team will contact me when they are done investigating. Its now XX/XX/XXXX and still no contact from the team my repeated inquires result in the usual please be patient, sir well contact you just as soon as we finish. Theyve now stopped responding entirely and simply close my inquires with no comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have notice unauthorized inquiries on my credit report. I have reached out to the creditor and the credit reporting agency and was not able to get my issue resolved. The creditor will tell me to speak with the credit reporting agency and vice versa. I placed an initial fraud alert on my profile on XX/XX/21. I have called, mailed letters and disputed online with the credit reporting agencies with no success.

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 2020-05-07
Company: EQUIFAX, INC.
State: GA
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:
Equifax is reporting incorrectly that I am ( 30-60 ) days late on the XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation