BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Summary : Chrysler capital keeps paying property tax bills for a closed account, and we can not get a direct line to anyone to try and fix the title issues with the state. 

The biggest issue here is that you can not get assigned an agent or anyones direct line, so you are routed at random whenever we try to speak with someone about a recurring issue. I had leased a truck through Chrysler Capital, and sold that car- with the existing loan being paid off in full - in XX/XX/XXXX. The car company that purchased the car did not correctly change the title, so the state sent an erroneous tax XXXX to Chrysler capital. Even though the account is closed, XXXX paid it, and then billed me for it. Trying to get this bill removed from our account, we spent hundreds of hours, both with the state and with Chrysler Capital, explaining the situation. They refused to give me a direct line to anyone, so when I would call, I would have to stay on hold for an hour, and then get routed to a random representative. I would have to explain what happened over and over again, only to be told someone was looking into my case and would give me a call. If I missed that call, they would tell me to call the national line again, where the process would repeat. It was impossible to get a real answer out of them. When the state needed forms faxed over to try and close the registration, they took a weeks and we continually received the runaround. 
Finally, We had confirmation in XX/XX/XXXX that our Chrysler Capital account was closed. 
Now we received another bill in XXXX of XXXX with another state property tax bill. We thought this was resolved with the state, and are working on that separately, but ultimately, why is Chrysler Capital still paying bills for a CLOSED account? They should never have paid the bill. We want to be completely removed from their system, but unfortunately can not get ahold of anyone to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
portfolio associates is using evasive tactics in failing to identifying who they are and requesting you verify sensitive information about who you are.. when asked who is calling they keep repeating their first and last name and when asked what company they are with they refuse to identify the name of their company.. they say before we identify who we are we need you to verify your information.. 

this is very concerning when someone calls you and wanting you to verify your private and personal information with some stranger who will not tell you if they are with a company. they act like they are an individual calling you requesting you share private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a Cash App account a few years ago, linked to my then-debit card. I stopped using it as most of my friends used competing services. 

On Thursday XX/XX/XXXX, I had dinner with a friend. He uses Cash App, and he sent {$75.00} to my old account. To access my account and receive the {$75.00}, I re-downloaded the app and tried to log in. To authenticate my account, I was requested to provide my old debit card. I do not have it any more. I contacted Cash App via the app 's support function on either the night of the XXXX or early on the XXXX. 

After repeatedly explaining my situation, I was eventually transferred to their specialty support team via email on XX/XX/XXXX. Since then, I have exchanged 15 emails with their specialty team, where Cash App has not helped. I have been asked repeatedly for the same information and have provided it to no effect. Additionally, I was instructed to create a new Cash App account to get access to my old account, to no effect. I have lost hope Cash App can help me get access to my old account, or to reverse that initial {$75.00} transaction. By my count, I have now been asked to provide my full legal name ( and other basic information ) in the chat support app and via email at least 7 times. 

I am happy to provide personal information and reference numbers to corroborate. 

Case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TN
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon! 

I purchased XXXX XXXX in XXXX. I was young and bought the the car with no paystubs or anything. Dealership falsified documents to be approved with Santandor. Santandor has XXXX dollar lawsuit that I qualified for but the car was totaled and therefore forfeits the lawsuit. 

The car was at 16 % interest rate. The car was totaled in XXXX and was paid by my car insurance and the remaining amount was paid by XXXX insurance. 

Santandar is still reporting a remaining amount due which is completely false. I have tried everything to get this resolved and taken off my credit report XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: UT
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I mailed the FIRST Request letter to XXXX, EQUIFAX and XXXX to investigate/verify and delete incorrect accounts on my credit report. I have sent the letter with proof of my identity. 
On XX/XX/2022, I sent the SECOND Request letter requesting for XXXX, EQUIFAX and XXXX to remove all the incorrect information since I have not been notified or showed the results of their investigation within 30 days. Sent Certified mail. The credit reporting companies XXXX, EQUIFAX and XXXX are not complying with their own polices in a timely manner. 
On XX/XX/2022, I sent the THIRD Request letter demanding XXXX, EQUIFAX and XXXX to delete these incorrect/inaccurate accounts from my credit report since it has been over 30 days. Sent Certified mail. 
I have certified tracking numbers given to me by USPS that prove the receipt of this letters. 

Unfortunately, I started this complaint on XX/XX/2022 and the companies have not responded by the laws set up by the Fair credit reporting act and removed the information since they have had more than 30 days to verify and remove the false information from my report. 
I want this incorrect/inaccurate information immediately deleted from my 3 credit reports. 
These incorrect/inaccurate accounts are hindering me financially and preventing me from providing a better life for my family. 
I want XXXX, EQUIFAX and XXXX to immediately delete these incorrect accounts from my credit report that do not belong to me. They are affecting my finances. Please delete the following accounts from my XXXX, EQUIFAX and XXXX reports : # XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 6 US DEP ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: DISCOVER BANK
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:
Upon reviewing my XXXX, XXXX, and XXXX consumer reports, I observed that Discover Bank has reported my transactions and experiences, particularly a late payment that you have posted on my consumer report :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing to formally lodge a complaint against Nelnet, the servicer of my student loans. I am deeply concerned about the mishandling of my recent student loan payments and the lack of clarity and transparency in Nelnet 's communication. 

Here is a detailed account of the events leading to my complaint : On XX/XX/2023, I made a substantial payment of {$77000.00} towards my student loans. The payment was intended to pay off loans in groups AA-AE, as indicated by Confirmation # XXXX. 

Despite my significant payment, I noticed on or around XX/XX/2023, that Nelnet was displaying loans in groups AA-AC as paid off, with an outstanding balance of {$33000.00}. However, loans in groups AD-AE, with an outstanding balance of {$43000.00}, were not marked as paid. 

In an attempt to resolve this discrepancy, I placed a call to Nelnet on XX/XX/2023. During this conversation, I inquired about the status of loans in groups AD-AE. I was informed that my " payment would be allocated '' within two weeks. 

Today, on XX/XX/2023, I contacted Nelnet once again to check the status of loans in groups AD-AE. Unfortunately, after three hours on the phone, I received the same response, both from a representative and a supervisor, stating that there was no timeline for my " payment to be applied. '' This lack of transparency and accountability is causing me considerable distress. 

I would like to bring the following issues to the attention of the Consumer Financial Protection Bureau for investigation : Delayed Payment Allocation : Despite my payment on XX/XX/2023, Nelnet has failed to allocate my payment correctly, causing loans in groups AD-AE to remain unpaid. 

Lack of Transparency : Nelnet has provided inconsistent information regarding the timeline for the allocation of my payment. The absence of a clear timeline is unacceptable and creates unnecessary uncertainty. 

Customer Service Experience : The customer service representatives at Nelnet have been unable to provide me with a satisfactory resolution or clear answers regarding the status of my loans, further exacerbating my frustration. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Nelnet rectifies the situation promptly. I expect Nelnet to accurately allocate my payment and provide a clear timeline for the resolution of this issue. Additionally, I urge the Bureau to hold Nelnet accountable for its actions and ensure that such discrepancies do not occur in the future. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and protect the rights of student loan borrowers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is my third complaint regarding this issue. Fed Loan Servicing is flat out REFUSING to apply qualified payments towards PSLF program. I received word from the CFPB that the issue had been resolved and Fed Loan Servicing sent me a letter showing " applied payments '' ( see attached ). They made it look like they took action when they did NOTHING. The PSLF payments that need to be applied are from XX/XX/XXXX - XX/XX/XXXX from my employment with University of XXXX  XXXX XXXX. I work for a XXXX ( XXXX  ) ( XXXX  ) XXXX XXXX. I believe this is being done flagrantly and intentionally. The letter that they sent me is the EXACT same letter for my XXXX certification with a new date slapped on it. They did absolutely nothing aside from push the complaint away and flagrantly lie to the CFPB on resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Let me inform you that I contacted the bank and they agreed to correct the misleading information from my file. But Transunion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. I asked them why they were not accepting the dispute letters and complaints and they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Please correct this account as per FCRA laws : XXXX XXXX BANK XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: EQUIFAX, 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 status incorrect

Complaint:
I contacted XXXX XXXX XXXX the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX in the medical field and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, XXXXXXXX XXXX placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to XXXX XXXX  asking them to remove the inaccurate 30 day late payments from all XXXX credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the XXXX XXXX for publication the notice stated that the national emergency declared in Proclamation 9994 of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease XXXX ( XXXX ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: CA
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:
Updated information on CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Experian account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states 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 2022-05-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was forced out of my company due to a permanent XXXX. They were not able to accommodate my physical condition and I was let go after 26 years as I still need XXXX more XXXX and I have no more time I can use to get those done let alone that I most likely will not meet physical weight lifting requirements with the recommended back fusion and second XXXX XXXX. 

I asked XXXX if there was a way to do a loan modification to our mortgage since my income was significantly reduced and the Customer Service representative advised us to go late on our payments so we can work the modification process which we did. They denied our first request and I submitted for a second request with updated information which was also denied. They want us to liquidate our home and we want to stay and keep our home. Now they want us to make up the late payments and although I was able to pay the oldest balance ( I did this twice in good faith ), we are not able to bring the account current. We were just asking for a modification to help lower our interest rate and payment. Every little bit helps with our budget. They won't even help with a forbearance which was given to other customers during Covid. We tried to keep our payments current during Covid but I had XXXX XXXX with XXXX stints of XXXX, which was delayed by Covid, and they won't accommodate us with that either saying that the investors are no longer offering that assistance. My disappointment here is that I tried in good faith to work a process with a legitimate issue and they won't help us. We are stuck trying to bring the account current when they advised us to go late in the first place. I tried my best to be proactive and provide them the needed documents and responded right away each time they asked for more information. A friend who is a mortgage broker suggested I submit a complaint to you regarding my experience. I'm hopeful for a positive resolution but I've heard of millions of people across this country were getting assistance but I'm not able to get any help.

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