BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-21
Company: Strategic Alliances, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone tried to write out a check to me and pull {$140.00} from XXXXXXXX XXXX using my information but I did not write the check or sign it. It was from XX/XX/XXXX from a XXXX XXXX XXXX address XXXX XXXX XXXX XXXX PA XXXX. I have received XXXX notifications from XXXXXXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not recieved any other notifications until now XX/XX/XXXX from Financial Assest Management Inc debt collection asking to pay {$190.00} for the amount owed to XXXXXXXX XXXX. Someone used my information to pull money and now the bank is trying to get money from me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Experian Information Solutions Inc.
State: MD
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 disputed and submitted a complaint to CFPB on XXXX for a collection account with inaccurate data on my credit report which was then deleted from my reports by both XXXX and XXXX. However the account was then readded back to my XXXX report several days later. I went from XXXX derogatory remark to XXXX  when it was deleted and back to XXXX again when the same account that was just removed was reported back on my XXXX report again!? How is this legal?! This is grounds for lawsuit! I want this account removed again and not placed back. I also want this report removed from my Experian report as they have failed to do so as well. Also I have been notified by XXXX of the data breach from 2017 that my information was exposed and have been trying to clean up all these negativities from my report since.

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 2024-01-20
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX had been paid in full but will not correct credit report. The account is still showing a balance. Experian investigated but kept the same information that was a remaining balance. I sent the paid in full letter to eperian but they did not correct their 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 2024-01-20
Company: Velocity Portfolio Group
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX  a debt verification letter was sent certified mail to XXXX XXXX XXXX XXXX. Due to the alarming high amount of fraud purported by debt collection agencies specific information, outside of what was initially provided, was requested by me. I am making this complaint to let it be known that communication was sent to this debt collector. Out of all the things requested in the debt validation letter a copy of THE PURCHASE AGREEMENT is the most essential to validationof the alleged debt. I require a copy of the purchase agreement so I may with my own eyes see that the original creditor has stated a claim of accuracy relating to amount of the alleged debt. I believe the company in question will have no problem producing the documents that I am requesting, seeing as they have made claims that they do have full right to collect on the alleged 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 2024-01-19
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-19
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Around XX/XX/XXXXI set up a new account for my loan that was transferred to Newrez LLC ( c/o SHELLPOINT LLC ).

Around XX/XX/XXXX, my loan was transferred to Newrez LLC from XXXX. I was not able to log into my account to pay for the XXXX payment. I requested this be escalated to Information Technology for resolution. 
Due to the difficulties, I made a payment by phone using the automated voice system. 

Weeks later, I was still not able to log in, and requested again that this be re-submitted for resolution. I was not contacted and the issues persisted. 

On XX/XX/XXXX, I decided to mail in my payment ( due XX/XX/XXXX ). This payment did not post until XX/XX/XXXX, one day late. I felt the payment was mailed with ample time.

I did not want to use the pay by phone system.

On XX/XX/XXXX I mailed the payment in for XXXX ( due XX/XX/XXXX ). On XX/XX/XXXX I received notice that they have not received my payment. I checked my online bank statement, and it the check had not cleared. At this point, I used the pay by phone system and submitted a payment for XXXX. I did not get any receipt for this payment. 

On XX/XX/XXXX I checked my bank balance and the mailed check has cleared. There is no record of the payment I made by phone. 

I feel that there is a problem with the payment processing at SHELLPOINT LLC including mail, phone, and other areas not yet explored, like the online payments I am planning in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was quoted and I accepted an online policy and monthly payment of {$69.00}. Which was paid in XXXX, XXXX, XXXX and XXXX of XXXX. 
XXXX increased my payment to XXXX in XXXX which I didnt find out until later. I signed a form twice and told they never received. I already paid XXXX and I cancelled my policy because I did not agree with the increase. My policy was good until XX/XX/XXXX. I purchased new insurance with XXXX XXXX which I hold today. I purchased new policy on XX/XX/XXXX. Copy attached. I never agreed to XXXX policy a month. I agreed to 6 month policy XXXX. I do not owe this bill. Never heard from XXXX, until I received a collection notice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased month to month insurance from XXXX XXXX XXXX XXXX and when I did not pay for insurance this company extended my credit with out my consent. Not knowing I was being charged it then went into collections by a company called CCS Collections

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank like many other credit cards are offering cash back offers to incentivize customers to use their card to purchase from specific merchants. I've used this across many credit cards with little to no issues. Citibank is the outlier. There used to be a tab in the app and online that showed what programs you were enrolled in and what you had qualified for, that went away. I was signed up for a XXXX XXXX offer, that unfortunately did not take screenshots of, because I actually trusted them. I made the qualifying purchase, spent hours and hours on the phone arguing about it only to give up. I also signed up for a promotion to get {$30.00} back after spending {$350.00} in hotel purchases, never received this credit. I believe there is a systemic issue in their merchant offer programs. It's deceptive to say the least. I want an explanation as to why I can not track my cash back like I can with other credit cards and why I have to spend hours of my time trying to get an answer.

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 2024-01-17
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Citibank around XX/XX/XXXX, funding {$74000.00} from my XXXX account. On XX/XX/XXXX, I decided I wanted to move {$10000.00} back to my XXXX account and initiated this request on Citi.com website. At this point, my account was flagged and locked. The next day ( XX/XX/XXXX ), I was informed that my account would be closed and they would send me a check in the mail within 60 days. 

I would really like them to reinstate the account, or at a minimum allow me to get back my {$74000.00} wired into my original XXXX account. I find their action to close the account without warning or reasonable cause crazy! I find their action to hold my money for 60 days without interest crazy! I had intended this to be a kind of emergency fund and did not realize that withdrawing my own money to another of my bank accounts would be considered a breach of contract! 

I really need some help. I am worried that I won't be able to get my money.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being XXXX. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-22
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services has been harassing me via text and mail in regard to a debt that I do not owe them. 
I have never opened an account with them and do not owe them anything. 
The collection is in the amount of {$710.00}. 
I have requested a debt validation letter requesting the payment address if the original creditor. I requested the Original Signed Contract between me and the original creditor. I requested a full payment history of the account " Not a copy of 1 Statement ''. I requested proof of ownership, assignment, authority to collect, license to collect and license to collect in my state of Texas. 
I have not received any of those items. 
I never entered into a contract with Credit Collections Services. 
I have not received any of the items requested. 
They sent threating letters stating they are going to report adverse credit information to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: TrueAccord Corp.
State: KY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from TrueAccord stating they were trying to collect a debt I owe to XXXX XXXX XXXX XXXX in the amount of {$990.00}. I have never had any contract, services, or any business with XXXX XXXX XXXX XXXX. I have never received any bill from XXXX XXXX XXXX XXXX for anything. I contacted XXXX XXXX XXXX XXXX and they have no records of me ever having an account with them or owing any money. I am going to email XXXX informing them of the provided information and the debt is not mine. I am also going to request in the email the name and address of the original creditor.

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 2024-01-22
Company: Experian Information Solutions Inc.
State: MO
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:
For the XXXX time this morning experian starts yet again with another lie by saying there STILL WORKING ON THE ISSUE because everyone knows they don't do anything this is a stall tactic FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT COMPANY

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 2024-01-22
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Formal Notice of Violations and Request for Remediation Dear Ability Recovery Service, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Ability Recovery Service has handled my credit information. 

It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 

Moreover, I insist on Ability Recovery Service providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 

I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 

Done in good faith.

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 2023-12-09
Company: MOHELA
State: WA
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:
No payment is due while processing Sweet V Cardona. My school is listed in Exhibit C and money is owed to me by MOHELA. Violating terms of Sweet V Cardona settlement by trying to collect payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
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:
Since transferring my mortgage from XXXX to Select Portfolio Servicing , Inc. XX/XX/XXXX, I can not get SPS to make monthly payments with the " fully amortized '' option. Instead, as interest rates increased, less principle is paid. The monthly amount remained the same. With 12 years remaining on the mortgage, I should be paying increasingly more principle per month. I could be looking at a 6-figure balloon payment in XXXX. 

Around XX/XX/XXXX, when interest rates were going up, I noticed my principal amount going down. The mortgage statement has 4 options : " Minimum '', " Interest Only '', " Fully Amortized '', " Accelerated ''. " Minimum '' and " Accelerated '' have the same principal/interest distribution ; they shouldn't be the same. " interest Only '' is not applicable. " Fully Amortized '' has a higher principle, but it appears to fluctuate slightly from month to month but only between about {$900.00} and {$950.00}. 

I've always paid the " Fully Amortized '' with other servicers, so I called to complain. They said they'd correct the situation, but they simply added a fixed extra principle payment of {$270.00}. I still didn't have the fully amortized payment. 

I called a couple more times over the course of a year, and spoke to a reassuring service representative. Ultimately, unsatisfied I finally wrote and mailed a letter on XX/XX/XXXX. SPS responded in writing, called, and told me that payments were being made with the fully amortized option. 

Looking at my Form 1098 for XXXX, I noticed my principal payment was only {$9400.00}, and my interest paid was {$14000.00}. I will call SPS again about this, but my principle should be lower by now. 

I only have the paper brick version of our original XXXX mortgage from XXXX XXXXXXXX ( acquired by later by XXXX ). I requested any original loan documents and information from Select Portfolio Services , Inc. but have yet to receive them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Nelnet, Inc.
State: NY
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:
On XX/XX/2023, I went to make my student loan payment at nelnet.com. Previously when you make a payment online there was a box that you could check that said " do not advance my due date more than one month when I pay more than the current amount due. '' This box is important because if the box is not checked and you make a payment over the minimum, instead of the excess going to the principal, it goes towards your next month 's payment. Paying extra principal every month helps me reduce the amount of interest I owe. 

On XX/XX/2023 when I went to the " make a payment '' section of the nelnet website the box was missing. 

After searching the website for a long time I found that they moved the box to a different section of the website called " special payment instructions '' ( screenshot attached ). 

I now need to make a separate request to have the box checked BEFORE I make my payment. If this request is not processed before I make my payment, my payment over the minimum amount will not go to my principal. 

My payment is due XX/XX/2023. Payments take two business days to process, minimum. The " special payment instructions '' request will probably take several days. My options are now make a late payment this month or do not pay towards my principal. 

I believe Nelnet is doing this on purpose to make it harder for students to pay down their principals and therefore the students will have to pay more interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
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:
We have taken home insurance from XXXX XXXX and there was damage to the roof due to hail we have raised a request for a XXXX  XXXX, and XXXX XXXX has issued the claim amount in multiple checks to the mortgage provider Select Portfolio Services, The contractor has completed 90 % of the work, and the mortgage provider is waiting for his payment. I raised a complaint on XXXX about the same on XX/XX/year> ( XXXX ) and the provider Select Portfolio Services has arranged for a home inspection for the work done and released the initial payment, now the final inspection from the mortgage provider Select Portfolio Services is completed and they are not releasing the final amount. I tried to reach them multiple times but no response the contracting company has spent over {$400000.00} for the repairs and waiting to get the money. and now the contracting company wants to take legal action and sent us a lien notice, we request you help me in getting the amount from our mortgage provider Select Portfolio Services. 

Your help will be appreciated on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation