BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Original Loan for purchase XX/XX/XXXX for XXXX  XXXX XXXX 13.43 % with original maturity date XXXX. During the course of the loan until XXXX XXXX loan extension were granted with those loans extending were added to the end of loan dated XXXX, extending my payment until XXXX all payments we made on time with made all XXXX payments complete. Upon requesting a loan pay off in XXXX of XXXX, I was told I still owed XXXX and need to take a loan modification or car would be repossed on XXXX. Loan modification was signed on XX/XX/XXXX showing a unpaid principal balance of XXXX, these extra XXXX payments on top of my XXXX payments comes to XXXX payments with a purchase price over XXXX new Maturity date is XX/XX/XXXX original amount fenced was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had opened the account to do a balance transfer to a different credit card. The other credit card company never received the transfer. I have been going back and forth with capital one about this and have gotten no help they have been telling me one thing then another. When I asked for the check information that was sent over all they gave me was an amount and date. They couldn't even give me an account routing number or even a copy of the check. I have been going through this since XXXX of 2022 and still no one is willing to help. I have spent numerous amounts of hours and taken lots of time to resolve this and there has been nothing solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
All three credit beurea XXXX, equifax, XXXX  are not updating my credit profile they are making sure that incorrect inquiries, education loans, false information on my credit report its been years of this and they have yet to correct it and my credit score is not going up and i really am frustrated and treated unfairly please help me get this corrected My XXXX loan is not negative I nolonger have to pay it back and they refuse to check my education loan status and correct the information i should have no inquiries on no credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Omega RMS, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Omega RMS-I was contacted about an alleged debt through XXXX XXXX XXXX XXXX I cancelled the travel service XX/XX/XXXX due to the escalating COVID 19 pandemic. When I initially spoke with XXXX, I informed her that I had received communication from another agency about this account and that I was disputing this account. She advised that Omega RMS was the only account handling this alleged debt. I then received communication by mail on this debt and returned a letter XX/XX/XXXX disputing this debt and requesting the contact information of the original company. I received a follow up call from XXXX XXXX I again reported that I was disputing this account and that I was confident that I was communicating with two separate entities about the same debt. Today, XX/XX/XXXX, I received communication from XXXX XXXX XXXX about the same account. I called XXXX to update her with this new information and inquired if these were the same company. She denied any knowledge of XXXX. I repeatedly attempted to clarify which company was handling this debt. XXXX insisted that Omega RMS was the only agency and that the account had been placed with her on XXXX I requested to speak to a supervisor about this, as I am trying to clarify who to escalate the dispute to, and XXXX refused. I asked to speak to any other agent, and XXXX refused. At this point, Ive asked for XXXX not to contact me or be involved in my case. She again refused. I do not have confidence XXXX has appropriately addressed my account or dispute, I am concerned that multiple companies are involved in the same alleged debt, and I concerned that XXXX and Omega RMS will take punitive action against me due to my awareness of their blatant deception attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions 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:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

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 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On my Capital One XXXX XXXX XXXX Statement there were XXXX charges I did not make. XX/XX/XXXX and XX/XX/XXXX, both for {$130.00} at XXXX XXXX XXXX VA, XXXX, XXXX. I contacted Capital One and they said they said they would launch an investigation. On XX/XX/XXXX I received a letter that said there was insufficient evidence of fraud.and I was responsible for the charges. When I called again they told me it had to do with the chip on the credit card.I think they could have put more effort into the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX {$340.00} XXXX {$340.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$5400.00} THIS ACCOUNT WAS ADDED TO MY CREDIT REPORT .I WAS A VICTUM OF FRAUD AND HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I NOTIFIED XXXX XXXX AND EQUIFAX WITH A IDENTITY THEFT REPORT TO LET THEM NO THESE WASN'T MY ACCOUNTS. I HAVE NOT HEARD ANYTHING BACK FROM THEM AND ALL ITEM ARE STILL ON MY CREDIT REPORT. CAN YOU PLEASE LOOK INTO THIS MATTER AND DELETE FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: TN
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:
Unauthorized hard inquiry that I did not consent to continue to report in credit report after 2 prior letters to both the lender and credit bureaus no response its been nearly 90 days since the last letter it has damaged my personal credit score 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 2023-11-10
Company: Mankin Law Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX ( XXXX XXXX ) acquired a Property Management Collections ( XXXX ) to collect XXXX fees. I spoke to XXXX in the XXXX and they advised they would place collections on hold after I sustained a XXXX XXXX  and subsequent defrauding in the last year. For the first time in my life, I was facing a financial hardship and have had until that point zero negative marks on my credit or payment history. Unfortunately, not only did XXXX not pause the collections as promised, they continued to flood me with notices and mailmen collectors knocking at my door with lien notices, even though the balance was so low they could not place a lien. As you know, this is a violation of FCDPA and FCCPA ( Florida Law ), for making threats of legal action that are not allowed. Ultimately, they added some fees after a few months to get the balance above the threshold and filed the lien anyways even though the true assessment balance was under $ XXXX. I will be seeking damages from XXXX, but to make matter worse, they brought in Mankin Law Group ( I guess you'd call them a 4th party collector given XXXX is the 3rd party collector *sarcasm* ). Mankin doubled down on this invalid debt and illegal lien that was manipulated with arbitrary fees to raise the balance above the Florida Law limit of $ XXXX. Now they've piled on fees, refuse to take telephonic payments and refuse to speak to me saying I need to have an attorney. I imagine this is to toll the case past the 45 days so they can add on even more invalid fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Navy Federal Credit Union Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Experian Information Solutions Inc.
State: MI
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:
There are many mistakes appear in my report without my understanding.

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 2023-11-10
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apparently, I had a medical procedure in XX/XX/. In XX/XX/, I first received a bill from XXXX XXXX XXXX for XXXX  services. I called my insurance company, XXXX XXXX XXXX ( XXXX ), and they told me to ignore the bill from XXXX XXXX. 

Later I received correspondence from XXXX XXXX related to a XXXX XXXX Mon related to the same charge. I never heard of this doctor and I had insurance to cover the full cost of any procedure. 

I again called XXXX and was told that they had no record of receiving a bill for this charge. I advised the doctors office that they needed to submit a bill to XXXX for payment. 

I was subsequently contacted by Plus Four Inc. a debt collection agency. They are located in XXXX, NV and their phone no. is XXXX. I gave them the same information I received from XXXX - that the doctor needed to submit a bill to XXXX. I told them that I have no knowledge of anything related to this doctor. 

I continue to get dunning letters/statements in the mail from Plus Four Inc . If they damage my credit rating I will definitely sue them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a re-investigation request for items that are inaccurate on my credit report. To date I have not received a reply from either credit bureau about that investigation. I have negative items posted on both XXXX and XXXX credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-15
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:
I had XXXX in student loans from my XXXX and XXXX  schools. These loans were through Nelnet, and I made XXXX in loan payments from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I refinanced my remaining loans ( XXXX ) through a private loan servicer ( XXXX XXXX to reduce my interest rates. When XXXX announced the XXXX of student debt relief last year, I requested that Nelnet refund me the {$6400.00} worth of payments I had made before I refinanced my loans. They refunded me this amount, and I received a check for this in XX/XX/XXXX. However, I then saw that my balance with Nelnet went back up to XXXX. I called them, and they said they accidentally refunded me the full remaining account ( even though I only asked for XXXX and the remaining loan was refinanced and not my own payment ). I asked them to cancel it and they said they couldn't. I never received the check, although it was addressed to my name and current address. I called Nelnet monthly until XXXX, when they finally told me the check had been cashed in XX/XX/XXXX. Then sent me a copy of the check that was cashed, which was cashed with a forged signature for myself, and at a bank that I do not have an account with ( XXXX XXXX  ). I immediately filed a police report, but the police have not done anything to resolve this. Nelnet initially said there was nothing they could do, but after I threatened to get a lawyer involved, the submitted a form to the US treasury and said I should receive a " fraud packet '' from the treasury. It has been 2 months and I still haven't received anything and Nelnet says I just have to keep waiting. However, student loan interest resumes in 2 weeks and Nelnet still says I owe XXXX, and the interest will accumulate very quickly on that amount ( which I shouldn't owe ). I have asked Nelnet to provide a written statement that they will not charge interest while this is being resolved, but they won't do it. I am very concerned that I am going to owe additional money on top of the loans that I shouldn't owe, all due to Nelnet 's mistake ( and also errors with USPS allowing my check to be stolen because I have a locked mailbox, and at XXXX XXXX for allowing a XXXX check written to me to be fraudulently cashed ). This has also impacted my credit score, because I owe loans in 2 places now - the XXXX with Nelnet and the XXXX I refinanced with XXXX which I have been paying off. This has also taken a substantial amount of my own time and energy due to the mistakes of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Freedom Mortgage Company
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023 we changed our home insurance from XXXX to XXXX. When we changed, I provided XXXX  with information regarding our loan to get the payment handled since it is all through the loan. There was some sort of miscommunication between XXXX and Freedom Mortgage, so our insurance was not paid immediately. This resulted in Freedom Mortgage thinking we didnt have insurance and signing us up for one even though we were signed up for XXXX. In XXXX 2023 I was called in resolve the issue. I was told by a representative from Freedom Mortgage that it is all handled now. In XXXX 2023 our mortgage went up again. The insurance we were signed up for by freedom mortgage had not been canceled/we had not received a refund for the insurance. Since then I have been trying to get the name of the insurance from them so I can make an effort to cancel it and have not been given anything. We are paying for two home insurances, one which they wrongfully signed us up for due to a miscommunication and are now withholding information from us, even though we have asked, and claimed that they sent a letter to us in XXXX that we do not have. Now they are refusing to provide us with any information and sold our loan to another 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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX closed my complaint without fixing the issue. Transunion and XXXX claims that the information is no longer reporting but it infact. 

The credit reporting agencies claims that they verified the alleged bankruptcy on my report through the courts or the attorney. XXXX claims XXXX XXXX. 

This information is not XXXX XXXX system so that is false and I have enclosed my letter from the court house where they assures that the credit reporting agencies are lying.

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 2023-12-23
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXXXXXX XXXXf 2016, I went through a bad divorce and was forced to file XXXX, which was also discharged in XXXXr XXXX  2016. XXXX years AFTER my XXXX was discharged, Citi extended me a XXXX XXXX with a {$8000.00} limit. The bill has never been late, over limit, or had a retuned payment. Yet when I ask to increase my credit limit, I am auto declined because of the 2016 XXXX, which makes no sense as there was no problem giving me a credit card with that on my credit. I have called in several times and been escalated yet nothing has been resolved, no one has called me back as promised. One Manager even said for all the trouble they were crediting my cash back {$50.00} as an inconvenience, yet that also has not happed. My XXXXXXXX XXXX XXXX are complexly inline for credit underwriting considerations, nothing on my credit has been late or any finances issues since that XXXX in 2016. This is a violation of Reg B as I have asked multiple times to have a human underwrite my requests since a computer can not seem to make an exception.

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 monetary relief