BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management Inc, located at : CORPORATION SERVICE COMPANY WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX De La XXXX # XXXX, XXXX XXXX, CA XXXX MCM ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from XXXX Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the Midland Credit Management Inc requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and Midland Credit Management : USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX USPS TRACKING # XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called Midland Credit Management Inc, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " Company '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: CarMax, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was given a deferral with Carmax Auto Finance in XXXX of XXXX, due to my daughter becoming, and continuing to be, severely ill. They are reporting that deferred payment as a 60 day late payment on my credit reports and refuse to remove it. When the deferral was e-signed, they rescinded my ability to see the document so I have no proof. I have spoken to them weekly about deferring the next few payments and they refuse. I've asked if the loan could be restructured and they refuse to do that either. I've even asked if we could delete the negative reports on my credit so the vehicle could be traded in on a less expensive one. Carmax Auto Finance, as of today, called to inform me that unless I could make a payment my vehicle would be repossessed because I haven't made payments for 12 consecutive months. My first account with them opened XX/XX/XXXX, and I traded that vehicle in on the new loan on XXXX. I can't refinance because they have damaged my credit, and I can not trade it in because of the balance owed, and I can't make the payments and feed my family to. I emailed the CEO and Finance Manager begging for assistance of any type- which is what resulted in the phone call today that gave no new resolutions other than pay or don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian, XXXX and XXXX willfully and negligently non complying with federal law by reporting inaccurate and unverifiable information on my consumer report. [ They ] claimed, after " investigation '', as " verified '' ; however, neglected to provide the method of verification they used. See 1681 ( a ) ( a ) ( e ) as well as 1691 ( a ) ( 3 ). What friends did they speak with? What neighbors? What associates? Was the investigative information they collected, factual? I did not authorize, consent or give permissable purpose to the furnishers of these inquiries. No contractual agreement between me & furnisher stating I gave them permission, consent to or authorized this transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB, The attached erroneous accounts are not mine but have been incorrectly posted on the three Major Credit Bureaus ( XXXX, XXXX and Trans Union ) for some time now. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), the Credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I explained the above by way of notarized letters ( attached ) mailed ( certified ) to XXXX, XXXX  and Trans Union on XX/XX/2019 and therein also demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts ( attached ). Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts ( attached ). After demanding that the accounts ( attached ) be properly verified or removed immediately, they simply sent me copies of my credit report from each bureau communicating that records were " verified '' yet they did not provide verifiable proof ( an original Consumer Contract with my Signature on it ) that the accounts were mine nor did they delete the erroneous accounts from my credit reports following no verifiable proof being provided in accordance with section 609 of the FCRA.

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 2022-01-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I certified mailed out a verification letter, affidavit of truth signed by the notary and myself. An invoice for all the fraud violation Wells Fargo sent me on XX/XX/XXXX. In the letter I asked them to not collect my car, return title lien free, delete all my info regarding the car off my credit report immediately and pay the invoice. They said that they didnt receive it til XX/XX/XXXX. I gave them 30 days to respond they sent me a response on XX/XX/XXXX with a letter that was back dated XX/XX/XXXX and a letter dated XX/XX/XXXX in the same envelope not sent certified mail so they cant prove when I received it. I waited til XX/XX/XXXX for them to send me what I asked plus a check of the invoice i asked for. Today i wake up and see my car is gone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I just cant understand this company has to come eith differents regulations now they said according to Respa they think people never will try to investigated like me I will send you a break-down of chargers that you told them to apply to client like me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for SAVE payment plan and provided all of the required and requested documentation. I did this well in advance of the deadline for repayment to resume. Nelnet confirmed receipt of my application, and then promised to update me by email every 10 days as to the status of same. 

I have not received any emails from Nelnet, and the deadline is approaching. 

Hold times are in excess of XXXX, and that is unacceptable when they only have hours of operation that fall within a work day. I can't simply sit on the phone waiting and hoping for someone to pick up. 

The amount I am supposed to pay for my first payment has changed a couple of times and there is no clarity on whether my application for the SAVE program is accepted. 

Nelnet is going to mess up credit scores and repayment schedules because they are not organized and do not adhere to even their own deadlines. If Nelnet is the servicer, collection should not resume until Nelnet can effectively service a loan. Nelnet faces no consequences if they miss a deadline, the debtors face ruined credit scores, inability to finance cars/houses, and the uncertainty of knowing whether Nelnet is about to mess up their finances. 

I understand that Nelnet is facing a huge job in getting up to speed on the loans assigned to them and that it is difficult in scale. Nelnet chose to accept that responsibility and is failing to execute effectively. Choices have consequences, etc etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: TX
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 XXXX is reporting an inaccurate account with late payments on my credit reports. 

I have been disputing this account for a while but have not been able to gain no resolution into this matter. 

As you can see in the attachment below, each late payment reporting is inconsistently reporting. How is it that this account is reporting on time payment with one bureau and 120 days late with the other? Or 120 days late with one bureau and 180 days late with the other? If all bureaus get their information from the exact same place, how can this reporting be all over the place? I was never late on this account. 

The consumer reporting agencies are responsible for reporting 100 % accurate account information and payment history on a consumers reports. This inaccurate reporting has caused me a lot of emotional and financial stress and I am aware that I can be compensated monetary due to the credit bureaus negligence and continuous reporting of inaccurate information. I am demanding that this account is accurately updated on my credit reports and all inaccurate late payments are repaired and deleted!

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, LLC # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-26
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Can not determine if the loan is federal or private because its a scam. 

Receiving constant fraudulent mailers seeking to collect a non-existent loan. Alleges I co-signed a loan for a fictional XXXX XXXX XXXX. The mailer lists my name as XXXX XXXX XXXX, which is not my correct middle initial or last name. Never heard of this person who probably doesnt exist. Tried calling the telephone number provided on all the fraudulent mailers and it just goes to a disconnected line. Either XXXX is a fraudster, incompetent, or someone is running a scam in their name. Either way, this is nonsense and these harassing fraudulent mailers need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I accidentally deposit a personal check from another account with XXXX XXXX ( my  own personal account ) for {$500.00} only. I used the wrong checkbook from the wrong account. I call immediately to the bank to report the issue and then I went to the bank to let them know. The branch rep told me to wait until the transaction was posted. The fraud department decided to suspended my account without having any access to it. A week after ; I still can not access to my account, online, app anything and the fraud department still investigating that XXXX  transaction. I called this department 3 times and a very rude staff from overseas hang up the call on me. I have my direct deposit coming in tomorrow and they said that I can not access to my own money until the XXXX  I am so frustrated!! Help me please!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi Bank Costco Card - Customer Since XX/XX/XXXX Citi Bank Notified of Account Closed - XX/XX/XXXX After making a large payment towards the card, the bank closed my account. I was told that due to autopay not working my card was closed. I explained the money was in my savings and that it was charged to my checking account instead. 

Appealed Citi Bank for Account to be reopened - XX/XX/XXXX I appealed to the bank explaining the issue and that I could provide a bank statement showing the amount of money in my bank account which was XXXX greater than the amount owed to the card. 


Citi Bank Re-Affirmed Account Closure - XX/XX/XXXX The bank reaffirmed its decision without any clear explanation and gave no reason. I have to believe that due to my race and name in the account, they did not believe my account funds were real. I always made timely payments and used the card for points at my local wholesaler 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 2019-07-26
Company: Experian Information Solutions Inc.
State: NV
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:
Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: KEYCORP
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use Key Bank bill payment services to pay my monthly home mortgage payment to XXXX XXXX. Twice in three months, the funds were removed from my account as scheduled, but not received by XXXX XXXX for weeks after withdrawn from my checking account, and resulting in hundreds of dollars of late fees for the two late payments. I have tried to resolve with Key Bank on multiple occasion with no success. Very frustrating. The Key Bank " BIll Pay Guarantee '' is worthless. 

The first payment of {$2500.00} was scheduled for XX/XX/XXXX and debited to my checking account on that day. The due date wasXX/XX/XXXX XXXX XXXX did not receive payment via check until XX/XX/XXXX 

The second payment of concern of {$2500.00} was scheduled and debited to my checking account onXX/XX/XXXX. This payment was not received by XXXX XXXX until XX/XX/XXXX 

The Key Bank bill payment Guarantee is copied below. I clearly met the guarantee criteria, but get nothing but a run-around with no helpful explanation or answers from Key Bank.

To take advantage of the Bill Pay Guarantee*, and ensure that your payments will be received accurately and posted by your payee, schedule your payments as follows : For electronic payments, you must schedule your payment at least 2 business days before the due date.

For check payments, you must schedule your payment at least 4 business days before the due date. 
For payments made to KeyBank and display a 'Key ' icon, you must schedule your payment on or before the due date.

Ensure that the payment information entered is accurate and enough time is allotted for processing based upon the guidelines above.

If payments are made within the guidelines of the guarantee and KeyBank does not properly complete a bill payment on time or for the correct amount, KeyBank will pay any late fees and finance charges that result solely from that failed bill payment and send any correspondence necessary to rectify credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit reporting 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 recently checked my credit and noticed there are a LOT of injuries that I did not authorize and have no knowledge of. I reached out to the credit bureaus who told me to reach out the creditor themselves. I called but they were not willing to help with removing them.

Company response to consumer: Closed with non-monetary relief