BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: Nelnet, Inc.
State: MI
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:
The original loan amount was {$3200.00}. I requested a refund of payments made during the XXXX student loan pause ; I had {$900.00} remaining and had paid {$2300.00}. Refund checks were dispersed on XX/XX/XXXX, and duplicate checks were dispersed on XX/XX/XXXX. On XX/XX/XXXX, I deposited an amount of {$2300.00}. I received a call from a NelNet representative asking me to destroy the extra checks which I had already done. On XX/XX/XXXX, I received a letter about the duplicated checks with instructions to make a payment of duplicated or mail the checks back. On XX/XX/XXXX, I called NelNet to inform them of the prior phone call and to let them know I destroyed them- they said they would make a note so the duplicated refund wouldn't be charged to my account. 
On XX/XX/XXXX, I checked my account to see a balance of {$5600.00}, when it should've been {$3200.00}. NelNet added an extra {$2300.00} to my account because I destroyed the checks and assumed I deposited!! I called NelNet, and they said they submitted paperwork about the error, and I will be reached out to in XXXX days. on XX/XX/XXXX, I received a missed call from NelNet, and called back to find there was no new information and they were still " investigating. '' On XX/XX/XXXX, I called NelNet again, and the XXXX said she opened a ticket for accounting to specifically investigate. She said to expect XXXX weeks for the issue to be fixed. It is now XX/XX/XXXX, and my account still has an incorrect balance of {$5600.00}. 
I have the checks I cashed ( only {$2300.00} ), and statements proving so. NelNet needs to remove the extra {$2300.00} from my account ( restoring it to {$3200.00}, prior to any payments made in XXXX ) as it was never paid out. They can trace the checks to determine this is true. This should not still be a problem a year later when the mistake was on NelNet from their miscommunication within the company and to customers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They go by Natilonal Credit  Adjuster  or  XXXX , They have repeatedly called my job on several occasions harassing my co-workers and supervisors saying that they are trying to find me and other personal information. My Supervisor even had a talk with me worried that a personal  investigator or  something was trying to find me. They can not call my place of business and leave voicemails and harass others frequently. They called in    XXXX   XXXX     2017, and   called again on    XXXX   17. And t hat is just the recent ones that I can remember! I have been in to uch with them and they say that they will send me verification of the debt, which they have not. They also say that they are going to serve me with a summons several times, which they have not. they say I have a case # which is not valid as a court case #. I know the law and informed them that this is misleading and they tried to say that I was getting hostile and it I did n't admit this debt they would be forced to seek legal action which they have not!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX and XXXX are in violation of The Fair Credit Reporting Act ( FCRA ) my credit report has account that have been reappeared after being previously removed, making me a victim of an improper reinsertion of credit data. I understand that The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless they receive a certification from the data furnisher ( XXXX ) that the information is correct and then provides notice to the consumer that the information will be reinserted. This never happens.. I understand that : If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, that it will a fraud XXXX has continued to very to Equifax and XXXX that the account has a {$100000.00} balance even though Recent payment was {$100000.00} as of XX/XX/XXXX. And XXXX record shows {$0.00}. balance. 
Report XXXX Date Generated XX/XX/XXXX Before After XXXX XXXX XXXX ________________________________________ Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name XXXX XXXX XXXX Account XXXX Account type Education Responsibility Individual Date XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance updated- Recent payment {$100000.00} as of XX/XX/XXXX Monthly payment- Original balance {$100000.00} Highest balance Current / Terms met XXXX Closed Reappeared as XXXX XXXX XXXX XXXXXXXX XXXX details XXXX XXXX  paid off Balance {$100000.00} Balance updated XX/XX/XXXX Original balance {$100000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2021 Installment loan XXXX XXXX  BAL : {$870.00} BAL : {$820.00} DEROGATORY ACCOUNT STATUS : CLOSED ACCT # : XXXX CHARGED OFF THE ACCOUNT ABOVE SHOWS BILLING ERRORS OF INCORRECT BALANCE AND ACCOUNT STATUS I have reached out to all 3 Entitys about this billing error on my credit reports. EXPERIAN, XXXX, & XXXX to fix this matter and remove the account due to the violation of my consumer rights and non consent of my signature approving to furnish my account with these charged off accounts. The entitys have refused to do their actual duties of research in correspondence to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard Credit Inquiries, XXXX XXXX XXXX telephone company did unauthorized Credit Inquiry, XX/XX/2020, I was no where and did not apply for Credit, I use XXXX XXXX, and have no intention to change, also on my credit report from Equifax there is no contact information, no location, Phone number or person listed, this is a bit of a concern! I would like it removed but without contact information I have no way to get it corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Village Capital & Investment LLC
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Village Capital & Investment LLC, you have been sent the following notice in relation to your attempts from collecting alleged debts and present debts Not OWED to you ; Debt Validation notice, cease and desist and billing error notice. You are attempting to collect alleged debts from ( a federally protected CONSUMER and not a customer that extended my credit to you, and you have been taking advantage of me ) without any authorization or authority to do so. You are exhibiting UNFAIR DEBT COLLECTION PRACTICES in your attempts to collect these alleged debts violating federal law 15 U.S.C 1692 and are not maintaining business practices consistent with the Truth And Lending Act 15 U.S.C 1601 nor the fair billing act 15 U.S.C 1666. You are required by LAW to adhere to these regulations and maintain business practices consistent with these laws, also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 U.S.C 12 1831n. Your actions lead to a violation of the law and your oaths to maintain these practices in your business dealings. As the natural person, I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached notices. As a consumer, I have a right to dispute ANY act that violates me as a natural person. As congress has stated YOU are a debt collector pursuant to 15 U.S.C 1692a ( 6 ) and your adherence to this FEDERAL LAW is NOT optional. In my attached notices I have demanded several original documents, if your claims hold any merit you will have no problem providing proof. This demand is NOT optional you are REQUIRED pursuant to the freedom of information Act Act 5 U.S.C 552 to provide ALL the information that was demanded the exact way it was demanded. Any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the ORIGINAL CREDITOR and CONSUMER involved in the alleged debt, I am demanding you comply with the demands in this attached notice. The affidavit must be answered point by point. I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt, your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable for your WILLFUL NONCOMPLIANCE with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: DISCOVER BANK
State: NM
Product: Credit card or prepaid 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:
I was paying monthly to lower the balance on the card. Each month I was paying the bill, but 80 to 90 % of the payment was going to interest on purchases. The balance kept increasing. This happened every month. I got to the point I couldn't keep up with the bill. 
This seems to be what Discover had planned. i believe mostly to line their pockets and didn't care that i intended to concentrate on paying the balance. This occurred every month. The balance continued to grow and there was nothing I could do about it. After a period of time it was impossible to keep this up. I had to give up trying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Convergent Resources, Inc.
State: SC
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:
Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my instructions.

written 15 USC 1666B : A creditor may no XXXX  treat a payment on a credit card account under an open er consumer credit plan as XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-03-22
Company: ALLY FINANCIAL INC.
State: AL
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:
Company illegally repossessed a car from me when they asked for proof of payment they stated they only had a fax # so sent info to them to find out they dont have an office.Then they sent it to a firm to collect paid settlement because I was being harassed and then that company couldnt send a settlement paid letter so they sent it to another company to collect now Im being harassed by them. I have tried calling the company for a year they dont even have a valid phone number to talk to anyone and they also dont have a valid address to send information in certified letter. They also have it listed on my credit report as at least 5 different amounts owed and they report it every 1-6 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have very good rate on our mortgage its 2 percent for the life of the loan. My mortgage was with XXXX XXXX and I did a one those ygrene program to change my windows and doors and XXXX they supposed to add the loan with the property tax and add it to the monthly payment and our payment going to go up XXXX dollars more and we ok with that but XXXX did not do that and made my Escrow account behind and short and they told me to pay XXXX to fix the escrow account I told them you pay or fix it its your mistake I didnt not do anything wrong they refused the they agreed after all to fix while I was waiting for XXXX to fix it I got a letter in the mail telling me my mortgage was sold again for the fourth time to company called Fay servicing and since Fay servicing had my loan they refused to help or fix the problem but they want to take my house from my family and I had to get attorney to save my home so far no luck and cost {$1500.00} a month for the attorney since 2019 Also the pandemic has put us behind another year and now I owe XXXX to Fay servicing and my attorney wants to file another lawsuit against Fay but we are so tired of all this I cant just walk away from our home with XXXX kids and my wife stay at home mom Im the only income right now my income is XXXX a year I know Im able to offered my home but Fay servicing they say I cant offered it its better to sale my home or they will take it from us. 
Fay servicing is Unfair practicing against us and discrimination against us every time I call they tell things like sell your house man and make couple dollars before we take your home from you and other time they tell take money from XXXX to save your home because we not going to help or work with you. And last phone call they told me if you sue us we going to take your home from you after that I spoke to a manger I told her whats happening and she say I cant talk to you anymore because you have attorney we are not allowed to talk to you and I told her you guys call me all the time and she was pissed off at her team.

Fay servicing very bad company They do unfair practice and they discriminate against people. I have four other mortgage companies before but like fay I have never seen anything like this. 
Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX, 2015, I called XXXX XXXX, to pay {$190.00} to my XXXX Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. XXXX refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by XXXX XXXX is unfair and unjust and it violates 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Received phone call over the past few days, last one received from XXXX. Previous phone numbers were XXXX and XXXX. 

Caller with a foreign accent claimed that they were calling with Bank of America for an unpaid bill of {$890.00} USD that was about to go toward their credit bureau. They had the last four digits of my social security number, full name and cell phone number. 

I notified the caller that this is a business line, but she stuck to a script repeating the same suggestion to be transferred to the credit bureau. The line was transferred directly to XXXX and a man with a foreign accent attempted to verify my information again. At this point I hung up. 

The caller ringed me again and my daughter took over the call stating that my Bank of America correspondence settings are strictly through bank 's website via encrypted messages and/or email. There are no telephone call settings whatsoever with Bank of America. She proceeded again with the script and my daughter interrupted her to add my number to the Do Not Call List and do not call again. We will call Bank of America and XXXX directly. We asked for her contact information to report it. 

Note : we can not add our number to the Do Not Call List as it is an active Business Line. 

Her information is as follows : Name : XXXX XXXX XXXX : XXXX Company : Bank of America Employee ID # : 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 2021-07-21
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Credit Collection would verify the debt. So I took it upon myself to ask credit collection for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Ogden Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX is the office that I received the loan from, This account is not in bad debt but in good standing. I am complaining because if I am just a day late on the payment, they call me NON STOP and leave threatening messages. They also come to my house repeatedly and this payment that is owed is not even 30 days behind. I am tired of them harassing me, I didn't even know you could threaten people with suit and with seizing property unless you were pretty behind like 90 days? I mean not even barely a day late and the phone calls are non stop. They are so rude to me in the office and when they come to my house, they have done this since day one and all through Covid restrictions when people weren't supposed to be using debt collection practices. They send very nasty letters and text messages, they also send threatening voicemails.

They are breaking alot of rules at this place of business. I think they need to reevaluate their office rules and practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX paid off card XXXX paid in full on web site. No past due balance paid off early. Found out in XXXX I had a past due balance because on XX/XX/XXXX they charged me a finance charge on my XXXX  balance of XXXX and then on XX/XX/XXXX a late fee of XXXX on that XXXX finance charge then on XX/XX/XXXX a XXXX minimum interest charge. 
In XXXX I called and requested the card be closed and even though I did not feel I owed it I paid the XXXX and was told no other charges would be assessed. Today XX/XX/XXXX I noticed the account still open and a charge XX/XX/XXXX for XXXX minimum interest, XX/XX/XXXX XXXX late fee and XX/XX/XXXX XXXX minimum interest charges. 
I called and was told the account was not closed and the person offered to refund the fees ONLY if I left the account open./ He also could not guarantee I would not get fees next month even with the account closure and the fees gone. He said I would still have a balance next month. I asked to speak to a manager and I was put on a silent hold for 40 minutes until the call disconnected. I called the fraud department who refused to open a case to investigate but said they would credit the {$6.00}. 
No resolution- according to the fees I will never have a XXXX  balance. They are shady and dishonest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Monday XX/XX/2021, I received a fraudulent call from a person representing themselves as Bank of America. The call came in as caller id as Bank of America. The caller had much of my personal information and said they were calling to stop a fraudulent XXXX transaction for {$3500.00} from being paid from my Bank of America account. They walked me through the steps to redeposit the money back into my account and said they would call me back in 24hours. They did call but this time from a number with no caller id. The call dropped during the conversation. I then called Bank of America to inquire about the status of the the re-deposit and there was no record of such a call. The bank told me I had been frauded and that they would open a case and try and get my money back. The receiver of the funds banked with XXXX. The bank told me that it was unsure if and when I would receive my money. I think since Bank of America offers XXXX to its customers directly in its apps and online banking they should have accountability.

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