BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: CNG FINANCIAL CORPORATION
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Despite having made all the payments on this loan, XXXX continues to demand money from me. I ordered a stop payment on their automatic debits through my bank on XX/XX/2023, but I've continued to receive emails from their collections department, indicating that I have an outstanding balance of {$1000.00}. The most recent email was dated XX/XX/2023, and did not include any proof of the outstanding balance. On XX/XX/2023, I sent XXXX 's collections department a letter describing the situation, and with this letter, I included proof of all payments in the form of bank records and a copy of my loan agreement, listing the payment terms. Having received no reply to my letter and documentation, I sent a near-duplicate letter on XX/XX/2023. Ultimately, XXXX has failed to acknowledge my payments totaling {$4200.00} for an original loan amount of {$1200.00} at an interest rate of 220.40 %. They need to recognize my proof of the payments, acknowledge that the loan has been paid in full, and report the loan to all three credit bureaus as having been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
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 am writing to formally lodge a complaint regarding a persisting issue with Experian 's credit reporting services. Specifically, despite the resolution and closure of a previously reported collection account, Experian has failed to remove this item from my credit report. 

The collection in question, valued at {$380.00}, was paid in full and closed as of XX/XX/2023. Subsequent to the payment, I have diligently corresponded with Experian through multiple letters providing evidence of payment and closure of the mentioned collection account. Regrettably, these communications and documented proofs have been disregarded, leading to an inaccurate representation of my credit profile. 

The adverse impact stemming from this erroneous reporting has been substantial. It has significantly hindered my ability to pursue essential financial endeavors, such as securing a mortgage for a home purchase. Furthermore, the unjustified retention of this resolved collection has unduly lowered my creditworthiness, impeding various financial opportunities. 

I implore Experian to expeditiously rectify this error by removing the aforementioned collection item from my credit report. The persistence of this inaccurate information has not only caused undue inconvenience but has also resulted in tangible repercussions that detrimentally affect my financial standing and opportunities.

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 2023-11-29
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have an agreement with my loan servicer, Nelnet, to pay {$100.00} ( restarting in XXXX of 2023 ) to pay for my two federal student loans. On XXXX, I was charged {$590.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$300.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$590.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged $ XXXX for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$100.00} for " DEPT EDUCATIONSTUDENT LN '' ( I'm assuming this is the Nelnet charge ). 

I called Nelnet 's customer service line on XXXXXXXX  and was informed by their representative that they show no history of the two ( 2 ) {$590.00} charges and no history of the two ( 2 ) {$300.00} charges ; they only see history for the one ( 1 ) {$100.00} charge. My overall outstanding student loan balance of {$12000.00} has not changed over the past two months even though my bank account was charged {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: Rozlin Financial Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I have had no business transactions with Rfgi ( rozlin financial group, inc ) and they are sending me repeated emails to collect money. I have never done any business transactions with this company. I dont have any contract with them. They have no legal proof or proof of review of any collections account by an attorney. They are harrasing me by sending multiple emails for the money which I never owe them. I dispute their claims that I owe them any money. I have never done any transactions with them. I dispute their debt claims.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
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 hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my account. 

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service. 

Please check my account and, if it's feasible, take the late payments off of my credit record. This gesture, in my opinion, would go a long way toward mitigating the negative effects on my credit history and enabling me to work on improving my financial situation. 

Please let me know if there is any more information or supporting material you need, and I will send it over right away.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
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 am writing to express my profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report, which have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
These fraudulent accounts were reported without my consent and have caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately. 
It is astonishing that despite the overwhelming evidence provided, your bureau continues to overlook the severity of this matter and has failed to carry out its responsibility to maintain accurate and fair credit reporting. The continued presence of these fraudulent accounts is not only damaging my creditworthiness but also causing significant emotional distress and inconvenience.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been filing disputes on my credit reports because i am a victim of identity theft. I have submitted paperwork and an FTC report in accordance with the FCRA and the disputes are not being filed correctly and the FTC report is not being attached. Also I am not getting copies of the verification process and I have asked for them per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 2023-11-28
Company: Nelnet, Inc.
State: IN
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 have federal student loans that are currently serviced through Nelnet. I'm under a standard repayment plan. I used their system to set up an autopayment. Based on their dashboard, my auto-payment should be {$610.00} a month that comes out on the 3rd of every month. For the last two months, with no notification, Nelnet has debited my account for an additional {$430.00} on the XXXX of the month even though there is nowhere on my account that says this amount is also due. I've tried to call and have never gotten through and have sent them two separate emails about the extra payment that is being taken out of my bank account. I think Nelnet is either incorrectly taking out additional money or they are not being transparent on what the monthly payment should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Ascension Point Recovery Services, LLC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My mother died. I informed XXXX XXXX. They immediately turned the account over to collection and closed all access to her account. I have repeatedly sought her final bill. Now I have a letter from the the collection agency that there are over {$110.00} in fees. I have contacted the collection agency multiple times and they have been unable to provide the information. A call to XXXX is auto routed to the collection agency. Get me the bill so I know what is owed and if it is accurate and if it should be paid. And how can you charge a dead person fees?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Nelnet is servicing a student loan registered to myself. The website is constantly down, the wait times for calls are over an hour, so I've been unable to access my account, know what I'm being charged for, and the current status of the loan. 

I've also attempted to sign up for automatic payments or make payments online, which have failed almost every single time. 

I would like the company to validate the debt as well by providing the original promissory note. This is not a credit dispute as of yet, just want to be sure the debt is valid, related to any debt I actually incurred, and to provide those documents in a timely manner for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28
Company: Prince Parker & Associates
State: NV
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRINCE PARKER AND ASS IS TRYING TO COLLECT MONEY FOR A DEBT THAT IS NOT MINE THAT WAS OPEN VIA FRAUD FROM 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 2023-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX letter requesting documentations such as, XXXX. The original account number, XXXX. The original creditor, XXXX. The date the account was opened, XXXX. The date of my last payment, if any, XXXX. The amount of the original debt XXXX. An itemize statement documenting the debt amount you are attempting to collect, XXXX the purchase agreement. I requested those because another company is attempting to collect the same debt. They have failed to provide me with the purchase agreement each time I request, instead they are sending me statements. This is not ethical business practices, and they should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally Bank Case : XXXX I have been a legitimate Ally banking customer for many years and have several online savings accounts. On XX/XX/24 at around XXXX I received an email that my account was restricted due to suspicious activity. I called Ally and successfully verified my account. They asked me a series of questions which included asking if I've added a new XXXX recipient, I told them I did not. They also asked me for my cell phone and internet provided which I gave them. They asked me if I have transferred any money lately and I told them my son who is a college student deposited his financial aid money to pay for his tuition for a study abroad program into one of my accounts. They told me that was against the bank rules. I was not aware or I would not have allowed that to happen. They told me that I could not access any of my accounts and that my accounts are restricted pending an investigation. I have called and spoken to Customer Service and the Fraud Department and they will not provide me with any information regarding when a decision will be made for the ongoing investigation. I am a XXXX XXXX XXXX and have over 15 years of e-commerce fraud prevent experience. If I would have know this was against the bank rules, I would not have done it nor have I ever violated any other Ally bank rules and I have a great account history with Ally. I want to know when I will have access to my funds and I want my accounts to be unrestricted, instead being told that they can not provide me with the turn around time for when the investigation will be concluded. No well meaning customer will know all of the rules in the banking agreement. There is no one I can speak to in the Investigations Department and there was no supervisor to speak to from the Fraud Department. No one can help me resolve this situation so that I can access the money in my Ally accounts.

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 2024-02-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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 hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged 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 2024-02-04
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have already filed this once and it did get resolved, here we are again. In XX/XX/2024 they yet again changed it to in repossession. When in fact it is not. This is hurting my credit file and way of life. Please for the last time do something or Im sueing.

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 2024-02-03
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Flagship Credit Acceptance continues to sell incorrect information to XXXX. The note that is being used to make profits for Flagship Creedit Acceptance belongs to the Estate and since the estate has equitable title and interest rights all profits that have been made from the sale sis due to to the estate. XXXX is a data furnisher that sells information to various entities for profit missing private estate property for commerce is against federal law.

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 2024-02-02
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am writing to follow up on my loss mitigation application for forbearance. I have filled out the application and mailed it back to Shellpoint Mortgage Servicing at the address provided : XXXX XXXX XXXX, XXXX SC, XXXX. As you are aware, you are the servicer of my mortgage loan on the property located at XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. My loan number is XXXX. 

I assume that, like most mortgages, my home loan is federally backed and subject to the forbearance protections in the newly passed CARES Act. I attest and affirm that I am experiencing a financial hardship caused by the COVID-19 emergency, a job loss and a costly illness and request forbearance on my mortgage loan under the CARES Act for a period of 180 days. 

Please let me know if you need any supporting documents to expedite the process. I tried to reach you on XX/XX/2024 at approximately XXXX using the phone number listed on the website ( XXXX ) XXXX, but unfortunately, I was not able to reach you. 
XXXX, XXXX, Shellpoint mortgage has hired law firm to start foreclosure proceeding against my property and the foreclosure sales is schedule for XX/XX/2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX at XXXX XXXX  my bank credit card was charged for a XXXX purchase of {$36.00}. This purchase is valid. On the same date and time my bank credit card was also charged {$200.00} by a XXXX XXXX XXXX XXXX XXXX This transaction was not authorized. The XXXX employee charged my charged my card on his personal cell phone after he charged my card for the XXXX purchase. I disputed this charge with my bank where they gave me a provisional credit back to my account. I was then notified via letter that my bank denied my dispute stating it was an authorized transaction and withdrew their {$200.00} provisional credit. On XX/XX/XXXX I want to the bank and spoke with an employee who was able to print my transaction history showing both purchased were done at the same day and time. She said she would reopen the dispute on XX/XX/XXXX. After I left the back onXXXX I went to the XXXX location to see if I could handle this issue civilly. The XXXX manager told me I needed to file a police report as I'm not the fist victim this happened to and there is already an investigation into this now terminated employee stealing customers money. My bank should of done their due diligence as it clearly shows on my account both transactions were done on the same day and exact time.

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
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The card is our citi Costco credit card. Today I went to Costco and the card was denied for payment. Came home, called the Company and was informed that the card account was closed by them. I asked why and they would not tell me why XXXX  one of the Customer service reps asked if I have recently file for bankrupcy and I told him no XXXX then he hungup the phone.

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