BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over the past few years I have been fighting with these agencies to properly verify these debts of XXXX ( two debts ) and XXXX with this americollect account on my credit report. I sent a verification of debt to americollect which they responded ( see attached ) These companies have yet to remove this debt from my account. Nor did they conduct proper investigations on these accounts because americollect couldn't even validate them. 

I am requesting immediate removal of these accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: AES/PHEAA
State: KY
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:
For going on 4 years now I have tried to dispute this loan. First off it should not be showing up on my credit report from the school itself when I took out a FAFSA loan and they are already reporting on my credit so the school is fraudulently trying to charge me twice. They kicked me out of school in XX/XX/XXXX after I went to class one night and would not let me finish my 3 classes I needed to graduate because they said they wanted me to go back to my XX/XX/XXXX taxes and change my filing status. That is against the law and unjust and not ethical and my filing status has absolutely nothing to do with the school. I did not drop out nor quit they would not enroll me into anymore classes due to this. I have disputed and appealed this so many times with no turn around from this school. This school is a fraud and they were in a class action lawsuit for a ton of reasons including fraud and lied about the lawsuit not being true. The school also shut down where I live at due to the lawsuit. I need them off of my credit report ASAP!!!! When I call their corporate office they won't even let me speak to anyone they immediately send me to their collections department and continue to fraudulently report and try to charge me. I am also disputing this with the Dept. Of Education as well. The sooner it is removed the better because I am about to sue them. I am sick of them and sick of these profit schools trying to get over on people. I hope they all lose their jobs as well because they are defrauding consumers. Goes to show that just because it has University in front of the name they are still fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: National Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt was previously sold to two different debt collection agencies- XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX Per my previous complaint with the CFPB, this debt was legally guaranteed from XXXX XXXX  XXXX and XXXX to be deleted from my credit infinitely under the circumstances of obscene harassment and threatening me illegally. There is legal binding paperwork to prove this. However this debt was then sold to a third debt collection agency after being provided legal binding paperwork that this account was closed and deleted. On XX/XX/XXXX, National Credit debt collection agency reinstated the debt illegally on my credit report and has illegally given my personal information ( full name, birthday, and social security number ) to people who are not me and have not validated they are me. Therefore my identity has been compromised. They have also provided fraudulent remarks on my credit stating this debt is " severely past due '' and that I supposedly have " missed payments ''. They have also harassed me over a dozen times after stating to them to not contact me and threatened to take illegal action against me. As a result of these illegal activities from this debt collection agency, I am letting this complaint serve as a final notice for this to be deleted from my credit with written confirmation again. If this is not the result, I will have my attorney be in contact with this agency. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank account with Wells Fargo was accessed and funds stolen by a unknown individual/ group. A police report was filed and Wells Fargo was notified as soon as I noticed the issue. 

Wells Fargo has returned roughly {$900.00}, but is refusing to return ~ {$1500.00}. They also allowed additional pending transactions to go through after being notified of the fraud, then charged overdraft fees. Wells Fargo has been grossly negligent in detecting fraud, safe guarding money in my account and handling this fraud in a responsible manner. Suitable solution to this issue will be to cancel all overdraft fees and return the money they were responsible to safe guard.

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 2021-05-27
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I enrolled in Freedom Debt Relief ( FDR ) Program to consolidate 6 credit cards and to lower the original amounts owed. I spoke to a representive XXXX XXXX and he stated I can pay {$160.00} bi-weekly and they will pay all my credit cards over a 2 year period. I was told if I get any letters from any credit card company to foward it to FDR and they will take care of it. I was also told DO NOT pay ANY credit cards or make any settlements. After 2 years with this program I noticed no settlement was made for 1 of my credit cards, which was XXXX XXXX credit card. I owed {$3900.00} when I enrolled. 

XX/XX/XXXX I received a letter from a law firm XXXX, XXXX XXXX XXXX stating my XXXX XXXX credit card was sent to them due to non payments. The letter stated I owed {$4500.00}. due to no payments made on the account and late fees. I called FDR and asked why no settlement was made on this credit card and was told there was not enough funds in my account. I was told to foward the letter to them, which I did. 

XX/XX/XXXX I called FDR to inquire about the XXXX XXXX account and asked why no settlement was made and was told not enough funds in my account. I was told a settlement will be made in XX/XX/XXXX once they pay off 2 other credit cards that had smaller balances. 

XX/XX/XXXX I spoke to FDR and was told that the lawyer representing XXXX called FDR and asked for a 1 time payment of {$3200.00}. When I asked why I wasnt informed, I was told " Do you have {$3200.00} to make that payment ''? I said of course not. I then removed the XXXX XXXX account due to them not making any settlement. 

XX/XX/XXXX I called FDR and terminated my account. 

This outstanding balance is on my credit report and it is damaging my credit. 
I am trying to refiance my truck and I am getting denied because of this account on my credit report. I would like to have FDR held accountable for mishandling this account for 2 years and not informing me aboout the settlement the law firm offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : 05/09/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Paid off on car but still paying on it..interest loan exceed States lawsays we had a second loan

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 2023-07-05
Company: Rausch Sturm LLP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been calling for a week has been showed paid. For a week. Everyone refuses to notify my employer even though my checks are about to get garnished. No one will help. The list guy said yes I have to by the extra until their attorney gets the release in even though the attorney w 's in the file. I was refused to be transferred to supervisor. I told them hen they get the garnished check from my employer to not cash it and send it back and he wont do that either. They are not make any effort to not take extra. XXXX XXXX rausch and strum 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 2021-09-06
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've disputed several creditors numerous times due to a false report made on my credit for a " medical bill '' they have all taken the debt off of my credit report ... fast forward to today I went to check my score ... There is a Phenix Financial Services trying to collect this same debt! Which in the past other creditors have tried to collect and when disputed it was taken off ... With Phenix I've sent them a request asking them for proof of debt about a year ago and it said it was removed but it's back on there! THIS TIME IT SHOWS THE SAME AMOUNT {$1100.00} REPORTED 8 TIMES IN THE SAME DAY FROM THE SAME ORIGINAL CREDITOR " XXXX XXXX XXXX '' with " PHENIX FINANCIAL SERVICES '' TRYING TO COLLECT ... Then there is another one with a different price of {$580.00} THAT IS LISTED TWICE IN THE SAME DAY by the same collections agency " Phenix '' for the same original creditor! Then it shows AGAIN for the amount of {$110.00} by them! So now I have 12 times in the same day Phenix reporting to my credit to collect a debt they bought from XXXX XXXX XXXX that I've disputed in the past and it had been removed! I don't even know who XXXX is or what Medical debt they're talking about? I never recieved a bill either! I'm a hard working mother of XXXX I've been saving for the last 12 years to put money down to buy a home I've been working on my credit for the last 6 year 's and now I have to deal with this! If this isn't illigal it ABSOLUTELY SHOULD BE! 12 TIMES! THE SAME AMOUNT IN THE SAME DAY FOR THE SAME THING?! THEIR BILLING PRACTICES AND DEBT REPORTING ESPECIALLY DURING A TIME LIKE NOW WITH COVID GOING ON IN THE MIDDLE OF A PANDEMIC WILL CAUSE ALOT OF HURT AND A LOT OF DAMAGE TO FAMILIES TRYING TO DO THE BEST THEY CAN IN THESE CIRCUMSTANCES! THIS IS NOT RIGHT and I ask that you please look into how they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has not provided me with the proper documents to validate they have the right to collect on this debt nor did I received a letter about the debt before it was place on my credit report. Here are the documents I requested : 1. Proof that you either own or were assigned the debt from the creditor. 
2. Proof that you have the right to collect this debt in my state. 
3. Proof that your company carries a bond. 
4. Proof that the Statute of Limitations has not expired. 
5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Copy of the original contract bearing my signature. 
7. Your license numbers and Registered Agent 8. Name and address from the original creditor. 

Convergent on XX/XX/26 sent me a copy of a bill which is not a valid proof of ownership.

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 2022-04-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ally financial is reporting my vehicle payment late when i made my payment before the 30 days late, I'm demanding that they fix the reporting to the credit buraus since its false information.

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 2022-06-20
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX - XXXX XXXX XXXX has violated my rights. 
Department of ED / XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX ) has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any communication from XXXX, and do not acknowledge the debt as my responsibility. Additionally, XXXX lists a wildly deceptive date for the opening of that debt ( XX/XX/2020 ). No communication, and false information regarding the age of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/22 I put in a request thru the Tesla App ( attached ) to terminate my lease early. The original termination date was XX/XX/22, and due to the fact I purchased another car - needed to terminate early. 

I received a ( attached ) quote from Tesla that was good thru XX/XX/22 to return with {$0.00} owed. I returned the vehicle to Tesla on XX/XX/22 - prior to the XX/XX/22 commitment date. 

Confirmation from Tesla " Thanking '' me for returning my car is also attached as well as screenshot from the Tesla App showing a XX/XX/22 return date. 

On XX/XX/22 I received an email from Tesla ( attached ) that my " Early Lease Termination Request was cancelled '', immediately following this e-mail I received another e-mail from Tesla that " My Payment was processed ''. In addition to the e-mail, Tesla processed a lease payment ( {$600.00} ) against my XXXX checking account ending in XXXX for the term XXXX even though I had returned the car and have documents stating that {$0.00} was due. 

I emailed Tesla XX/XX/22 and have received no reply. I also tried to contact Tesla finance, and there is no option to talk to a representative, only " leave a message and they will call you back '' Based on my terrible experience trying to turn the car back into them ( and their lack of responsiveness in all prior communications to return the car ) - I want to ensure that A ) my {$600.00} is returned as soon as feasible and B ) other consumers are aware that Tesla 's end of lease practices are not consumer friendly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Good afternoon I am looking into loan forgiveness for the my loan. It was with XXXX XXXX- is there any assistance available at this time. Since the school is no longer open and never assisted me in finding employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Navient Solutions, LLC.
State: PR
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:
NAVIENT between XX/XX/XXXX and XX/XX/XXXX placed me in forbearance for at least 36 months in violation of Federal rules even when my monthly payment under an IDR plan could have been as low as zero dollars. The Federal government through its Department of Education generally limits forbearance to 12 consecutive months or three years total after which payments should resume.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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 filing 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 non-monetary relief