BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The following debt in collections is not mine Jefferson capital sy account # XXXX the signature on the original with XXXX XXXX does not match mine AT ALL as I was living in XXXX Colorado at the time and purchased items was in California. According to 15 U.S.C Sec. 1681 i ( a ) they must provide proof this account belongs to me or be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 XXXX ( original Creditor ; XXXXXXXX XXXX XXXX XXXXXXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX  ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXXXXXX XXXX ) Account # XXXX, has violated my rights. 
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the XXXX XXXX XXXX XXXX, XXXX account number XXXX, has violated my rights. 15USC 1681 Section 602 8 States I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2. I also state a consumer reporting agency can not furnish my account without my written instructions. I know I have the right to privacy the following other accounts also have violated my rights. CB/VICSCRT account number XXXX, XXXX account number XXXX. A second XXXXXXXX XXXX XXXXXXXX. XXXX account number XXXX. XXXX? XXXX account number XXXX. National Credit Adjust account number XXXX. XXXX XXXX account number XXXX XXXX account number XXXX.

Company response to consumer: In progress
Consumer complaint received 2020-07-31
Company: Continental Services Group, Inc. d/b/a ConServe
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Morning or Afternoon, Please see the attachment! - My name is XXXX, and for the last 6 months, I been trying to resolve a student loan collection of {$2400.00} with ConServe, a debt collection agency on behalf of XXXX XXXX. I finally got hold of someone like 90 days ago and resolved the account and paid off the entire balance. I was told by several representatives that once that payment clears, and I should give the company up to 30 days and they should be able to demand the credit bureaus to PERMANENTLY DELETE THE TRADELINE FROM MY CREDIT REPORT. I was actually shocked when I reviewed my credit report and found that it still reports as such. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keeping having the positive experience that I have had with you in the past. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a immediate deletion of this account from my credit report. Also, look at the DATE OF LAST PAYMENT, the account status and payment status hasn't been even updated. Please deleted as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lived in my home for nearly ten years with never missing a single payment. My initial Mortgage was with XXXX. I did not escrow my taxes and I paid them directly. On the last day taxes were due I drove my family to our local courthouse and paid the entire tax amount in CASH as a lesson to my XXXX  kids that we never own our hours. Six weeks after I paid the 3 different tax authorities XXXX XXXX  paid the same 3 taxes. 

XXXX then put me in a Escrow account, - {$8000.00} for the taxes they paid and then an additional - {$100000.00} for the next years taxes. They attempted to auto withdraw XXXX from my bank as I was set up on autopayments. My bank reversed teh XXXX withdrawn as the funds were not available. 

XXXX said they would get the refund from the tax authorities and then back out my fees and added interest. 

I continued to make my normal Mortgage and interest payments and XXXX applied this to my neg escrow and not my loan. Incurred late fees every month and did not pay down the principle due to XXXX not applying the payment to my loan. 

I was assured all along once the tax issue was fixed they would back out all of the fees, extra interest and get me out of the escrow account. 

While this was happening my loan was transferred to Seterus and I started the process all over again. Once again they assured me that once the issue was resolved all of the fees and extra interest would be backed out of my loan. 

I sent them all of my documentation of my payment and the payment from XXXX to the same 3 tax authorities. 

They claimed they were researching my issue but they raised my monthly mortgage payment from {$1500.00} to {$2500.00} per month. When I got behind they threatened me with foreclosure and being evicted from my house of 12 years. They forced me to refinance my mortgage, they doubled my loan term to 40 years, raised my interest rate and I had an extra $ XXXX of principle added to my mortgage. They said I had NO choice and once the tax situation was corrected they would convert back. 

Then my loan once again changed hands to Mr.Cooper. 

I have over 80 hours on the phone with Mr.Cooper, they are telling me the same story as the previous two companies. Every 2 hour phone call ends with, " We will research the issue and get back My loan is backed my XXXX XXXX and I called them today as well. 

Right now my complaint is with Mr.Cooper and their one year of not once researching my issue or returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report regarding the following accounts : XXXX XXXX XXXX Late Payment Account XXXX  XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXXXXXX XXXX Collection Account XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX Collection Account XXXXXXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX  XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these accounts contain inaccurate information and are damaging my creditworthiness. The following laws support my dispute : The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate information on my credit report. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate information. 
The Consumer Financial Protection Bureau ( CFPB ) enforces federal consumer financial laws and protects consumers from unfair, deceptive, or abusive practices. 
I request that you investigate these accounts and remove any inaccurate information from my credit report. Please provide me with a written explanation of your findings and actions taken within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-09-20
Company: EQUIFAX, INC.
State: PA
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:
The credit companies drop my score @ XXXX because of the XXXX bankruptcy. I have not missed any payment since XXXX and the had that on record for almost 7 years and they still bring up, after they try to get to join boost or get one of their credit cards. Its Equifax and XXXX not sure of XXXXXXXX XXXX I believed that I am being bully because the hold all the cards! This all just happen in the last 2 to 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in 2015 I was found unconscious and rushed to the hospital. I had an XXXX that had XXXX  causing my XXXX XXXX XXXX XXXX XXXX. I was in a XXXX for a bit and it took a while to get out of the hospital. It took even longer before I could get back to work as the injury had caused such severe memory issues that kept me from being able to hold a conversation or remember something for more than 2 minuets, at best, at a time. We immediately met my max out of pocket amount from my insurance company. My parent was advised that due to my circumstances she should draw up a letter of financial hardship to request help from the hospitals charity which was approved. The hospital 's charity took care of my out of pocket liabilities and my insurance company covered the rest. I was informed by my mother, who was handling all of this in my diminished capacity, that XXXX had sent a bill which she forwarded to the insurance company which reviewed the bill and told her they had already paid them their negotiated rate so do not pay this bill or anything they send you in the future as we were not liable for any other charges. Five years later I have had multiple collections companies try to collect on this same debt I was told by my insurer I didn't owe. I have had medical issues I've tried to get funding to resolve, that because of these collections agencies, I couldn't and still can't get funding for and have still yet to get fully resolved. Because of my time out of work, my diminished mental functioning at the time and getting laid off this caused us to lose my mother 's car, our apartment and caused massive amounts of financial struggle. XXXX of XXXX XXXX XXXX is the initial issuer of debt and the newest collection agency to acquire this undue debt is PHNX FINAN according to my credit monitoring tool. Please help get this resolved as this has caused extreme amounts of stress and further health issues not directly tied to a very traumatic period of my life half a decade ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX " apparently '' verified that I have an unpaid debt and account abuse of XXXX ( XXXX ) checking acounts with them ACCOUNT ENDING IN XXXX, per what XXXX is stating Yet again, chexsystems have failed to provide me with a copy of any viable evidence submited by XXXX. Be advised that the descripton of the procedure used to determine the accuracy and completeness of the informaton is hereby requested, to be provided within fiteen ( 15 ) days of the completon of your re-investgaton. Additonally, please provide the name, address, and telephone number of each person contacted at usbank regarding this alleged account. I am formally requestng a copy of any documents provided by usbank, bearing my signature, showing that I have a legally binding contractual obligaton to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verificaton or validaton of any alleged debt and account abuse of a checking account ( s ). Be aware that I am making a final goodwill atempt to have you clear up this mater. The listed item is entrely inaccurate and incomplete and represents a very serious error in your reportng. Failure to comply with federal regulatons by credit reportng agencies are investgated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communicatons with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Atorney General 's office, should you contnue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims acton against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamaton 2. ) Negligent Enablement of Identty Fraud 3. ) Violaton of the Fair Credit Reportng see attached additional documents and 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 2022-04-27
Company: Stellantis Financial Services US Corp.
State: AR
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:
First Investors Servicing Co. XXXX XXXX XXXX sold - XXXX XXXX In accordance with the FAIR CREDIT REPORTING ACT, First Investors Servicing Co. has violated my rights. 
15 USC 1681 section 6028 states I have the right to privacy. 
15 USC 1681 section 6048 section 2 also states a consumer reporting agency can not publish an account without my written instruction.

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 2021-12-03
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently release from prison and checked my credit and found collections that I am not responsible for. I was a victim of id theft. The collection is from COLLECTION BUREAU OF F Original creditor. Below is a copy of transactions. 

ccount Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$260.00} {$260.00} Payment Info Original balance {$260.00} Balance {$260.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Nelnet, Inc.
State: AZ
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:
My loans with NelNet went out of deferment even though I am a XXXX XXXX XXXX until XX/XX/2024. Specifically a XXXX XXXX loan from XXXX. My school ( XXXX XXXX  ) has communicated my status as a XXXX  with no problems. I was charged XX/XX/XXXX and XX/XX/XXXX. My checking account was charged using auto debit which I had never approved or signed up for. I never provided NelNet with my checking information and I had never made an account as I am a XXXX XXXX XXXX still. I was given no warning, and there was no communication by email, mail, or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: RLB Texas Auto Center LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TAC Acceptance Group ( Texas Auto Group ) is reporting false information on my credit report. I filed a XXXX XXXX bankruptcy in XXXX of 2023 and the vehicle was included in that. The vehicle was returned to the Texas Auto Center after my discharge which was granted XX/XX/2023. 

The vehicle was removed off my XXXX credit report after vehicle was returned and a month later on or around XX/XX/XXXX they reported the vehicle back to my XXXX Credit report as being 30 days late, which also made my credit score drop over 60pts. 

I have filed a dispute with XXXX 3 times now and submitted my bankruptcy paperwork and they come back with the same results as account verified and accurate which is not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Request my 3 credit reports, I saw I had an medical collection under First Federal Credit C ( Proper Name Does Not Show On Credit Report ) Charging Me The Amount of {$670.00} account XXXX as shown on report I request information about this account and never received it, I have dispute and requested proper validation and verifation of such account and that has been unsuccessful. 
I am formally asking for this item to be solved and removed from my 3 credit reports as stated by the fair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Nationwide Financial Group
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2017, I sent Nationwide a copy of my driver 's license, power of attorney ( notarized ), a signed authorization form and the title to the XXXX XXXX motorcycle. Before mailing them to Nationwide, I made XXXX copies of the documents and scanned them to my wife 's email so that we would have documentation of what we forwarded to Nationwide. 

Nationwide insists that they never received the title to the motorcycle. I spoke to them on several occasions letting them know that the required paperwork was sent to them. In addition, Nationwide has raised my interest rate from approximately 7 % ( the reason I chose to refinance with Nationwide from my original lender XXXX XXXX ) to 24. 99 %. My monthly payments have gone from XXXX to XXXX a month. They have done so because Nationwide claims that they never received my title. 

Additionally, I called and asked to cancel my motorcycle insurance ( as I had relocated to Florida and would no longer be required to have insurance ) and yet they failed to update my account in a timely manner. They have sent my account into collections and a collection company is charging me XXXX. I was always on time with my payments and this is an unfair charge.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-28
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX I fell and XXXX XXXX. I was a XXXX contract employee and could not get XXXX. I had a hard time working and even needed XXXX. I unfortunately fell on hard fiscal times and missed several payments on multiple credit cards. 
I spoke with Discover in XX/XX/XXXX. I had missed several payments and was over my {$5000.00} limit. 
I was given 2 options as to what I could do about my missed payments. Option 1 was close my account and enter in to a low interest payment program for the term of the repayment. The 2nd option was I go in to a repayment program and after 12 months, I was told I would get my card back. I even asked if I make all my payments for 12 months would I get my card back and was told I would. 
In XX/XX/XXXX after making every single payment on time I wasn't given my card back. I called Discover and was told that they would have to do a review to get my card back. I wasnt told this in XXXX of XXXX. I was also taken out of the repayment program and my interest fees were doubled as was my minimum monthly payment. ( From {$75.00} to {$150.00} ). Even with this hardship of double the amount of my payments I still made my payments every month. This added {$75.00} additional payment lead to many hardships for me. There were months were I couldnt even buy food. I still held up my end of the deal and made every payment. 


In XXXX of XXXX I began to try to repay all of my debt. By XXXX of XXXX I paid down most of my debt, including Discover. 
On XX/XX/XXXX I received an email that my discover card was being closed. Even though I did all they had asked of me. If I wasn't lied to in XXXX I would have taken the option to close my card then and taken the other program with lower interest for the entire program. 
Discover 's dishonest tactics ended up causing significant hardships as well as over {$1000.00} in additional fees.

Company response to consumer: Closed with explanation