BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.

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 2020-07-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I request assistance due to the COVID-19 pandemic from Carrington Mortgage Services on XXXX XXXX. I was approved for a 90 day forbearance and was given notice of by email on XXXX XXXX. When I called to discuss the terms of what it would be on XXXX XXXX, as in a deferment, balloon note or spread out over " X '' number months, I was told it would be determined in 90 days. The company would not give any determination of it until the 90 days was over. You could apply for the deferment just before the 90 days ended but if disapproved you were stuck with one of the other two options which you would not know which until the 90 days ended. The lady on the phone even questioned why I was asking for it since my house note was not behind. This company bought the mortgage from XXXX. How can someone determine if this will help them if you don't know the plan until you went 90 days without paying the note then you are left to whatever they decide. You can't make a decision base on hopes. Then to question why I asking for help before I'm behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my bank informed me that they were closing my accounts. I had just received two deposits two days before. I had several ach withdrawals which they let go through until the XXXX. I contacted them at least three times trying to get my funds withdrawn. I have three direct deposits going to that account. I'm a retired XXXX XXXX veteran. I've been associated with this bank since XXXX On the XXXX I was transferred to the complaints department and explained my situation. I told the rep XXXX XXXX ) that I just got out the hospital and had an XXXX due my XXXX. Told them this was a medical emergency. She said that the complaint was forwarded to another department and they would contact me in 24-48 hours. I called again at the 54 hour mark and they said that my case was pending. The biggest issue with this is they claim not to be doing business with me but they still have my account on " deposit only ''. My deposits keep going into the account ( {$11000.00} ). They said my account is closed and have give me 69 days before they can send my funds. Totally unacceptable. I have contact the Texas Attorney General 's complaint department and they sent a letter but it seems that they will not engage USAA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Navient Solutions, LLC.
State: OH
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:
Hello, I was approved for student loans from Navient in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Throughout this time and for most of my life, my income is well below poverty level and my credit was adverse. I believe that Navient disbursed student loans to me, which I was not qualified to receive. I would like Navient to provide documentation showing my XXXX XXXX at the time of each loan application, which would be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information will be necessary to review remediation options with Navient for my outstanding loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought a Nissan Altima XXXX in XX/XX/XXXX for my son. The car was totaled in XX/XX/XXXX. My insurance and Gap insurance Paid the loan. Through the same loan, the dealer was paid for maintenance for four years. Even though the dealer was paid for maintenance services that was never redeem, Nissan Motor Acceptance Corporation send me a bill without total the amount of money received from the insurances and the refund paid for maintenance services against the loan amount. 

When I contact them and asked for an itemized bills showing what was paid against the loan among, the customer agent get frustrated and said that I should accept that I own them and send me a letter without showing how they come with the total of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
On XX/XX/2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CNG FINANCIAL CORPORATION
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/21 received a robocall regarding an old debt which was paid last year in full. The recorded message stated that my employer would be notified as well as the HR department and that this would be the only attempt the collection company would take to reach me to fix the situation. I called the collection company back on the number in my caller ID because the message went too fast to get written so it was the only number I had. When the phone was finally answered by the collection company, I was half way through explaining what I needed help with and the receptionist or whomever hung up after telling me that its my problem that I have the debt and I should have been writing as soon as the call came into my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing which is more or less a bill collector they bought this mortgage from a XXXX they are doing the same thing fraudulent billing incorrect billing not being credit for payments made and I have a bankruptcy attorney and they charged me for quotes for a little drive by well that's against the law when you're in the process of filing bankruptcy if everything and have no mess they're taking advantage of someone that is XXXX and elderly and the information is incorrect I keep trying to tell them over and over getting nowhere as usual same as XXXX!! fraudulent billing, not being credit for payments made, change late fee when payment has been made on time!! They know I have a bankruptcy ATTORNEY and still lie breaking laws! Can not change me with there fraudulent charges!! Taking advantage of XXXX and elderly You busted them when it was XXXX morg!! Select Portfolio Serving in not even credited mortgage company They are a bill collection com.. 
I really need something done they're taking advantage of some of that is XXXX an elderly!! They know about my attorney but yet they still charge my account for something that they didn't even do they have everything I need my attorney 's name number address everything we've been through this with them I have too many times I don't need this please help me I want something down with this company I know I'm not the only one they are no different than XXXX mortgage fraudulent charges I don't know anything that they say I owe over billing don't get credit for payments being overcharged for late payments when I'm not late they know do not call me, attorney but they still call me I can prove that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: ALLY FINANCIAL INC.
State: CA
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:
Hello, I am a XXXX years old and retired, someone has been debiting my account for the last 16 or so months, I get automatic SSA direct deposit and have just found out " ALLY ALLY PAYMT XXXX XXXX XXXX XXXX '' has been debiting {$590.00} for the last 14 months. 


I have filed a police report with the XXXX XXXX County Sherrifs office # XXXX and have also filed a Federal Trade Commission theft report # XXXX. 
I am in contact with the Attorney Generals Office - XXXX XXXX to help in this matter. 

Also I have hired my son, XXXX XXXX XXXX on a retainer to oversee this in the event we have to file a lawsuit against Ally Financial for theft, also he will be sending Ally Financial a cease and desist letter on the charging of the account.

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 2020-07-15
Company: U.S. BANCORP
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a used XXXX XXXX XXXX from an out-of-state dealership ( XXXX XXXX in XXXX UT ) on XXXX XX/XX/XXXX. The loan was financed through US Bank. 

On XX/XX/XXXX, I was involved in a accident in which the car was deemed totaled by my insurance company. On XX/XX/XXXX, I sent my insurance company all of the paperwork to finalize the settlement - which would pay off the loan in it's entirety. 

On XX/XX/XXXX, I was informed by my insurance company that US Bank would not issue a " Letter of Guarantee '' ( allowing the loan payoff ) as US Bank required a perfected title from the dealership. During a subsequent call to US Bank I was led to believe that they had been in contact with the dealership in order to expedite the process. However, on XX/XX/XXXX, another US Bank representative stated that they have not contacted the dealership and that they had no intention of contacting the dealership as this " wasn't their process ''. 

I have had issues with the dealership with post-sales issues and now they are not responding to my calls. 

My issue and complaint is the US Bank has notified me that the loan will continue to accrue interest and I will continue to be responsible for payments until the loan is paid off. This seems unreasonable as all parties understand and acknowledge that the vehicle is totaled and is pending a full payoff. 

US Bank has notified me that I will be responsible for

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 2020-04-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a secured credit card with wells fargo for 5 yrs. never late until XX/XX/2019 due to sickness of XXXX and my job slowed downed. I received a 30 day late mark. I told the manager what happened and the reason being, they did not try and help at all. I had 5 yrs of perfect payment history until I got sick. I closed my account in good standing. all I ask was them to remove 1 late payment, they told me no. I don't think thats right. I was a loyal customer. all I ask if this late payment could be removed from all 3 Bureaus. XXXX, XXXX  and XXXX. I would appreciate it alot. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a sum of money ( {$4300.00} ) on my account, right before cashing it out, my financial institution closed up my account, I complained and mailed but no help and Im seriously i need of funds These all happened on Monday XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Certegy Holdings, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I went to try to cash a check for XXXX and my transaction wasn't authorized I received a letter saying that I have an outstanding Item which may have been reported to XXXX XXXX , XXXX but there's no information on what was reported.

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 2021-05-25
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive called TSI multiple times to verify a debt that theyve placed on my credit and whenever asked to validate the debt they can give no information and dont have any contact information for me all of a sudden and when I asked to remove the debt since it cant be validated they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report on XX/XX/20 By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report XXXX XXXXXXXX XXXX  account XXXX, it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ) ( a ) you must complete this investigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: NY
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, 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 2023-05-18
Company: EQUIFAX, INC.
State: OH
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:
Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXXXXXX XXXX XXXX  with account number This account is listed as being 30 days late on XX/XX/22 and XXXX.I have never been late on this account. 

XXXXXXXX XXXX Charge off/Late I have never been late on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This compliant concerns multiple fraudulent issues on my credit reports as held by XXXX, Equifax & XXXX. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXX. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by XXXX, Equifax and XXXX. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have 2 credit cards with Citizens bank. Ive been a long time customer of theirs. 

I had several hundred dollars worth of cash rewards on both cards. 

I called in at the beginning of this month, asking if I could use the cash rewards to make my payments for each respective card, money is tight as my wife is out of work. 

In both cases the representatives said that was perfectly fine, I verbally gave them permission and assumed I was all set until next month. 

Today I found out that in both cases the Payment from cash rewards did not actually count as a payment, it just reduced my balance and this was not communicated to me. 

So both of my cards are overdrawn now, with late fees that invalidated the cash rewards. If I had taken the reward as a check, and then paid with that money it would have counted as a payment. 

This seems incredibly shady, the fact that two different representatives never thought to mention that a payment wasnt actually a payment for 2 separate cards on their due dates is troubling. 

I called them, spoke to several people but they would not help. 

I work for another bank, we have to keep perfect credit and up until now I had that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief