BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: ProCollect, Inc.
State: MS
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:
My state attorney advised me to send a letter to validate the debt which was sent to their office on XX/XX/07. Per the Fair Credit Reporting Act, it states that I have the right to validate the debt, if they are unable to comply within 30 days, they must delete it from all 3 credit  bureaus. The amount shown is {$1500.00} and {$500.00}. 

It has been more than 30 days therefore I am submitting this complaint to notify the violation before I take legal action.

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 2020-07-07
Company: EQUIFAX, 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: FORD MOTOR CREDIT CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/21 I was in a car accident. The accident wasnt my fault. A deer hit the back of my lease causing around XXXX in damage. Please dont quote me on that number its based off of memory. The car was put in the shop. I got 30 day rental through my insurance. My 30 days is up and the lease wasnt fixed through XXXX. Now the body shop and dealership agree that the pandemic has slowed the delivery of parts resulting in me being carless. 

Now theyre expecting me to pay my lease fees, but wont accommodate the rental. I cant afford rent, food, and other bills plus the lease, insurance, and now the additional transportation cost. 

Ive tried to resolve this with XXXX and the insurance company but they just give me the run around. Theyre saying eachother is responsible and wont work with me to come to a reasonable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This complaint is about the XXXX XXXX American Express Card, which is XXXX XXXX  XXXX XXXX. I opened this card in XXXX, but closed it on XX/XX/XXXX for reasons unrelated to this complaint. At that time, I made a full payment of the payoff amount ( {$1400.00} ), as communicated to me by the customer service agent. When I login to the management website, the account is confirmed to be closed. 

However, the card has continued to accrue interest and XXXX continues to send me mail related to payments scheduled against this account. I have previously called them about this, and have been told to disregard the notices and that my account is closed. Yet, on XX/XX/XXXX, XXXX withdrew {$9.00} from associated checking account with the memo " Auto Pymt ''. XXXX has not closed my account and is withdrawing funds from my account to payments against an account I have already paid off completely.

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 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2017 a balance of {$920.00} from XXXX XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy or the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.

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 2023-02-08
Company: CCF Intermediate Holdings LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was contacted by a debt collection company collecting for Check into Cash in XX/XX/XXXX. I was informed of an outstanding debt of XXXX and entered into a payment agreement with the debt collection company. In XX/XX/XXXX I received documentation that the debt had been paid and that the issue was resolved. Since this point, I have had XXXX other companies reach out to me to collect on this debt. The latest was on XX/XX/XXXX. I feel that Check into cash is selling incorrect information to XXXX-party vendors for debt collection purposes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: CA
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:
Frauding my documents XXXX counties wide in California State none of my documents none are married into California none are California herds frauding my documents for Saint Another hospital of Michigan XXXX XXXX Indiana

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 2020-05-23
Company: Experian Information Solutions Inc.
State: MD
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 mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: MD
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've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( experian, XXXX, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit 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 2020-09-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, 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:
I have successfully disputed numerous accounts from the exact same companies on XXXX  and XXXX, however when I try to do the same on experience, its seems unless I buy a product from them there is an adverse response to my disputed items. This has resulted in over a XXXX point difference in my credit scores and has hampered my efforts to buy a home

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 2020-11-23
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During a 90 days PLUS process, ( starting XX/XX/2020 ), Rocket Mortgage continued to ask for the same information time and time again, in connection with updated Flood Insurance coverage and My XXXX  firm business activity. I provided all disclosures and found that although I have the highest credit score possible and as I am borrowing a mere 19 % of the property value, this bank does not have any desire to service XXXX individuals who are required to carry flood insurance. I fall into a fairly large subset of the U.S. economy. I believe the bank is discriminating against me and my family. making statements about underwriter 's requirements and the XXXX XXXX XXXX requirements. 

The rate promised and the fees were not even that competitive ... The bank 's staff continued to use a website-tool called a " XXXX '' rather than call or send an email to drag out the process week after week. I want this DISCRIMINATION against myself and others to be terminated. My credit score alone should have provided expedited, no fee re-financing service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
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:
There are many mistakes appear in my report without my understanding.

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 2020-09-08
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX i opened an American Express Blue cash card and received a SUBSTANTIAL credit limit. I have utilized this card for various purchases. I have made my payments on time every month. In XXXX i paid the card off in full. I did not use my card for purchase for roughly 6 months. Recently on XX/XX/XXXX I tried making a purchase and was declined. I was shocked due to the credit limit i had on the card. I called the number on the back of the credit card and found out that my card was on hold. This really took me by surprise. Then within minutes of the phone call i received an email telling me that my credit limit was decreased considerably. I was never informed of this until i tried making a purchase. I checked my card activity every month for monitoring purposes and never seen a decrease. Then the following day i received an email informing me that i have a message on the cards web site. The message informed me of the credit card companies decision in lowering my limit. It stated, Amount of your payments in relation to the overall balance on your American Express accounts. Which is false due to the card having no balance owed. The next reason listed was, Amount currently outstanding on your American Express accounts is to high relative to the income you provided on your application. Again this is false due to not having any outstanding amounts on this card and my income was the amount mentioned on my application and only went up in time. Remember I check the web site monthly for security reasons. The balance is XXXX and nothing due at this time.Then the email goes further regarding my FICO score which at the time of the card company running it recently was in the 700s. Now at the time of me opening the card my score was roughly the same and the credit information was about the same as well. There was some new accounts added of course. Which is understandable in time. Due to the companies decision making my FICO score will change drastically due to the depth to income ratio. I believe the companies decision was very harsh and wrong. This is not how you treat a loyal and on time paying customer. Ruining someones credit is wrong. Especially when your never late on making payments and paying a balance off. I am writing this to inform anyone that was thinking about opening an American Express Credit Card to really think twice. This company will ruin your credit even if you do make payments on time. I will provide information when asked to back up my statements above. I do not want to upload this personal information due to being snap shot pictures of my accounts web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Nelnet, Inc.
State: LA
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 was charged {$210.00} twice in the same month by Nelnet. They never answer the phone in a timely manner meaning I was hold for 3 plus hours. They are always understaffed and dont answer emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have been trying to correct inaccurate information on my credit report since XXXX of last year. I have written letters to the three major bureaus in XXXX and again in XXXX with no response from any of them. They are reporting information that is wrong and it is causing me to have a negative credit report. This is in violation of FDCPA Section 807. I feel like I am being targeted and done wrong by these companies. It has now been 67 days since I first sent them letters with no response! This is unacceptable. 

XX/XX/XXXX XXXX Inaccurate Late Payment. 
XX/XX/XXXXXXXX XXXX Inaccurate Late Payment. 
XXXX XXXX Inaccurate Late Payment. 
XX/XX/XXXX XXXX XXXX FDCPA Section XXXX XX/XX/XXXXXXXX Inaccurate Late Payment. 
XX/XX/XXXX XXXX Inaccurate Late Payment. 
XX/XX/XXXX XXXX FDCPA Section 807 XXXX  FCU XXXX FDCPA Section 807 XXXX XXXX XXXX Inaccurate Late Payment. 
XXXX XXXX XXXX FDCPA Section 807

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 2020-09-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Midland Credit Management Inc is pulling my XXXX XXXX credit report for account reviews when they have no account to review for collection the account that they did have has been closed to all collections for being exempt from debt collection due to being on Social Security XXXX for life so they have no right to pull any of my credit reports for account review unless they are attempting to collect on exempt funds they closed the account and stop all further collections. they have no reason to review my reports for an account they can not ever collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Due to the coronavirus I applied for a auto loan extension with Wells Fargo dealer services. They extended the loan, but are charging interest for the time period of the 3 month extension.

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 2023-08-25
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested months ago to freeze the consumer report the company has on me and they still are providing my report as a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a Request for Mortgage Assistance with my loan servicer Specialized Loan Servicing LLC ( SLS ) on XX/XX/2020. I received a Trial Modification Plan ( Original Plan ) on  XX/XX/2020. I fully complied with the Original Plan. On XX/XX/2020, I received the Permanent Modification Agreement ( New Plan ) that had none of the tems of the Original Plan of XX/XX/2020. In fact, all the tems were unfavorable compared to the terms of the Original Plan. I have not received any correspondence from SLS  informing me of failure to fulfill any terms of the Original Plan of  XX/XX/2020. Now, SLS refuses to perform and enforce the Original Plan of XX/XX/2020.

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 2021-02-08
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my loan on XX/XX/XXXX with Loan Depot. At closing, Loan Depot determined that I do not need a separate home owner 's insurance since my HOA provided coverage. Then, I received a letter from Loan Depot dated XX/XX/XXXX ( two months after closing ), that if I do not provide proof of home owner 's insurance, I will be forced to pay theirs. That I did not need my own separate home owner 's insurance is confirmed in an email with my loan processor XXXX XXXX on XX/XX/XXXX, and later further confirmed by the customer service associate, XXXX XXXX in an email on XX/XX/XXXX. Regardless, I got home owner 's insurance starting XX/XX/XXXX. Now Loan Depot is charging me {$290.00} for the gap period in which I did not have my own separate insurance, including the time frame before they even said I need insurance. They are charging me their own insurance rate between XX/XX/XXXX and XX/XX/XXXX. I discussed with them already that they can not backdate insurance as I was not covered by their insurance then. However, they maintain that this is their resolution. An agent named XXXX XXXX called me today to state that its because my Master HOA Policy does not include the phrase " Walls in to original specifications including improvements and betterments. '' I told her it does ( to which she says she can not verify herself ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
After reviewing a credit alert on XX/XX/20, I noticed that my credit score had dropped due to my credit limit on my chase card being lowered. I had no knowledge of this being done. I called chase and they informed me that they had notified me however i never recieved any information from them. I contacted them and they advised me that the only way to revert my credit limit back to what it was would be to do a credit check which also would have a negative impact on my credit as well. I would like my credit limit restored to what it was prior to them lowering it without my knowledge which has a negative impact on my credit score. I actually believe that they lowered my credit score due to them purchasing my home mortgage from my loan originator and thus now having that loan on their books.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft in XX/XX/XXXX and again in XXXX i put a fraud alert in XXXX and freeze in XXXX with all three credit reporting agencies while they investigate the matters against collections in the amount XXXX in XX/XX/XXXX and XXXX dollars in XX/XX/XXXX from National Credit Adjust. I requested debt verification in XXXX and XXXX ; I never received any proof of debt owed but this company continues to report collections on my credit report. Please help me with this matter i feel helpless for something i know nothing about. I have other collections on my credit report because of identity theft some have been deleted but this collection is the oldest.

Company response to consumer: Closed with explanation