BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I contacted Continental Credit CTRL to resolve a medical bill that was placed on my Credit Report. I had called them before I believe in XX/XX/XXXX asking why I was getting collection notices from them in regards to Radiology bills that were due to a violent crime. I gave them the Victim 's Assistant contact information as well as the Assistant D.A. as well as opposing counsel. They disregarded the information and placed the bills on my credit report. The person I spoke with XXXX XXXX at ( XXXX ) XXXX said on XX/XX/XXXX mentioned that she went over the notes and saw the previous info. I asked her then why was it on my credit report if they knew that I was a victim of a violent crime and that it was going to be paid via either restitution or by the Victim 's Assistant Program ( VAP ). I told her that I would check the correct fax number and mailing address for the account and call her back which I did and gave it to here within 10 minutes. She said after I have given her all the numbers and addresses for the VAP, that there was nothing that she could do. I asked her what that meant. She didn't have an answer. I told her that made no sense and why would they be so difficult to a person that was doing everything to get them paid and their credit clear. I asked to speak to her manager and he was unavailable. This company is very ill-informed about the VAP and their ability to pay medical bills if a person is approved. I attempted to explain that to her but she wouldn't listen. I guess their phone calls are limited by time therefore they talk extremely fast and don't have time to listen. Regardless, I spoke with them at least 4 times today to rectify this situation. As well as at least twice before on XX/XX/XXXX I called them twice XXXX XXXX & XXXX after being hung up on by a male.. I don't understand why a company representative from Continental Credit CTRL would be so difficult to a person who is doing everything in their power to get them paid. They are unprofessional and uninformed. They need more training on how to resolve medical billings on the proper XXXX   forms to insure payment. I also asked them if this could be resolved if I contacted the XXXX XXXX practice directly and for that she had no answer. Why are victims of violent crimes made to be punished by not only the assailant but by the credit agencies whom the survivor is trying to pay? This has caused a mountain of stress that is very destructive.

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 2019-03-05
Company: First Data Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased some blankets online from a company that I found out are scammers after the point of sale. This was about four months ago. The company is XXXX XXXX  XXXX. I have tried to contact them numerous times about an update on the purchase and inquiring about a refund. All I have received is lies, denial, and obvious disrespect from customer service via email. I filed a dispute with my card XXXX XXXX  CARD. They have strung me along a foreign customer service saying to wait on an update on the dispute until today. I was on the line for 30-45 minutes until they told me my dispute has been denied due to it being legal action. They told me multiple times before this that my dispute was being processed. I have been lied to and scammed with no hope of getting my money back.

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 2023-01-11
Company: Fleet Financial Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
During a transition of losing my father last year XXXX, XXXX XXXX from iLending responded to my XXXX XXXX  initiated inquiry XX/XX/XXXX. This was about refinancing my XXXX XXXX for a lower rate and a large enough return ( extra money left from paying the original financial company off ) to help me get into a place before my current lease was up due to me being laid off my job. 

XX/XX/XXXX is when XXXX told me that with my paperwork he could get me a rebate of {$200.00} for the XXXX insurance and {$1100.00} for the power train warranty I was cancelling. The warranty he said the new loan company offered covered more for less. 

Most of the incidents of what he was offering was over the phone and supposedly recorded. He took advantage of me and lied to me about the rebate about the warranty. He told me it was essentially on me to retrieve this rebate which I was not told to me until everything was finalized. 

I expressed over and over how skeptical I was due to my hard work I put into my credit to get it up to something companies will work with and all the hard inquiries would hurt my score. And it did. 

I was not told any information about this supposed full coverage warranty, I was not able to get my rebate from XXXX XXXX XXXX, whom originally lied to me about my windshield being replaced and never actually setting the appointment and giving me a horrible percentage rate and a newer car with the same problems as the car I traded them. 

XXXX knew all of it : My dad XXXX, unstable housing, laid off job, really unprofessional car dealership, and my expectations of what needed to happen to meet what we discussed I needed in order to finalize the paperwork. 

I was lied to, his supervisor knew about this and didn't return the calls.. I am very disappointed due to the fact I worked so hard to get my credit score up and that the Truth in Lending was violated in order to get his commission I was the XXXX responsible to do all the work for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted Transunion for a number of fraudulent remarks and inquires on my credit as soon as I received a copy of my report from them in late XX/XX/XXXX, early XX/XX/XXXX. I immediately informed them of these accounts and were shut down by them. Finally, after doing most of the leg work myself to prove these accounts are FRUADLENT. They have still yet to correct them. The two accounts I'm referring to are XXXX XXXX  company and XXXX XXXX XXXX. The first ( XXXX XXXX  ) is for untilities for an apartment. I've never lived there nor did I ask for services there. I contacted this company which told me that people can simply call and set up services over the phone. XXXX XXXX is for a XXXX credit card. Again, I was told this was applied for online and they could not furnish anything other than a bill. THESE ARE FRAUDULENT. My accounts have been flagged for fraud and I've been pleading with this company to please look at the document that are there and not there. I'm now asking the FTC, XXXX and CFPB to step in.

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 2018-05-09
Company: Nelnet, Inc.
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dept of Education/ Nel Net has been Falsely reporting students loans that are NOT owed to their Department. I have requested 4 times in writing and verbally. I have sent proof to all 3 credit bureaus of my paid in full account with the Department of Education ( not Nel Net ). This error is not only causing harm to my credit file but is also effecting my credit worthiness. Please correct As soon As possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A short sale offer and full file was submitted to my servicer ( XXXX XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, borrower was notified the servicing was being transferred to Fay Servicing. On XX/XX/XXXX, the loan was transferred. Multiple calls were made to Fay for status updates on the short sale file, and we were told the file was " under review ''. Finally, on XX/XX/XXXX we requested to speak with a supervisor, as Fay still had the foreclosure set for XX/XX/XXXX. The VP of Loss Mitigation ( XXXX XXXX ) requested we resend him the offer docs, which were done so immediately. On XX/XX/XXXX, after we received an email requesting changes to be made to the settlement statement ( regarding commission ), we called the VP of Loss Mit to question why these were being requested now, when we were previously told nothing else needed to be changed. The VP ( XXXX ) became aggressive, and told us he sent an email ( while we were on the phone ), to the Investor, and that our offer was declined. He told us the BPO came in at $ XXXX, and countered us at $ XXXX. This happened in a matter of less than 2 minutes. We feel we are being unfairly declined/countered, furthermore, we don't know ANYONE who would be willing to over pay $ XXXX for a property with a valuation showing $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in XX/XX/XXXX A credit card was acquired in my name using my social security number in which the bill was not paid and sent to collections. I have not accurately checked my credit report until earlier this year and noticed this account. I have went back and forth with this company for months trying to get some type of validation. On XX/XX/XXXX I received a copy of the bill which list and inaccurate address for myself. I called portfolio recovery and offered to give them a copy of my lease from my apartment complex or a copy of my bills from XX/XX/XXXXto prove this is in fact identity theft and what city and state I lived in. They would not accept it and the representative XXXX told me that it is my debt and I had to pay it or they would sue me. This company is unprofessional and use aggressive tactics to try and get you to pay a debt that they can not even prove to be yours. I have proof that is it not my debt and I have never lived in XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
1. On XX/XX/2021 I received Bank of America text that I had received {$1000.00} from my son via XXXX. 
2. At the material date, I didn't have my phone # linked to a bank account. Therefore, I never received the money. 
3. I failed a claim with Bank of America on XX/XX/2021 but the claim was declined. I was referred to the sender. 
4. The sender also filed a claim but was declined. He was referred to the recipient. 
5. Bank of American has indicated that there is nothing that can be done to locate the missing {$1000.00}. 

I need help beyond what Bank of American can provide.

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 2023-08-03
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am submitting this complaint against WELLS FARGO due to the article recently released online, which can be found here https : XXXX, as well as their continued ILLEGAL PRACTICES with loan modifications. 

as well as this articleXXXX XXXX XXXX XXXX XXXX, which alleges wells fargo allowed a foreign bank to illegally make hundreds of millions in transactions. 

as well as this article, XXXX XXXX XXXX, which is a text book description of exactly what wells fargo did to me. 

I lost my job due to covid-19 and couldn't pay my mortgage. i reached out to wells fargo and was told by an employee " we can offer you the deferment program and when you are ready to resume payments we will take the missed payments and add them to the end of the loan in months, your APR will not change and your monthly payment will NOT change. '' when i went to resume my monthly payment i was told " i DO NOT HAVE A CHOICE in what program i use. '' i was then given the option to sign paperwork that restarted my mortgage to 360 months, changed my APR and increased my monthly payment from XXXX to over XXXX, or BE FORECLOSED ON. WELLS FARGO then threatened to foreclose on me if i did not submit the paper work in time. My principal balance on the loan when i initially bought the house was XXXX XXXX, AFTER the illegal loan modification, and paying 7 years of mortgage payments, my NEW principal balance is XXXX XXXX. so if you do business with WELLS FARGO you get to pay seven years of mortage payments, ontime, never missing one, and they thank you by taking those payments, and screwing you over the first chance they get.

My " choices '', which WELLS FARGO TOLD ME I HAVE NONE, were 1. sign the paperwork, lose close to 8 years of mortgage payments, restart my loan to 30 years, increase my APR to 7 % roughly, increase my monthly payment to XXXX plus. or 2. LOSE MY HOUSE AND LIVE ON THE STREET .... 

so we have WELLS FARGO saying one thing then doing the COMPLETE OPPOSITE. 

This is a record keeping submission. I want to be fully involved with what ever lawsuits or court decisions come from this banks practices as a whole. WELLS FARGO took advantage of me and is taking advantage of thousands of other people. 

By doing business with wells fargo, they stole 7 years of mortgage payments from me and LIED through their teeth to get it. if i was told at the onset of this entire ordeal that " YOU DO NOT HAVE A CHOICE IN WHAT PROGRAM YOU USED. '' i would have NEVER deferred my mortgage. i WOULD HAVE TAKEN THE SECOND JOB AND MADE ENDS MEET. but on the untruthful word of a WELLS FARGO EMPLOYEE, who refused to give any identify information about herself, i thought the bank was going to help its customer during covid. the bank only HINDERED its customer to HELP its own gain. 

WELSS FARGO needs to license to bank in this country REVOKED.

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 2020-07-22
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
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 have a loan with FNB OMAHA. I have always made my payments on time. For some reason I realized that there was a charged-off account on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and FNB OMAHA with no successful resolution. XXXX  is only reporting this account. There was definitely an error on their part.

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 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dispute was mailed certified on XX/XX/2019. This dispute was sent over to Transunion again because the account should not be in collections. I was able to send the dispute with a copy of the bill from the XXXX XXXX. The bill from the original creditor shows that the bill was not due until XX/XX/2019. XXXX XXXX  ( collector ) has been reporting this account as a collection BEFORE the bill was due. Transunion verified the account as accurate while other reporting agencies such as XXXX and XXXX were able to successfully DELETE the incorrect account within 30days attached is PROOF that the information on the account was not verified properly. Disputes as well as bill from original 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 2019-03-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Numerous attempts via e-mail and cell phone requesting invoice of payoff amount so I can payoff debt. Debt collection company will not submit information allowing me to payoff debt.

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 2023-01-19
Company: The Receivable Management Services LLC
State: SC
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:
Not too long ago, I obtained a copy of my credit report and was shocked to find unauthorized credit inquiry reporting on my credit report. I have reached out to the company to remove the credit file. Under the fair credit reporting act the violation of my rights, which is illegal and causing severe damage to 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 2018-05-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Checked my credit report when I was about to purchase a vehicle and seen an apartment where I didn't reside. The date was in XX/XX/2015 which was a time when my wallet was stolen with my id and social security cards. XXXX XXXX XXXX has reported that I owe {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Was billed for insurance I dont have and someone from a address Im not familiar with. Someone used my identity to get insurance and Ive shown proof of my address through email with licenec and other documents.. I have never been associated with the adrsss at all in my life. Its also hurting my credit and ability to obtain my first house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was misled about my credit being run by Nissan XXXX XXXX, Through conversations it was understood that my credit was not to be ran. But it was several times. I connected Nissan about this and was told there wasn't anything they could do. Then a few weeks/days later they ran it several times again. I called them they responded saying they have 30 to run my credit. I demand my information be removed from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I deposit XXXX dollars in cash on the XX/XX/2019 To cover 2 checks it was at XXXX XXXX I called to ask why they charged me to overdraft fees Pnc Bank told me that after XXXX XXXX  it doesn't count for same day I said my receipt says it was the same day And it was deposit at there location So I want my 2 overdraft fees returned

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are reporting an account that I am unfamiliar with. I have written in and requested information, they say my request are duplicated but still have answered the original request for information. This is not my account, and I am not sure why they are reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: EQUIFAX, INC.
State: AZ
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:
The following XXXX XXXX XXXX XXXX credit card account listed on my XXXX XXXX, XXXX  and Equifax credit report is lost/stolen and has numerous fraudulent charges on the following Visa Signature credit card : # XXXX, My card is lost/stolen and has fraudulent charges/transactions on the account.

Company response to consumer: Closed with explanation