BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by MBA law offices about an apparent health care bill that had already been closed out. I spoke with someone who continued to interrupt me when I inquired about the debts and they were quite aggressive. That said, I confirmed with the hosptial where the visit occurred who assured me that the debt / bill I had was paid in full. This is something I had confirmed prior and thankfully have the data ( i.e. banks statements ) to back this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an auto pay issue with BoA so the next month my account was locked because they said I have been bankrupt before but I haven't. I could not use web pay and operators couldn't take payment on the phone. They said they would fix it but haven't. I have begged them to take my money to unlock my account as it was locked wrongly. As a result I physically have not had any means to pay them, even after I have called and tried to make payments. Their system won't let any person take my payment because of my account status. Now I have a late payment on my credit report when I have tried to pay them and they have not acted to rectify my 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 2021-10-29
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Amerihome debited my escrow account to pay my property insurance to XXXX XXXX XXXX. According to XXXX is was not received and they lapsed my policy in XXXX. I had contacted both companies and they said it was being processed. In XXXX XXXX stated the check was returned for insufficient information and they extended my insurance. It lapsed again for nonpayment in XX/XX/XXXX which I then paid for out of my pocket. On XX/XX/XXXX my loan was transferred to XXXX XXXX. The balance of the loan and escrow were transferred but Amerihome never credited the amount debited in XX/XX/XXXX from the account. In XX/XX/XXXX XXXX XXXX paid my home insurance from my escrow account ( now paid 3 times : XX/XX/XXXX by Amerihome, XX/XX/XXXX by Me, XX/XX/XXXX by XXXX XXXX  ). I was credited my payment from XXXX but was never credited back the amount debited from my escrow account in XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
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:
To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account during the month XXXX and XX/XX/2022. I acknowledge and deeply regret this incident and wish to address it proactively. 
As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. 
I eamestly request your kindness and consideration to remove this late payment from my payment history. I greatly appreciate your understanding and support in this matter. I provide below the details of my account for your reference : XXXX XXXX XXXX Account XXXX XXXXXXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.

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 2023-12-18
Company: CCS Financial Services, Inc.
State: MN
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:
I have received threatening calls and texts from Credit Collections Solutions or ( XXXX XXXX XXXXXXXX ) stating that I owe money to a company for a service that was paid for in a monthly basis with no obligation for payment, ( CCS ) has since called which I have verbally stated that this debt is false and their tactics to collect violate my rights under the FDCP act, they then go on to say that if I refuse to pay this false debt that they will report negative information to my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX is on my report from XX/XX/2017 and earlier, the car note was ordered to be paid by my ex in divorce- it still is on my report- please remove

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 2023-11-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore, any such debt, in fact therefore exist. 

THESE ACCOUNTS LISTED : ( XXXX XXXX  and XXXX XXXX XXXX  XXXX I HAVE IN LITIGATION. 

ME AND MY TEAM OF LAWYERS ARE IN PURSUIT OF FILING SUIT AGAINST XXXX AND EXPERIAN AS WELL, FOR VIOLATION OF FEDERAL LAW ' FCRA MY CONSUMER RIGHTS!

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 2022-01-12
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Nelnet, Inc.
State: FL
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:
Student loan repayment was restarted, and automatic payment was configured for XX/XX/2023. 
Nelnet.com did not process my automatic payment, and now says my balance is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Nelnet, Inc.
State: CA
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 submitted a request to change my federal student loan to the XXXX plan XX/XX/XXXX. Nelnet never responded to my request. Even after the loan application was changed to " accepted '' on XXXX on XX/XX/XXXX, my prior, much higher, monthly payment continued to show on the Nelnet website. 

I called Nelnet on XX/XX/XXXX and they said I should wait 14 days after the application was submitted through studentaid.gov before checking it's status. I said I had. They said wait another 3 days. Nothing changed on the Nelnet website. 

I called again on XX/XX/XXXX and they said they had sent an email requesting more information from me and couldn't process the loan application without my tax return, DESPITE me giving access to my tax returns through studentaid.gov. So I submitted my tax returns through the Nelnet website. The representative said wait another 14 days. He said that I should be receiving status update emails every 10 days. I've never received a single status email, despite receiving several other emails. 

I checked again today XX/XX/XXXX. Still nothing has changed on the Nelnet website. The automated system said that I should have received a response " XXXX business days '' after the information was submitted. I tried speaking to a representative but the phone was cut off because " Our office is closed '' despite it being within the automated system 's stated open hours for the customer service line. It's been XXXX weeks since my original request. I need Nelnet to change my loan repayment program before my repayments begin. I've done everything they've asked. They are unresponsive and unhelpful. I miss Great Lakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/2019 I received a XXXX XXXX financial card from Comenity to pay for dental work. They stated no interest for XXXX with a minimum monthly payment. Only to find out that the no interest is dependent on paying meeting a bench mark at XXXX  months and again at XXXX  months. The minimum payment wouldn't even be close to hitting those marks so the penalty is being hot with all of the interest for the entire duration of the loan even though consistent monthly payments are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Challenge a account ( XXXX XXXX ) on my XXXX  credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy

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 2020-01-22
Company: CREDIGY USA CORP.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have sent multiple letters and made several phone calls to this company with no results. In XXXX I received a Line of Credit loan from XXXX XXXX line of credit. This line of credit was based on a REVOLVING line and interest rate. Several years into the loan it was sold to a company called Zelkova Acquisitions LLC.  My payments were based on the amount borrowed and the interest rate. I want to stress that this was NOT an installment loan but rather a revolving line of credit. The law REQUIRED the Zelkova honor the full terms and interest rate of the original agreement with XXXX. As my balance was approximately XXXX dollars my monthly payment was essentially the same save a few dollars each month as I was mostly making an interest payment. 

In XXXX of XXXX I made a significant payment to the account which reduced the balance on the account by almost {$10000.00} dollars. As such, the corresponding monthly payment should have come down dramatically based on the interest rate that would have been applied to the then smaller owed balance. Yet for MONTHS after this occurred I was still charged the same amount as I had been paying for the prior balance of roughly {$14000.00}. I made multiple requests of Zelkova to remedy that situation only to be rebuffed. When I explained clearly that the account was a REVOLVING Line of Credit that it was not only improper but it was in fact ILLEGAL for Zelkova to bill be a set amount each month. My payment was based on the amount of money owed applied to the interest rate, logically then if I owed XXXX dollars at X amount of interest the payment would be dramatically less if that same interest rate was then applied to a remaining balance of let 's say XXXX dollars. I tried to no avail to explain to Zelkova that they were charging me hundreds of dollars in interest that I was NOT obligated to pay based on the new smaller total balance. I feel that Zelkova owes me hundreds of dollars back due to overpayment of interest based on their fraudulent billing of my Line of Credit over the last 6-10 months of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CHECK INTO CASH INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Ive taken loans out with Check Into Cash before and have not had issues until this most recent time. They were to take out about XXXX every other week, on my payday directly from my checking account. 

It ended up, the first couple payments were never taken from CIC and the funds were there, available. I then get a letter from CIC stating the loan has defaulted. I have NEVER defaulted with CIC. 

I called the XXXX number to the XXXX XXXX branch and spoke with staff there and I followed up on the letter to see what was going on. I also requested to speak with the branch manager and demanded any interest that has resulted from CIC failing to automatically take out the funds as agreed initially in writing, to be credited to the account. This is unethical, fraudulent practice and only benefits CIC. 
Also, they are supposed to the the money out of my checking account on the FRIDAYS I get paid, per the payment schedule noted in the loan documents and what was agreed to. 

The monies are not taken out until the next business day, which can be 4 days later if that Monday is a holiday. These are deceptive practices and will only result in increased interest. I want my loan audited, and credited any and all interest that was wrongly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Accounts 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 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 2023-11-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: In progress
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: IN
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:
Account for XXXX XXXX is older than 7 years and has not been removed from XXXX, or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
CASE # XXXX COURT CASE # XXXX XXXX XXXX # XXXX Im requesting to receive a termination letter/ release letter of all XXXX  removed immediately. 
Especially the lien from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This XXXX issued date XXXX XXXX. 
When I speak to all these collection agencies, they all have different dates & amounts. 
Some say this dept is for something back in XXXX or XXXX, they don't even know. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing XXXX XXXX XXXX. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form SC-104 I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in XXXX 
I live in XXXX XXXX XXXX. 
In XXXX about this false XXXX  from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA.

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 2022-09-12
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am applying for a refi loan with XXXX and was told application to close generally takes 2 weeks. It took a month to get the appraisal done and were now on week 6 with no answers from the company. I have contacted the two representatives I have worked with several times but will not get an answer back no matter how many times I call. I will however get requests for frivolous paperwork as well as paperwork that has already been submitted. I have emailed to have certain debts be paid from the refi and the remainder be cash out for home repairs. They have yet to correctly send disclosures with the correct debtors to be paid. I started this process with specific things to be done under the timeline promised to me by the company and now Im not even sure it will go to closing because they keep requesting new things without doing their part. I have names and nmls available upon request

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation