BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am just noticing a XXXX monthly fee on my account for Non-Bofa teller withdrawal. I did not withdraw any money nor does it reflect that I did in my payment history. I see that this has happened for over a year and I want my money back and a credit put on my account for every month that you have done this. While you are reviewing my account please go ahead and review any other fees to have accessed and I will do the same.

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 monetary relief
Consumer complaint received 2020-01-23
Company: The Grogan Law Group, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am finding it impossible to stop wage garnishment. no one will help me. I get the run around when I call, and now I am being told that if I want to stop it, I am being told to call one number, then another, and then another, and now that I have to go to the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I

am writing this letter in response to late payments showing on my credit history from Nelnet on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I found out these late payments where on my credit when I pulled my credit report on XX/XX/XXXX Once I was aware of the late payment status I logged into my Nelnet account online. I was sure that I had applied for forbearance during that time period and didnt understand why these late payments where on my account. However to my surprise all past account billing and forbearance letters had been removed from my online account from XX/XX/XXXX and back. Since I did not have any documentation listed there I decided to contact a Nelnet agent. When I inquired about the forbearance for XX/XX/XXXX I was told I was cover from that month to XX/XX/XXXX. I then ask why I would show late payments, and the agent then seemed confused and hesitant to inform me that my account was reflecting incorrect information. She just went on to say that I had missed the payments and they were valid, but could not explain the forbearance approval and how they could report missed payments during that forbearance period.

On XX/XX/XXXX I contact Nelnet once again to request a complete billing statement for the year XX/XX/XXXX to XX/XX/XXXX. I was informed again that there was a forbearance approved within XX/XX/XXXX. I requested that documentation but was informed that since it was not showing online for some reason that it had to be approved by another department before it could be sent to me. I was also informed that it could take up to a week before being sent. On that same day I decided to check my student loan information on the XXXX XXXX XXXX website. That is where I found that each of my loans that Nelnet services where showing a forbearance status. They are not showing missed payment or delinquent status.

I am requesting the investigation of this matter due to the fact that my loan status is showing forbearance status on each individual student loan. I dont feel that Nelnet is following proper procedure when it comes to updating the credit bureau and are reporting my information incorrectly.

Also I have attached the MyStudentData report showing each of the fifteen student loan accounts that Nelnet services. Each loan has the date highlighted in yellow before and after showing the status of the loan in Repayment before XX/XX/XXXX, then forbearance on XX/XX/XXXX, and then forbearance XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Asset Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture. 

The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX. XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company Asset Recovery Solutions XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
Westlake financial services auto loan show incorrect payments dates on all 3 credit bureaus, XXXX XXXX XXXX and XXXX had differently payment history that is incorrect and need to be correct it since I was never late Westlake financial services Account number # 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 2020-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my balance in full and capital one is still charging residual interest. my bill was due on XX/XX/XXXX I paid off my entire statement balance XX/XX/XXXX and I check this months bill and see that I had an interest charge. They claim its a valid charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
America First Credit Union without asking members first automatically enrolled them in " premium checking '' that will cost XXXX bucks a month. Yes, you can try it " free '' for 2 months, but enrolling them without permission is where I take offence. If I wasn't told by another credit union member I would have been completely in the dark and then wondering why there were charges every month for something I didn't buy or approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was denied a modification due to the fact that 1 the account is not a first mortgage and 2 because they stated that I should have started the process 6 months before the due date. I have a ballon payment of XXXX due XX/XX/20. I called back in XXXX to ask for help on extending the loan and I was told to call back a month before the due date. So I did and know they sent me a denial. They are not willing to help me. The servicing mortgage company is PHH

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit acceptance appears to have violated the terms of the contract for an auto loan and is reporting a fraudulent balance to all credit reporting agencies. Documentation from Credit Acceptance shows conflicting information regarding the repossession costs, which results in an unconfirmed the balance on the account. In addition, the credit for GAP insurance coverage that was applied to the balance on the account appears to be in violation of the contract and Ohio law.

Enclosed document - Page 1 has reference to GAP insurance, Page 2 has reference to repo costs ( which do not match costs on page 4 ), Page 2 has reference to GAP insurance credit, Page 3 has reference to sale of car at XXXX XXXX, Page 4 has reference to repo costs ( which does not match costs on page 8 ) To further investigate the fraudulent balance, I am requesting the following documentation : - Proof of sale of the repossessed automobile from XXXX XXXX XXXX. This means a document from XXXX XXXX XXXX, not a document from Credit Acceptance. 
- GAP contract issued by the provider for GAP insurance

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 2021-02-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently check my credit reports and seen I had over 230 inquiries. There's no way I obtained all these inquiries and some of the dates, addresses, and places of inquiries don't even add up. I've requested to have these removed immediately from the bureaus due to possible fraud and nothing has been done. XXXX  was the only credit bureau to actually look into this. I want these off my credit NOW!!! I know my rights when it comes to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Conn's, 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: Account information incorrect

Complaint:
ON XX/XX/2019 I SETTLED XXXX ACCOUNTS WITH CONNS. BOTH XXXX AND XXXX XXXX ARE REPORTING THE ACCOUNTS CORRECTLY XXXX HOWEVER IS STILL SHOWING XXXX OF THE ACCOUNTS OUTSTANDING AND DESPITE MULTIPLE DISPUTES REFUSE TO CORREBT THE INACCURAT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reported a fraudulent charge to Citi Commercial Cards in XX/XX/XXXX. As of XX/XX/XXXX, they have not credited the fraudulent amount, they continued to charge me late fees every month, and they continued to call me and send me letters to collect on the fraudulent charge plus late fees. 

I was out of country on XXXX XXXX when the charge occurred. I have proof ( XXXX XXXXXXXX ) that I was serving out of country and could have supported the investigation on the fraudulent charge. Citi declined when I offered to offer proof to assist in the investigation on the fraudulent charge.

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 2020-11-19
Company: i3 Lending, Inc
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
ON XX/XX/2020 XXXX XXXX  OF I3LENDING INC ORDERED A VA APPRAISAL OF PROPERTY XXXX XXXX XXXX XXXX, MD XXXX. THAT APPRAISAL WAS ASSIGNED TO AND COMPLETED BY XXXX XXXX OF XXXX XXXX XXXX, XXXX THE FINISHED APPRAISAL REPORT WAS UPLOADED TO THE VA PORTAL  ON XX/XX/2020. THE AMOUNT OWED FOR THIS COMPLETED SERVICE IS {$570.00}. NUMEROUS ATTEMPTS OF COMMUNICATING THIS DEBT HAVE BEEN MADE TO XXXX XXXX XXXX  PHONE NUMBER AND EMAIL STARTING ON XX/XX/2020. TWO LATE FEES HAVE BEEN ADDED IN REGARDS TO THIS EGREGIOUS NONPAYMENT. 
ON XX/XX/2020 XXXX XXXX FINALLY COMMUNICATED THAT SHE WOULD NOT BE PAYING THE DEBT OWED BECAUSE OUR COMPANY DOES NOT ACCEPT CREDIT CARD PAYMENTS AND I3 LENDING INC DOES NOT PROVIDE HER CHECKS. I3 LENDING INC DID NOT STATE IN ANY WAY THAT PAYMENT COULD ONLY BE MADE THROUGH CREDIT CARD SERVICES BEFORE COMPLETING THE VA APPRAISAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
State: NY
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:
There are 4 accounts on my credit report that i have never opened cor applied for credit with.

I contacted the companies ( chase, XXXX  XXXX & XXXX ) directly as well as XXXX  XXXX   amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Please reference previous complaint # XXXX After my last complaint about my Huntington Bank credit card was closed, I paid the balance in full -- {$1500.00} on XX/XX/XXXX. On XX/XX/XXXX, I was charged {$10.00} in interest on my XXXX-balance card. I called and spoke with " XXXX '', a supervisor who refused to provide her last name, who told me the interest was for cash advances from XX/XX/XXXX. I don't understand how I still accrued interest after the statement balance was paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They claim that I have a open collection account. How is this possible if the collection have been since 2012??? I also ask this collection company to show or go of validation of this debt in its original form, showing my sign signature with the original inbebtness contract in its original form. They never show proof XXXX  I also have confirmation from taxes and yet when I call the company and credit bureau, they saying that they have not received my disputed but my records show otherwise

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 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
There are 4 accounts on my credit report that i have never opened cor applied for credit with. I contacted the companies (
XXXX, capital one & XXXX  ) directly as well as XXXX XXXX  amd XXXX.

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions Inc.
State: WI
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 am a victim of identification theft. My information was stolen via a data breach with XXXX. I have tried on multiple occasions to have the fraudulent accounts removed from my credit reports to no avail. I have sent the credit reporting agencies copies of my police report, FTC affidavit, and my signed sworn declarations but they refuse to remove the fraudulently opened accounts.

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 2021-05-21
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started a mortgage application XX/XX/2021 and was preapproved. Upon receipt of the title work XX/XX/2021, I noticed there was a judgment from LVNV Funding LLC against me. I want to payoff this judgment through the mortgage loan. I first contacted LVNV Funding LLC for the payoff at XXXX. They advised me that the account is now being serviced by XXXX XXXX XXXX and to call phone number XXXX. I have contacted XXXX XXXX  XXXX over 10 times trying to get the payoff. The RE attorney I chose for closing my loan has reached out several times as well via email and phone. My loan officer has also reached out several times as well via phone and email. It is now XX/XX/2021 and I still do not have a payoff. Whenever any of us call, they state that are reviewing the file or updating the file and will contact me once it is ready. When I call the LVNV Funding they say they can not do anything but refer it to XXXX XXXX XXXX who is now handling the account. When I call XXXX XXXX XXXX they continuously advise me, the loan officer and my Real estate attorney that they are working on it. It has been over 27 days and they still can not give me the payoff on this judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
During the corona virus, I attempted to make the payments each month on time however ; Ive been out of work since XX/XX/XXXX and stopped receiving XXXX benefits since XXXX. The name of the company is Santander Consumer USA. The most recent payment was Made in XX/XX/XXXX. I have fallen behind in each bill that I currently have including the vehicle. After finding out that my car had been repossessed, when you call Santander, the auto machine gives you an option to request payment options. I was never given any payment options, even after speaking to agents to make payments. I am still currently out of work, however Im due to return next month. My name is XXXX XXXX. I purchased the vehicle in XX/XX/XXXX, not even 2 years. Payments were high but I tried my very best to make them XXXX per month. I called to see if theyre were any options to retrieve my vehicle by making payments, they replied no. I have 15 days to pay XXXX XXXX before its auctioned off. I heard this company was not the best to consider however it was only option avail for approval. 
My phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this account. I have attached a copy of the police report to this dispute. I never had insurance with XXXX, the original creditor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: UT
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:
Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX XXXX  are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL
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:
A collection law firm ( MITCHELL B. BLUHM & ASSOCIATES LLC representing XXXX XXXX XXXX XXXX  ) mailed a collections letter to my MOTHERS address ( I haven't lived there in 20+ yrs ) on XXXX for {$1900.00} for a medical bill datedXX/XX/XXXX. 
I have never received a bill for this and have a top tier insurance policy. I spoke with them and did give them my personal info to assist the representative in my case. My insurance company XXXX said that the claim was NEVER sent to them and even tried to speak with the collector. They would not process the claim because they said it had timed out and would only take collection payments. THIS IS A SCAM, Please help!! 
They have made threats to hurt my credit score. Please Help!! There have been many complaints and law suits against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was promised a {$200.00} bonus for opening my 'SoFi Money ' account. I joined a waiting list and later was sent an email telling me my account was opened successfully. SoFi falsely advertised this promotion and conducted a bait-and-switch scheme, baited new customer and deny the promotion without notice.

Company response to consumer: Closed with explanation