BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on a student loan since XXXX. My wife and I are both XXXX  in XXXX XXXX XXXX  from 27 years. ( I retired last year as a XXXX and went back to XXXX in another state ). The amount was originally I think around {$32000.00}, I have copied and pasted below what is currently on my servicer 's website and it goes backwards from current to XXXX. I have been making {$330.00} per month payments on this loan since XXXX and currently owe MORE money on it than I did when I started??? I don't understand why this loan is not paid off yet? When I've asked questions, I am told it's because it is not a direct loan so it can not be forgiven. I was told by the current servicer ( Nelnet ) that I would have to " first be consolidated into direct loans to qualify as it is a direct loan program. '' and that " unfortunatey if the loan would be transferred, you would have to start over and make ANOTHER 120 payments and work for ten MORE years!!! My wife is XXXX and I am XXXX. I am trying to understand how this could happen to us, could you provide us with any answers?? I feel that i have been a victim of some kind of predatory lending as my service transfers me to other companies all the time and then apparently I didn't realize I had to start over on the ten years? and it wasn't even my choice, they just transfer it. Please advise if you could help me in any way. 


XXXX XXXX XXXX ' XXXX XXXX and Below is my account information : Account : XXXX Current Balance : {$38000.00} Past Due Amount : {$0.00} Current Amount Due : {$330.00} Payment Amount : {$330.00} Due Date:XX/XX/XXXX Group : C Due Date : XX/XX/XXXX Fees : {$0.00} Status : REPAYMENT Interest Rate : 5.250 % Accrued Interest : {$15.00} Last Payment Received : {$110.00} on XX/XX/XXXX Outstanding Balance : {$13000.00} Principal Balance : {$13000.00} Loan : 3 Due Date : XX/XX/XXXX Loan Status : REPAYMENT Loan Type : CONSOLIDATION Interest Subsidy : Subsidized Original Loan Amount : {$19000.00} Interest Rate : 5.250 % Accrued Interest : {$15.00} Capitalized Interest : {$0.00} School Name : Lender Name : NELNET ACADEMIC LOAN Principal Balance : {$13000.00} Convert to Repayment : XX/XX/XXXX Disbursements : {$10000.00} on XX/XX/XXXX Disbursements : {$8500.00} on XX/XX/XXXX View Benefits Group : D Due Date : XX/XX/XXXX Fees : {$0.00} Status : REPAYMENT Interest Rate : 5.250 % Accrued Interest : {$29.00} Last Payment Received : {$210.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Twice, this company has marked my account as " in deficit '' and sent my information to collections agencies, as a result of their own lack of organization in processing payments. 

My auto loan account has been set on automatic payments ( through my own bank, which is larger and more reputable than Fifth Third ) for several years. Every automatic payment has gone through without a problem, and yet twice already this year, Fifth Third has claimed they did not receive my payments. When I checked with my own bank, they were able to confirm that the checks had been sent on time, delivered on time, and cashed by the recipient. However, Fifth Third failed to credit my account and marked me delinquent. Without contacting me, until after they reported my information to collections. The first time it happened ( in XX/XX/XXXX ), they told me there was nothing they could do and refused to accept numerous forms of proof that the payment had been applied. To guard against this recurring, I set up my payments to have additional confirmation and increased the amount of payments to 20 % more than the monthly amount owed. 

This seemed to work fine for a few months, but again in XX/XX/XXXX they failed to credit my account and did not notify me until I began getting robo-dialed calls ( who promptly hung up when I answered ) during my vacation, about five times a day. I did a reverse lookup on the phone number and it showed up as Fifth Third Collections Department. I called the bank directly and asked to speak with someone who could explain what was happening. Their customer service phone system repeatedly dropped my call and I had to give my account information about five times before one rep promised to escalate the issue. He then placed me on hold for several minutes, and hung up on me. As previously, the reps could only tell me that they had no record of the latest payment and I had to pay a late fee on top of doubling my payment ( which I can prove had already been cashed by them. ) They offered no further solution, or any means of escalation, until I asked repeatedly. I had already checked my Fifth Third account online, and there were no prior messages, alerts or warnings that the payment had not been posted. Just a late fee, which had been applied two weeks after the payment was cashed.

Not only is Fifth Third clearly processing payments in a disorganized and unsecured manner, but their apparent standard operating procedure of sending accounts to collections without notifying customers or seeking solutions that won't negatively affect a customer 's credit rating is unethical and just poor business practice overall. 

When I tried contacting Fifth Third regarding this issue, several times, by phone and email, all I got was a form reply telling me that I could contact Collections to pay my bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I tried to call the collection agency back, but they do not answer their phone. They've used a different phone number each time they call, and have bombarded me with numerous calls each day for several weeks. They wont return my calls or messages. They've used abusive, deceptive and threatening language and claims. They have not provided written proof of the claimed debt, nor any proof of who they are, nor proof of their right to attempt this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$14000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not 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 2021-02-20
Company: Security Credit Services, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2017, Security Credit Services was reported and added a derogatory mark on my credit report per XXXX XXXX in the amount of {$2400.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, ( Security Credit Services ) has violated my rights as a consumer and I am requesting legal action to remove this account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2018-05-03
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I've called Equifax on several occasions about my XXXX XXXX card and my XXXX card not being reported. Both of these cars are showing on my XXXX and XXXX  files. They have told me on several occasions to contact my creditor and to let them know that is not reporting and that it is not an Equifax issue. I did as I was told in contact with the creditors to let them know that you can fax said that they are only reporting one of the creditors send and the creditors told me that they reported every month to all 3 bureaus. They have even gone as far as submitting an emergency report to Equifax twice and it still is not reporting.  They have even allowed a creditors to report the same account twice on my report. I really need this to report on my Equifax report because I am trying to purchase a home and their negligence is preventing me from doing so. Please help me to get Equifax to resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Mid-America Accounts Control Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaints : 1 ) Violation of Fair Debt Collection Practices Act, 2 )  Disregarded agreed upon amount, and 3 ) Ignoring my request to pay the agreed upon price. 

I called in to settle an account and they started talking to me about someones elses debt and told me the amount they owe, with USING THE DEBTEES NAME! This is a MAJOR violation according to the Federal Trade Commissions Fair Debt Collection Practices Act, 15 USC 1692d, 805 ( b ) Communications with Third Parties. 

I asked to speak with the Supervisor and his remarks were So what! This doesnt effect you, I told him that it is a violation of the Debtee and it causes me to have concern on their integrity and how they do business. He said everyone makes mistakes, and I agreed, however this violated Federal Law. He was very argumentative and kept saying what a you going to do about it?, I said I will take it further since he doesnt understand the magnitude of it. 

I then asked to go back to my issue and pay our mutually agreed upon amount to close my case. He gave me an amount of the original amount. I told him that was not it and that is was a different amount. He kept repeating that amount ( 6 times total ). I finally had to tell him to look at the notes in my file!!! He finally found it and admitted he was wrong. I kept telling him that I wanted to pay it but he insisted on going down a rabbit trail. He started asking me Dont I have a problem with him not looking at the notes first?, I said yes and it causes even more concern about his company. I told I want to pay my bill. He started saying that he is surprised I didnt want to complain about that. I said that I want to pay what I owe if he would stop acting like an XXXX XXXX . He  said the call was over and hung up. I admit that I should not have used the word XXXX XXXX , but I was taken to my limit. I have sent an email to just get my agreed upon amount settled. 

I have not received anything other than a phone call from the Mid-America Collections Control Bureau , Inc. regarding this 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 2018-08-22
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
on XX/XX/2018 I received my response back from credit acceptance from the cfpb and credit acceptance stated that I agreed to settle my account 50 %, I didn't agree to that, credit acceptance need to send me proof of this,,, because I was informed the car was paid off, that's how I got my title .... send me proof of me singing the offer, because I don't recall accepting that offer,,, the car was paid off,,, please remove the account from my credit file,

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 2018-05-03
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
My problem is with the credit bureau 's are allowing companies, that I did not authorize, to do hard inquiries on my credit. These type of inquiries hurt my credit score and I want them removed immediately. There is a total of about 20 inquires that are not associated with any accounts that I have or requested, however they match unsolicited offers that I get in the mail. 
Please help me get these off of my credit reports. What should I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: EQUIFAX, 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 status incorrect

Complaint:
Incorrectly reporting that this item from XXXX XXXX XXXX XXXX is still open on credit report ; Needs to be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Kashia Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ive paid a total amount of XXXX to XXXX XXXX. My payday loan was only for XXXX. I contacted the company about taking funds from my account and they said I was supposed for pay off interest. The amount I paid already is double the amount issued and there still trying to get money from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX- XXXX XXXX XXXX IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XX/XX/2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, XX/XX/XXXX FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the XXXX company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : //www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT WHEN IT HAS NO AUTHORITY TO DO SO, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT IT COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT 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 2020-07-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I received a bill from XXXX XXXX XXXX XXXX that was due on XX/XX/XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the lack of work I was behind a few days so I made a payment on XX/XX/XXXX in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I called the company to explain why this had happened especially since I had a XXXX   balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX  balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.

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 2022-08-09
Company: HireRight Solutions, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX reports that I had violated state/local laws by speeding in a work zone on XX/XX/2022 during a level 3 XXXX inspection XXXX The inspection took place near XXXX, XXXX, but I was never cited for breaking any laws during that inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent a certified letter to this Collection Agency in response to a letter that was sent to me attempting to collect {$820.00} debt. My letter specifically asked that Convergent show me how they calculated what they say I owed and I requested copies of any paperwork that shows I agreed to pay what they say I owed. Convergent 's response was a letter stating that the debt was verified and they sent me a copy of a XXXX bill that that looks as if it was generated by someone inside the office of the collection agency. I specifically asked for validation. So on XX/XX/2020 I sent another certified letter after I talked to XXXX and they had no record of the account number this collection agency has manufactured. Again, I requested documentation showing what agreement I had with Convergent to pay any money. I also believe the statue of limitations has expired. Convergent replied on XX/XX/2020 with another letter stating this debt is verified along with a duplicate copy of a bill that looks like they generated it in their office. Again, there was NO signed contract attached binding me to Convergent to pay them any money. This collection account has now hit my credit report and is damaging my credit. I am insisting that this collection agency be removed from my credit report immediately.

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 2021-05-26
Company: Maury Cobb, Attorney at Law, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I don't owe this company any money. It's a law firm called Maury Cobb and they just keep robocalling me nonstop. I don't have any debt to be collected with them and all the robocalls are ridiculous.

Company response to consumer: Closed with explanation