BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: SIMM Associates, Inc.
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX keeps calling after I have asked her to stop. I told her to only call a certain number & then to stop calling all together. She has been calling without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Management has violated one or more of the prohibitions set forth in 1692 of the Fair Debt Collection Practices Act. I believe they knowingly incorrectly addressed the initial notice of collection. The address listed on the notice does not include my full apartment number, XXXX, the apartment number is listed as XXXX. The apartment number in my building range from XXXX to XXXX. 
The notice was dated for XX/XX/XXXX and I did not receive this notice until the evening of XX/XX/XXXX because it was incorrectly delivered to a neighbor who inadvertently opened and read it. 
I have had several phone calls with Credit Management where I have advised them that I did not receive the notice as required by 1692 of  the Fair Debt Collection Practices Act. I have had them verify my address and they had my full apartment number. My address is also listed correctly on their website. The only response that I received when I advised them that I had not received the notice was, the notice was already sent or we sent it. 
I believe that they intentionally used an incomplete address with the hopes/intentions of not allowing me the ability to request that they validate the debt in question. 1692 of the Fair Debt Collection Practices Act allows me the ability to dispute the validity of the collections account within 30 days of receipt of their collections notice. This collection was reported on my credit bureau reports as of XX/XX/XXXX, days prior to one of my neighbors clipping the incorrectly address notice to the outside of my door. 
Since the notice had an incomplete apartment number listed, the notice communicated to a third party, sensitive and private financial information, also a violation of 1692 of the Fair Debt Collection Practices Act. 
This collection account dates back to XXXX for an account with XXXX XXXX XXXX  that has now been taken over by XXXX. My credit bureau report states the creditor is XXXX XXXX. As I have a current account with XXXX, this does not paint a clear and accurate picture of the original creditor. 
I have been in contact with XXXX. I have spent hours on phone calls and chat sessions attempting to find out any information on this collection and none of the agents I spoke to were able to tell me anything about the account or the reason I was being contacted by Credit Management.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I walked into XXXX XXXXXXXX in XXXX XXXX today to perform a simple lease buyout of my 2018 XXXX XXXX that I leased in XXXX of 2018. The woman I dealt with XXXX was extremely helpful, knowledgeable and nice. After she had taken my information and I had informed her I was paying cash for the buyout XXXX XXXX walked over and insisted he had to run my credit in order to accept cash for the vehicle, which I refused. I have worked in XXXX for 17 years and I have never heard of a company having to run my credit to accept a cash transaction. This is even more ridiculous because the lease is through XXXX, so it's financed through their finance department. I refused the inquiry as I am in the process of purchasing a home and do not need additional hard inquiries on my credit report for no reason. The argument became heated and he remarked, " We can either run the credit or you can't buy the car, and I'm not wasting my time on a transaction I don't make any money on ''. So I refused and left. XXXX XXXX  after arriving home I received a notification through XXXX that XXXX XXXX via XXXX had made not ONE but TWO hard inquiries into my credit. I did NOT give him permission to do so, and explicitly refused a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
State: IL
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 my Equifax credit report, the current/previous addresses listed include XXXX XXXX XXXX, XXXX PA. However, I have never lived at this address. This individual is related to me, but he is not me *and* I 've never lived at this address. I would like to have the erroneous address removed from my report so that I do n't ever end up with incorrect information associated with my credit report. 

I request that XXXX XXXX XXXX XXXX PA be removed immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I, XXXX XXXX, a federally protected consumer and NATURAL PERSON, has been disproportionately VIOLATED by Navy Federal Credit Union. I opened my NFCU account in XXXX and in the beginning of XXXX NFCU made an unlawful decision to not send me an updated card and close my credit card account. At that point I had not fallen behind on my account so I was totally confused and completely stressed about their poor decision. It was at the peak of the pandemic and to make matters worse NFCU began taking money out of my checking account to put towards this closed credit card account causing overdraft fees. NFCU closed closed my account and negatively reported an unvalidated debt without my permission, which was of no benefit to me violating the Consumer Credit Protections Act. Pursuant to 15 USC 1601 ( a ) these laws were put in place to protect the consumer against inaccurate and unfair credit billing and credit card practices. Performing actions on a consumer account without their permission is undermining congress. 

NFCU repeatedly called/ texted me, took money from my checking account causing other bills to go unpaid. My consumer rating took a major hit because now this closed account is making my utilization high making it hard for me to get financing for a reliable vehicle to make it back and forth to work to maintain a living for myself and my family. I now know my rights and I am done being being violated and I demand remedy for the unnecessary stress and mental anguish this credit union has caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After noticing the debt on my credit report, and noticing my credit report also states I have made a payment to Convergent and I have NOT, I sent a letter to XXXX XXXX ( here on out referred to as XXXX ) via XXXX requesting debt validation. 

A request was made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As stated in the law, XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter, or phone call from XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report, and more than 1 month since I requested validation.

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 2017-10-05
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citicard allowed my credit card to be used over the credit limit they set. Then instead of allowing me to pay my original minimum payment they are requesting I pay the minimum in addition to the over the credit limit amount.

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 2019-07-01
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: Information belongs to someone else

Complaint:
I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: WELLS FARGO & COMPANY
State: WI
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 had so many issues with Wells Fargo private student loans. I have been making payments and even paid well over my monthly amount to take care of the outstanding late payments. Every single month the amount has consistently been increasing and not decreasing despite my attempts to pay it off and work with the company. They harasse me none stop. I was asked to provide a break down of all payments made along with any fees assessed so that I could take a look at where this is all coming from and I have yet to receive that information. I know for a fact that I called and set up payment and not only was the payment not taken out I was given a late fee and hit on my credit report. This is ridiculous. How long is the Finacial governing agency going to let banks get away with this type of robbery? This has caused me physical and emotional distress. I think any student that took out private student loans should be able to convert them into federal student loans. Wells Fargo continues to rob the people who choose to given them their business. The CEO is a cockroach and when you find one in the kitchen there are many many many more. I urge you to help students who went to school to make there lives better, remedy what is happening. This is exactly what happened with the housing crisis except with student loans. We need relief from this the same way people were able to get realif from the  housing crash. Im sick of being constantly robbed and loving pay check to pay check trying to pay amounts that arent justified.

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 2019-07-01
Company: Altisource Portfolio Solutions, S.à r.l.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Collection Company attempted to collect money from money I owe, which its been closed. The debts collection company is not the original debt collection 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 2019-07-01
Company: EQUIFAX, 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:
this account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have let the know both TransUnion and XXXX know that I am a victim of identity theft both on my own and thru this forum. I have informed them of the accounts that were a result of this theft and some they removed which I appreciate but other still remain. These accounts are claimed to be mine but they are not and I was wondering how they came to this conclusion.

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 2017-10-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE

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 2021-05-15
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently purchased a house with LoanDepot.com LLC as my loan servicer. The transaction was closed on XX/XX/2021. As part of the closing, I prepaid {$4500.00} to LoanDepot for 6-month county property tax due on XX/XX/2021. My monthly contribution to an escrow account held by LoanDepot is {$780.00}, covering future property tax payments and home insurance premium. 

In the week of XX/XX/2021, I started to enquire LoanDepot when they would settle my property tax payment. Later it turns out that LoanDepot made duplicated payments to the county, once from my escrow account on XX/XX/2021 of {$1100.00} and a second time from my prepayment. After deducting a duplicated tax payment of {$1100.00} from the original prepayment of {$4500.00}, LoanDepot deposited the remaining balance of {$3400.00} as an initial escrow deposit to my escrow account on XX/XX/2021. 

As of today, XX/XX/2021, XXXX County, Washington, only posted one receipt of {$1100.00} on XX/XX/2021 ( receipt no. XXXX ). After several correspondence with LoanDepot, they admitted that they mismanaged my escrow funds and sent a duplicated tax payment. They claimed that they were communicating with XXXX County to seek a refund. There was no details of actions disclosed and there was no response from the county. LoanDepot kept emailing me postponing the deadline to solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Experian Information Solutions 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:
this account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP..

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 2017-10-07
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: Old information reappears or never goes away

Complaint:
I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next 3 installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Four Directions Lending LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/ I agreed to a loan for {$900.00}. When I go back to look at the loan I noticed now the loan is saying multiple advance for {$1800.00}. I only received {$900.00}. The loan also states its from XXXX to XXXX. Intetest rate of 777.82 %. The finance charge is {$6000.00} the total if paid the length of loan is {$6900.00} and that's paying XXXX weekly until loan is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX  - New Credit Inquiry XX/XX/2022 - AMEX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next 3 installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!

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 2021-05-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was contacted by chase mortgage that I did not qualify for mortgage assistance.I am a XXXX widow and on a limited income.I have a credit score of XXXX.My daughter and her family pay me XXXX a month to help me.They have thiere own bills to pay and so do i.They have gone up on my house payment XXXX a month.I get paid on the 3rd wednesday of each month and they charge me a XXXX late fee.I have a fannie mae loan and I thought they were suppose to help me in a situation like this.I cant afford my home by myself.It looks like my mortgage is not even going down.They bought my mortgage from loan depot and I have had nothing but problems.I have lived in my home for 35 years and I lost my husband 8 years ago.I feel like I am being turned down because of my situation.Not sure if I can contact Fannie mae or not.How is a XXXX person on a limited income suppose to survive.They act like I should just get rid of my home so they can get thiere money.Please Help

Company response to consumer: Closed with explanation