BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is kind of a XXXX part debt issue. I received bills for services for my children. I sent the hospital my child support orders that state that I am only responsible for a certain portion of the bill. I have communicated with them that I should only be billed for what I'm responsible for, they told me that I need to pay it and get it from my children 's father. I've told them multiple times that I barely get child support why would I pay a debt that not mine per my child support court order. Hospital send the bills to collection after like XXXX months even though it takes them longer than two months to get me a bill. I contacted the collection company and provided them with the child support orders, I've paid more than I should have or medical bills and they need to send the bills to the children 's fathers and to quit harassing me for them. The balances are not correct and I have requested that hospital reflect what is due from me and I have paid my portions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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: Personal information incorrect

Complaint:
Chexsystems, There is incorrect personal information on my report that I am requesting to be updated and corrected - attached to this complaint are : - Letter - Drivers license - Social security card - Address Please have these inaccuracies corrected.

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 2019-10-08
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : XXXX / XXXX Please be advised that this account was fully paid off to XXXX XXXX XXXX REF # XXXX VIA XXXX XXXX CHECK XXXX ON XXXX XXXX, 2019 AND CASHED XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
Beginning in XX/XX/2017 I've disputed the student loans reported on my credit profiles by Navient, I wrote them numerous letters asking them to show the original promissory note I supposedly signed. They sent me a computer printout with no signature, only saying these loans were e-filed. I wrote again disputing the validity of the loans and they wrote my back stating I could dispute but this is my loan. I continued to dispute with the same dispute as before and that is to prove these are my loans in which are duplicated on my credit reports to appear as more than one they are different on the three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/2020, I used Chrysler Capital 's online checking account payment platform to pay my monthly balance. I accidently did not include one of the zeros at the beginning of the account number. The payment was rejected and I was immediately assessed a XXXX $ fee. On XXXX I called Chrysler capital to ask about the fee, and explained that I has simply missed a zero. I could not believe that missing a digit in an online payment box would instantly result in a XXXX $ fee ( the fee assessed for bounced checks, etc ). I could not understand why the online platform marketed as 'PAY WITH CHECKING OR SAVINGS it's fast, easy and FREE! ' would be so quick to assess a fee. 

In any case, to keep my account current, I paid both the payment balance and the fee, but I expected that the fee would be reimbursed, based on my conversation with customer support on XXXX. 

When I checked later on XXXX, I was told that the fee could not be returned because it was already paid, and because it was 'in the contract ' that payments that did not go through were to be assessed a XXXX $ fee. Nevertheless, I explained my dismay and a customer service agent promised to elevate the problem again. 


On XXXX I called Chrysler capital again to complain about the fee and was told that it was denied because it had already been paid. 

I have asked repeatedly for more information on the fee, and was always told that it was 'in the contract '. I asked for specification on where it was in the contract, and never received any additional information. 

In any case, I view this fee as extremely unfair, and that the payment system was set up to solicit mistaken entries and assess fees. I would encourage people to avoid chrysler capital. 

I was promised that the fee would be

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchased a car XXXX XXXX and purchased gap insurance, sold vehicle and didnt receive the gap insurance premium back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-09-12
Company: Nelnet, Inc.
State: OH
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:
Under the CARES ACT I thought all student loans were in deferment? Yet NELNET is charging interstate 's to my accounts currently. I was on deferment plan and was never contacted on the update to what would be done under the CARES ACT with the loans so I assume the law protected interest being added to the accounts currently until year 's end. Also I have a persons name unrelated to myself or family that has his loan information mail being sent to my house. Are the accounts crossed? I show the balance being paid off yet I'm being billed still?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Initially I received a student loan under {$15000.00} never received any of the money. XXXX XXXX tick all of the funds and even not using my entire student loan I never saw any of it back. I know there is a class action lawsuit and I am trying to seek legal counsel for this because I have {$30000.00} now that I have to pay back when They never assisted me in finding employment I never worked as a pharmacy technician which I had my XXXX degree from. I want my money back and I want my credit report to be cleared because they have fraudulently taken my money and continue to increase interests on a loan that should have been closed and canceled because of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX XXXX XXXX over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the FDIC ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Transactions were made that were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX locations were credited back to my account. The XXXX charges were then permanently credit back, but XXXX XXXX XXXX was not. 

Submitted police report and documents showing the account were fraudulent with these merchants. 

Bank of America reviewed and refused to remove these charges. 

Charges were {$1200.00} in total.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have hard inquiries that are unfamiliar ; that I did not perform credit checks for. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-05-26
Company: Experian Information Solutions Inc.
State: CA
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:
SEVERAL TIMES I ASKED IN WRITING EXPERIAN TO REMOVE 4 FRAUFULENT AND DUBLICATED ITEMS FROM MY CREDIT REPORT BUT THEY REFUSED TO DO SO. XXXX & XXXX HAVE REMOVED THEM LONG TIME AGO. I AM SUSPICIOUS THAT EXPERIAN NEVER DID ANY INVSTIGATION, BECAUSE AS I FOUND OUT THEY SELL VERY EXPENSIVE NEGATIVE REPORTS TO SUPRIME LENDERS. EXPERIAN ALSO REFUSED TO SEND ME MY ANNUAL CREDIT REPORT AFTER SEVERAL REQUESTS, BECAUSE THE COULDNT MATCH MY INFO. XXXX & XXXX NEVER HAD THIS PROBLEM. I HAD MANY PROBLEMS BEFORE WITH EXPERIAN AS WELL AS MANY PEOPLE THAT I TALKED TO ABOUT SIMILAR PROBLEMS. IT SEEMS THAT EXPERIAN IS ACTING LIKE A XXXX WITH A LICENSE!

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A few years ago when I had a Wells Fargo checking account money kept disappearing unexpectedly when I would look over my statement I would see unauthorized charges I called each and every time those charges showed up and told customer service I didn't make the charge I didn't authorize it but it was made and led to multiple overdraft fees having to be paid even though I wasn't causing the overdraft it got so bad I finally just gave up and told them to keep whatever was left in my account and I quit Wells Fargo

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 2023-03-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
account frozen on XX/XX/XXXX called XX/XX/XXXX to unlocked, and frozen the same day called XXXX said it was under investigation. 

called the XXXX, 4 times got hunged up 3 times trying to find out what was wrong with my account was told to call back tomrrow called the XXXX was told someone had already talked me about it, got hung up again called the XXXX, was just told it was still under investigation

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 2021-01-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX hasnt updated my Credit score with their third-party XXXX XXXX, XXXX XXXX manager, XXXX. To-date its been 4 months and Ive Not received an Denial and or Approval letter. Equifax continues their XXXX XXXX acts with my Credit Report. Theyve removed my XXXX accounts and other Revolving and Installment accounts with efforts of XXXX me XXXX, XXXX XXXX living my best life. Now I told you Consumer Financial Protection Bureau that you are allowing this XXXX XXXX, but the Consumer Financial Protection Bureaus testimony is going to make a Rich man, again my Filing of Congressional inquires will make you folks talk and will also show XXXX acts by the Consumer Financial Protection Bureau internally, No one is Stopping me. I need documented evidence from you, the Consumer Financial Protection Bureau even if Congress has to get you folks to respect my Complaint, got it! XXXX XXXX XXXX hasnt Approved or Denied my XXXX Mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I agreed to terms with sales people at XXXX XXXX XXXX, and NMAC, and the terms were changed after purchase. A 90-day deferment is not being honored. Please see attached documents. 

A copy of the financing agreement was not provided to me upon signing the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Bureausbut they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are reporting on my Credit Reports : 1. MIDLAND FUNDING XXXXX Opened XXXX XXXX, 2016 Balance {$2400.00} ; 2. MIDLAND FUNDING XXXX Opened XXXX. XXXX, 2016 Balance {$1500.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Banco Popular de Puerto Rico ( XXXX XXXX ) Received a call from an unknown number ( XXXX ) stating that my bank account had been compromised. I waited for the automated message to finish and indicating the above situation. Then their customer service number started ringing. I waited to see if somebody picked up but i guess they heard me saying I was gon na play a joke on them, knowing it was a scam, the person hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
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:
ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was XXXX XXXX. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was XXXX XXXX. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Linebarger Goggan Blair & Sampson LLP
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was sent a letter by Linebarger Goggan Blair & Sampson, LLP from XXXX XXXX XXXX XXXX XXXX, TX ( I live in XXXX, TN ) for a parking violation on a street I have never been on. They have all my information including my license plate number on this letter. I never received a parking violation notice from the state/city, nor am aware of ever being on the street names so I suspect this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation