BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Have been leasing a number of XXXX cars, my last lease that was over in XX/XX/XXXX. There was a disposition fee of {$390.00} that is paid when the lease is over and is usually mailed to address on record. I never received that letter so I can pay the bill, I have always been on time with them including all car payments for years and all disposition fees if applicable. In XX/XX/XXXX, I received a mark on my credit report saying i have a missed payment. I immediately called them and paid, and also tried for them to take it off the credit report as I never received the letter with the final bill, which I would have paid without a problem. This crushed my credit report and it took me over a year to return to normalcy more or less. I tried again get it removed and XXXX XXXX XXXX said they do n't want to do anything. It is still showing up on my report. Please help. I never missed a payment to anyone since I was XXXX years old, so almost 20 years.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Synergetic Communication Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several attempts has been made to contact Synergetic Communications without success. Called during business hours on several occasions and reached a voicemail each time. Wrote a letter to Synergetic Communication explaining that this is not my debt of XXXX. This information that this collection company is not accurate and they have the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 I was denied a 6,000 loan. I was denied based on my outstanding delinquencies on my consumer report and my ability to pay loan based on my other credit transactions. Those reasons are unlawful and discriminating. The law 15 U.S. Code 169 ( a ) states It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. A credit transaction is the repayment of money loaned or loan commitment made, or payment for goods, services, or properties sold or leased, is to be made at a future date or dates. So Upstart adverse action is unlawful by all means.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Global Credit & Collection Corporation
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To XXXX XXXX XXXX file # XXXX This is a time barred debt. 
I have filed several complaints about several companies since XX/XX/2016 starting with XXXX XXXX XXXX in Texas Case # XXXX. Here is a list : 1. XXXX XXXX XXXX after they said they would cease collection who then turned it over to 2. XXXX also in Texas Case # XXXX also who agreed to cease collection and return it back to XXXX. 
Recently a barrage of agencies have been contacting me starting with XXXX XXXX Case # XXXX which could not be located. 
At the same time I had mail from an agency, XXXX  in Washington State, and calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all claiming to be collection on this same XXXX XXXX  Time barred Debt which XXXX XXXX wrote off a decade ago. 
It does not appear on any of my Credit reports which I monitor regularly. 
XXXX, XXXX and XXXX all ceased attempting collection when I confronted them with the status. 
XXXX XXXX XXXX ( calling me from XXXX ) you are only the latest in a line of agencies that have lied, connived, threatened and continue to attempt to collect a debt that XXXX XXXX  themselves wrote off. It is time barred, considered un-collectible. 
It is not on my credit reports. 
Stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is a collection agency for rental properties and has reported to my credit reports on November 21, 2019. I never received any correspondence from them about owning debt so I was not afforded the right to request validation of debt. When I got notice of collection on my report, I immediately sent a debt validation letter to said company.XXXX XXXX XXXX never sent me anything showing I owed the debt but they did send me a letter dating XX/XX/XXXX which stated the original amount of debt was and then the interest they added onto the debt to make total even more. According to the FDCPA, ( Section if a debt collector is attempting to collect on your debt, they need to do so according to the original contract you signed. This contract refers to the one you signed with your original creditor. Even though this debt was most likely purchased from the original creditor ( or someone else who had purchased it from the original creditor ), the terms are passed down through the chain of ownership. Therefore, a debt collector can not add fees to your debt without permission from the courts. This means that you will need to have a judgment placed upon you before any fees are added. I have not received any court judgements or any paperwork from XXXX XXXX XXXX stating they were able to add interest. I kept requesting proof of debt on multiple occasions since XXXX of XXXX and a letter dated XX/XX/XXXX I received another letter with even more interest and then a move out bill that had the original amount owed by original creditor but no contract of any sort stating I was the responsible party who owed this amount nor had my or creditors information on it. I asked again multiple times why interest was being applied and even the creditors contact info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
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:
Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have not provided me with any documentation, I am under the impression that you can not verify these accounts. Therefore you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items form my credit reports immediately. If I do not receive a revised credit report, with the items removed at my current address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your company may be liable for : actual damage I sustained by your failure to delete items, punitive damages as the court allows, and cost of the court action plus attorney 's fees. Since XXXX of 2016, I have been sending certified letters regarding XXXX XXXX via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from XXXX XXXX asking for clarity of my dispute, I could n't be any clearer, I want proof these are my accounts. If you can not provide a signed contract/agreement between myself and XXXX XXXX, then you must delete the accounts from my credit report. This is what I stated in my letters : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: LA
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 recently filed a complaint about Equifax having fraudulent credit inquiries on my report. I was told to contact them in regards to this. Well, I called this evening and talked with XXXX from Equifax in regards to the fraudulent inquiries on my report. She told me to talk to the fraud department and she did n't even notice that my birthday was n't correct after I verified it with her. So I 'm transferred to the fraud department and the rep there does n't do anything to help at all. I have fraudulent inquiries on my report and these people wo n't show me how they proved that I did this nor will they help me in getting these things resolved. I also attached my drivers license which has my correct birthdate instead of the incorrect one in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
From XX/XX/XXXX-XX/XX/XXXXI contacted Navient to inform them that the monthly payment was entirely to high for me to pay, each year they suggested that I apply for forbearance. After I exhausted the forberance, they told me to consolidate my loan in order to apply for forberance again. Now my student loans are enormously higher and I still ca n't pay anything but the interest so now I 'll be paying this loan for the next 50 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/XXXX ... .XX/XX/XXXX ... and XX/XX/XXXX I attempted to call Equifax Credit Bureau . I called to update my addresses and to request the removal of some inquiries that I did n't initiate or authorize ... ..I spoke to a U.S rep who was more than willing to update my addresses and remove my inquiries as soon as she finished updating my addresses and started to delete my inquiries her phone was disconnected. So I called right back and another rep was on the phone. So I explained to him what happened with the other rep that I called in and wanted to get my address updated and request removal of XXXX inquiries. I told him that 's what the other rep was in process of doing before our call was disconnected. He told me that he seen where she updated your address but he ca n't remove my inquiries. I asked why is that sir? He said they have no authorization to remove inquiries that I will need to contact the creditors and get a police report ... ..so I asked for a supervisor and he said the exact same thing. I 've seen where other people have gotten inquiries removed from Equifax without police reports or talking to creditors ... .also ive been hung up on a total of 6 times I explained to the supervisor that I have no contract with these creditors I believe that a lot of these inquiries were a result of the breach that 's going on ... .After that I 've been calling Equifax for 3 days and still no results!!!! A TOLTAL OF 13 HOURS TALIKNG TO Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: M.A.R.S., Inc.
State: KS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On X/XX/17 I received a letter and a call from MARS Inc. stating I owed {$1400.00} to XXXX XXXX XXXX. According to MARS Inc. they collect on accounts for XXXX XXXX XXXX and this amount was due for amounts owed from moving out of an apartment I rented from XXXX XXXX XXXX. I disputed this amount through letters and several communications. MARS Inc. then started reporting this amount to the Credit Bureau 's. On XXXX/XXXX/XXXX I sent a very detailed letter to XXXX XXXX and XXXX XXXX XXXX explaining why I did not owe this debt and in fact XXXX XXXX owed me money, they did not respond and continued reporting this amount to the credit bureau 's. Due to this I filed a small claims action on X/XX/17. I won the small claims action on X/XX/17 and was awarded {$570.00} plus interest. A few days later MARS Inc. called me and they knew about the judgment against XXXX XXXX XXXX but informed me I still owed {$880.00}. I sent a copy of the Petition I filed and the Journal Entry of Judgment to MARS Inc and they are still reporting that I owe {$880.00} to all the Credit Bureau 's to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: PLAZA HOME MORTGAGE, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced in XX/XX/XXXX and Plaza was the new bank. The first payment, due XX/XX/XXXX,
was in the amount of {$5000.00}. This amount- including taxes and insurance and based on an interest rate influenced our decision to refinance with Plaza. My XX/XX/XXXX statement, which is attached, notes the same amount. However, when I went online to make the XX/XX/XXXX payment, the amount due was shown as {$100.00} more. When I called Plaza, I was told that it was because of a shortage in the escrow account. They claimed to not know when the taxes were due and how much.
This is not acceptable to me and reeks of predatory lending practice by enticing a customer into a loan and then changing the terms ( bait and switch ) and it is illegal. A mere five months ago, Plaza obtained a title report showing the taxes on my house- school and town. The tax page of that report is attached as well and shows the town tax of {$6800.00} paid for XX/XX/XXXX ( the school tax is divided into two payments of {$6300.00} each, due in XXXX and XXXX ). In XX/XX/XXXX, I had received the attached notice from my town stating that Plaza had not paid my taxes. I had to call twice because the first rep blamed it on the title company. At closing, the title company had collected ( and paid ) my school tax due in XX/XX/XXXX. Because the three tax payment amount are similar, your rep was easily confused. Taxes in New York are higher than other parts of the country. I hope Plaza paid the interest that my town imposed, as I should not be responsible. If a lender insists on paying taxes and insurance and escrowing for same, they should have the decency to note the due dates and avoid penalties. Still- Plaza knew this amount was due and calculated its payment and escrow from the title report. The tax amount has not increased! It had actually decreased by approximately {$6.00} even with the penalty- to {$6800.00} from the title report amount. Therefore, I am puzzled as to why Plaza would feel it appropriate to increase my payment amount. I have sent them a letter and called to follow up ( 20 minutes on the phone ) to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Selene Finance LP
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Selene finance incorrectly determined that there was a lapse in my home owners insurance. As a result, they purchased a policy on my behalf without notifying me. This increased my monthly payment, also without notifying me. I continued to pay my regular monthly mortgage payment on time. They perceived a discrepancy in the monthly amount due. As a result, as I paid my monthly amount, they held it in an " unapplied status '', meaning they did not apply it to the account. They just held it. Also did not notify me. This made the account overdue. which it was not. They then reported an over 30 days past due amount to the credit bureau. Selene has all payments up to date yet is reporting past due. This has caused me to be denied a refinance loan and is negatively affecting my credit report. I have tried to call them, email them and use their online chat feature. Each time I am met with confusion on their part. I have made 3 phone calls to address the {$2500.00} that is being held but not applied to the loan. Each time I am told it is resolved, then it is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Trident Asset Management, L.L.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is not mine and it still continues to show up on my credit report. I have yet to receive any information regarding this debt and never was contacted by phone either. The amount owed is also incorrect due to damages done by tenants ( not me ). There were other tenants on lease and I am not responsible for this. Also, I have called and emailed and nobody will respond as well ( I can provide proof ). This needs to be taken off of my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I completed my Loan Modification package the month of XX/XX/21 and have continuously been deceived by SPS about receiving a loan modification. This company is purposely deceiving me by LYING about documents sent via email. I have sent EVERY piece of documents asked for by this company and more than once. This behavior is a deliberate and repeated action and is a PATTERN conducted by SPS in an attempt of depriving me of a loan modification that has nothing to do with COCID-19 and NO I dont need a forbearance- this is what their employees are scripted to state on each call. SPS is deliberately denying me the ability to have relief and pay a lower mortgage.As you can notice how this company conducts its business thru deceit and lies in hopes. That I will just stop sending documents. SPS constant lying that documents are missing is ignorance on this companys part, asking for the same documents over and over. Please NOTICE how obvious SPS actions are. A VERY DELIBERATE PATTERN THAT IS REPEATED OVER AND OVER. As you can see from the documentation I have presented SPS has 18 instances of REPEAT PATTERNS of asking for DUPLICATE MISSING DOCUMENTS that already has been sent via email at Relationship.Manager@spservicing.com. I NUMBERED EVERY DOCUMENT I have emailed to SPS and have sent over 200 pieces of documents. 214 pieces to be precise and all I have to do is go to MY PAGE of this so called missing document, pull it out and email it to SPS again and again, over and over. Its as if SPS is upset due to my sending every piece of document they have asked for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
kohls info reporting on credit report is wrong rating line XX/XX/XXXX was ok, XX/XX/XXXX im 30 days late. date closed XX/XX/XXXX & XX/XX/XXXX. charge off dates XX/XX/XXXX & XX/XX/XXXX. how can be 2 different charge off dates. last payments shows XX/XX/XXXX & XX/XX/XXXX while credit report doesnt show any payments made on their trade lines. no notes saying placed for collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with XXXX, XXXX and Expirian, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.

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