BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NelNet is reporting a closed account as still open. My student loan was transferred to another company ( XXXX ) in early 2022. XXXX cancelled/forgave total balance in XX/XX/2022. Nelnet is still reporting my account as open ; the two separate loan accounts I had with Nelnet were both transferred to XXXX. All three credit reports show the Nelnet accounts as still open. The Nelnet accounts are listed as open accounts with the credit reports and not listed as accounts paid in full and/or closed accounts. They were paid in full to Nelnet in early 2022 due to the transfer of lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
not sure how to fill out paper work sent to me before covid 19

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been making payments since XX/XX/2018 to American credit Acceptance ... monthly {$610.00}. not always in a timely manner ... but kept communication open and in good faith kept all arrangements regarding dates agreed on to get account current..total paid to date is {$15000.00} ... {$14000.00} was taken and applied to interest only ... .this is the amount applied to principal {$890.00} ... .how is this legal?? Also, I was never given a separate document to sign regarding a " 2-day '' option to cancel contract ... I am so distraught and feel that there is serious deceit and fraudulent practices by this company ... they have purposely lied to me on the phone making me believe that my account was current when payments were made and never once did anyone, in my many many phone calls, divulge or inform me that 96 % of my hard earned money was going straight to interest ... no words can describe how I feel ... they are deceitful..and taking money fraudulently without any regard for the law and laws that are suppose to protect the consumer. Please help ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: TN
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 pulled my credit report a few months ago and realized inquiries reporting that I didn't contribute to. I have disputed the inquiries with the all three credit reporting agencies because i have never done business with the said companies and Equifax is the only company that refuses to remove the inaccurate information. Each time i've disputed, I receive what seems to be an auto generated response, which means that the items haven't been investigated. The following inquiries are : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: American Recovery Service Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 use 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. XXXX XXXX also sold my account over to AMERICAN RECOVERY SERVICE INCORPERATED which they are now attempting to collect this allege debt. Which is now reporting to my credit reports which are in violation of 15 USC 1692 ( d ) 1 and 15 USC 1681a ( 2 ) b, hurting my reputation by not excluding this from my my credit report. AMERICAN RECOVERY SERVICE INCORPERATED is also in violation of 15 USC 1692j for furnishing certain deceptive forms trying to collect debt not owed to them ( See attachment Exhibit! ). AMERICAN RECOVERY SERVICE INCORPERATED Is also in violation of15 USC 1692b ( 5 ) for putting their logo on the document ( Exhibit A ). AMERICAN RECOVERY SERVICE INCORPERATED is in violation of 15 USC 1692b ( 2 ) saying they are a debt collector and saying " This is an attempt to collect a debt and any information is obtained will be used for that purpose ( Check Exhibit A )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I call Experian to remove a late payment on my credit report

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 2019-11-08
Company: EQUIFAX, INC.
State: GA
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX  XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX  XXXX XXXX, US DEPT ED and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
21st Mortgage Co. & XXXX XXXX  did not pay last two claims & lied about get out owner 's ownership insurance contract. We fortunately got history of deception especially XXXX XXXX and just recent XXXX today. Contact XXXX XXXX XXXX XXXX. Have photos of numerous problems that were not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This complaint is being directed against American Education Services, XXXX XXXX XXXX XXXX, Pennsylvania XXXX -- -- Fax XXXX XXXX. The loan number is XXXX. 

In 2006, {$10000.00} was loaned to XXXX XXXX XXXX and myself, XXXX XXXX XXXX, as co-signor. Since then we have paid on this loan and are up to date and our balance after 164 payments, and 11 years of paying, is still over $ 7,000.The APR is 11.295 % and the total moneys we are slated to pay is {$39000.00}, which is four times the borrowed amount. We have been told that the government considers this a PREDITORY LOAN. 

The total we have to pay monthly is approx {$83.00}. In our advancing years this is causing a financial hardship and is straining our budget more with every passing year. 

We have already paid more than {$13000.00} on this preditory loan, and it is increasingly wreaking havok with our budget. 

We, therefore, are willing to pay {$3000.00} to completely payoff this preditory debt and receive a release from any and all further debt to AES and XXXX XXXX XXXX and it's assigns. We are willing to settle within 5 days from AES 's acceptance and we will pay you in a bank certified check. 

We hope you will approve this settlement so that we do not have to resort to litigation. 

XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX : logged into XXXX account and saw note that my " IDR recertification expired over 90 days ago ; we needed more information but did not hear back from you. '' 1-I submitted it less than 90 days ago, had allowed linkage to IRS database, and received no notification of needing more information. Further, I have been in regular contact with customer service since XX/XX/XXXX asking why my monthly payment increased by {$200.00} and why my PSLF qualifying payments are inaccurate. I was told several times ( and have emails to document ) that my income had increased ( even though I still make $ XXXX gross ). I was told several times to resubmit my ECF forms. I have resubmitted countless times and have fax receipts to prove it. I have been working in 501c3 nonprofits ( XXXX ) since XX/XX/XXXX and have been on an IDR plan since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company XXXX XXXX XXXX XXXX, GAP Program Administrator, XXXX XXXX XXXX, XXXX, AZ XXXX has failed to fulfill their obligation to pay on a claim submitted by the insured. This claim has been ongoing since XX/XX/XXXX. The claim was on a XXXX XXXX XXXX VIN XXXX. The date of loss was XX/XX/XXXX. XXXX XXXX put the replacement cost at {$11000.00}, Less Depreciation {$3700.00}, Actual Cash Value {$7200.00}, Less Policy Deductible {$1500.00}, Settlement Amount {$5600.00}. A portion of the " gap '' amount should have been paid by XXXX XXXX. But to date has not.

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 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For Merchant Capital One. 
Please provide proof the debt is mine by providing proof of signed contract, date signed, etc. I had this debt/error REMOVED because it was originally appeared on my credit as a CHARGED OFF XX/XX/XXXX ( 5 years ago ) and has suddenly popped up again on my credit report XX/XX/XXXX. 

The CHARGE OFF NEGATIVELY impacted my credit XX/XX/XXXX and I suffered a severe drop in my credit score. 

The CHARGE OFF NEGATIVELY impacted my credit AGAIN XX/XX/XXXX and caused a decrease of 60-71 points. This same debt is ALSO showing as PAST DUE. A " charge off '' is a debt that is written off and NO LONGER on the books as collectible account ; therefore, how can " charge off '' ALSO show as CURRENTLY PAST DUE? Either it is " charged off '' or it is " past due. '' It CAN NOT legally be both. Therefore why are creditors allowed to DOUBLE DIP and post the same transaction MULTIPLE times in this instance 5 years later resulting causing further detriment my ( consumer ) credit report/score? 

Why are creditors given card blanc to bulldozer ( bully ) a creditor with such credit tactics?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Keep getting calls from comentity bank. I have had over 4 accounts open with that bank and it has never been me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I need my funds in PayPal. My email linked to my PayPal is " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
State: FL
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 had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY Equifax showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to Equifax. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from equifax ... note : IT'S MY ONLY BLEMISH ... 
Original Debt : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX who totally botched : Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was just informed that Bank of America has turned into the IRS a XXXX for {>= $1,000,000} in proceeds I received from my foreclosure. I didn't receive a dime. They said this is standard procedure. Are they crazy?

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 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Greetings I have initiated a dispute with TRANS UNION to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me. Below are the reporting Inquiries that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX  - Date Filed : XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi THD/CBNA ; how are you? I just got off the phone with your representatives and it looks like that the account was transferred to XXXX XXXX, but i was never informed and it's not even reflecting on my credit report who to contact. When i called your company and citibank recovery team, they stated that i have to call different company which is not listed on my credit report. Please delete! I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX for code of ethics violations.

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 2023-07-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a long time customer with JP Morgan Chase dating back to when they acquired my account from Washington Mutual in XXXX. I have had a safe deposit box that was free for over 10 years with them. They sent mail notices out stating they are instituting a {$65.00} box fee which I never saw. They are refusing to credit my account for the annual fee even though I will be removing my items from the box and closing the box now that I know regarding the changed policy and {$65.00} fee. I would like to report them for not trying to notify long time customer by other methods other than US mail which can be lost and not seen for various reasons.

Company response to consumer: Closed with explanation