BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: Sezzle Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Revoked Sezzle my permission to debit my accounts I effective immediately with a proper email and one of their forms I was told by Sezzle I need to fill out They have regular gone into my accounts trying to take money Also I asked to remove my debit cards information from the site but Sezzle doesn't allow let me. 

Notified I am going through a financial hardship and I will be returning to my job in a few weeks and can't pay weekly payments. But can when I return. 
They said they couldn't help me. 

So in writing I revoked my permission for Sezzle to debit my 2 debit cards. because the unwillingness to stop the debits have been mentally exhausting. 

They keep going into my bank account every day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Need to get a deferment to stop loan payments due to lack of money Also records report that loans were taken out for a school that I never attended

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX XXXX. My social security number is XXXX and my date of birth is XX/XX/ my address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my complaint is that equifax refused to removed judgment from XXXX XXXX  it shows on my credit file also I filed complaint with federal trade commissions please have equifax removed this negative item

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have ( or had now ) 3 Capital One Cards, All three accounts are closed they been paid for no problem for years when I changed banks and set up a new auto pay since the accounts are closed I havent been checking the status when I get them because the accounts are closed if the auto pay is set up theres no reason to look at anything with the account being closed the minimum monthly isnt going to change all of a sudden I get a notice in the mail only notice Ive ever gotten about anything the one of the accounts was sold to collections! 

How? Why? Because even though I turn the auto pay on and set it up it wasnt working no phone calls no notices in the mail nothing such XXXX  way to ruin my credit capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX XXXX XXXX, XXXX and DeptofEd/XXXX. I have reached out to the FTC and my local police department.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX  Balance Owed : {$15000.00}.

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 2016-09-30
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar refuses to apply payment correctly. To make it simple - Nationstar HAS received our payment for XXXX 2016. They have misapplied it. They have CASHED all our checks. Why is this company allowed to continue with their HORRIBLE business practices???? They have hurt my credit BADLY by saying we are behind on our payments!!!! The worst thing is this is the SECOND time they have done this to us. 


I expect an APOLOGY, I expect my CREDIT score to be corrected, and I expect the two checks that they RECEIVED for XXXX 2016 in the amounts of XXXX and XXXX which total the CORRECT amount due for XXXX to be applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
XX/XX/XXXX Loan in the stated amount of {$16000.00} to purchase a XXXX XXXX XXXX funded via Credit Acceptance , Inc. was accepted by me at the Vehicle dealership. 
After weeks of communications with XXXX XXXX in XXXX Ohio I purchased a vehicle, a XXXX XXXX. The salesman, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX after several hours sitting there finally found a lender for the purchase. It was nearing closing time when he came back and told me that the lender, he found was willing to do the loan for XXXX XXXX for the vehicle. The vehicle asking price was XXXX. So, I agreed and moved forward with the purchase agreement. After signing 2 or 3 papers directly for the purchase the financial person stated that he would do the rest of the paperwork online and give me a copy. 
Since it was dark and raining heavily and that XXXX had picked me up at my home I had agreed and did not take the time to read all the documents. I had an hours drive back to Pennsylvania. 
On XX/XX/XXXX I received my notice for payment due on XX/XX/XXXX. After I sent payment, I received several more notices. The next documents received via U.S. mail noted that the loan for this vehicle was for {$29000.00}. I called Credit Acceptance about this, thinking that there was some mistake especially since the papers that I signed noted that the loan amount was for {$15000.00}, or XXXX. On XX/XX/XXXX shortly after notifying XXXX that there was a problem with the exhaust on the vehicle, I could smell it upon startup of the vehicle when cold. The vehicle burned up on the highway after someone notified me that the vehicle was on fire while I was driving at about 65mph. 
The insurance, XXXX sent a payoff notice for the loan. Then I received a statement this month, XX/XX/XXXX for a balance due in the amount of {$14000.00} due on XX/XX/XXXX. I need help with this. According to the insurance company the loan was paid

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 2023-05-20
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called from 3 numbers at 3 different times : the first was XX/XX/2023 from XXXX ( XXXX ) XXXX. The second was XX/XX/XXXX from XXXX ( XXXX ) XXXX. And the third was XX/XX/XXXX at XXXX XXXX from XXXX ( XXXX ) XXXX. I know for a fact I do not owe any debt, and they are calling on weekends. I tried to silence the numbers but then they will just call from an alternate number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I REQUESTED MY LATE BE WAIVED BECAUSE MY PAYMENT WAS NOT POST MARKED LATE. THE MANAGER XXXX XXXX, CALLED ME AND TOLD ME NO. I ASKED FOR SOMETHING IN WRITING THAT MY REQUEST WAS DENIED. I WAS TOLD NO. I ASKED WHY DID I NOT GET A LATE FEE FOR XXXX, SHE WOULD NOT ANSWER. THEY HAVE NO MAIL REPECTICAL AT THE ADDRESS. THIS IS WHY MY PAYMENT WAS LATE. MY PAYMENT WAS NOT POST MARKED LATE. THEY ARE CHARGING A XXXX DOLLAR LATE FEE AND EVICTION DUE MY PAYMENT BEING RECEIVED ON THE XXXX INSTEAD OF THE XXXX. THEY WERE CLOSED ON THE XXXX AND DO NOT ACCEPT POST DATED CHECKS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.

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 2021-05-20
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call on XX/XX/XXXX from this debt collector saying I owed money from a past due in a state I used to live in. The lady I spoke to over the phone told me she would send me a letter from their company and I never received one, so XXXX comes around and they call me again. I say I have never received it and the same lady tells me there is nothing she can do and that she can not send me another one. She offers to let me sign in their payment portal and I get disconnected. I tried to call back but this time a male answered. This was on XX/XX/2021 at XXXX XXXX  MST. He then asks if I have a friend I could borrow money from to pay this debt. I hang up because I cant believe that was said. I manage to call back and get the same collector employee who was handling my case. I was able to login to the portal and see my total amount. The amount due keeps getting higher. I decided to write a letter to get this debt validated. Since then it has been more than 30 days and no one has tried to contact me to validate my debt and the amount I owe just keeps getting larger and larger.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I received an email from Nationstar that my home mortgage loan servicer was changed from XXXX to Nationstar. On XX/XX/2016 I received a privacy form letter from Nationstar stating that I could opt out of my information being provided by Nationstar to non-affiliates, etc., to market to me. Responding to this letter to indicate that I do n't want my information provided to such entities requires my Nationstar loan no. I called Nationstar to get my loan no., and was told it was not available because Nationstar just bought several other servicers and they are very busy inputting all of the data, but that there will be no late payment penalties for the first two months, presumably because it will take that much time for them to get me a loan no. so that I can make my mortgage payments. My concern is that many people will forget about this privacy letter between the time they receive it and the time they receive their loan no., thereby thwarting the purpose of the law. I would like to see Nationstar re-send the privacy notice with, or shortly after, it sends out the notice of everyone 's new loan no 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar mortgage refused to give me a loan modification because they want to take my house. I have been told to contact XXXX XXXX at XXXX and no ever answers or returns my call. A while back XXXX put some envelope with paper work underneath a mat on a door of my house that is never used so I did not get the papers. Now NationStar is ready top foreclose and has removed the ability to send email messages on their site and they do not provide any email for the loan rep I am suppose to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
Well fargo Card service did not respond or finish my accounts investigation on time as of XXXX XXXX this company received my dispute yet this failed to mail me anything I have requested

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 2020-07-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I transferred {$8300.00} to my bank account and i saw that someone changed my banking information. there was no was to call the company so i messaged them. they said the account was changed in 2015. i never noticed the change because i was hardly using the service at that time. they said there is nothing that they can do for me. I dont have any idea who this account belongs to. transaction number is XXXX and the case number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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 2020-10-20
Company: BMW Financial Services NA, 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 signed a 36 month lease with BMW with an option to buy at the end of the lease. From the beginning of 36 months there was one total on the entire vehicle, and there was a separate total counting down {$600.00} a month with each payment I made going towards the total amount of my 36 month lease.

If I chose to purchase the vehicle at the end of 36 months I was given one balance, that was written out in writing. In my contract. I do have documentation of this balance. 

As of XX/XX/2020 my complete payoff balance to purchase the vehicle outright was totaling around {$28000.00}. 

Two months later my car was deemed total because the insurance did not wish to cover the damages of a tree branch falling on the top of the vehicle. They wrote out a check for {$30000.00} and sent it to BMW.

Afterwords I received a notice that I had {$2000.00} added to my total payoff balance.

When I called BMW they said this was added because they wanted extra money for some of the features of the vehicle, after they found out the vehicle had been totaled And being paid by insurance rather than being paid off by myself. 

When I signed my contract I was told that the total of my vehicle was one thing and after they found out it was totaled and going through insurance, they changed the number and are requesting about {$3000.00} extra for the pay off. When in reality they are supposed to send me anything that was paid over from insurance, being about XXXX 

I asked them to show me in the fine print where they can change the payoff balance if it were totaled and I got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This Mortgage note was transferred from XXXX XXXX to Select Portfolio Servicing , inc. without consultation during the XXXX of 2018. 
Our attempts to find out why fees keep being added are not being answered? Also our attempts to pay down or re-negotiate the mortgage or the exorbitant interest rate are ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I AM REQUESTING TO SEE THE CORRECT CHAIN OF TITLE ON MY PROPERTY THAT I WAS CORNERED TO SELL. I BELIEVE NATIONSTAR MORTGAGE HAD NO STANDING IN COURT WHEN THE TOOK ME TO COURT AND LIED ABOUT NOT RECEIVING PAYMENTS FROM ME. I HAVE DONE RESEARCH AND IN THE CHAIN OF TITLE TO THE PROPERTY IN CONCERN THERE IS ALSO A ROBO SIGNED DOCUMENT THAT SHOULD HAVE BEEN DISCOVERED BY NATIONSTAR MTG, XXXX XXXX XXXX AND XXXX XXXX XXXX. IT WAS REQUESTED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREPARED BY XXXX XXXX AFTER RECORDED SENT TO XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SIGNED BY XXXX FOR XXXX XXXX XXXX XXXX AND NOTORIZED BY XXXX XXXX IN XXXX XXXX XXXX. PERSUANT TO XXXX XXXX XXXX or XXXX )

Company response to consumer: Closed with explanation