BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: Nelnet, Inc.
State: MI
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:
I have contacted Nelnet on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received to loans from XXXX XXXX XXXX loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( Nelnet ) states there's nothing they can do to call XXXX XXXX. I call XXXX XXXX they tell me to call NelNet. However, I did receive a detailed payment history from XXXX XXXX ( the original collection agency ). When I spoke with someone at Nelnet ( multiple times ) and told them that I had it and could send it over they ( Nelnet ) still stated to call XXXX XXXX, who told me call Nelnet again. Not only is Nelnet trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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 - I received a hard inquiry from Nissan dealership located XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I did not consent to my credit being processed nor was I present. I wrote an email and letter to the general manager. I have not heard back from anyone on how to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NY
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midland funding won two judgments against me in 2017. 

We received letters of satisfaction for said judgment, but they continue to garnish my wages. 

They have collected over and above the amount owed, per the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSWORLD SYSTEMS INC. HAS  FAILED TO TIMELY VALIDATE THE ALLGED DEBT AS REQUESTED BY MY DEBT VALIDATION LETTER SENT TO THEM OVER 2 MONTHS AGO. BASED ON INFORMATION AND BELIEF, THE ALLGED DEBT IS NOT MIND. THESE PEOPLE CONTINUE TO CONTACT ME AT HOME OVER AND OVER WITHOUT VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was charged {$510.00} for something called XXXX XXXX. This is not a service I am familiar with, nor my wife. As this was a foreign charge I immediately refuted the charge with Citibank ( my credit card provider ) was was issued a new card. On XX/XX/XXXX I received a letter from Citi Bank, who reports that they ran their own " investigation '' and found that the charge was legitimate and I was responsible for the {$510.00}. The paperwork included with the letter included the address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Florida XXXX. CitiBank concludes that I am responsible bases on XXXX verifying my credit card number, zip code and XXXX digit security code. Doing a quick internet search on XXXX XXXX and XXXX I see hundreds of complaints about this scam. I expect to be remedied.

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 2022-06-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report is showing XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Par both open XX/XX/XXXX That information is incorrect.

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 2022-06-13
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Good morning Aware we were almost done with the car payment we placed a call to ask for the pay-off amount to ensure we were sending the right amount. 
Last payment of {$400.00} was made on XX/XX/XXXX ( monthly payment was {$380.00} ). 
As with other accounts we were waiting for the car title but never received so on XX/XX/XXXX another call was placed to ask them about the title. Customer service checked my account and after a few minutes I was told everything was in order that if I want the car title I need to request it at my county or local DMV. 
Recently I was notified that there was a event to my credit report which affected my credit score ; when I checked my credit report I noticed the loan in question ( PNC Bank/BBVA ) is sending them a report as I owe them money. Like I owe them for XXXX payment and this event is affecting my credit score negatively. I was never late to payments and I did my due diligence to call and ask for a pay-off amount. 
Wanting to clarify this situation I called again XX/XX/XXXX. On this day, I got transferred on multiple occasions and after a little over 2 hours I was told that it shows I owe money but that someone will call me to clarify the situation with me. Also my contract that i sign on XX/XX/XXXX stated that my monthly payment is {$370.00} but them pnc change to {$380.00} without explanation. If someone show up and repocess my car for this I will contact an attorney, I still waiting for my tittle. I contact them numerous of time with no resolution This situation is not the best for customer satisfaction. 

XXXX XXXX she call me XX/XX/XXXX and she was rude, liar, incompetent and disrespectful. I pay my bill on time but PNC ruin my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Automatic Data Processing, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My payroll check is deposited into this account. On XX/XX/XXXX XXXX XXXX tickets were purchased using my card totaling over {$4800.00}. There would be no reason for me to make such a large purchase as my tickets are discounted at a very low rate to free. I called XXXX  ADP/ XXXX  XXXX  to file a complaint XX/XX/XXXX and was told it would take 90days to complete. At the end of their investigation I was told no error was committed and that I wouldnt receive a refund. I did not make the purchase. XXXX said its a bank issue and no one will provide me with any information on where the tickets. My account was hacked. Fraud was committed Id like my money back from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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 discovered numerous of account that reporting on my credit reports that do not belong to me, which means these account I did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: Resurgent Capital Services L.P.
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:
My complaint is against LVNV funding. I sent a registered letter on XX/XX/XXXX requesting verification of the debt, because they had filed, and then withdrew a small claims case against me in XXXX County in XXXX of XXXX. I have been given no response. As well, I have disputed their credit reporting on my record for the " date opened ''. They have re-aged the account as opened XX/XX/XXXX, which is completely false. Their continued reporting of this account as being opened and then not paid, shows as a " recent delinquency '', and therefore is causing me great hardship with any financial turns I take. I have been denied credit multiple times due to their false dating of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen from my car with my drivers license, Chase credit card, Case Debit card, XXXX credit card, and insurance card on XX/XX/XXXX. On XX/XX/XXXX I received fraudulent alert charges and immediately called Chase and XXXX to notify them about the fraud and the theft. I canceled those cards and received new ones. On XX/XX/XXXX I received a text from Chase regarding a one time password, confused I called Chase to find out someone with my drivers license and expired Chase debit card was trying to take out {$2000.00}. I reported it as fraud but it was to late. Chase had given someone with my drivers license and expired card {$2000.00} even though they did not know my PIN, they claimed they changed their phone number. On the phone I was told I would be reimbursed in 7-10 business days and instructed to freeze my accounts which I did. The next day I went to my local Chase to close my accounts and create new ones and to get a new debit card. I was asked to file a police report with I did XXXX XXXX I faxed the incident repot to Chase XX/XX/XXXX. I am still waiting to get refunded for my money which chase gave to someone who was not me. Chase will not reimburse me without a police report which I do not have. I have requested it from the police department but told it could take up to 90 days. I have called multiple times requesting my money be placed back in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In the beginning of XX/XX/XXXX I started to monitor my credit and found out there was a loan that I did not apply for. The amount was for {$650.00} and was " opened on XX/XX/XXXX. I have recntly contacted this company by phone and spoke to a collections rep that was rude and would only tell me that the loan was done in person. I requested validation of this debt and the rep told me no to just pay the balance and that they did not have to validate. I sent letters to the bureau 's to get this taken off since it was not mine nor validated and they refused to take it off saying it was accurate. I spoke to all 3 bureau 's about this and none of them had validation with my actual signature on the contract. I then sent out validation letters to AD ASTRA requesting validation and they sent a copy of the contract with my name typed in. In XX/XX/2017 I sent a second validation letter letting them know what they sent was not validation but just an unsigned  copy. A 3rd letter went out 30 days later and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It is my belief that my original complaint dated XX/XX/XXXX was erroneously classified as a dispute of a Credit Score and the CFPB Complaint ID XXXX was subsequently closed as a result of such a classification. Therefore, I am rewording & again submitting my primary complaint with very concise concerns. ( 1 ) Please provide me with the chapter and verse, per se, of the FCRA regulation which allows Credit Reporting Agencies to delete non-adverse payment data on accounts that have been Paid and Closed for at least ten years? This request is being made since deletion of such aged data appears to be an industry norm. Meaning, all three of the major Credit Reporting Agencies appear to be engaged in the same activity. ( 2 )  Regarding my account that was opened back in XX/XX/XXXX, I can see data going back only about seven years reflected on your latest report. Why is it, all of my perfect payment details going back to XXXX is not being shown for this account? Instead, your agency is mailing to me of a lot of reference material using a lot of paper which includes at least one non-working phone number for a XXXX, XXXX, number XXXX. Regarding this alleged toll free number, I again dialed it on XX/XX/XXXX, at XXXX XXXX  CDT. A recorded message states in part, were sorry the number you have dialed is not in service at this time or can not be reached from your calling area. As you may be aware, so-called reformed hardened street criminals, cyber criminals, bullies, as well as, persons just harboring hate have many different means they are using these days to either defraud one of goods & services or just simply to disrupt and/or deprive one of the rightful use and access of what rightfully & legally belongs to another person. Please mail me a new credit report once you have completed your research, if any.

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 2022-01-26
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in 2006 from XXXX XXXX for {$220000.00} with a co-borrower who is no longer on the deed as we completed a quit claim deed to remove his interest. When XXXX XXXX went out of business, the loan was then transferred and serviced by XXXX  XXXX XXXX and the investment group is XXXX XXXX XXXX XXXX XXXXXXXX and SLS is also a Servicer for the same loan. I fell behind on payments and the foreclosure process began, which I have been fighting for almost 10 years now, I went to court on my own behalf for the first few years, then ultimately sought legal advice, but no permanent resolution was found. I have tried to obtain help having an audit performed but have been unsuccessful. It was determined that robo-signing happened during transfers, but nothing changed. My title has changed hands many times and I believe there have been breaks in chain of title throughout the process giving XXXX XXXX XXXX XXXX XXXXXXXX no rights to my property. I filed XXXX XXXX to stop the foreclosure, but that is not a resolution to my ongoing problem/fight. I am now in jeopardy of them proceeding with scheduling a sale date and am seeking help as time is of the essence.

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 2016-03-06
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They are reporting old debt as new accounts

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 2022-04-29
Company: EQUIFAX, INC.
State: CA
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:
equifax credit monitoring continously does identity deft and holds my information without my consent. I don't know how to get rid of equifax, can you help me to keep equifax justified? Equifax puts inquiries on my name those I do not have requested, one is about XXXX XXXX in XX/XX/2021, second is XXXX XXXX XX/XX/2021, and the third is XXXX XXXX  XXXX when they convince the costumers in the store right before the interest of baying a product and put the costumers in trouble. equifax credit monitoring must stop identity deft. XXXX 's store must stop offeristic act of applying for credit card on costumers name and denying for unreasonable cause telling that there is an alert but I did not ask to put any alert and I do not see any alert, so how can XXXX XXXX see an alert on my credit? But I do not have any alert on my credit. The other first and second XXXX XXXX and XXXX are not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously submitted a complaint in this matter to Chase Bank Card Services ( Complaint ID # XXXX ). Today I spoke with " Chase Bank Executive Offices '' who referred to me to " Chase Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX, 2020 even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " Chase Card Services  '' was misleading and unclear. My credit is being harmed by this incorrect information. Chase Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
On XXXX XXXX 2021 I had contacted XXXXXXXX about collecting winning from playing games on XXXX XXXX! While talking to this gentlemen he had access to my account to use a program to verify deposit would go through using a program on his computer! At the time I was not aware what he was doing even when he had my password to get into my account at the time! I think for some reason that he was suppose to be from XXXX that it was ok! But then after a few minutes and hung up with him thats when I relized this was a scam and thats when I called the bank to close my card and then realized he had opened other account and taken all of my social security and stimulus check! I have report to the police and have tried to work with my bank about the issue and they are not working with me! I have also contacted the other account to let them know what happen and I still waiting to hear from them! No getting my money back is wrong since this was crime against me and losing that money is causing me so anger and stress and just want my money back and the bank does make this right then there are saying the theif wins again! Please help me to get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have had my auto loan with XXXX XXXX XXXX XXXX for 6 or 7 years I believe. In all these years, I have only missed XXXX payments- once in 2016 when my bank account was frozen due to fraudulent activity and I can't even recall what the second one was it's been so long but yet ... .WFDS continues to accrue late charges even though both were made known to them. Also, I have a ten day grace period - my payment is due on the XXXX and I ALWAYS pay before the XXXX. If it were not for incurring continued late charges even though I pay with grace period, my car would be paid off! I am asking that my late charges be waived.

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 2021-02-02
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I send payments through my XXXX XXXX ( XXXX ) checking account to my mortgage company, Quicken/Rocket Mortgage. I can see on my XXXX account when the payments are received by Quicken. However, Quicken doesn't seem to apply the payments timely. 

I have a XXXX account which shows " unknown '' for timely payments I made in XXXX through XX/XX/2020. All the payments were made in advance of due dates. However, when I contacted Quicken after seeing them on the credit reports, Quicken threw the issue back to XXXX. I asked Quicken to contact the credit bureaus and report them as paid timely. They indicated they don't do that!

I don't trust Quicken with what I have seen for several months on applying payments and doing it timely and accurately.

Company response to consumer: Closed with explanation