BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had an account with  XXXX   XXXX   XXXX  back in  XXXX  ; however, I did have their equipment which was showing that I owed  XXXX   XXXX   XXXX  {$500.00}. On  XXXX / XXXX / XXXX  at  XXXX , I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called  XXXX   XXXX   XXXX  ( now known as  XXXX   ) one wee k later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in  XXXX . I explained that I did not have an account with  XXXX   XXXX   XXXX  back in  XXXX  -  XXXX  with the address identified, yet during that timeframe I did have an account with   XXXX   XXXX  . And the account I held with  XXXX   XXXX  closed when I returned their equipment back in  XXXX . The representative explained that  XXXX   XXXX   XXXX  acquired  XXXX   XXXX  which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with   XXXX   XXXX   ( which I do not ) it is past t he statue of limitations to collect and merging a previous bill does not seem to be right.  I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.  
  
 A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.  
  
 I contacted Transunion by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with Transunion.  
  
 The issue here is that this information is still reporting the same on a ll 3 o f my major credit reports even after I returned the equipment to  XXXX   XXXX   XXXX  and was given a receipt that did not show information that there is a remaining balance.

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 2019-12-28
Company: Nelnet, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Nelnet Loan should have been in forbearance as I was in a forbearance with another department of education servicer. The XXXX and Nelnet Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. XXXX and Nelnet is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan. 


ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ...

Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status?

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not in debt. Portfoliorecovery continues to call me once or twice daily. I have asked them to take me off their list but calls continue. I block the call number but they call using different numbers, sometimes within my area code but also across the US. This is harassment!! Again, I am not in debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: National Auto Lenders, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have paid my car loan in full ( $ XXXX+ ) with National Auto Lenders on XX/XX/2019 and it has been 3 months. We have not received our title and the lender has not send request to XXXX request for Lien Holder to be removed. They issued a Lien Satisfaction twice with incorrect information. However, it has been corrected, now XXXX XXXX Agency in XXXX XXXX, FL and XXXX XXXX, FL refused to accept it. They are stating we need the original title, which we never received. It has created a very stressful situation over the past week for my family and I. I would like to request if someone will please contact National Auto Lenders title department at XXXX and ask for the responsible party and ask them to submit the necessary request to remove their name from our title with XXXX so that we can obtain it without the hassle. It has been a bit of discrimination and hassle dealing with the XXXX workers in the local offices. We are not being treated fair compared to their same race of peers. Please investigate this matter as soon as possible. Thank you in advance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Rocket Mortgage, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to refinance my XXXX loan with Rocket mortgage, after being approved for loan and having appraised I was told to make repairs I made repairs and asked for final inspection several times The never responded and never sent appraiser out allowing the rate lock to expire twice. They then said that it to too long for the appraiser that they did not sent out to return and my credit rate had drop, which was because I used credit cards repair they ordered that our city inspectors said was not required. I believe that Rocket Mortgage is using low ball appraisals and fake repairs to keep XXXX people in what they deem undesirable areas to refinance and access the equity built in their home, the loan # XXXX. I had everything in order on time to close loan and they still denied my refinance because the keep pushing back the closing date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and XXXX XXXX should have been in forbearance as I was in a forbearance with another department of education servicer. The XXXX and XXXX Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. XXXX and XXXX is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan.

ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ...

Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status?

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.

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 2022-05-03
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX Upon reviewing my lexis nexis report i found that there is a claim report on a vehicle from the previous owner before i purchased the same vehicle XXXX months after. 
XXXX file number is XXXX XXXX claim is XXXX Previous owner policy number/type is- XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX number of vehicle is XXXX My name is XXXX XXXX and Fiance name is XXXX XXXX we purchased this vehicle XX/XX/2021 and on our Lexis NexisXXXX XXXX report says that there is a claim from XX/XX/2021 on our report. 
Please for correction. 
Also there is a open claim from XXXX where it says that they paid XXXX $ to me and some insurance companies get confused that i have a claim still open. Please for correction so future misunderstanding is avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have contacted Rushmore Loan Management multiple times about removing our Private Mortgage  Insurance. They continue to give us the run around and fail to reply back to us. They told us via mail that we qualified to remove our PMI. They told us the loan to value had to be below 80 %. And denied us an appraisal. We had to file a complaint with the BBB to get them to order an appraisal. The appraisal, which they refuse to furnish a copy to us, they state shows a 78.8 % loan to value. This is below the 80 % stated they told us via the telephone. Now they are telling us it has to be below 75 %. The actions of this company are criminal. We have been fighting with them since XXXX XXXX  2017, 8 months at the time of this complaint, to remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan had been serviced by XXXX and I have been making {$2000.00} payments for years. I got notification my loan was sold to Shellpoint mortgage servicing. As of XXXX I will be making payments to them. 
I sent payment of {$2000.00} for XXXX as I always do even though my mortgage is only {$1200.00} on XX/XX/2019 through online banking. and the money went through. I sent XXXX payment of {$2000.00} on XX/XX/XXXX exactly the same way as it is on auto pay. 

shellpoint lost my XXXX but they did get the XXXX payment. I have called 6 times and talked to many different people. I have emailed the proof my " bank statements '' and proof from from my bank that each payment cleared my account and went into their account. XXXX went to XXXX and XXXX and XXXX when to shellpoint. they say they didn't receive the payment that went out XX/XX/XXXX on auto pay. 

They received my email but only send me generic responses and no one has contacted me. they have had my {$2000.00} for 2 months now and they are trying to tell me that I'm going to be late. 

I have all proof and documentation and they say they record the conversations. 
so I would really appreciate if you can investigate this company that is trying to take advantage of me and help me try to get to the bottom of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the years Portfolio Recovery Associates has inaccurately reported debt to my credit report bureaus. They've been reporting on a monthly basis for several years severely damaging my credit for a debt that's not owe or belonging to me. They are the ONLY debt collection agency in my report which should tell you that I'm not a person who doesn't pay their bills. 

I've tried various methods to get them to remove the debt. I've sent them numerous certified letters to validate that the debt owed by me, I've disputed the debt various times with the credit bureaus and even spoke with Portfolios representatives via the phone. To now avail have they been able to validate the debt and still refuse to remove it, years later. 

This type of inaccurate illegal reporting is hurting my credit and they can't seem to justify or validate their claims or why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company americollect has a client they are collecting for 'XXXX XXXX XXXX '. This debt was already paid for

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent in a {$5000.00} check. Wrote on the check to principle only. They didn't apply that XXXX to principle only. I called and told them. They told me it was automated that they couldn't do anything about. It was already done. Paying on the computer app and on website do not allow you to only pay principle. This is an evil company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX is one of the only banks that will allow XXXX personnel to open and maintain sterling accounts first thing when you come to XXXX. In fact they market to all of the newcomers. When you sign up they force you to open both a sterling and a dollar account. You can not get a debit card for the sterling account that works anywhere other than their atm. In order to set up rent payments you have to set up direct payments. As of XXXX they are no longer offering that service for direct payments. This directly affects how Many XXXX members pay their rent and other services. I feel the bank has been misleading customers and are not complying with best practices. Also the mobile AP hasnt worked for months. And the fees for changing dollars to sterling can fluctuate while youre waiting for the transaction. It tends to go in their favor on paydays.

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 2022-05-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX is reporting false & misleading information. 

Name on alleged debt doesnt belong to me. Different name on account. 

XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am aware of the lawsuit filed against OCWEN in federal court this year. I read a copy of the filed complaint and have experienced just about every issue in the complaint. I have had payment misapplied for years and then I have had to have them reversed while being reported late on payments even though it is OCWEN who applied to payment wrong. What is most concerning is when I request my loan history and those transactions do not appear as if someone has removed them to cover themselves. I have contacted OCWEN several times over the past 5 years to dispute my issues when I have been reported as late on a payment and all that happens is I am spun around in a circle with make believe math to explain how they have come to the conclusion that I owe funds. Some of the late reporting against me has also occurred while I was XXXX as an XXXX XXXX service member and OCWEN was well aware of that fact as I have been an XXXX XXXX service member for over 17 years. Even though I have pointed out that I was XXXX and offered to provide proof the negative reporting remains. This has destroyed my credit rating and as a service member with my particular job it has the potential to impact my lively hood. Last year I over paid into ESCROW by almost {$2000.00} due to changes in my property tax rate. OCWEN issued payment to the state and is now refusing to issue me my refund. I should have been issued my refund in XXXX or XXXX of this year but still have not been given MY MONEY. They are illegally with holding money that does not belong to them and insist they can hold those funds indefinitely. It seem counter intuitive that OCWEN thinks I am late on my mortgage but at the same time would not give me money that I could use to make myself current. When does common sense take effect. I have filed complaints before but I am hoping with current action being taken against OCWEN that something will finally get done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
All inquires on transunion report are fraudulent. Contacted some and was told to contact the credit agency. Transunion has not responded.

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 2022-01-21
Company: Amsher Collection Services, Inc.
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:
AMSHER COLLECTION SE was notified of their mistake in placing a debt on my credit report that was not mine. They did not provide proper notification per the FDRA before they placed this item on my credit. Had they done so they would have been notified that this debt is not mine and proper means to show proof would have been presented to them. AMSHER COLLECTION SE after being notified of their mistake ran my credit again and put the debt on my XXXX and XXXX reports twice on each report. This happened after my first complaint to the consumer finance department and my letter sent to them directly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Over the internet I sold property to an unknown individual for USD using PayPal to accept the funds. I have used PayPal before and other online wallets or accounts and understand there sometimes holds or a pending status and felt comfortable of using it. So taking that into account when the unknown individual sent the money I made sure it was in my account but also with no hold or pending status. after feeling comfortable about that and thought the money was mine I sent the property to the individual and had no way of getting it back. about an hour later to my surprise paypal took the money out of my account and sent it back to the buyer claiming it was an unauthorized transaction and they did a " full investigation '' ( within one hour and not one question for me ) I have tried to talk to them with no solution because they wont accept responsibility meanwhile I have a negative balance for months now which is killing my credit score which was perfect before. I will never use paypal again. I can not understand how they can just take your money and send it back at anytime. It was my understanding that money was mine in my account with no hold or pending status. I understand that this was a scam now but the bigger problem is it's going to happen again and again because paypal is facilitating this behavior. So lets just say the account the money was sent from to my account was hacked which is possible but I don't believe it because of the amazing turn around time but lets just say ok that transaction was unauthorized but who should pay for it. ME! no, there has to be some kind of accountability here and I can't account for money unexpectedly coming out of my account any time or any day. But if paypal or any bank or online wallet wants be able to send money back to an account for what ever reason there has to be a status for that money like on hold of pending with a time frame whatever they want it to be whether its a day, month or year. PayPal claims they have fraud protection, that is a joke. I asked about this and was told it was a family and friends transaction which I had no idea. I did not send the money to select that option and did not speak to the buyer about it at all it was a surprise to me. So theirs no fraud protection, just paves the way for fraud. Sounds like XXXX XXXX old ways since there recent admission of guilt that it violated U.S. lawsThe Bank Secrecy Act and anti-fraud statutesby processing hundreds of thousands of transactions for XXXX XXXX agents and others involved in an international consumer fraud scheme and agreed to forfeit {$580.00} XXXX.

Company response to consumer: Closed with monetary relief