BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-27
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I attended XXXX XXXX of XXXX from XX/XX/XXXX-XX/XX/XXXXI took out XXXX private student loans to finance my education. 
My loans were initially serviced by Nelnet with no problems. 
In 2014 my loans were service released to Firstmark Serviceswhich is a subsidiary of Nelnet. 
I remit payments through XXXX XXXX Online Bill Pay making one payment of {$420.00} monthly. 
The servicer would split the payment and apply funds to each loan. 
I made 10 payments to FirstMark with no issues. 
The 11th payment was only applied to XXXX of my loans. Reason being is that the payment processing computer now can not distinguish between due dates and my entire payment was applied to the first loan coming due. 
I was told by customer service that, due to the due dates being off by one day, XX/XX/XXXX and XX/XX/XXXX, that the payment was only applied to XXXX account and that she could not make the date the same for both loans due to different banks holding the notes to my loans. I was told to send my payment to a different address where a human would apply the payments to my individual loans. I did this for my XX/XX/XXXX payment, submitting it XXXX XXXX, and it mysteriously disappeared for over 2 weeks before it was miraculously discovered on XX/XX/XXXX XXXX and backdated to XX/XX/XXXX XXXX. I would like to add that the payment being found coincided with a rather nasty email I sent Firstmark on XX/XX/XXXX XXXX. Since this date I have mailed XXXX additional payments to the address listed on my statement and thus far both payments have been applied only to the loan that is due on XX/XX/XXXX. I have called and emailed Firstmark and they have shown no interest in correcting this problem. It is my opinion that Firstmark created this problem in order to hinder myself and others in making loan payments. I believe this because the 10 prior payments the computer correctly and automatically split my payments among my XXXX accounts. Why would a servicer change this on purpose? To create more work on the student loan payer by making one have to call or email the servicer each month to have ones payment applied correctly? This is a major waste of my time and is causing undue stress in my life. I also believe, if I failed to call, this error would not be discovered within 30 days and then my credit would be irreparably damaged and thus I would be damaged monetarily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: Seattle Service Bureau, Inc
State: NY
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:
Hello, I took a loan from XXXX XXXX  in 2018 in the amount of {$3900.00} A remaining amount of {$1300.00} was sent to a collections agency called National service bureau last year. In XXXX of this year I called National Service Bureau and they agreed that I should pay half of the {$1300.00} and the account will be closed. 

I did pay that but the full amount was still showing on my account until when I filed a complaint. Funny, enough the company has the account as still opened with an amuount of {$650.00} instead of closing the account as settled. 


I would be glad if you could help me with this issue Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
COMENITY BANKXXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANKXXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANKXXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received mail at my new place of work, where I am a single sub-contract agent who does not get paid until the closing of a transaction. I called CBS and was transferred to XXXX XXXX. I tried to set up payment plans of {$25.00} which was my original agreement with XXXX XXXX prior to collection. I am a family of XXXX with {$XXXX} annual income. I tried to explain this to XXXX when she would not let me make a payment of {$25.00}. She was extremely rude to me and caused me a lot of distress with the things she was threatening me with. She told me that they had verified my new employment, " which means I have income and I have to pay at least {$300.00} a month or the balance in full otherwise they would sue me and come after me. And I would n't want to be responsible to more money after legal fees are involved, would I? '' That is rough verbatim of what XXXX said to me over my {$3600.00} balance with CBS. At one point she had me in tears when I tried to explain to her I did not want them contacting my new employer about my collections and trying to get me in trouble with my new job where I am trying to make money. I am a XXXX with no income coming in currently. I am only a few months in the business. She was very hateful and continued to threaten me with court and legal fees if I could not pay more than {$300.00} a month. Anytime I tried to explain that my annual income had not changed from the {$XXXX}, she would keep telling me they 've verified my employment. However, that does not mean my income has increased. 

I am trying to make my $ XXXX monthly payments the best I can. XXXX has me very afraid of being sued when I am trying my best to pay what I can. I am trying to be the best I can and I will continue to make my $ XXXX monthly payments if she would let me. 

It is not fair that I am not allowed by her to make a payment bc she does not feel it is enough money. Nor should I have to keep calling in hopes of getting someone different at CBS that may let me make my payment. I have asked to have a new case rep and they will not allow that either, even after I explain all of the distress XXXX XXXX has caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I do n't even have a XXXX credit card nor even used it so I do n't see why they put me in collections because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-08-13
Company: CURO Intermediate Holdings
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On Friday, XXXX XXXX, 2016, there was an un-authorized transaction in the amount of {$1100.00} from Speedy Cash. I never authorized Speedy Cash to use my card ending XXXX to pay for this loan. 

In the past I had a loan with speedy cash that was paid for in full, and one of the payments made on that loan was made by my card ending in XXXX. NEVER did I sign anything from Speedy Cash authorizing them to use this card for future payments, nor do they give you a warning saying this card will be and/or can be used for future payments. 

I took out a XXXX loan from Speedy Cash around XX/XX/XXXX or XX/XX/2016, NOT once did I provide them or authorize them to use my card ending in XXXX. I provided them with a different card number. I then let Speedy Cash know that I have retained an attorney and I am in the process of filing a Chapter XXXX bankruptcy. They refused to stop taking money from my acct because a bankruptcy case has not been filed, and this forced me to close my bank account with another financial institution because of their predatory practices. 

I contacted Speedy Cash and spoke with XXXX in the Bankruptcy Dept of Speedy Cash and she refused to reverse the transaction saying I authorized them to use this card. I attempted to explain that I DID NOT authorize them to use this card of this loan, and she told me because I used this card once on their website it authorizes them to use this card for payment. I told them NO where did I sign anything saying they can keep that card on file, it was a one time payment with this card. She did not care and kept repeating that I authorized them to use this card. 

This company preys on people and uses deceptive practices to take money from authorized accounts, they have been informed and have been provided my attorney 's information which obviously they could care less. The money they took belonged to my husband and was from HIS paycheck and not mine. This was money to pay for our rent, children 's school supplies, clothes and groceries until the next payday. 

I am respectfully requesting that this transaction be reversed and funds be deposited back into my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never notified of any kind of debt, any kind of court case, no notification at all from this company. All of a sudden I checked my bank account and my bank account was frozen on a legal hold, never received notice that my bank account was frozen. Will not tell me my case after begging for information, find out a third party company bought " my debt '' and then attempt to call them to get verification of debt, they refuse to give me the verification of debt. They hang up on me, or tell me to call back every time I call to try to get my bank account unfrozen and get verification of debt. My " debt '' is being collected through a third party company called Weltman Weinberg and Reiss. I never received any kind of notification that this would be happening to me, my bank account is still frozen over debt that they will not verify and no one is doing anything to get my account unfrozen, or work with me. I do not understand how this is legal. The company will lie in a court of law and tell a judge that you were delivered paperwork when you were not, and then the judge will make a judgment because they think that you are negligent because you are not there, however you were not served the paperwork! Unbelievable that this is happening. My bank account has been frozen for two weeks and there is nothing that I can do about it. This is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: VW Credit
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle at XXXX XXXX XXXX in XXXX. When the lease was up, I paid Volks Wagen Credit balance in full via wire transfer, I requested a paid in full letter which I received. This all transpired XX/XX/XXXX. I decided to sell the vehicle last week, XX/XX/XXXX. I discovered Volks Wagen Credit had a lien on the title, I contacted Vw credit and the said it was XXXX XXXX XXXX problem. I called XXXX they said it was Volks Wagen Credit mistake. I called VW credit again and they said they sent the release to the DMV and it would be two weeks! I lost my buyer, and now I 'm told I need to go to DMV and request Title. I paid in full {$15000.00} and a year and a half later they still have a lien! How many vehicles to they reposes with a false lien?????? I have to take a day off work to go to DMV and find another buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Consolidated Information Services Solutions, LLC
State: WA
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 have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later.

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The three credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for XXXX and XXXX  to help devaluate the dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX an automatic funds transfer was set to go to my bank account credit card {$300.00} by the XXXX no acknowledgement that this was happening. On the XXXX I deposited {$200.00} in this same account from my checking account and on XX/XX/XXXX both the {$300.00} and the {$200.00}. were deposited leaving the checking account overdrawn. 
I spoke with an agent from technical support at the bank after waiting on hold for over an hour when a 30 minute wait time was mentioned and the agent asked me my name and I gave it and told him of the issue and he transferred me to claim where after 15 minutes I hung up. This a.m. the problem still exists and I am concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the second complaint I have with Ocwen Loan Servicing. Ocwen did not pay my homeowner 's insurance and therefore it was canceled. This was after numerous calls with Ocwen to get it paid. I even had a 3 way call with Ocwen and my insurance agent. I thought it was taken care of since Ocwen stated they were going to XXXX the payment. I found out it was never done and I no longer have insurance. I lost my low deductible and my low premium for being a long term client. Ocwen put forced place coverage on my account and raised my payment. I have several calls to Ocwen 's Ombudsman team and manager ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX ). They will not give me help resolving the increase in my payment due to their error or resolving the loss of insurance. I have not been able to get new insurance. I will never be able to get the same deductible or payment for homeowners. I have called several insurance companies and get the same response either I wo n't be insured or a way higher amount than what I was paying. This was not my error. I have always been current on my mortgage. This has caused me a heavy burden. I have been fighting with them for 2 years now. I need a solution of how Ocwen is going to fix their error and a resolution of how I am going to be compensated for their error. I should have have to increase my payment for their error. I should not have to be penalized for the rest of my life for the loss of insurance ( deductible and payment ). How am I being protected from a Servicer that conducts business this way? I need this complaint resolved immediately. The last complaint was just forwarded to Ocwen but never resolved. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was checking my credit card seen I was being charged a penalty interest rate. I have had this American Express card for 5 years and never late almost always pay more than payment due. In XXXX I added a new bank received Email as soon as I received email, I fixed it. Payment still on time. They raised my interest for accidently putting in account number wrong. Totally I unjustified action!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Rubin & Rothman, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 XXXX XXXX XXXX XXXX, of Rubin & Rothman LLC posed as the attorney of XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).

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 2022-05-13
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXXXXXX XXXX XXXX   and XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

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 2021-11-14
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: Information belongs to someone else

Complaint:
So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXXXXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.

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