BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I called a number I thought was related to my Great Lakes XXXX XXXX but it was actually a scammer. Their number is XXXX. They got my social security number and were able to change my password on studentaid.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

1. Loan was modified. Creditor error and should not be showing 30 days late. 
XXXX Account Number : XXXX Creditor took 30 days to modify the loan and should not being showing as late. Please remove the 30 day late payment from my credit report 2. The Balance  on this account is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Creditor deferred payments for natural disaster fromXX/XX/XXXX Thru XX/XX/XXXX. Creditor error should not be late XXXX Account Number : XXXX Deferred by the creditor for natural disaster and should not be showing late payment history. Please remove them from my credit report.

4. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Please remove this inaccurate past due information on my credit report.

5. Monthly payments were not applied to the account or recorded correctly and was never late.

XXXX Account Number : XXXX Never 30 days late. Please remove the incorrect late payment from my credit report.

6. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XXXX XXXX Account Number : XXXX full termination/entire payment schedule completed for terms of agreement. Please update, correct and delete all the incorrect items 7. This is a duplicate account Sold toXX/XX/XXXX and should not be reporting twice PROSPER Account Number : XXXX Duplicate accounts should not be on my credit file. Please remove from my credit report. 

8. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XX/XX/XXXXXXXX Account Number : XXXX Please update and delete all the incorrect items. 

9. There are multiple things that are being reported incorrectly in this account. If you can not verify please remove. 
XX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a student loan payment on XX/XX/XXXX through Mohela, my student loan provider. I called Mohela on XX/XX/XXXX and requested a refund for this payment. I was informed by the servicer that I would not receive this refund for many months. I was also informed that I would not receive a confirmation that the refund request was processed. Mohela said my loan balance will not be reinstated with the refunded amount until I receive my refund, which they said was going to take a very long time. 
I am concerned that I will not receive my refund before XX/XX/XXXX, which is the government deadline to submit a loan forgiveness application in order to not accrue interest starting on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: SC
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:
Submitted information several times via USPS, Experian Upload, and directly to Experian through my credit monitoring application. The information was what I was told directly from them that I needed to remove the file. Both XXXX and XXXX have removed the account. My first submission was in XXXX of 2021, then again in XXXX and XXXX. I have an account that paid in full with a zero balance thats only reporting on Experian. This account should have been deleted once is was paid in full. Experian will not tell me why they won't remove it. They continue to verify this account electronically and not do a investigation.

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 2022-09-02
Company: LEXISNEXIS
State: IL
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 contacted Lexis Nexis to let them know that I did not give them permission to share any information. I filed an initial complaint about them sharing information without permission. They claimed they could not verify my identity however they sent me a letter acknowledging they know who I am along with a PIN number and case number ( XXXX ) in case I would like to share my information in the future. This company is being deceptive in saying they can't verify who I am but continuing to share information and so called " verifying '' information for other companies. I have attached the letter they sent me because they continue to use my identity without permission. I'm sure they are aware of the damage they do to a persons reputation with their continued deceptive practice.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
XXXX-Account number-XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) , has it marked late in XX/XX/XXXX TransUnion-Account number XXXX XXXX XXXX ( XXXX XXXXXXXX XXXXXXXX ) has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX  XXXX ) has it marked late in XX/XX/XXXX, but on XXXX XXXX XXXX  XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.

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 2022-03-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A debt appeared on my credit report with no notification. When I contacted the company for verification they said they would send it. I did not receive anything. Then when I reached out again they said they would settle for 50 %. I explained that I had no idea where the debt came from and was told that I would receive a email. I still havent received anything from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am receiving information regarding a debt but the collection agency does not provide the information to verify this debt. They are sending information for a limited amount of time but they state that this credit card was opened in 2015 but they keep sending me information and records for years but no information for 2015. I was sent information listings that includes other customers name and their personal information including my personal information. I requested information regarding the credit approval in 2015 3 times to no avail. I am really concerned about the information being sent to me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During XXXX, I was living in an apartment, signed the contract with the leasing office using XXXX XXXX. The leasing office subscribed a sport channel which was free for the first year, and the second year, if the subscription was not cancelled, XXXX would charge for that channel. I never paid TV bill directly to XXXX, was always through the leasing office, and every month the amount was the same. In XXXX, the leasing office didn't cancel that sport channel, and XXXX charged my account, but leasing office still collected the same amount as last year. The leasing office never notified me about the extra charge until I saw my account had a balance, and it was too late to dispute with XXXX. The accumulated amount was {$160.00}. 

Credence Resource Management LLC keeps calling me about this debt, they call many times per week, day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received a phone call or a letter from a collection company called " XXXX '' indicating that I owe a debt for medical bills. I came across this information when I received alerts from the credit reporting agencies. This completely shocked me because I am working extremely hard on my credit so that I do n't have any negative information. I filed Bankruptcy chapter XXXX and was discharged in XX/XX/XXXX and ever since, I have never been late with any of my payments. I want them to remove this information from my credit file immediately. They have not sent me any notification what so ever or else I would have called to determine what it 's for and if I owe to pay it. No communication from this company. I disputed it with the CRAs and they have not removed it until they verify/confirm the debt with me! They need to remove it until proper notification has been sent and the proper time limit for debt dispute. They reported 2 accounts on XX/XX/XXXX, in the amounts of {$260.00} and {$830.00}. They need to provide notification to people before putting something on their credit! Absolutely nothing was sent! No phone calls or VOICEMAILS for that matter! What happened to contacting people?? They should be investigated for more customers that they have done this too, in fact, my next step will be to find an attorney who will be able to file a class action lawsuit against XXXX. I 'm sure there are many more out there and we will fight! I have copies of my phone bills and I have a list of the majority of voice mail left and none are them! Please have them remove this from credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Vital Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with XXXX XXXX XXXX XXXX. When I spoke to a representative from VRS, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from XXXX XXXX XXXX XXXX that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent 2 certified letters to Caine and Weiner and still no response.The allege debt is for the amount of {$280.00}, Twice I have asked them to validate their claim and send supporting documents to me. They have failed to do so, time and time again. Its past the time for them to respond and yet they are continuing to report this bad debt on my credit report. This action is against the FCRA and I need it to stop asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have my Goldmans Sacks Bank USA, website by marcus.com, online saving acct. opened for many years, no issues before. They don't have local branch office here near me. 
But, back in earlier this XXXX, I found other banks have higher saving rate. So I wanted to transfer my money to the other online banks. I was able to login my GS bank online account ok with my correct login credentials. However, after I login, when I tried to do online money transfer to the other bank, keep getting the error message 'There is a technical error. Can't complete your transaction. Login back later. ' For 2 weeks, I kept logging in back for several times to access my online acct. correctly. But, keep getting the same error message to transfer out my money. I finally called their customer support and told them this online transfer issue. At the beginning they verified my acct. infor. But once they heard I wanted to transfer my money out. They made excuse to ask me additional my family infor. I told them they already verified my acct infor. Any additional family infor. is my privacy. They have no right to ask these. And suggest them if they want to ask additional questions, they can ask standard security questions like all other online banks use. I have no issue with all other online banks. But, they refused to do so. My transaction was still on hold even after calling them. I then sent them a letter by post office in later XXXX or earlier XXXX with my signature and correct address to request to close my this online acct. and send me a bank check of the remaining balance. I haven't heard back since then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: MD
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 have already informed you that the listed items from the letter I sent was inaccurate and incorrect. I feel I was betrayed that after your investigation the items are still showing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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:
Hello, I've leased my XXXX XXXX on XX/XX/XXXX with 39 month lease, maturity date of XX/XX/XXXX, upon the maturity date, Infiniti contacted me to see what I want to do and I've asked if it was possible to extend my lease, they agreed to extended it for additional 3 months, after that period they extended for additional 3 more months, so the total extension was 6 months. My original pay off balance on the contract upon the end of the lease is {$36000.00}, I've decided after the extension to purchase the vehicle, and Infiniti is telling me that even though you extended your lease and you have paid for additional 5 payments, that amount is not being applied towards the original pay off balance, and my pay off balance is the same at {$36000.00}. I've spoke with the management and they've told me that we've advised you over the phone and that they have my phone recording that I've agreed to extend the lease without the additional payments being applied towards my pay off balance, that is not true I've never agreed to that, I've asked them to share the recording with me that I personally over the phone agreed, but they are not willing to share it because they don't even have it, ( complete lie ). To my understanding and my previous experience with many different car companies if the lease is extended the additional payment you pay for the extension is being applied towards the residual value and the pay off value if you were to choose to buy at the end of the extension. With Infiniti there is nothing on the contract that if the consumer extends the lease at the end the additional payments made will not be applied towards the pay off balance, nether they have provided a documentation to me to sign acknowledging that this additional payments made will not be applied towards the pay off balance. Please help me resolve this issue with Infiniti this is totally unfair consumer practice on behalf of Infiniti financial ( XXXX XXXX ). 
Please let me know if any documentation might be needed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
It was brought to my attention that Navient has not been able to prove ownership of many student loans as well as mishandling of payments, documentation of loans, and steering people into forbearance, etc. To ensure that I will not have to pay my Navient Student Loans twice in the event Navient does n't actually own them, I called Navient twice ( XX/XX/XXXX -- XX/XX/XXXX ) and requested documentation of ownership of said loans. Both times I called Navient, they sent me a standard billing document and I have yet to receive any documentation showing proof of loan ownership by Navient. 

Both times I called, I specifically asked for documentation showing all of my student loans owned by Navient. I clarified that if I did not receive documentation that it would be my understanding that the student loans were not owned by Navient. The CSR stated that, " Yes that is correct. The documents that will be sent to your email will contain a link to your Navient owned loans ''. 

I have attached 3 documents : 1. ecorrespondence XX/XX/XXXX I received this document after my first call to Navient 2. ecorrespondence XX/XX/XXXX I received this document after my second call to Navient 3. Student Loan XX/XX/XXXX This is a screenshot of my Navient loan page What I am looking for is proof of ownership by Navient of all of my student loans.

Company response to consumer: Closed with explanation