BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-27
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was sent a letter from XXXX XXXX Indicating that I owed them over XXXX from Navient. However I am in good standing with Navient and after checking my account on Navient 's website I saw that my next payment would be due in XXXX. I called and spoke to a rep. who never answered any of my questions but repeated what I said and kept trying to get me to pay a debt that I do not owe. The default date according to XXXX XXXX was XXXX/XXXX/09 which is well beyond the statue of limitation in NY and it should not be collected on at all. As the debt origination date should be well before 2009 if it is at all valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, I am filing a complaint against Nissan Finance located in XXXX, OH for harrassing phone calls. These calls started on XX/XX/2017 and have come at a rate of at least ten calls per day, everyday to current date. The calls are starting at XXXX to XXXX ET. They are coming from XXXX mostly, however, since I am not responding they are calling from several other numbers. I have explained to Nissan that I am running behind on meeting my obligations on time each month however, have paid them each monthly payment, although late. Currently I owe one month ... but continue to receive harrassing calls. 
This company has violated the FDCPA laws by calling before XXXX & after XXXX. They are calling multiply occassions every day. I am requesting actual damages of XXXX per call due to debt collector that has & continues to violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit card
Issue: Other

Complaint:
navy federal is reporting acct as mine. after i asked to remove from acct because shows i am authorized on acct. will not give me acct details but says i am authorized user.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they the credit bureau pulled the information from a third-party reporting agency and therefore that information must be deleted.

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 2018-05-29
Company: Unisa, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I attended to XXXX College - XXXX XXXX and was advised by XXXX XXXX XXXX to take a private loan. This loan ( s ) has been sold to different asset management companies. The latest is XXXX XXXX XXXX who bought the loan and is currently the owner of it. Now, regardless who the owner of loan is, the manager of this account has always been Unisa , INC to whom I've been on a payment plan for awhile ( automated monthly payments are taken out of my credit card ) even though am on a payment plan with Unisa , Inc. XXXX XXXX XXXX ( new owner of the loan ) has reported my accounts ( 2 student loans ) to  collections. They do not honor the payment plan with Unisa , INC. even after they became owners of the loan I was notified that Unisa , INC will continue to manage the loans and the my payment plan with remain in good standing for 12 more months.. I filed disputes with 3 major credit bureaus and they denied my request to remove negative collection information from my credit report because XXXX XXXX XXXX does not honor the payment play they notified me in writing about at the time they bought the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Omega RMS, LLC
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Collecting payments since XX/XX/2016 {$150.00} monthly from there collection Department name XXXX XXXX services @ XXXX XXXX XXXX XXXX. 
File number XXXX. But not showing from the orginal account. XXXX XXXX. XXXX, XXXX. 
I have XX/XX/XXXX and XX/XX/XXXX payment and i will be paid in full with the agreement of settlement option 3. I called in reference to them letting my creditors know ive made all my payments on time, so i can get the credit i deserve. Omega number 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 2016-10-23
Company: MS SERVICES LLC
State: WY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called me repeatedly, did not leave message. Received XXXX calls in a row, and XXXX more in the hour.

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 2017-02-24
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There has been an ongoing final bill discrepancy with XXXX and a collection bureau has placed this debt on my credit report. I do not owe because I was billed incorrectly. I had renewed my contract via telephone but XXXX continued to charge me a variable rate resulting in extremely high bills. I made numerous phone calls to XXXX without any resolution

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 2017-03-23
Company: ALLY FINANCIAL INC.
State: MS
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I 've been disputing this for 2 years now. I recently Pulled my credit and saw ALLY Financial is still on my Credit report for $ XXXX. I do not recall this debit, I sent XXXX different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. Ally is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.

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 2017-03-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After graduating in XXXX XXXX from XXXX, my loans far exceeded the amount listed for monthly payment. I attempted to file for Income Based Repayment, online but the website would not allow me to bypass a specific page to file my information. I even attempted to send my information via mail on two occasions only to hear from Navient/XXXX that " they did not receive the paperwork. '' During the period of time from XXXX I was continually pushed into forbearance by each Navient/XXXX rep, on multiple occasions being told that no money would be added to my principal at the time. In XXXX, I finally realized how much capitalized interested had been added to my loans and paid them down immediately. As I have worked to pay them down further throughout this year ( XXXX ) I 've noticed that XXXX of the XXXX loans I have paid off in full over 3 months ago do not reflect as such on my account. I hope that all involved are tried and prosecuted. Put me on the stand!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has not followed the guidelines of the federal law to verify if the said named items are accurate. Equifax has not shown or provided me proof the the information is valid on my report. Equifax has shown this account as late. this account has no lates on for this account. I have sent 3 certified return receipt letters and Equifax did not provide me proof of verification. Under Federal law 609. the items must be corrected in 30 days if the credit bureau can not prove proof of verification. please correct lates XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2017-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX, I disputed the account balance for XXXX on my credit report with Equifax ; however, Equifax claimed that the reported balance was correct. However, I obtained documentation directly from XXXX that has my balance reflected as {$200000.00}. 

Moreover, my Equifax credit report is not illustrating that my all my payments for XXXX have been timely for XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Finally, I previously submitted information to Equifax illustrating that the payment for XX/XX/XXXX was not 30 days late which you will find attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loan was purchased by Wells Fargo from my original lender with whom I had been in good standing. Wells Fargo changed the terms of the loan, unbeknownst to me, to compound interest daily. They refused to allow me to pay any more than the minimum payment unless I opened an account with them which I flatly refused.

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 2018-05-28
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/18 XXXX received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via XXXX. I contacted XXXX via email asking how do they verify and they stated, " XXXX does not directly verify federal case information to third parties by phone, fax, or email. XXXX also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. XXXX has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. Equifax and XXXX have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Yes, I have you disputed the issues with the credit reporting company Equifax on : XX/XX/2017. As of today 's date XX/XX/2017, I have received no response from Equifax. They have exceeded the 30 day time limit allowed by law ( 32 days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the period from XXXX XXXX, 2015 thru XXXX XXXX, 2015, my medical insurer was XXXX. During the same period, XXXX XXXX was my medical device provider. XXXX has repeatedly attempted to collect for rental for a XXXX for the treatment of XXXX XXXX. According to XXXX, XXXX did not obtain pre-authorization to bill XXXX for the rental of the XXXX and denied charges for the certain months, but has paid their portion of the charges for other months. XXXX has advised me on multiple occasions that I am not responsible for payment under the terms of their agreement with XXXX and that I can not be billed for the contested charges. However, XXXX has repeatedly attempted to collect directly from me and on several occasions has placed the charges with a collection agency. ( I will note that my complaint is strictly against XXXX, not the collection agency ) Furthermore, I have documentation from both XXXX and XXXX that the CPAP rental for XXXX 2015 was paid, yet XXXX continues to claim I owe them {$300.00} for that period. 

Presently XXXX claims I owe them {$980.00} although this figure seems to fluctuate from month to month with little explanation as to why. As recently as XXXX 2015 XXXX claimed the amount due was {$1900.00} Finally, I made a payment of {$490.00} in XXXX 2015 for for the XXXX, 2015 machine rental, under duress, in order to prevent the charge being sent to collections. I am contesting that charge as well and want the money refunded. 

I have referred this issue to the Washington State Attorney General 's Consumer Protection Division but their role in this matter appears to be limited to mediation with no apparent enforcement authority. To date neither XXXX nor XXXX have responded to the WaAG-CPD inquiry. I was advised by the AG 's CPD office that private legal action may be my only option, but did suggest that a complaint with CFPB may also be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
BBVA bank is not allowing consumers to leverage the online payment tool in order to accumulate additional interest payments. I have been unsuccessful in submitting online payments on our prior to my due date. When this had happened I called to attempt to pay online and was told the check by phone fee could not be waived. I expressed I was unable to make the payment online but was still declined the fee waiver. Once the payment was delinquent a collector called indicating she would waive the fee and they wo n't do it when you are current. I told the agent it made no sense and that I would make the payment online. The agent stated a lot of people ca n't pay online. I recently tried to make a payment on my due date and 5 days after to no avail. However now that the payment is almost two weeks late I can play using the BBVA online payment option. I feel this is done purposely for those of us with simple interest loans. Please help me and others that are having this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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 Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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 Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX 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

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 2022-04-19
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Risecredit, LLC
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I borrowed a XXXX from Rise and I had planned on paying it back sooner than I did and I did pay them off, however I had missed a few payments with no charge off. The minute I paid them off they charged me off and will not update my credit that the loan is paid off. I had another collector call regarding the matter and I sent them the copy of proof of payment so that was the end of them calling. However RISE WILL NOT UPDATE MY PAYMENT OR DELETE THE CHARGE OFF WHICH WAS DONE AFTER PAYMENT WAS MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I recieved a call on XX/XX/XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XX/XX/XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 1998 XXXX XXXX turned over an unpaid bill for {$840.00}. To Pinnacle Collection Agency. ( This debt is not mine. I have never had services with XXXX XXXX. ) I have written to them previously and informed them that this is not my debt. I asked them to send me proof that this debt was indeed mine. They sent me copies of phone bills. ( Not a contract signed by me ) They have assigned the same debt to another Collection agency. I need help getting this information removed from my credit profile and stopping these folks to continue to contact me for a debt that is not mine. I thank you in advance for your assistance in this matter. 

Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a second complaint filed against Ditech Mortgage over the past 12 months for the same matter that is as yet unresolved. Despite repeated attempts to get a payoff amount from Ditech - and now that the loan is paid in full a reconveyance on the property - Ditech is unresponsive to all requests for loan payment records and the trust deed remains on the property improperly. Intervention to force Ditech to cooperate and comply with the terms of the loan agreement is necessary. A full release and reconveyance of the property is also required at this time now that the loan is paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation