BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
DEPT OF ED/NELNET : {$15000.00} DATE OPENED : XX/XX/XXXX DEPT OF ED/NELNET : {$10000.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX -- XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Consumer Assistance XXXX XXXX XXXX XXXX XXXX, GA XXXX i have called them and explained to them my information was hacked and someone is using it to get this student loan/credit loan from them, i did not co-sign/ co maker for anyone and they should dissociate me from the credit loan file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: ZWICKER & ASSOCIATES
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a complaint from Zwicker and associates XX/XX/XXXX without a demand letter or any pre- knowlege of a lawsuit pending. I do n't know who the law firm/debt buyer is, and they did not attach an affidavit or show anything pertaining to the alleged debt they are trying to collect, and they have violated the fair debt collection practices act. If they were truly working for XXXX as they claim is the plaintiff, they would know I have a third party lawyer assigned to the case. That lawyer would have received the demand letter, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Capital Management Services, LP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX  XXXX XXXX account reported on my credit report is not mine. The account that was reported even has my name spelled wrong its spelled unque when its unique. I have disputed this almost every week for 6 months straight since XX/XX/XXXX every since I found out about the account. Ive called and they repeatedly told me there is nothing they can do. They keep calling my phone even when I say it isnt me they have called and emailed me every day. Account ending in :XXXX  Amount:XXXX. 


I am not responsible for this account please help me thank you!

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 2017-05-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned XXXX XXXX agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: CT
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because its holding me back from getting approved for a car .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these issue on : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

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 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There a re 3   XXXX   XXXX   XXXX  for 3 days in a row that I did not authorize.  The 2 I am  disputing is  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  . I 'm not sure why this creditor ran my credit multiple times. The next  is 2 in quiries for  XXXX   XXXX . The oth er 2 is  for  XXXX  and  XXXX  I am not sure who or what these companies are.     On  XXXX  there ar e 2 inquiri es per creditor. I did not authorize  XXXX   XXXX  to run my credit on  XXXX / XXXX /  XXXX   or  XXXX  on  XXXX   XXXX . I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters and not  one of t hem has responded but  XXXX   XXXX  for the  one  inquiry  XXXX / XXXX /  XXXX  .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.

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 2017-02-22
Company: Ideal Collection Services, Inc.
State: FL
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:
i asked from the collection company to provide me the contract they have for XXXX, with my right name and my SSN on the contract, they refused. 
when i asked from them to varified with me the information on the contract over the phone, the lady i spoke with her she insisted 3 times that my correct name on the contract with SSN. i asked from her to read for me the name on the contract, she read it wrong and when i asked form her to read my SNN on the contract, she said there is no SNN on the contract. 
so how they reported me based on the contract they claimed that belong to me if the name on that contract does not match my name and they have not even my SSN on the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: GSI  Recovery, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a copay deductable that was owed from a motor vehicle accident in XXXX. Since XXXX I moved two times, however, my telephone number remained the same and i never received any attempts to collect a debt. Back in XXXX this was brought to my attention as i am in the process of buying a home and credit is the biggest factor. I contacted GSI, spoke with a XXXX XXXX, asked for this to be deleted from the credit bureau as I was never aware of this and he did forward me the forms he submitted for deletion. This has been paid, and not deleted yet which is affecting my credit score!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a XX/XX/XXXX Volkswagen Passat it was financing at credit acceptance the price was {$10000.00} it gave so much problems I believed XX/XX/XXXX I called them to repo the car and they sold the car and they want to pay the rest for {$6000.00} it 's really hurt my credit I ca n't even buy another car

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX, My vehicle was remotely disabled automatically. I did not know until XXXX XXXX morning I was on my way to go to church. My car would not start. I want to file a complaint against Credit Acceptance corporation regarding this matter. I want to be compensated for the loss that I suffered regarding this matter. I was not able to go to church nor was I able to deposit my payroll into my bank account. In addition, I was not notified in advance by Credit Acceptance. Credit Acceptance did not notify me in writing, nor by telephone, nor in person of their actions. 
According to my knowledge, I set up automatic electronic payments for my car payments ever since XX/XX/XXXX. Why, they have not taken out the funds I do not know. Credit Acceptance made no contact to me regarding this matter. If there were an issue I was not informed by no one from Credit Acceptance. 
Also, on a daily basis Credit Acceptance Corporation is stalking me at work continuously. I want this stalking to stop immediately. It is very annoying and it is a criminal offense. Not only that, there is no need for Credit acceptance to stalk me at my place of employment. I want this stalking activity to cease immediately if not I 'm reporting it to the local Police authorities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a credit alert that a collection agency known as IC System stated I owed them a debt of {$610.00}. I was not aware I owed a debt to anyone. I contacted them immediately. The debt belonged to a power company I had n't used in several years. IC System said if I paid off the debt immediately it would be removed from my credit report and not further reported to the credit bureaus. They promised me this debt would be deleted. I paid it off immediately. IC System still reported it to the credit bureaus. I called IC System and they verified the debt was paid, but still they did not properly report this to the credit bureaus for removal. It has been several weeks since I paid this debt in full and the derogatory remark remains on all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CMG MORTGAGE, INC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX i called my mortgage company and i have advises them i was laid off due to this Corona virus and she told me they will mail a paper work for me to fill out so i got a letter from them starting that i have {$1700.00} due for XX/XX/XXXX and i have {$1700.00} due for XX/XX/2020 and i got a late fee of {$69.00} for the month of XXXX and per the government rule 's there is going to be no late fee and they are still charging them and every time i call they are not willing to wave them and they hang up on me saying sorry that u are falling that way ... 
I am tired of their horrible customer service in they are not willing to assist people at all in the only option they're giving me is refine ance and I bought my house 3 years ago and I don't wan na go ahead and refinance with them I want to go ahead and get my loan out of their to somebody else because their service is horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: GREAT LAKES
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Paypal Holdings, Inc
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I attempted to make a payment arrangement with Paypal Credit earlier today, XXXX. The rep I spoke with stated no arrangement/payment plan is available at this time, they have all expired. I was not aware of any plans to me prior to them expiring, the last XXXX I was made aware of through a message from CFPB is an amount of around XXXX for three months, bringing the account current. However, the rep informed me this plan has also expired. She was also made aware of some fraud charges made from an XXXX, a jewelry site. A XXXX with a similar name, XXXX XXXX, placed these orders using my name as it is similar. I use a middle initial, S, he does not have or use XXXX. My full legal name is XXXX XXXX XXXX. Please advise Paypal Credit I can pay a minimum of XXXX for the three months, despite the fraud charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal sent me a notice that my account was put on hold because a person with a similar name had a negative balance with Paypal. I called and explained that I was not that person and not responsible for this account. Paypal refused to de-link the other account unless I paid the negative balance. 

I tried to close my Paypal account, but Paypal will not let me do that until I resolve the other person 's past due balance. This is fraud and most certainly illegal under the laws of the United States. I am not responsible for the debts of another, and I am not willing to allow Paypal to keep my account active. I will use other forms of payment from now on.

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 2020-01-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony bank has never contacted me requesting any information for review in this case. One of their letters states that they mailed me a letter requesting information, but I never received the letter, the letter was to be resent out, I never received that letter either. When I was finally able to send information in through this process the information wasn't used ... they used the result of a previous review where my signature was forged. Didn't take into consideration that the wrong part was ordered that didn't fit my vehicle, that the owner of the XXXX lied in his response and I showed proof that he lied. Now I have receipts that show where XXXX got the parts from and the date they received them ( which is after the date the owner states they were installed in my car ). I also have a receipt that shows when XXXX RETURNED the parts to the dealer for a full refund. Way to do your research Synchrony! I will use a credit card company that looks out for it's customers in the future. I will be canceling all of my Synchrony credit cards ( Care credit, JCPenney, XXXX, SteinMart TJMaxx

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 monetary relief
Consumer complaint received 2020-03-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Re-doing this. 2nd try. Citizens One. formerly RBS. I have had a credit card account with them for years. I charge items every month and pay the full balance every month. Thus I avoid interest charges. 
Recently they changed their website causing confusion as follows. 
I get an email saying my statement is ready. I log on and get a message that no payment is due at this time. 
Today I logged on and was surprised by my balance and began to drill down into the individual charges and discovered an approximately {$41.00} interest charge for XX/XX/2020. 

Previously their e-mail notification and log-on took you to what you charged, what you owe and when it was due. 
I called them today and was told by a rep that the " you owe nothing at this time '' message is because at some point you have made a minimum payment and that you have to continue and look at your charges to determine what your owe, or to that effect. 

I attempted to resolve this issue by telephone which involved an UNBELIEVABLE hold time, ( even with Covid ), asked for a supervisor, and was transferred to another person after a long time who could not resolve, and identified as the same rank as the person I dealt with initially.. Cit1 has  no e-mail or chat for resolving problems that I can see to preclude endless hold times. 
I can't be the only person who is getting hoodwinked by their website message '' no due at this time '

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: PRESTIGE FINANCIAL SERVICES INC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My vehicle was declared a total loss by the insurance company. I have both full coverage care insurance and GAP insurance to cover the vehicle contract for fees that the insurance company did not cover. My insurance company paid the claim and the GAP carrier provided information to cover additional expenses with the exception of a $ 54- {$56.00} NSF fee that was incurred earlier in the contract period. After those payments were received by the vehicle lease company I was charged excessive 'interest fees ' on the outstanding balance. The only outstanding balance was an old NSF fee that the company neglected to advise me of. I do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that was not disclosed until AFTER the insurance company declared the vehicle a total loss. I also do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that is different from what was provided to the insurance company and the GAP carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian &   XXXX    Credit Reporting Agencies are re porting inaccurate credit information on my credit file regarding  5     XXXX   XXXX   XXXX   XXXX    XXXX  accounts. Their reporting that my current payment status is  120plus da ys past due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the    XXXX   XXXX   XXXX   XXXX     XXXX   for the information to be corrected to no avail for the past 3 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold from XXXX to XXXX over a year ago now, my payment for XXXX 2015 was sent to XXXX, but was never forwarded or returned to me. I have called both PrimeLending and XXXX for resolution and they continually give me the run around, I have multiple tickets in with XXXX regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, PrimeLending is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at PrimeLending that the truth is they would never do anything about it. Essentially XXXX and/or PrimeLending is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
my checking savings and credit builder account were all empty by way of theft i reported the incident and my claim was denied i liled a criminal complaint and still my clame for missing XXXX totalimg over & XXXX ive never been so insulted by the XXXX they handled my claim and the teason why they denied my claim was do ignorant please look into this issue for me the bank is chime

Company response to consumer: Closed with explanation