BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-11
Company: Nationwide Recovery Systems, Ltd
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the company the debt was sold to and they dont even have the same account number as the bill I have showing what I actually owe, which is less. 
We received services for my daughter XXXX who was XXXX XXXX at the emergency room for XXXX XXXX, with XXXX insurance. The insurance paid the hospital but the attending physician was contracted and has an agreement with XXXX for specific amounts to be paid by them. XXXX was only responsible for {$70.00} of the {$500.00} to the physician which was never paid. Therefore a bill was sold to collections in my name because I am her mother and legal guardian, for the {$500.00} and not the actual {$70.00} per the insurance contract between the physician and XXXX. 

When I spoke to the company the debt is sold to they were of no help and insisted that I owe {$500.00}. When I told them I have the bill in my hand showing what I actually owe per my insurance and contract the physician has with XXXX, they didnt want to listen. 

I tried to dispute it with XXXX and submitted the bill I have and it didnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: OH
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 PREVIOUSLY DISPUTED FRAUDULENT ITEMS ON MY CREDIT REPORT. THERE ARE STILL INQUIRIES LISTED THAT ARE ASSOCIATED WITH IDENTITY THEFT AND WERE NOT AUTHORIZED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and my wife filed for bankruptcy in 2013, due to excessive credit card amounts. A company called LexisNexis was giving out questionable credit information so they agreed to refrain from giving out information without my consent. I spoke with them earlier this year and placed a freeze on my account. 

As I am XXXX  years of age and my only income is Social Secur4ity, I deal only in cash or bank cash card. No credit cards. 

As Insurance rates have increased drastically, I recently went shopping for a lower rate and bam XXXX XXXX XXXX has notified me that my reported insurance score is 609and therefore a much higher rate will be charged. I have never defaulted or made a late payment on my insurance. Tower list reason given, XXXX. These reasons by themselves are very questionable, but have no bearing on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: M&T BANK CORPORATION
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
As a XXXX XXXX XXXX and Veteran we were impacted by the COVID Pandemic and were offered a forbearance by M & T Bank. When we were ready to resume payments we were told that our loan would be modified and that we would need to make 3 trial payments. In the process of doing so we never received any documents and that showed our new payment amounts, what the new terms would be and when the mortgage would be modified. We received phone calls almost twice a week from the bank however no documentation was ever provided to us. We were verbally told the payments to make monthly and did so in XXXX. We began the process to refinance our home with another bank and requested the forbearance and modification documents from M & T to provide to our new bank. We were requesting a mortgage statement the month of XX/XX/2021 which has not been sent to our home and is not available to see online. We requested forbearance documents which which has not been sent to our home and is not available to see online. We requested modification documents which has not been sent to our home and is not available to see online. I was told that the documents are in their QC process and would be sent to me after that process. When asked when that process would be complete no response was provided. When asked about the fact that M & T has failed to provide me a due date, mortgage amount and/or mailing address there was no response. I inquired what happens if the payment is late because that information was not provided to me and they said they would put me into default. I asked that a statement, forbearance and modification documents be sent to me via email. I was denied. I asked that a statement, forbearance and modification documents be sent to me via the secured messaging platform of their own internal online banking platform. I was denied. I am scheduled to close on the refinancing of my new mortgage in 4 days and need this information for underwriting purposes.

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 2020-06-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below are reporting inaccurately on my credit report and are in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  CARD SERVICES # XXXX, XXXX DEPARTMENT STORE # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
Commity Bank has called my phone over XXXX times in the past XXXX hours. They will call every XXXX minutes if I do n't answer my phone. I have answer and asked them to quit calling my phone and they continue to keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I entered into a 24 month lease for a new XXXX XXXX XXXX with creditor XXXX XXXX XXXX XXXX XXXX ( XXXX ). Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was received by XXXX on XX/XX/XXXX ( see attached XXXX statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). The vehicle was returned to the dealership where it was purchased inXX/XX/XXXXXX/XX/XXXX. There was not a problem with this account until XX/XX/XXXX. XXXX fraudulently reported to the 3 major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because XXXX 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with XXXX on XX/XX/XXXX a XXXX representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not XXXX ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts need to be removed asap I have filed police and ftc reports regarding this issue. 
Police Reporto Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: ALLY FINANCIAL INC.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i wrote XXXX checks and Ally bank bounced all XXXX and locked my account. When I called to find out what happen, a rep and a supervisor told me the checks were submitted on the morning of XXXX/XXXX/15 and my money transfer did n't arrive until the evening of the same day. I used Ally site to transfer money from my saving account at XXXX XXXX XXXX on XXXX/XXXX/15 and Ally locked up {$100.00} for transfer on that date. I made a second call the next day and was told by another rep the same story, I then asked to speak with a supervisor who then changed the story line and tried to claim the checks arrived on XXXX/XXXX/15 and the money did n't arrive until XXXX/XXXX/15 and that was the reason why they bounced. The problem is I have a print out from XXXX XXXX XXXX dating the money transferr to Ally bank XXXX/XXXX/15 and a copy of the check transaction dated XXXX/XXXX/15 from XXXX XXXX whom XXXX of the checks was written to, XXXX also states that all the checks had a transaction decline date of XXXX/XXXX/15. Why did Ally bank bounce the checks and lock the account when they had my money to cover the checks? I want to be reimburst $ XXXX+ in fees Ally actions has caused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Resurgent Capital Services L.P.
State: TN
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 have filed all necessary documents of proof however the credit collection agency is still reporting derogatory information to my XXXX File which is damaging my credibility for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Nelnet, 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 information incorrect

Complaint:
Hello there, Recently I have been going through all my finances and my credit report, and it has come to my attention that Nelnet, my student loan servicer, has been reporting that I have had scheduled loan payments dating back to XX/XX/XXXX. This is incorrect because I received a letter back in XX/XX/XXXX in the mail, saying that my first payment was not until XX/XX/XXXX. I also went online to check my Nelnet statements, and for the month of XX/XX/XXXX and XX/XX/XXXX, it says the same thing. In early XX/XX/XXXX, I called for a forbearance which I received, so there is no mistake for the month of XX/XX/XXXX, but for the month of XX/XX/XXXX and XX/XX/XXXX, Nelnet has been providing false credit reporting. Because of this, my credit score has  decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: JPMORGAN CHASE & CO.
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am social security number XXXX reporting fraud, theft and other crimes against my checking account with Chase Bank .... 
The withdrawal activities in my checking account are under criminals attacks against my financial funds with Chase Bank... 
Please investigate and refund my money back into my account. 
I will open another checking account with another bank. 
Thank you so much .... 
Also ... check in my XXXX accounts ... for theft and fraud and other crimes against me ... 
Thank you so much ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: MORTGAGE FIRM, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The complaint relates to unsavory practices on behalf of the mortgage lender. The applicant only has social security benefits as declared income and it alone will not suffice. The processors have recommended that I make a " distribution '' for a period of 3 months only of {$2900.00} from my IRA to satisfy Federal Agencies Requirements. It appears fraudulent on it 's face and deceptive in its action. I can not morally do this.
A processor, in order to secure a document, asked that I log into my Bank account using her computer so she could use the URL to secure a deposit of mine made to my bank.
I have never been told that I have a mortgage commitment without contingencies, but one day ago I received an attorneys missive telling me about a closing.

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 2020-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See attatched XX/XX/2020 USAA Complant 1 ) VIRUS SCAM DEMANDING {$630.00} PAID ON A CARD USAA IS AWARE I DID NOT OPEN. see FTC ID THEFT case XXXX. Complaint 2 ) Called today XX/XX/2020 TO STOP THE COLLECTION ATTEMPT & USAA COULD NOT VERIFY ME. There were No Public Record Questions to answer. I WAS AGAIN UNABLE TO STOP USAA HARRASSING COLLECTION ATTEMPS OF AN ACCOUNT I DID NOT OPEN DURING A COUNTRY EMERGENCY VIRUS SITUATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below are reporting inaccurately on my credit report and are in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX CARD SERVICES # XXXX, XXXX DEPARTMENT 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

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 2020-06-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to Experian, XXXX XXXX or XXXX. The card is not prepaid, ALSO my credit score was in the mid 500 at the time I applied, now my score on Experian in reflecting XXXX, XXXX XXXX uses XXXX XXXX which reflects XXXX, XXXX  reflects XXXX and XXXX  shows no score. XXXX XXXX Fails to report my score to Experian, XXXX XXXX and XXXX  which does not help my bank with the application for a home loan.

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 2020-06-13
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
They totaled out the car - XXXX sent the money and it has been credited, I also was sent the salvage title, but NOW XXXX the gap insurance hasn't done there part and we are still being billed for the rest. This shouldn't take 6 months to get done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Delbert Services
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had applied in XX/XX/XXXX for a online loan with Western Sky and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to Delbert Services. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts that are not mine that i continue to have reporting to my credit file i am submitting a new police report that has these accounts added to them so that you can identify them along with a ftc affidavit that has been notarized. still these accounts have not been removed as they are fraudulent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
on the year 1995 I when to the bank wells fargo bank to make a deposit for XXXXand the person who help me with my money he tell me that I need to leave mymoney for one year so on the same year I have a problem with XXXX theytook my XXXX to come back to XXXX XXXX so I stay in XXXX for one yearso the next year I come back to XXXX XXXX so I lost my XXXX my letter from the bank orany information about the acct so I do n't have any information I when to the bankand I ask for my money they tell me is nothing or any record with my money or my namedor social security number I leave the bank very mad because no body tell how I can getthis money back so the time when on and move from XXXX about 5 years agoand I was going truth my paper and I was take out all the trush and I found informationfrom the I rs information about my money and I have XXXX also my old checking bookI star wirh the company XXXX company they said they do n't have any acct with thewells fargo bank I need to call them about my money and I have a bout 5 monthsand they said the state have because after 7 years they use the money they sand to thestate the state said the bank have a number or when they send to the state I fieldthe no body whan to tell me happen with this acct but I know I make this deposit and I was in here to make any decision on this money so I need the some body have torespond me about this matter I need to find where is this money I know is going to be 20years ago but the matter is the I make this deposit I have a person who when with mewhen I deposit this money and when I ask for this money she was with me at the timeso I need my money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Santander Consumer USA Holdings Inc.
State: IL
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:
Credit information is being reported as delinquent, when I paid it off years ago.

Company response to consumer: Closed with non-monetary relief