BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-12
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Company advised of a website update for a period of one week, from approximately XX/XX/XXXX to XX/XX/XXXX. Company claimed that one time payments are unavailable during this period. Company claimed that if you paid your monthly auto loan payment via debit card, that the fee would be adjusted on your account. Well, I made my payment on XX/XX/XXXX and the measly {$3.00} has not been credited to my account. In fact, after 45 minutes on the live chat with this company, I was informed by XXXX with a reference number XXXX that it would be resolved. Several days later this has not been completed.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: FL
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:
Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2015-09-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with Fifth Third Bank. I have had this loan for several years. Initially inhad XXXX properties and XXXX loans with Fifth Third Bank but due to their sloppy recordkeeping, I had a four year battle with them over escrow payments for each of the XXXX accounts which they misappled or put into the wrong account. They never once took the time to straighten out the accounting of these accounts. The statements they sent were difficult to read and understand. After additional negotiation and what was an attempt to resolve the issue, they sent me XXXX " revised '' loan agreements. XXXX they left on original terms ( XXXX XXXX property ) and the other ( XXXX XXXX property ) they attached an additional {$15000.00} to the debt without any accounting verification or an appraisal of the property. They then renigged on their agreement of the XXXX property and said I would have to reapply for a new loan. When I objected they took the property through foreclosure. They stated that I owed over {$8000.00} on the loan when the actual amount was substantially less than that. 
The XXXX XXXX property agreement payments, due to the increase in debt of {$15000.00}, went forward. In the XX/XX/2014 they threatened foreclosure again stating that exaggerated payments were due on the account. It took weeks to try to work it out with the final result being that their original claim of unpaid funds was NOT correct. They never gave a comlete accounting of why there were differences in the payments shown and due. They also charged me attorney fees for the foreclosure even though therecwas issues with their accounting. 
Now once again they have not correctly accounted for payments. However, they threaten to foreclose on the property even though there isca dispute as to what is owed. This bank does not provide very good records andvit takes time to descipher what they have or have not posted. I have to go back to the various banks and see if all the checks were cashed, etc. They give me two weeks to try to verify all psyments and in this case I know they have not correctly posted all payments. However they are determined to take this property just as they did previously with the XXXX property without correct or complete accounting of the payments. I could not attach all documents but will be sending them by separate mail. Sorry but there are too mant documents to send forward. My current account number XXXX XXXX. 
Unfortunately I dont have a specific bank contact at Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH. XXXX. The attorney handling the account for the bank on each of these occasions is XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WV. XXXX, ( XXXX ) XXXX. 
All I am trying to do is correct their accounting. I do not thinkmitvis fair that they can constantly threaten to forclose when their accounting is INCORRECT!!!!! Your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Nelnet, Inc.
State: NY
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:
Called Nelnet originally on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during Covid.

The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then. 

Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. 

The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. 

The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account # XXXX, Account XXXX Account # XXXX, Account XXXX Account # XXXX, Account XXXX XXXX Account # XXXX, Account XXXX XXXX XXXX Account # XXXX, Account XXXX XXXX XXXX XXXX  Account # XXXX, Account XXXX & XXXX Account # 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXccount # XXXX, Account XXXX/XXXX  Account # XXXX, Account XXXX  Account # XXXX, Account XXXX XXXX  Account # XXXX, Account XXXX XXXX XXXX  Account # XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX, Account XXXX & XXXX Account # 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 2021-04-22
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021 the funds transfer by Xoom XXXX transaction XXXX failed due to Recipient Account Invalid status reported by XXXX, refer to trxn history. The receiving bank is claiming they have not received the transfer and requesting XXXX documentation ( XXXX etc ) to investigate the problem. 

Requested Xoom XXXX for transaction docs but they have failed to provide it so far. Despite repeated reminders they are not cooperating. Knowing how EFT operates, Xoom XXXX should provide the docs in few hours not dragging it for days. 

The Xoom XXXX address is : XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company is refusing to remove inquiries I did NOT authorize. Although I may have  some open accounts with some of these companies, I did NOT authorize the inquiries on the dates shown on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Mid-Atlantic Finance Co., Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Under distress I am filing a complaint against ( Creditors attorney ) XXXX XXXX for continuation of garnishment after completion of filing bankruptcy Chapter XXXX. The timeline of dates and monies will support the attorney has lacked to proceed with proper protocol to discontinue garnishment ; which is considered illegal. XX/XX/XXXX - Initial garnishment ( {$300.00} / 25 % of wages ) XX/XX/XXXX- Paid {$1500.00} legal services to file Chapter XXXX Bankruptcy XX/XX/XXXXXXXX Attorney filed Chapter XXXX petition ( garnishment total {$4300.00} ) XX/XX/XXXX - Attended mandatory court hearing ( informed trustee and attorney garnishment has not decease ( garnishment total {$5200.00} ) XX/XX/XXXX - I was contacted by my attorney office to inform garnishment has been resolved to expect post garnishment check within 10 business days from creditor XX/XX/XXXX - Contacted my employer Human Resource and XXXX XXXX I was informed by both parties no communication has been received to discontinue garnishment Also I contacted my attorney and explained the continuation of garnishment XX/XX/XXXX My attorney office called me to advise a check for {$310.00}. I refused to accept the check considering the amount is totally incorrect XX/XX/XXXX - ( Creditors attorney ) XXXX XXXX XXXX @ XXXX : XXXX XXXX ( spoke w/ XXXX ) Asked the following : What was the dollar amount of check issued for post garnishment? ( {$310.00} ) When was creditor notified of bankruptcy? ( XX/XX/XXXX ) When did creditor notify my employer to stop garnishment? ( In XXXX with no specific date ) After asking why the delay in stopping garnishment and incorrect dollar amount, XXXX became combative and indicated no monies will be given. Regardless of their unethical behavior until they receive all monies garnished. She emphasized no monies prior to filing bankruptcy will be given back. Although my attorney has requested the 90 days and I might the requirements. The called ended abruptly with no explanation of process and how this error will be corrected. XX/XX/XXXX - Called XXXX Garnishment XXXX @ XXXX XXXX XXXX indicated no release details and no modification status

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/XXXX, my deceased husband XXXX XXXX executed a promissory note as the sole obligor that was given to XXXX XXXX XXXX XXXX as the lender, and to secure said promise to repay, my late husband and I both executed a deed of trust dated the same. 

With the first payment made towards the foregoing transaction in the year XXXX up until or around the year XXXX, my credit profile never reflected said transaction for which only my late husband was an obligor. Proof that I was never an obligor for said transaction is demonstrated within a correspondence dated XX/XX/XXXX from XXXX XXXX XXXX  ( " XXXX '' ) as the mortgage servicer, addressed to both myself and US Senator XXXX XXXX that is attached hereto as Exhibit 1, wherein XXXX clearly stated that a " ... review of this loan has found that you are not a co-signer on the Note for XXXX XXXX 's ' loan. Since you are not financially responsible for this loan, we are unable to consider you for a loan modification .... ''. 

Upon Select Portfolio Servicing ( " SPS '' ) becoming the servicer for said transaction in or around the year XXXX, SPS begin reporting said transaction to the credit bureaus as if I was an obligor when I never executed the original note as an obligor as demonstrated within XXXX 's XXXX correspondence ( See Exhibit 1 ). Furthermore, in the year XXXX I discovered that either Chase or SPS caused my name and signature to be authored and forged upon a note instrument filed with the U.S. Bankruptcy Court for the XXXX  District of Virginia in Case No. XXXX ( See Exhibit 2 ), followed by the forging of both my name and late husband 's name upon a modification dated in the year XXXX ( See Exhibit 3 ), which neither one of us requested or needed at the time. 

Lastly, to avoid the foreclosure of my home, I was pressured into executing a predatory - unconscionable modification created by SPS that is void of a break down of my payments towards principal and interest, and consisting of a balloon payment. Furthermore, SPS created an escrow account for both hazard insurance premiums and real property taxes when the latter was exempted by XXXX County since XXXX as seen within Exhibit 4.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: ENOVA INTERNATIONAL, INC.
State: DC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was sent emails about a debt that they claim I owed to XXXX.com. I responded back that I am willing to clear this debt if I can make installment payments. They said if I could make a payment ASAP they would settle for XXXX of what is owe. The issue I had was that I asked for official documentation stating the original amount of the loan and how much is owed. They could n't give me the information until after the amount settled for is paid. And another thing they wanted me to send money my XXXX to an " employee '' instead of to the company,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: DISCOVER BANK
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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
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:
Equifax is refusing to validate and delete inaccurate information from I credit report. I have provide the necessary information to verify the debt through them and the creditor. There should be consequences for this type of negligence. I am attaching the print out that I got directly from their credit report showing the inaccuracies..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NC
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, 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 2022-05-02
Company: Experian Information Solutions Inc.
State: GA
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:
Good Morning, I have had several disputes with Experian regarding my credit report and several inaccuracies. 

The first being a collection account with XXXX XXXX XXXX with the supposed original debtor being XXXX. I disputed this account because it could not be verified with a previous collection agency and it was removed. When it came up again, I disputed it with this company. XXXX and XXXX removed it and Experian wont remove it. I have disputed this account for over a year, the most recent being in XXXX. They received my dispute, sent me an email for results for my disputes, and I can never access the results and no changes are showing made. 

I would like that collection account removed from my credit report as I did not authorize and do not authorize its inaccurate reporting. 

The collection again is on my Experian credit profile. 
{$680.00} XXXX XXXX XXXX for 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 2018-03-21
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I once stayed in XXXX XXXX XXXX XXXX Apartments in XXXX XXXX, Texas. After I informed the apartment manager that I was moving out due to crime in the area and apartment complex. I gave them a written notice that I was moving out. The apartment complex was going up for sale to a new owner and the tenants were given a chance to move out based on the crime and things that took place in the complex. I took them up on the offer that I wouldn't be responsible for the remaining balance due to the sale of the complex. After moving out of the complex I got a bill from a collection company. Everything I owe was put on the loan of the sale of the complex and the complex is not trying to collect any funds. So, I don't know why I have this collection company calling me.I like to provide my credit report to show that they are on my 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 2020-01-12
Company: EQUIFAX, INC.
State: MA
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:
This complaint if for the Home Equity Line of Credit -- on XX/XX/XXXX my home was illegally foreclosed on and the second alleged account with XXXX is now closed -- but I am getting a very bad credit score as well as XXXX trying to collect on this Equity line of Credit. There should be no more collection statements and from what I am told this is called dual tracking. I am in Appeals court with the first predator account and was told my home was sold on the above date. I do not know what XXXX  or XXXX XXXX XXXX XXXX  XXXX is doing, ( nor do they ) only that I am receiving the attached notices showing the Equity Line of Credit account is still Open and my credit has been destroyed please see attached. This was an opposed auction and as I stated above it was an illegal auction in Appeals court now. XXXX needs to get their _____ together and leave me the XXXX alone. I have my home in a Trust as well as being protected against this sort of thievery with my Homestead both are in the Registry of Deeds recorded years ago. I will not be terrorized and slandered with this dirty false information by the most notorious thief on the planet ( XXXX XXXX whom XXXX did all the work for and still is ). I have spoken to XXXX re : this Equity Line of Credit, on XX/XX/XXXX and was threatened with a lien on my home. I got nowhere with the representative only threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off my debt in full with CITI bank you has REMOVED this account # XXXX from my credit report completely. Now XXXX - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of citi bank who states NO SUCH account is in their system anymore! 

XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$18000.00}

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