BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been trying to get Nelnet to properly update my loan to reflect my changed income. I have been trying to get this resolved since XX/XX/XXXX. I have spoken not only to various representatives but a supervisor and the solutions center. Instead of resolving the issue they keep asking for the same info I have already sent which I resend anyway. In addition, they have had me capitalize the interest due to their errors. I have not been able to get consistent answers. This has been a problem for 3 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: Medical Data Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I called Citibank and paid for $ I owned them but they still blocking me from apply for a new credit card. I am working for credit card company, have a perfect credit history, also been bankfile with them for years ( over 30 years now ). Since Costco start offering CitiVisa, for my convinience, I applied once and was declined at Costco. I can go and apply for $ XXXX but not able to get a CitiVisa. This is crazy and shameful.

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 2022-10-28
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/22 I paid my full balance and requested the account be closed. On XX/XX/22 I received correspondence vial post mail from commenity forever 21 stating my account has been closed per my request and the balance on the account is XXXX. On XX/XX/22, the company charged me a minimum interest fee of XXXX, then charged a late fee of XXXX on XX/XX/22, and then charged another minimum interest fee of XXXX on XX/XX/22. When I reached out the company the response, I received was that is the policy, and I can pay the XXXX to avoid being charged further interest. This company never sent any communication about the initial minimum interest, only an email stating I had a balance due which was received on XX/XX/22.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: Goldstein, Cruise and Smith LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a call on XX/XX/XXXX from from XXXX stating I owed a payday loan to a company in a state I lived in in XX/XX/XXXX. I did not take out a payday loan although they did have my correct address at the time. When I informed the rep I spoke to that the phone call was being recorded ( I am also a debt collector ) she immediately put a supervisor on the phone was right upfront rude and threatening. I asked for supporting documents and he informed the complaint they want to deliver is supporting documentation. When I refused to update my address he informed me I was breaking the law and " good luck in court. We will investigate and we will find you '' and then hung up. The number was XXXX. I am in the process of creating and sending a cease attempt to collect letter to the multiple addresses listedXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that AWA Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This company calls me 6-7 times a day. They rarely identify themselves when calling. I am constantly cursed at, threatened that they will show up at my home, tell my supervisors " what I have done '', threaten to arrest me, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took out a car loan with Chrysler Capital for a new car. My contract reads " Payments will first pay interest owing to the date you receive my Payment, then Late Charges, and the remainder will reduce the Principal Balance I owe. '' My contract also states " If I pay off early, I will not have to pay a penalty. " On the first month I made a double payment on XXXX check and in the notes I requested the overage go to principal. The payment was applied to the current months payment and the following month 's payment rather than my principal. I called in and they said that I needed to create a separate check that said " Principal Only. '' They corrected it so the second payment did go to principal. 

On the second month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. They apologized for the error and corrected it so the second payment did go to principal. 

On the third month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. This time they DID credit the principal only check to principal but they DOUBLED the interest on the check for the monthly payment and pushed the next payment two months further instead of applying it to principal. In other words, they did the same thing but tried to get cute with the accounting. 

I called and the person I spoke with said that I would have to call in each month to get it fixed. I said no, ma'am that 's not acceptable. My contract reads that overages will be applied to my principal. While I bent some with the separate check request in the spirit of cooperation, the truth is I should be able to send XXXX check in for {$1000.00} and have it applied exactly how my contract reads. They expect me to follow the contract or there are all kinds of penalties for me ; they should also have to follow the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Back in XXXX bought a car. XXXX down payment of {$4000.00} cash {$2000.00} rebate apr 0.9 percent retail price of the car is {$24000.00} and monthly payment of {$440.00} for 6 years thats what i sign for suddenly my contract change make story short i was paying $ XXXX monthly and the interest almost half of what i pay. My down payment of {$4000.00} and rebate {$2000.00} never deducted from my account. I have the history of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My lease with Chrysler Capital was paid off on XXXX XXXX XXXX. They continue to display my account as past due. I have called several times to verify status and am told to wait a little longer. On XXXX XXXX XXXX at XXXX XXXX, I spoke with XXXX who advised there was a payment pending, she transferred me to XXXX, who at XXXX XXXX told me that my lease was coded as purchased and to be closed, that there were no monies due, and that it should close before XXXX XXXX XXXX. I called again on XXXX XXXX XXXX at XXXX XXXX and spoke to XXXX who advised me that the account is marked as {$0.00} and pending close, and that it *should not* report to any credit bureau as it should close out. At this point I have no faith that Chrysler Capital will keep their word. I do not want any blemish on my credit as result of their incompetency!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax has been reporting incorrect information on XXXX Account # XXXXincorrect Open Date incorrect Payment incorrect Last PaymentXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CO XXXX Phone : ( XXXX ) XXXX times Equifax failed to verify correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two fraudulent accounts on my transunion report. One for XXXX XXXX and another for XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX I have sent in police reports and nothing has happened, if they do not fix it I will sue the credit agency

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 2015-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
I opened an account with Citizens bank for a XXXX XXXX which had a 0 % balance transfer for 13 months. I paid every bill on time every month. I received my last paper statement dated XX/XX/XXXX - XX/XX/XXXX and paid it in full. I made several charges to my account in XXXX and XX/XX/XXXX but did not receive statements. I had to call Citizens on XX/XX/XXXX and told them I have n't received my statements. At that time I was told I requested paperless statements which I had not. I requested to have paper statements sent to me so I could take care of my payments. I was given my balance over the phone and paid it with the exception of {$64.00}. I reiterated that I had not requested paper statements and wanted my statements mailed to me. I was told it could not be changed. I received no more paper statements and in XX/XX/XXXX received the first of several collection letters stating I was past due on my account. I made multiple phone calls and spent literally hours on the phone trying to resolve this matter. All I wanted was documentation in the way of a statement for any debt owed which I never received. This issue has hurt my excellent credit rating and I feel is an unfair business practice by refusing to issue statements in the mail. I was actually told I would be charged a fee if I wanted paper statements!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-08-02
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Once again, my servicer - SLS - has taken five days to apply my payment and subsequently " cause '' a delinquency and post a late charge to my account - over a weekend and over the grace period cutoff. My payment was confirmed by my bank as delivered and received by SLS on XX/XX/XXXX ( Thursday ) and not negotiated until XX/XX/XXXX ( the following Tuesday ).

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 2015-04-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a invoice that was covered by Medicaid that due to a clerical error was late getting paid, due to no fault of mine. It went to a collection agency. I called as soon as I was notified and gave them the information they needed to remove this debit from their ledger and was assured the matter was closed. They still reported me to reporting agencies and my credit score lost XXXX points while I was in the process of getting a home loan which very negatively impacted my ability to get a loan. They have made no effort to call me to resolve the issue after I have attempted to make contact with them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-01-20
Company: Fenton & McGarvey Law Firm, P.S.C.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from a out of state Law Firm about a so called debt. I live in Pennsylvania so I requested information in to this firm and its practices and licenses that give them a right to collect a debt in Pennsylvania. I as asked for information in regarding so called debt including all information and dates of so called debt. to include original creditor and statue of limitations in my State of Pennsylvania. I believe this to be a fraudulent claim and practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello My Name is XXXX XXXX. I recently just looked online at my report. I see a charge with capital one credit card line of credit thats been use that I know nothing about. This is not my charge I never open this line of credit of {$4000.00}. The only capital one credit card that I know of is the one for {$300.00} dollars that I personally open to start of to build my credit. Someone have used my identity an this is fraud. I also see on my account a XXXX line of credit as well that I never applied for as well. I called XXXX they noticed there isnt a open account but I can see someone tried to apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: ALLY FINANCIAL INC.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
This has happened twice.. 
On XX/XX/XXXX I noticed my account was {$710.00} with a hotel stay pending about to drop off for XXXX. Once the hotel change dropped off on the XXXX I paid {$600.00} which I always pay off at the end of month. On the XXXX I noticed I had a balance of {$320.00} in which I had not used the card since the XXXX and all charges were thru, the last one being XXXX XXXX XXXX My account should beat XXXX today as of the XXXX, NOT XXXX plus the pending XXXX charge has not posted to that balance. XXXX Credit card company is scamming me out of money. I requested an audit of my account through their accounting department and they refuse. Please provide an investigation on this. 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 2015-07-06
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account reporting negatively on my report that I have never been late on and that I was on XXXX for. I have to documentation to show that I have never had any type of late payment and that I was on XXXX and it should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 ordinance with the fair credit reporting act. Everything on my credit report must be 100 % accurate on my credit report. The credit bureaus stated that they properly investigated information on my report. But that information is inaccurate. This is grounds for removal.

They also violated my rights under 15 U.S.C.1681 section 602 states I have the rights to privacy.

15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without written permission. 

The account is XXXXXXXX XXXX account # 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