BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: VW Credit
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My attorney received a letter from XXXX  on XXXX XXXX stating that the account from VW Credit was no longer on my credit file. I reviewed my credit file on or about XX/XX/2019 and VW Credit account was still on XXXX. This account was settled though a lawsuit against VW Credit, and they paid off the account in full, yet it states on my credit file as a collection/chargeoff, and unpaid balance reported as a loss by credit grantor ( see attach ) Also on XXXX, it's showing as Repossession, as oppose to showing as a paid off vehicle ( see attach )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: ID Analytics, Inc.
State: NH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I have requested a security freeze on my account with the letter and necessary documentation on  XXXX / XXXX /  XXXX  . However I received notification stating that they were not able to read the document. I have once again sent a more clear picture of m y 2 f orms of ID on  XXXX / XXXX /  XXXX   however they once again denied my request stating that they could n't read my fax. I have attached copy of the fax that i have sent over as well as the confirmation page for the fax stating that I have sent the information and they have received them.     After this 2nd rejection to freeze my report I have called them multiple times to talk to someone at their office  0n   XXXX / XXXX /  XXXX   throughout their opening hours  XXXX  PDT ( 8 times to be exact ) and all phone calls went straight through their voicemail. On my   8th try, I left a voicemail and they have responded to my voicemail to discuss status. They informed me that information I have provided can not be read and that they will not be able to freeze my report unless I send in more information. As you can see on the attachment, you can clearly see the letter as well as the 2 forms of IDs that they have requested.
I still can not understand what is causing this hold-up of freezing my report as I have provided the requested information multiple times. I would like to ensure that this report is frozen as per my request effective   immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a settlement agreement with Portfolio Recovery & paid into that for 1 year that I had done through a consumer debt company called XXXX XXXX  XXXX. My debit card was compromised & I had to receive a new one. When I went to update my card on their website, I found out that they don't have that feature. Debt Help gave Portfolio permission to speak with me & I spoke with someone on XX/XX/XXXX & they said they would honor the original settlement but they had to speak with Debt Help. Of course, XXXX XXXX wanted to them & today Portfolio is blatantly lying & telling them they did not speak with me and never made that verbal agreement. I was driving down the interstate & could not pull over to write that person 's name down. I am telling the truth & Portfolio is lying through their teeth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: NJ
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 've had issues with Nelnet and the distribution of payments since I began paying off my student loans a few years ago. An article for the CFPB suit filed yesterday against Navient caused me to look into my own payment history. Sure enough, for the last XXXX months, my payments have been distributed to only XXXX of my XXXX loan groups. This issue has occurred on multiple occasions and normally handled with a call or a Live Chat session ... until the next time I look at my account. The reason I get from the representative is that since I voluntarily paid more toward the XXXX loan group ( added money on top of my autopay ), they were distributing my automatic payment to the other XXXX groups in an effort to catch up. This XXXX loan group, although I am ahead on my scheduled payment, stays idle and collects interest. For the last XXXX months, my automatic payment has not been distributed to all XXXX loans and I am collecting interest on this neglected XXXX loan group. 
In addition, you are able to autopay more than the minimum but that will be distributed throughout all of your loan groups. Nelnet makes you need to go to a different part of their site to specify an additional payment to any XXXX specific loan group. One of the most efficient and effective way to tackle student loans is to target the highest interest rate loans. Nelnet makes it inconvenient to pay by specific group by not allowing you to automatically pay extra to any XXXX specific loan group. 
This is a regular occurrence for me, and with the recent claims against Navient, I would not be surprised if this was occuring with Nelnet as well. I am diligent in paying off my student loans, but I am submitting this complaint on behalf of the thousands of other students buried in student loan debt who are potentially being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
At the onset of the pandemic, Specialized Loan Servicing offered a forbearance of 3 months to me because I was experiencing a financial hardship. I am a first responder in XXXX XXXX XXXX, Ca and found myself in the midst of riots and civil unrest which left my children to be cared for my childcare providers. XXXX closed and my children were left home. I incurred additional tutoring costs, living expenses and child care costs. At the end of the 3 months, I completed an application for mortgage assistance with SLS. I was seeking a deferral or repayment plan. The lender assured me they would work with me. I was denied all the programs with exception of a short sale. Nothing that allowed me to keep my home. I was forced to request an additional forbearance which was grated. I again completed a request for assistance and was denied all options except short sale The last denial was dated XXXX. With no options offered to me, I again requested an extension of the forbearance in the hopes of obtaining a personal loan or other means to bring my account current. My forbearance ends on XXXX and my total amount due is {$22000.00}. I have completed the request for mortgage assistance packet again and submitted it to the lender but I'm not optimistic of the outcome. I feel this company has taken advantage of the situation and me. I have equity in my home and I feel they are trying to force me into foreclosure or short sale. All I need is the payments to be deferred to the end of the loan. I was hospitalized in XXXX of 2021 with XXXX XXXX and XXXX due to XXXX I was off work for over a month, resulting in loss of pay. I contracted the XXXX while serving the public of XXXX XXXX XXXX. I have provided all this documentation to SLS, along with a pleading letter. Im turning to your agency for help.

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 2022-04-30
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX the car dealership asked for a down payment CASH, but the contract says credit and I payed cash. And according to 15 USC 1692h- they violated your rights when they told you that a down payment was required. Redirect all past payments.

15 USC 1662d ( 2 ) - the advertising of a down payment is illegal.

15 USC 1635, 12 CFR 1026.23 & 12 CFR 226.23 is how you rescind transactions!

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 2017-04-18
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hospital did  not correctly bill  XXXX  or supplemental insurer.   I am subscriber in good standing to both.   I had previously complained to billing hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: National Collection Systems, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I do not have any type of contract with this 3rd party collector. Please remove this collector from all XXXX of key credit reports as reporting is not allowed since there is no 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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX  I have reporting this information for over two years and it cost me in numerous of way not being to provide shelter or purchase items at reasonable price conducive to my actual credit report. It has my credit score slightly down. I want this corrected immediately. It is registered with a XXXX balance and showing a foreclosure. You can't have a foreclosure and XXXX balance. I also can not have two1st mortgages at the same time. I also have spoke to this mortgage company and they have agreed it is inaccurate and stated it would better if XXXX and the credit. Bureaus correct their information. This information should be expedited on my report as soon as possible. I would this complete by tomorrow, I have waited too long for this process. I can be reached at 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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX, XXXX XXXX ( XXXX ) XXXX collection/charge-off in the amount of {$710.00} date opened XXXX XXXX last activity XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 Section 604 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 2020-04-22
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for PayPal credit card and was denied because XXXX insists that I closed a previous account with PayPal in XX/XX/2010. I did not have an account with them at that time. I've called several times over the past couple of weeks and they have not returned my calls. They maintain that this matter is closed.

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 2017-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I had a credit card with Bank of America that was set up for auto payment through BoA. They did n't deduct payments from my account for three months and did n't contact me by phone, email or postal about any problems. When I went to check on my account I saw it was overdue and I paid it ( I had n't used to the card, I was being charged late fees ). After I paid, they closed my account and all of my information about my account was gone. When I spoke with them on the phone, they did n't have an explanation about why my payments were n't made or why I had n't been contacted. I asked them to at least take off the delinquent payments from my credit report since they were responsible for the mixup. I have since gotten a letter stating that they wo n't do that, though they did send me printed info about my account ( though not why my auto payments were n't made ). My credit score has fallen about XXXX points because of this, and I ca n't get an acceptable explanation either by phone or mail.

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 2017-04-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian will not accept my proof of identity, and mail the report to the correct address.

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 2017-04-12
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech continues to miss manage my account with them. My husband received a call 2 weeks ago stating we owe the company 'Advance Fees ' from XXXX from the previous Servicer ( Greentree ) & when can we settle that payment. I informed my husband that was not the case and why do Ditech continue to call and harass us? there is currently a cease and desist order against them on my account. My argument is this, the year is now XXXX Ditech claim they have outstanding 'Advance Fees ' on my account from XXXX, approximately 5 years in the past. Why all of a sudden Ditech is moving ahead to collect these fees when they were no such fees listed on my account until recently. Did Ditech somehow pull these bogus fees out the air?? I am gravely concerned about Ditech 's unscrupulousness business practices and how Ditech continues to miss apply my payments and make up fees that are unsubstantiated. I have been making on-time payments to Ditech every month these payments are withdrawn from my bank account. However, Ditech continues to harass me with bogus advance fees, this has greatly affected my health as my over all well being. I expected Ditech to be a company who values their customers and not to threaten them with evictions or repossession orders. Especially when their customers are making their payments on time and accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: VA
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:
Hi whats going on? My name XXXX XXXX and my SSN is XXXX l and I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but its seems youre taking things lightly. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted First point collection { XXXX } in spring of 2018, about them reporting on my credit file, stating that i owed {$100.00}, I told them that someone is using my information for medical bills. I have no idea of owing anything to XXXX. they refused to remove this from my credit report. I have gotten this off of my XXXX and XXXX report. 


I contacted XXXX XXXX XXXX in the spring of 2018 about fraudulent charge on my credit report stating that i did not have any knowledge of what this is from, i also told them this was not my bill to pay, that my wallet was stolen prior to 2018. I tried to contact the original creditor XXXX blue ridge about this bill owing {$100.00}. and never gotten any calls back or emails. I also have gotten this off my XXXX and XXXX report. 

there is also a statement in my credit file stating that i had fraudulent activity. and my wallet had been stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Select portfolio, XXXXXXXX XXXX, and their legal team are in a world of trouble. An investigation its on the way surrounding public corruption by the XXXX XXXX XXXX Florida ( DOJ ). On XX/XX/XXXX, my legal counsel filed motion for summary judgment against the bank. We argued in ur motion that the bank failed to pay the required intangible & stamps on the loan modification containing ( new money ) and therefore are barred by Fla. Stat. 201.08 ( 1 ) ( b ), 199.282 ( 4 ), from having any enforceability in any court room in this state. Select portfolio did the unthinkable and recorded the instrument illegally on XX/XX/XXXX. XXXX ( Recorder ) will not accept loan modification that are not notarized. XXXX requires the original document for filling. The instrument reveals it was not notarized therefore can not be original but a copy. You have engaged in corruption with the XXXX XXXX which warrants a CRIMINAL INVESTIGATION INTO YOUR ORGANIZATION BY THE DOJ. " No good deed goes unpunished '' don't ever forget that. Whom ever participated may face criminal indictments that includes your lawyer. 

Your lawyer should also know that they opened a can of worms. A mortgage fraud investigator has reveal to the DOJ and the Florida Department of Revenue that billions are owed in intangible & stamps on loan modifications containing ( new Money ) that were never recorded which means that states across the United States are losing millions since XXXX by these financial institutions. he just made a bid to the DOJ to pay a visit with regulators at your places of business and review loan medications since XXXX and forward. Among the list : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Select Portfolio and others. 

XXXX executives, I am speaking directly at you ... .and you should know that the mortgage fraud investigator who revealed the unlawful recording of the instrument in this case, is the same investigator that was involves in the case of XXXX XXXX XXXX XXXX XXXX XXXX which you lost to the XXXX XXXX court of appeals case no. XXXX. He is fully aware that you refiled the foreclosure action. He is going to reveal how you engaged in a forgery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a collection account show up on my credit report in XX/XX/XXXX ( XXXX XXXX Account No. XXXX ). I believed the account to be incorrect and disputed the account with Experian. Subsequently, the account was deleted from my Experian credit report in XX/XX/XXXX. In XX/XX/XXXX, the same account listing matching balance, collection company, and account number was reinserted on my credit report. No notice was provided to me prior to or immediately after reinserting this collection account, as required by law, and its inaccuracy is greatly affecting my credit standing.

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 2017-04-16
Company: American Credit Acceptance, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX was the financing agent, they gave financial advice, saying that I would easily be able to purchase the van immediately with their high interest loan, then obtain financing from the XXXX XXXX XXXX XXXX the next week, however when I went to the XXXX XXXX they said that I could not finance the loan because of all the add-ons had pushed the finance amount far above blue book. Over XXXX and permanently XXXX, only social retirement and my XXXX pension as income, I did not mean to spend as much as my house payment on a high interest car loan. I have been paying XXXX XXXX dollars a month for months and the principal is not even paid for yet and the van is depreciating rapidly, the interest payment seems to be {$360.00} per month so I can not address the principal. I knew the car payment was XXXX dollars, however I did not imagine that this was only the interest payment and the principal was never to be paid off, or I could have just leased a vehicle, I would never have gotten into such a bad deal as this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation