BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-30
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The Collection Company : AFNIXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXXTelephone : XXXX calling and sending collection bills to my house for a debt they said I owe to XXXX They are collecting {$4400.00}. 
I do not owe any money to XXXX XXXX XXXX, I have never had business with XXXX XXXX XXXX, and I want that AFNI company to stop their attends for collection. 
I recently returned a bill to AFNI and told then that I do not owe money to XXXX XXXX XXXX, and to fix the delinquency report they submitted to the Credit Report Companies ( XXXX ). 

The situation is that around XXXX 2013, someone made business with XXXX XXXX XXXX and probably under my name. Then around XXXX 2013 a debt collector made a delinquency report to the Credit Report Companies ( XXXX, etc ). I called the collector company and told that I do not owe any money to XXXX XXXX XXXX and I have never done business with then. 
I requested then to undo the delinquency report. But they kept the collection account and then transferred to another Collector Company which is this XXXX AFNI. 
See attached last bill for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Im writing to complain about information presented o n Nelnet 's Income-Driven Repayment Plan site. Based on information derived from Nelnets Income-Driven Repayment Plan site ( which is a   calculator to estimate repayment plans ), I believed I could significantly lower my monthly payments, and so I submitted an IDR application in  XXXX   XXXX . My loan payment amount was reduced from {$890.00} to {$830.00}. As this was not as large a decrease as I was quoted, I chatted with Nelnets service/ help desk who informed me that my spouses loans were not factored into my payment calculation. Based on their guidance, I resubmitted an IDR application in  XXXX   XXXX  and then in  XXXX   XXXX . In late  XXXX , I received notice that my monthly plan was reduced to {$770.00}. As I was surprised my monthly payment was still high compared to the quote range I received on Nelnets Income-Driven Repayment Plan site, I re-checked Nelnets website on  XXXX   XXXX . I entered accurate information about my salary ( I used my  XXXX   XXXX   ), m y tax filing status, my family size, and other loans held by me and my spouse and I was quoted $  XXXX  month fo r ICR plan. Using the exact same information I provided to Nelnet in my IDR application, I was quoted a completely different amount than what was determined by Nelnet to be my payment amount. I contacted the service/ help desk to ask for an explanation for this wide discrepancy but they were not able to explain the difference. The service desk k ept saying they can not explain the amount I was quoted on their website because they can not confirm what information I entered. Essentially, they take no accountability for what 's on their website.I am writing to complain about the misinformation presented on Nelnets site. It makes me questions Nelnets business ethics that information on the website is so off and that your staff are unable to provide explanations. I do n't trust how they are calculating my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: SC
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:
Equifax I have XXXX inquiries on my consumer credit report. I have attached a screenshot of my Equifax credit report. I did not give permission to these XXXX companies to check my credit nor do I have a credit account with these companies. XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX pulled my credit without permissible purpose. XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX pulled my credit without permissible purpose. I AM REQUESTING PROOF FROM EQUIFAX THAT I APPLIED FOR CREDIT WITH THESE XXXX COMPANIES LIST ABOVE ALONG WITH MY SIGNATURE OF APPLICATION. This is a violation of Federal Law & the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681b - Permissible purposes of consumer reports -- - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I recently had referred my friends to apply chase freedom unlimited card using the link I sent, and the person was approved 7 weeks ago. But I have not received the referral bonus confirmation email or any other information regarding this issue. I have contacted the chase before without solution. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16
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: Information belongs to someone else

Complaint:
contacted credit reporting agency about incorrect information on file and they reply that information is correct without providing me any details as to how the came to that conclusion. 

I've ask for a proper investigation but they are refusing to provide their verification method

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My old landlord is trying to come after me over a debt I do n't owe they sent me papers with my exs name on them and he was listed as a tenet I no longer have them papers but did take pics of them and of the parts that show only his name listed as a tenet and the letter being addressed to him when this debt occurred I was no longer living in the apartment and they told me I was takin off the lease I want this debt removed from my report because I do not owe it and have prof I was living else where when the debt occurred I told them that but no one ever got back to me on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charges on my Capital One Visa card, reported by phone to Capital One on XX/XX/2020 and followed up with them via US Mail as required ( copy attached ) on XX/XX/2020 : Fraudulent charges of {$100.00} & {$200.00}. Capital One issued new card and said they would handle the fraudulent charges. They did not. I contacted them in writing again on XX/XX/2020 and again on XX/XX/2020. They have not removed the charges and have not contacted me about me demands. They are completely ignoring me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20
Company: Clearview Resolution Services
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Not XXXX, but third party debt collector : -Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. 
Selected Entity Status Information Current Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX XXXX : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on XXXX XXXX, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by Clearview Resolutions is unfounded and felonious as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Debt CollectionMy sister sent me a recorded message from a XXXX XXXX that threatened to serve her court papers at her home or job regarding allegations against XXXX XXXX for issuing worthless checks. I call the number, the representative answer the phone and she immediately asked me the name of my attorney and the attorney 's phone number. I attempted to request information on what the debt was for. The Rep said it was for finance charges for a payday loan. The debt was for Finance Charges for an online loan taken out in XXXX 2011, and that the company was fully prepared to press charges to the fullest extent of the law with Felony Theft Charges if the debt was not resolved. I asked what company and she said XXXX XXXX. She offered me a deal to pay that day but I explained that I had no money and an eviction notice in my apt . I offered to set up an auto payment for XXXX XXXX, since XXXX that elect XXXX pays get a lump sum on that day. She told me to call back. When I called back she said the company said no. They wanted the money right then and will press charges for Felony Theft to the fullest extent and Fake check writing charges which could have fines in the XXXX of dollars and up to 10 years in prison. They would send that info to the circuit courts and I would have a warrant issued. 
She said the sent letters and emails notifying me of this situation. The letters were sent to and old address XXXX XXXX XXXX XXXX, FL XXXX. I told her that I have not been at that address for years. She said Check you email. I explained to her that I had and I did n't find anything. I then requested some kind of documentation of the debt. I said, " would you please send me a copy of the debt? '' She said, No they wo n't cuz that would give me another 90 days and the company is prepared to file charges. If I could at XXXX. That day they would press charges for over XXXX in finance charges. I then requested a web address and account number so that I could at least look up the debt. She said, " no they did n't have XXXX because they are working for the attorney office. " I then asked if she be able to send it to my phone via text. She said, No, that they would not send anything. That I just needed to pAy the debt. I asked her if there was anyway I could verify the debt and that I am not refusing to pay it if I owe but I need to make a payment setup plan and I needed to make sure the debt was legitimate. She said no that they would n't send me anything. I then told her that I would have to get back to her. 

XXXX We received Arrest warrant against your name under ACT XXXX ACT XXXX ACT XXXXKindly call as soon as possible before the case is downloaded into the court XXXX order to get brief information about the case before you have any trouble atyour home or job. 
XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage through Loancare, with loan number XXXX. I made a payment on XXXX XXXX, 2016 for {$2200.00}, but as of today, XXXX XXXX, 2016, Loancare has not issued a statement reflecting this payment, and therefore has not indicated that another payment for the same amount is due on XXXX XXXX, 2016.

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 2020-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized ATM withdrawals totaling a loss of {$20000.00}. These charges were not authorized and money was stolen. Created a case with Wells Fargo bank and with XXXX XXXX Police Department. 
I received a call from Wells Fargo bank stating they will not cover the losses of the money because it was done with a pin number. 
XXXX XXXX Police XXXX requested videos of the transactions with subpoena and was refused any videos and photographs of the ATM transactions. I was contacted by Wells Fargo Bank and they stated they reviewed the video of the transaction and it clearly showed it was not me making the withdrawals. Wells Fargo has admitted that it was not me who withdrew the money but they refuse to help law enforcement. Wells Fargo is unwilling to help with an ongoing police investigation by not providing videos. Wells Fargo is not providing insurance to cover the loss of stolen funds.

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 2016-08-25
Company: Financial Credit Service, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A representative from the Asset Recovery Associates called me and claimed to be representing XXXX to collect a debt that they claim I still owe from XXXX. They threatened me with a lien, to seize bank accounts and sue me in court. I spoke with no less than XXXX different people. Together they provided zero proof that the debt ever existed and when questioned about how I was able to open the alleged account in XXXX when I would have been XXXX years old, they changed their story and blamed a computer glitch/data entry error. I watch my credit histories carefully and this account never appears on my reports - then or now. I do not owe this debt but ARA attempted to scare me so that I would agree to pay. They also disclosed my social security number over the phone without verifying the identity of the person answering the phone. This reckless practice puts me at risk for identify theft. They must have purchased my information from some organization.They offered to send proof of their claims about this alleged deliquent account to me via email ; I provided my email information but have n't received any information - its been over a week now. This company is engaging in illegal business practices and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
National Credit Systems Inc sent me a letter XXXX XXXX, 2016 offering to reduce my debt if I sent the money in by XXXX/XXXX/16. But they did not send it out until around XXXX XXXX after speaking to the male supervisor it was clear that the intention was never to allow me to pay the reduced amount of XXXX. There was no date on the envelope sent by the credit company so they could and did say that the letter was sent before the closing date on the letter, and blame the postal service for the delay. The supervisor is very disagreeable and rude and seem to be counter productive to getting the companies payments from the customers. This supervisor places on my file what he choose to, after I asked him to put on my file that I am willing to accept their offer of paying XXXX but I could not afford to pay the full amount of XXXX. This debt was bought from the XXXX XXXX XXXX in XXXX Michigan. I feel that the National Credit system is deliberately misrepresentive of their offers to reduce your debt because they do n't give you time to respond to these requests and blame the postal service for being too blame for the delay when it is clear that if they had sent the letters out in a timely manner I would got it in time to respond to the offer they sent me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called XXXX to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that XXXX wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked XXXX to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to XXXX about this and they would fix it XXXX month and then the next month it would be back on the statement. The XXXX XXXX bills would reflect exactly what I am describing. So when I went to court XXXX refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of XXXX for proof that I owe this money and they could n't produce any statements. When my attorney asked XXXX in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid XXXX by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Nelnet, Inc.
State: DC
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:
I requested a payment refund from XXXX XXXX for overpayment of my graduate plus loans during XXXX pause under the XXXX XXXX on XX/XX/XXXX, being quoted XXXX days to issue the refund. However, I've received no confirmation or status updates from XXXX XXXX  via email or when calling. They've now quoted me via phone up to XXXX days. I'd like to have my refund processed inmediately so I can apply for student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Paramount GR Holdings, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan pal lost my payment! I have tried to resolve this problrm since XXXX. 
This is a new loan they were paid via my banks bill pay and cashed by loanpal. Loanpal miss applied my first 3 payments. The first 2 were finally found and applied to my account. The 3rd bill pay check has not been found but has been cashed by them. I have spoke with their collections department numerous times. Faxed in coppies of the canceled check that they cashed. My bank has faxed in coppies of the canceled check and I also emailed them to my loan officer XXXX XXXX. To this day The funds have not been returned to my bank I started paying via their online service in XXXX and have not had any problem since then. It is XXXX and I still receive weekly calls that they have not received payment and I am collecting late fees from this fiasco!

Company response to consumer: Closed with explanation