BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Bank of America reported a late payment for XX/XX/2021. After numerous calls over the past few months and a tech case XXXX. Although it showed there were issues with the bill pay and how the bill was generated and sent to me, Bank of America is still allowing that to remain on my credit report. Despite many years and a consistent history of me paying on time. The first time I called, there was no action taken by BOA despite them telling me they were going to research the issue and I should hear back in 30 days. After that period, I had to call in just to find out that nothing had been done to which I waited another months time to try to get any answer and resolution. During that call, it was established there were some technical issues going on and I was transferred to tech support. Tech support was not able to fix the issue while on the phone and a tech ticket had to be submitted. I was also told that a case was being submitted regarding my dispute with how it was reported on my credit file. I received no new information and called several times. I was told that I would received a mailed letter of the resolution within XXXX week however never received. I had to call again today, XX/XX/2021 only to be told that they are going to allow the late payment to remain on my credit file. Despite apparent technical issues and a tech case to correct that.

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 2018-06-29
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have files multiple complaints about this company and how they do not do business right. XXXX does bad business, first they sent my debt to XXXX and XXXX who entered a judgement against me never served me the court papers also seized my bank account and tried garnishing my paychecks. I filed a complaint they investigated and found out they did not serve me. The judgment entered against me was set aside on XX/XX/2018, XXXX advised of this in the previous complaint response CFPB XXXX # : XXXX, which means its no longer valid, they can not collect or try to collect. Now I have XXXX XXXX XXXX calling my parents house which I do not reside, and they are calling frequently. I spoke with a gentleman XX/XX/XXXX who advised me of an Active Judgment case # XXXX and they are trying collect a deb, I told him that judgment was set aside, no longer valid and he said no he shows it active, mind you I have not received and notification of this judgment becoming active again. So I called XXXX XXXX Civil Courts this morning XX/XX/XXXX and spoke who confirmed that this judgment case # XXXX has been set aside XX/XX/2018 and is not valid. Also as of XXXX this specific debt was removed from my all 3 of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted the source for the credit agency Lexis Nexis to dispute bankruptcy case numbers XXXX and XXXX they have conducted an investigation and deleted the information. They informed me that that the reporting agency could see that it's been removed from the reporting source. The reporting agencies, XXXX, XXXX and XXXX continues to report that Lexis Nexus is reporting the information is correct and remains the same. I've submitted the report from Lexis Nexis and they still refuse to correct the information or show proof of anything different from Lexis Nexis or the Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collector, Credit Bureau Systems, contacted both me and my wife regarding Medical Bills. I informed them that I do not discuss anything on the phone, I told them I am only be contacted via US Mail and I requested proof they're authorized to collect and an Itemized Bill from the Hospital showing that we sill owe these bills. I stressed that I want this " From the Hospital, Not a photocopy from them. '' After that time, we received 2 more calls and then I received a Printout from them, not the hospital. This Printout included the Medical Procedures that were performed and this was not from the Hospital. 

When I informed them that they are not authorized to have my personal information that I did not sign any release for them to have this information, which they responded that it's part of the Rights and Responsibilities I signed with the hospital. I also informed them that the two accounts they have were already paid from my XXXX. They stated that we needed to contact the hospital and get them proof of payment. 

Two weeks later they added a Collections Account to both our Credit Reports. 

I sent them a Certified Letter stating that the Hospital has confirmed I do not have any balance with them and that they've violated my Privacy rights. I was told they will not remove the items from the 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 2021-04-07
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I vacated my apartment on XX/XX/2020. I informed my apartment in late XXXX. They tried to enforce a provisional 2 month notice to prevent auto renewal of lease and tried to charge me for XXXX. They did not notify me about the auto renewal as required by Minnesota State law to be applicable, I have documentation from the apartment acknowledging that they did not notify me. I directed them that if they wanted to pursue further communications and file against me they needed to direct that towards my lawyer. They never asked for any information about a lawyer I would have attained. They sent the debt to a Florida based company who does not know Minnesota law and did not inform me of said events. I contacted the debt collection agency sending them the information and statues that my apartment had ignored ( When I talked to my lawyer, they said it was very common for apartments to ignore the statute ) I gave them my information and they neglected to send any new statements or documentation. Instead they filed a second derogatory account against me, impacting my credit scores and hindering my financial situations. I have filed a dispute against them, but they're ignoring the steps they have to take to legally do things. Prior to filing my first complaint with the CFPB I was receiving robo calls from them roughly 1-3 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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:
I tried to reach out to this company for 6 months ( since XX/XX/2020 ) and nothing has change regarding the student loan account on my credit. I do not owe any student loans nor do I owe a collection account. This information is wrong and should be removed from my credit. This has been on my credit for 9 years. If this information is not removed from my account I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I received a letter dated XX/XX/XXXX attempting to collect a debt for a XXXX  account. I have not held or owned a XXXX  account. I have attempted to contact Jefferson Capital regarding this mailing however they are requesting my social security number which I will not provide as I have been a victim of fraud and know that this is the tactics of collection agencies to try and assign debt when you give them your social. I have previously disputed this account with XXXX  along with other agencies by submitting a copy of the police report filed due to fraudulent activity against my social. This debt is not valid and they have failed to provide proof as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I requested in writing Bank of America to stop escrow on my mortgage. 
Its been over 60 days and They are still escrowing the account. I have heard nothing.

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 2020-11-17
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:
I tried to reach out to this company for 6 months ( since XX/XX/2020 ) and nothing has change regarding the student loan account on my credit. I do not owe any student loans nor do I owe a collection account. This information is wrong and should be removed from my credit. This has been on my credit for 9 years. If this information is not removed from my account I will take legal action.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: CO
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 CONTACTED EXPERIAN AND XXXX XXXX SEVERAL TIMES EXPERIAN SAYS AN ACCOUNT IS VERIFIED AS ACCURATE HOWEVER THE COLLECTION AGENCY WHO PURCHASED THE ACCOUNT FROM XXXX XXXX VERIFIED THE ACCOUNT WAS FRAUD AND REMOVED IT. 

FTC REPORTS AND POLICE REPORTS HAVE BEEN FILED AND SUBMITTED TO EXPERIAN FOR EVIDENCE OF FRAUD AND ID THEFT FTC REPORT # XXXX IS FOR XXXX  XXXX ACCT XXXX THE ACCOUNT IS CLOSED. 

EXPERIAN WAS ASKED IN XX/XX/2022 AND XX/XX/2022 TO PROVIDE INFORMATION TO VALIDATE EXPERIAN SIMPLY STATED THEY ARENT REQUIRED TO GET DOCUMENTS FROM THE DATA FURNISHER. 

1 ) I ASKED EXPERIAN TO PROVIDE THE METHODS USED TO VERIFY THE ACCOUNT 2 ) THE NAME AND ADDRESS OF THE PERSON WHO VERIFIED THE ACCOUNT 3 ) PROVIDE THE DOCUMENTS USED TO VERIFY THE ACCOUNT. 

AS OF XX/XX/2022 EXPERIAN IS STILL VIOLATING MY RIGHTS UNDER THE FCRA UNDER FCRA 611 ( 5 ) ( A ) OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INCOMPLETE OR WHICH CAN NOT BE VERIFIED. 
ITS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C 1681 ECERY SINGLE ONE EVEN EACH ANY OR ALL THE UNPROVEN, NON-COMPLIANT, UNTURE OR INCORRECT AND UNDERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMTPLY NEGATED IN ITS ENTRIETY OR THE ALLEGED ACCOUNTS ARE TO BE REMOVED I AM NOW ENACTING MY COMSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL WITH PERSMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS BY THE PROVISIONS OF THE FCRA AND PERS THE STANDARDS OF REPORTING COMPLAINCE I, PLEMENTED WITH THE XXXX  ENACTED XXXX  METRO 2 COMPLIANCE REGULATIONS, I DEMAND THESE ACCOUNTS BE REMOVED PLEASE UPDATE MY REPORT AND SEND ME A COPY

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 2018-07-11
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank has to be the only bank that never wants to answer the phone, never wants to look into my disputes and then lies about dispute forms not getting recieved. 
I filed a few disputes in the past and they claim that I never sent the forms in and it was denied. This I said a lie, because a woman called me and asked me to tell her what I wrote because she didn't understand it. When I filed my first complaint, the woman that was talking to me had no idea her company was owned by comerica. She never filed the disputes and I got stolen from. They send letters stating they see no error. Hello? I'm telling you I didn't make this transaction or I didn't get my order. How's that not an error itself?! 
When I call after disputes, andnput my tracking id they say all reps are busy and hang up. When I finally get a person they transfer me but the line disconnects. Every time!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: Bridgecrest Acceptance Corporation
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am a federally protected consumer and Bridgecrest Financial has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi bank savings account was closed without prior communication. No access to account and I was told a check will be mailed in 30-60 days. Several calls where made to the bank but no one gave a reason and no one could expedite the process to receive a check.

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 2021-10-31
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan Servicing Complaint - Loan Servicing Mismanaged Excess Escrow Due To Incorrect Escrow Calculations Excess Deferred Payment Balance Due To Incorrect Balance Calculations Refusal To Correct These Calculation Errors Multiple Attempts To Bully And Coerce Me Into One Of Their Other Loan Programs Loan Particulars Wells Fargo Bank is the mortgagee on a loan with a balance of approximately {$270000.00}, secured by residence my at XXXX XXXX XXXX, XXXX XXXX VA XXXX. Wells Fargo is also the escrow agent for real estate taxes and hazard insurance associated with the property. 
The loan was originated XX/XX/XXXX. Loan payments were suspended under the CoVid 19 Relief and Omnibus Spending Bill beginning with the XX/XX/XXXX payment. 
Every payment required on this loan has been paid in full, on time. 

Real Estate Tax Relief - County of XXXX The combined effects of the Covid economy, personal injury requiring extended hospitalization and rehabilitation, reduced my income such that I was granted real estate tax relief for calendar years XXXX, XXXX, and XXXX ( upon certification of eligibility before XXXX XX/XX/XXXX ). 
In accordance, the County made the following refunds to Wells Fargo as the escrow agent : Calendar Tax Year XXXX Refunded {$5000.00} on XXXX XX/XX/XXXX Refunded of {$5300.00} on XXXX XX/XX/XXXX Calendar Tax Year XXXX Refunded {$5100.00} on XXXX XXXX Implications of Real Estate Tax Relief Tax relief has resulted in an excess escrow balance, an overstated suspended payments balance, and an incorrect calculation of payments due. 

Refusal To Cooperate Bank Denied My Request For New Escrow Analysis. 
Instead the bank tried to bully and coerce me into another of their financial programs. 

Refusal to Refund Escrow Overage Pursuant to the Regulation X 1024.17 ( f ) 2 In the case of escrow surpluses the escrow agent must refund them in 30 days. 
The bank claims the loan is delinquent. The loan has never been delinquent. Suspended payments are not delinquent payments. Suspension was granted by law.

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 2020-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All payments made to the company are reported incorrectly as Auto Payment Draft -Not the payment method I used. Payments I made to the company were not respected. The credit card company closed my account without notice because their system has not reported my payment history correctly. It may be cv-19. I would like the account corrected and the restore my credit history. I have receipts of payments made that prove my Good Payment history. The credit card company drags my payments down to a Auto draft payment then months later shows the payment method I used was not a Auto draft  payment but leaves a non-payment charge on my account untill the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collection company is trying to collect a debt I have no knowledge of, They have not given me any prof I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: PA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
Auto loan paid in full since XX/XX/XXXX XXXX.credit acceptance Corp still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate

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 2020-11-17
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally has continued to apply late fees and finance charges even though Ive paid my bill over the amount required and on time. Ive called the company and spoke to at least a dozen people who have all told me something different. Im in the process of refinancing through another company but they are truly scamming people. Ive spent hours on the phone with them and they continue to transfer me and hang up. Now its affecting my credit score as a late payment even though Ive been paying.

Company response to consumer: Closed with explanation