BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: MS
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 Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX  Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not my debit and have already requested documents. They just transfer it to another 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 explanation
Consumer complaint received 2021-10-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services manages my mortgage currently. The have truly terrible options for paying your mortgage- your only option is to pay once a month. They have no option for a bi-weekly payment plan. I tried using a third party servicer to pay my mortgage bi-weekly and Rushmore won't accept ACH payments, so that servicer has to pay by check. That is completely ridiculous and with the changes coming to the USPS, could cause me to have a late payment if it starts to take a ridiculous amount of time for them to get the check. It is totally unacceptable in 2021 that a loan management company wouldn't take ACH payments, or provide a bi-weekly payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Bread Financial Holdings, Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I went to pay my PayPal bill on XX/XX/2018 on line. Could not bring up payment screen. Called PayPal about the issue and was told my account was on hold for Bankruptcy, I informed them I am not bankrupt, never have been, nor filed for bankruptcy. Was put threw to their investigation department, was told to call back in 10 working days which I did. Was told that I was still under investigation. That I would get a phone call or letter to the results of this investigation. Almost a month has passed still no call no letter. Account still frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
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 am writing a response to Helvey & Associates regarding a FTC avid avid and request for removal. A police report has been filed with XXXX military police. Documentation has been sent to XXXX XXXX of Indiana and will also be sent to you and will arrive soon. However, the item needs to be taken down immediately. I will also forward you letter to the FTC with police report as well. I have forwarded your response to the corresponding officer and my attorney. If the items is not removed immediately I will move forward with civil suite . Once again I ask that you remove this item from my XXXX, XXXX, and XXXX  report. I would like to work this out with you but if a resolution if not met I will seek further legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Blakely-Witt and Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by the collection agency via mailed letter. The letter did not include the validation of debt notice and it also threatened litigation. This letter was received over a year ago. I responded in writing to inform the agency that they had not provided me with an opportunity to dispute. I also disputed the debt in my letter telling them that when I moved into the apartment the carpeting was soiled with pet stains. I have proof of the communication with the landlord from when I moved in when I notified them of the soiled carpet. I received no response from the collection agency. This collection item is listed on my credit bureau report. I had several conversations and provided numerous emails to the property management company detailing why I should not have to pay for carpet that was not new and already soiled and damaged when I moved in. I have the original emails going back to the time when I moved into the apartment proving my claim. I lived there for two years and encountered several other problems including A cockroach infestation overflowing from a neighboring apartment and regular instances of people smoking in the non-smoking building. I paid a nonrefundable pet deposit and always paid my rent early or on time. I had also paid to have the apartment professionally cleaned through the recommendation of the landlords stress free plan upon moving out. Social media is rife with these types of complaints about this particular property and property management company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Comerica
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I Have and Account Overdrawn {$360.00} With XXXX XXXX For A Transaction From XX/XX/XXXX that i did not do and XXXX XXXX has not Remove the Charge and The Account Has A Negative Balance For A Transaction From XXXX XX/XX/XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I have a loan with Chrysler Capital. My ex wife had filed Bankruptcy and the bankruptcy was final on XXXX of XXXX. I was not aware of the decision that XXXX XXXX had made with the act. I understand the fact about bankruptcy privacy law and do to the fact that ex wife was a co applicant. After that my wife and I were having difficulties with our marriage split up and divorce. Now I requested XXXX XXXX to explain to me what was goin on with my act. All I got was the run around. Finally i call on XXXX the XXXX XXXX and spoke with a young XXXX female and she explained to me that. They decided to forgive us for the bankruptcy. Since XXXX of XXXX i continued making regular payments to the vehicle. The young lady stated that they were not going to release the title till they get the full payment of XXXX. I asked her what i needed to do to get them to continue bssns she stated that i needed to refinance the vehicle with another finance company. I asked her what about the pmnts i made for a full year? She stated that it was voluntary ... I asked voluntary? All thia time i was making pmnts thinking everything was ok. Then i called the Credit bureau and asked for all three reports. Since i have brought this truck last year not once have Chrysler Capital reported my payments before the bankruptcy. I feel i have been discriminated against and filing a compliant on this matter. This is my first vehicle and last do to the experience that Chrysler Capital made me feel discouraged. Now I am asking for all my full pmnts that was made to Chrysler Financial plus the title to the vehicle. I will give them some time to review this complaint. Mean while if they do not meet my demands this matter will be taken on a civil action. Thank you for your time God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: GreenSky, LLC
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XXXX  company summit and application without my consent to a Greensky with fraudulent signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: CITIBANK, N.A.
State: NY
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:
I had a trial subscription to a newsletter from XXXX XXXX. He runs a site his view of investments and the stock market. The invitation clearly showed that if I was unhappy and closed the account before the end of 30 days, my {$99.00} would be refunded. I cancelled the account before 30 days were over, but they company said that they no longer offered refunds. I filed a dispute with Citibank, which owned the card that I used to for payment .I received an email from Citi this week. The email said that they needed more information and referred me to their website. There was no information at the website. I called up Citi and  they told me that the information would not be available until Monday, even though the email did not say anything about this. THe agent told me that I could send the info by email They needed the letter of cancellation and the invite that showed they offered a refund. Unfortunately, the agent gave me an email address that does not work. I am tired of spending all time needed to get Citi to respond to this dispute. I just called Citi again and their computers are down now. Their service has deteriorated dramatically.

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 monetary relief
Consumer complaint received 2018-02-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have filed for Chapter XXXX bankruptcy and I need to pay on my student loans during the course of my bankruptcy outside of the trustee payments. I do not have access to my account to make the payments. The financial institutions have removed my access and ability to pay on my loans without having to call and wait on hold while my phone call is escalated to another person to schedule a loan payment. 
This practice does not allow me to make payments available to other borrowers and adds unnecessary obstacles for me to make my payments. I need to take time off of work to call during business hours. High interest is building on my loans as I am under bankruptcy protection, so these barriers are very detrimental to me.

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 2018-02-26
Company: AES/PHEAA
State: CA
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 was transferred to XXXX from XXXX last year after applying for Public Service Loan Forgiveness.  I have always made my payments on time and intend to continue to do so. On XX/XX/2017, I received notice that I needed to recertify my income to stay on the Income Driven Repayment Plan. I uploaded and mailed the recert papers to them before 30 days had passed. Just a couple of days after uploading, I received a notice that since I had not submitted the papers, my XX/XX/XXXX payment would be $ XX/XX/XXXX- more than 1/4 of my income! 
After many calls and reassurances that they had the papers and would be processing them soon, they did take out that entire amount from bank account. I had to borrow money just to keep living. I would appreciate it if they would refund the amount paid less the amount of my regular payment.

I recently submitted a change to direct debit form after changing my bank, and they still have not processed that. I'm sure that they'll XXXX that up too and put me down as late.

Each time I contact them I am assured that everything is fine.

I'm looking for another servicer-

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: CA
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:
The company refuses to take any responsibility for incorrect information reported to the credit bureau. In the meantime, my credit has been ruined because it incorrectly reflects 90-day delinquency. I have been unable to refinance my mortgage as a result and have been denied credit. This has created a financial hardship for me. I have been given no timetable as to when this problem will be fixed and have asked for compensation from the company for my troubles and refused. This has become a very frustrating process and I understand that is has happened to several other borrowers.

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 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 BEEN RECEIVING LETTERS IN THE MAIL FOR A WHILE NOW ABOUT ME OWING CHILD SUPPORT MONEY. IM NOT QUITE SURE WHAT ANY OF THAT IS ABOUT BECAUSE MY KIDS LIVE WITH ME AND I HAVE NEVER BEEN PUT ON CHILD SUPPORT. I ALSO GOT DENIED A CREDIT CARD FROM XXXX XXXX DUE TO A LOW CREDIT SCORE. I HAVE PULLED MY CREDI AND I SAW CHILD SUPPORT ITEMS AND LOANS ON MY ACCOUNT THAT DOES NOT BELONG TO ME. I STRONGLY BELIEVE MY IDENTITY HAS BEEN STOLEN. PLEASE REMOVE THESE ITEMS FROM MY REPORT.

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 2018-08-22
Company: LEXISNEXIS
State: NY
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:
LexisNexis has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. 

I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification.

In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus, as well as another letter indicating they did not and would not confirm nor verify any information to a credit bureau. 

Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting  information that they have assumed is verifiable based off circumstance. 

I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. 

Thank you for your time and assistance in this extremely important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Old information reappears or never goes away

Complaint:
I settled a debt with XXXX XXXX and XXXX on XX/XX/XXXX. The account is 7 years old ( it first had delinquency in XX/XX/XXXX ) and it should be removed from my Credit Report. I checked my credit reports from the 3 major credit bureaus within the past 30 days and noticed that this information still remains on my credit report. Please remove this negative account and please provide me with a receipt for that transaction that shows that I paid for this account. I never got my receipt that I called and asked this company for on multiple occasions.

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 2018-08-19
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested to have all old addresses removed and corrected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I sent several letters and nothing has been done. The address on file in inaccurate and needs to be removed immediately

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 2018-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capitol One charged me an annual fee for a card that doesn't have a fee. I switched cards and the new card doesn't have a fee. If I cancel my account I don't have to pay the fee. If I keep my account I have to pay a fee on an account that has no fee. I am in the middle of getting a loan and I don't want the credit ding with cancelling - otherwise I would of cancelled already. And they know this and are holding me hostage. If I have a card with no fee wave it. This is ridiculous.

Company response to consumer: Closed with monetary relief