BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: Park Hill Holdings
State: MS
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 I mailed a letter about a questionable account on my credit report. It has been past the time that the FCRA allows for a copy of my and investigation report and I still haven't received any correspondence.

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 2018-06-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by 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 2018-08-25
Company: NCB Management Services Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i was told i i settled the debt that it would be removed from my credit report and the debt was paid and still havent been removed from report i have all recepits,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Experian Information Solutions Inc.
State: OH
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 was going to buy a car and I pulled up my XXXX XXXX, XXXX XXXX, Experian and XXXX credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: EQUIFAX, INC.
State: OH
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 was going to buy a car and I pulled up my XXXX XXXX, XXXX XXXX, XXXX and Equifax credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Integrity Funding Ohio, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX IS REPORTING A ACCOUNT NUMBER XXXX FOR $ XXXX XXXX XXXX A DEBT THAT WAS RESULTED FROM A IDENTITY THEFT ON MY CREDIT REPORT I HAVE REQUESTED SEVERAL TIMES TO VALID DEBT WITH MY ORIGINAL SIGNATURE ALONG WITH THEIR ABILITY TO OPERATE IN THE STATE OF TEXAS AND ONLY RECEIVED PARTIAL INFORMATION THERE'S NO ORIGINAL SIGNATURE FROM ME AND THIS DEBT I WANT DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, my account NCSECU North Carolina State Employee Credit Union withdrew {$410.00} from my checking account ending XXXX for payments missed in XX/XX/XXXX. This caused several items to be overdrawn and several returned check fees acquired on my behalf. I was never notified of this transaction prior to it being processed an was told by XXXX XXXX XXXX XXXX XXXX officer that the transaction was made due to the funds being available. Upon investigation the amount being auto drafted was changed 3 times by State Employee Credit Union in XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX. These actions were erroneous and cost me the lender. I visited several branches and made several phone calls hoping to negotiate a payment plan, have my funds returned to my account, and have the return check fee paid on the banks behalf because these insufficent funds were not due to my actions. I was denied and the loan officers were unwilling to negotiate because the fee was already collected. I am contacting your office in final attempt to correct this error. Please contact me should you require any further information regarding this manner. 

Thank you, 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 2018-08-25
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a PSLF application online directly to XXXX XXXX and received a letter indicating that my request for public service loan forgiveness was not approved because I did not have enough qualifying payments. I sent several requests to be reconsidered for loan forgiveness through the TEPSLF program and received the same email indicated that my request for TEPSLF would not be evaluated because I did not submitt an PSLF application. When I called the number provided to XXXX   XXXX XXXX I was told that I was not eligible for forgiveness because I didn't have enought payments. They did not answer my question as to why I received emails indicating that my request for reevaluation through TEPSLF was denied because I did not submit an application. My original loans were Federal Direct Stafford Loans disbursed in XXXX through XXXX. I have worked full-time for approved non-profit organizations since XXXX and have consistently been on an income contingent payment plan throughout the past 11 years to different providers who have held my loans including the XXXX XXXX XXXX XXXX, XXXX/XXXX, and most recently, XXXX  XXXX. My calculations indicate that I am well beyond the 10 year/120 payments needed for loan forgiveness, however, only payments made after XXXX are being counted towards eligibility. In XXXX, i was advised by XXXX ( now XXXX ) that to be eligible for student loan forgiveness I needed to consolidate my loans with them. This information was incorrect because my loans were originally direct Stafford loans held by the now defunct XXXX XXXX XXXX XXXX and under PSLF were in fact eligible. I am now being denied because all payments made prior to XXXX XXXX do not qualify. My complaint is against XXXX XXXX for not even taking the time to communicate a valid response to me a reason why my request for TEPSLF consideration was being denied. In addition, I believe the current servicer of my loan should not be the same entity that evaluates and processes student loan forgiveness. Isn't this a conflict of interest? As long as they hold my loans they continue to benefit from the interest. In addition, this company refused to let me speak to an individual in the dept. responsible for reviewing PSLF or TEPSLF requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2018, I filed a dispute with XXXX about XXXX XXXX XXXX, to either verify the alleged debt owed, or remove it from my credit report, which they have made no attempt to verify the debt, as pursuiant to the Fair Debt Collection Practices Act, and as such, from my understanding, it is to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
I do not have a contract with XXXX XXXX XXXX XXXX for any services rendered. These clowns are adding things to my credit report that I would like removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Racket : I deferred my mortgage during Covid. When I confirmed multiple times that there were no fees or interest involved, the bank said I qualified for putting the deferred amount to the end of my loan. I had to fight for the said agreement as when it came time they tried to refinance me and did not want to give me the agreed upon terms. This took many calls and many hours to finally get legal paperwork to turn that amount into its own loan with no fees or penalties. The term says I have until the year XXXX to repay. I came into some money and have tried to pay my primary mortgage balance off. I have tried to pay my mortgage off for about two months and again with many calls and hours of conversation. The bank denies me paying off. Took my money and placed it into escrow ( even though it was designated as principle ) and continues to charge me mortgage insurance and interest. This has been going on for a long time and I feel it is a racket being run by Wells Fargo as no one has the answer to why I can not pay of my original balance only to say that there is another balance associated with it but they don't show it available to pay either. There is no account for it, even to make a payment. Just that the balance is there. I have legal paperwork for this loan. This is costing me monthly and is absurd. I have spent more than 20 hours in phone calls and make calls weekly. They refuse to zero my original loan balance in order to continue to collect any amount of interest and mortgage insurance still being charge. I'm sure that other people have been taken by this situation, if they even cared to fight this far.

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 2018-08-25
Company: EQUIFAX, INC.
State: NY
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:
This debt is not valid it meets FCRA requirements - I have not been notified about this debt - it keeps on re appering on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account on my credit report is not authorized or verified

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 2022-10-04
Company: TD BANK US HOLDING COMPANY
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Shellpoint Partners, LLC
State: CA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Thaxton Investment Corporation
State: TX
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:
XXXX  has been non-compliant with removing the unverified account XXXX   XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX   XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 an FTC report and a Police report on XX/XX/XXXX when I discovered that I had been a victim of identity theft. CAPITAL ONE and XXXX XXXX were notified by each credit bureau that their accounts reporting to my credit file were fraudulent. CAPITAL ONE and XXXX XXXX have NOT responded. It has been more than 30 days. ( EACH ACCOUNT WAS REMOVED XX/XX/XXXX ). 
It has recently come to my attention that CAPITAL ONE and XXXX XXXX accounts have updated on XX/XX/XXXX and XX/XX/XXXX to my credit files and decrease my credit score. CAPITAL ONE and XXXX XXXX have not responded to any of my notices. CAPITAL ONE and XXXX XXXX were removed from my credit files on XX/XX/XXXX due to their non-response. 
It has recently come to my attention that 3 ( three ) accounts were added back to my credit files after removal on XX/XX/XXXX. I was unaware of this until now. I have already contacted each company again individually and I have not received a notice before any account was reinserted to my credit files. This is a violation of the F.D.C.P.A. 
CAPITAL ONE is reporting the amount of {$550.00}. Proper documentation from CAPITAL ONE was NOT provided to MY NAME to allow CAPITAL ONE to verify the accuracy of the data before reinserting their account with the credit bureaus for collection. This account was removed from my credit files on XX/XX/XXXX. There are now 2 ( two ) duplicate accounts listed on my credit files for CAPITAL ONE each with different open dates. 
CAPITAL ONE received an additional notice on XX/XX/XXXX via certified return receipt. CAPITAL ONE has not responded. All information was also forwarded to each credit bureau. 
XXXX XXXX is reporting the amount of {$3500.00}. Proper documentation from XXXX XXXX was NOT provided to MY NAME to allow XXXX XXXX to verify the accuracy of the data before reinserting their account with the credit bureaus for collection. This account was removed from my credit files on XX/XX/XXXX. 
XXXX XXXX received an additional notice on XX/XX/XXXX via certified return receipt. XXXX XXXX has not responded. All information was also forwarded to each credit bureau CAPITAL ONE and XXXX XXXX are each listed as a collection / charge-off accounts and is currently updating in violation of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq. CAPITAL ONE and XXXX XXXX have repeatedly violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-08-25
Company: EQUIFAX, INC.
State: VA
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 Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, passport, utility bill and cover letter and they continue to inaccurately report this account on my credit report. I demand that they remove this fraudulent account from my credit report. The company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX, I decided to refinance my car. I paid {$680.00} to Credit Acceptance Corporation. This was the difference in the actual value of my XXXX XXXX XXXX and the l balance with the lender at the time, Credit Acceptance Corporation. My credit union paid off the remaining balance. The transaction was seamless. I refinanced my car and the first payment has been deducted from my checking account with my credit union. 

On XX/XX/XXXX, I decided to make sure my mortgage payment had processed. While checking my account, I noticed that {$390.00} had been deducted by Credit Acceptance Corporation. I called and spoke to a nice young lady named XXXX. I told her about my dilemma, explaining that I did not want my mortgage payment and several other charges to bounce due to their mistake. Although she was very sympathetic, she said that she would need documentation from me, that it could be a lengthy process, and that it would be quicker for me to contact my credit union to have them dispute it. She confirmed that my account was paid off and that the payment was deducted anyway. She was just doing her job, and I understand that. But it left me, as a consumer in the cold. 

By the grace of God, I did have a few extra dollars to keep my mortgage from returning unpaid. It is automatically deducted from my checking account each month. But what If I had no other resources? This should not happen to anyone. It shows negligence on behalf of Credit Acceptance Corporation. Now I have to wait 5-10 business days for the funds to be disputed and restored to my account through my credit union. I am grateful that I had the extra funds to make up for the shortfall, but now I do not have access to that money during a pandemic. That is not fair. 

Not only do I want my funds refunded, but I also would like a letter on CAC letterhead apologizing for their mistake and promising that they have taken steps to keep this from ever happening again. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX processed my car refinance flawlessly. Their name should not be mentioned in anything published on line. This is strictly between me and CAC.

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 2018-11-09
Company: NCB Management Services Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company has mailed, called both cells and work phones, and emailed several times from different numbers leaving messages. This company has called early in the morning as well, each time their calls are blocked they use a new number.

Company response to consumer: Closed with explanation