BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, our loan on a property at XXXX XXXX XXXX, XXXX, NC XXXX, was serviced by XXXX XXXX. XXXX XXXX merged with XXXX and began servicing the original loan number XXXX. 

First Citizens notified us : We will charge you for insurance we plan to buy from XX/XX/XXXX - XX/XX/XXXX, unless we can verify that you have Insurance coverage for XX/XX/XXXX - XX/XX/XXXX. The insurance we but : Will cost an estimated XXXX annually. 

My insurance agent from XXXX XXXX has sent verification of insurance on more than one occasion to First Citizens. 

Today XX/XX/XXXX, I spoke to XXXX a rep and then to XXXX, a manager. I explained that we do not escrow insurance and pay the insurance annually on XX/XX/XXXX, every year. I also explained that since there was no indication of non coverage from XX/XX/XXXX to XX/XX/XXXX, that the insurance was indeed paid ( XX/XX/XXXX to XX/XX/XXXX ). There was also no notification of cancelation of policy to the mortgage co. 

Both reps of First Citizens indicated that the original info must have been lost when the banks merged and that it was my responsibility to provide them with proof or I would be charged for a policy to cover the time period of XX/XX/XXXX to XX/XX/XXXX. 

I am not responsible for the gross incompetence of the bank, their staff and the failure of First Citizen 's to maintain records and feel that this action is an attempt by First Citizens to extort money from me. 

Incidentally First Citizens also services two other mortgage loans and a equity line of credit in the same city. I do not pay escrow on either of these loans, and the insurance on the other two properties are paid annually from XX/XX/XXXX to XX/XX/XXXX. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Cell XXXX H- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Genpact Limited
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX pharmacy in XXXX store in XXXX XXXX submitted approval for prescriptions to my previous insurance carrier, not current. They XXXX XXXX approved it in error, I paid my co-pay and had no idea until I got a collection letter to reimburse them. Called them and said they need to talk to the pharmacy, they and you made the mistake, I was hung up on. I called the pharmacy and was told they would not fix their mistake, but rather I would need to submit a claim to the correct insurance carrier. They gave me print outs of the labels for the prescriptions and sent a completed claim form to XXXX XXXX. XXXX XXXX has never responded, other than rejecting the claim form saying it didn't have all the information from the pharmacy label. I sent it in to them twice. I also advised XXXX XXXX that a claim for had been submitted. I was told that was all I needed to do. I have not received the reimbursement from XXXX XXXX and now XXXX XXXX has turned this over to XXXX XXXX for collections. The pharmacy won't help and no one at either insurance carrier will work it out between them. This is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: WELLS FARGO & COMPANY
State: CA
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:
This complaint is in regards to a student loan I have with Wells Fargo. The account number for this loan is XXXX. I obtained this loan back in XXXX or XXXX. I have saved enough money to pay the loan balance in full. The loan balance is {$5900.00}. I have been trying to make a one time pay off but Wells Fargo refuses to accept anything other than minimum payments of $ XXXX/month. On XX/XX/XXXX I made a payment to Wells Fargo for {$5900.00}, confirmation number XXXX. Wells Fargo refuses to provide me with anytype of documentation that the loan is paid off. I was told that the funds would be trasferred to Wells Fargo no later than XX/XX/XXXX yet the money still has not left my bank account. I know the reason Wells Fargo refuses to take my money is because they want another month to pass so that interests accrues on my balance so they can charge me more despite by {$5900.00} payment. 

I have spoken with several bankers with Wells Fargo who refuse to provide me with any type of receipt or documentation for paying off my loan. ( 1 ) XXXX XXXX NMLS ID : XXXX ; ( 2 ) XXXX XXXX NMLS ID : XXXX. I have also spoken with the " branch manager '' of the Wells Fargo located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I spoke with a male over the phone and he refused to identify himself or provide his NMLS. He refused to provide me with anytype of documentation of my loan repayment.

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 2023-01-18
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-06-02
Company: EQUIFAX, INC.
State: IL
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 sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611, It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
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:
On three different occasions, I have contacted Experian by mail to provide me : " Copies of any documents you used to make your decision, including electronic correspondence of all types, a copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information you received from the data furnisher, the name, job title, and contact information of the individual ( s ) you contacted at the data furnisher and the name, job title, and contact information of all employees within your organization who played any part in handling this dispute ''. 

These letters were sent via certified mail and the allotted time of thirty days was given each time. Unfortunately, Experian only " updated '' the files without in proof of the above. I have requested the above information to ensure the information that was reported was legal and accurate. Other bureaus could not seem to find the documents, thus deleting the tradelines from XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. Experian, whereas " UPDATES '' the account. I am at a loss because I have yet to see where this updated information is coming from and I am concerned that they are not reaching out to XXXX XXXX, XXXX, XXXX, 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 2020-05-31
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
I have brought account up to date but credit acceptance is still reporting account is past due. I have reached out to them but still nothing has been done to correct. 





XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A credit card from Bank of America was opened in my name on XXXX XXXX. I received the card in the mail and due to the credit check to open the card, my credit score dropped as well. I also am concerned about whoever did this, doing it again. I called bank of america and they cancelled the card and told me not to worry. I am worried this was step one by someone to steal my identity.

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 2018-05-07
Company: Eagle Accounts Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2015 XXXX XXXX XXXX entered me into a contract without my knowledge or council for a undisclosed amount as of right now the damages are XXXX continuing XXXX monthly.

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 2019-11-13
Company: LoanCare, LLC
State: NJ
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 received notification that LoanCare placed a missed payment on my XXXX   credit report as of XXXX XXXX. I paid my mortgage as agreed.

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 2021-04-28
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The collection is unknown and no documentation was provided. I keep getting harassing phone calls and mail. Attempted to settle and resolve and lawsuit was filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased an item for {$120.00} via XXXX. The item was damagedthe skirt was black with several bleach stains. I called Chase, and the representative, XXXX XXXX from the XXXX, filed a claim on my behalf. He told me that because the item had arrived damaged, I was protected under Chases guarantee that I do not have to pay for items that were delivered and were not as described. He said that I would receive a credit to my account in 24-48 hours, and Chase would get the money back from XXXX for me. He then told me to go ahead and discard the item. Chase recently contacted me to say that I had filed the claim past their 60 day window and reversed the credit. XXXX XXXX from the XXXX did not tell me about any window. I was informed that I needed to contact XXXX. XXXX said that, although they had ruled in my favour, because I had discarded the skirt, as per the instructions of the Chase representative, Chase would have to file a claim for fraud in order for XXXX to give me back the money. They needed the skirt in order to return the money. As there was no skirt, Id have to go through Chase. A Chase representative, XXXX XXXX, Account Supervisor for Claims Escaltion in Texas told me that even though XXXX XXXX told me to discard the skirt and that Chase would get my money back, it was my fault for throwing away the skirt, and Chase was not liable. I hung up and spoke to another representative who expressed shock that XXXX XXXX would make such a promise and tell me to discard the skirt and wrote up a formal complaint. He insisted that Chase could not pursue the claim, despite all of this and my explaining that XXXX was willing to give me my money back if Chase pursued a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2020 I submitted complaint for two accounts XXXX   XXXX XXXX with Experian. I have no knowledge of this account. Experian stated that they were able to verify but how if this account does not belong to me. XXXX removed it from my credit file because account could not be verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice from my employer that I will be garnished the next pay cycle by MCR receivables  Corporation represented by attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX mi XXXX. The writ for garnishment was furnished by my employer on XXXX/XXXX/XXXX and my paycheck was garnished on XXXX/XXXX/XXXX. I never received a notice from the company and I do not know what the debt is for and was never given the opportunity to confirm the debt belong to me. It shows on the writ that the collection agency sent the original judgment to an old address that I have n't lived at in 10 years. 

The writ states : Plantiff received judgment against defendant for XXXX on XXXX XXXX, XXXX. The amount of unsatisfied judgment is XXXX. 

It does not state on the writ what company is demanding payment. At this stage I am being garnished for a debt that I know nothing about. 
To date the following amounts have been garnished from my paycheck : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
i have contacted experian on several different occasions to remove this information because i went to court twice and showed proof to the judge and he dismissed the case in my favor that i owed this apartment complex nothing now i have a pending lawsuit against them. Experian is the only credit company that has not remove this from my credit report stating that it is accurate.

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 2021-08-09
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice for a {$260.00} bill owed to XXXX  for cable service. I contacted MRS BPO and paid the amount around XX/XX/2021. I was told it would take 30 days to update my credit report. 
I contacted MRS BPO around XX/XX/2021 when the item was still showing on my credit report. I was given the run around as to why this is still showing up. I requested it to be updated, as it was paid and I am looking to purchase a home. The agents were really rude and after about an hour of callig back I finally got someone who seemed to be cooperative. I was told she was unsure why it wasn't updated and she would send it to the department to be updated. I also never received the letter in the mail that this was paid. 
I disputed this with XXXX XXXX for the information being inaccurate. As of today XX/XX/2021, XXXX XXXX is stating that the information reported was verified and considerted accurate. I just want my credit report updated so that I can move on with my life.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
there was a class action suit against Wells Fargo for over charging on auto loans from XXXX thru XXXX and my loan was from XXXX and is still in effect. I am trying to see if my account was effected by their actions

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 2021-06-02
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I am writing to equifax XXXX and XXXX  because my rights have been violated under Federal law. Understand that if these accounts are not removed from my report immediately, I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2020 PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam Please see the above referenced complaint - We never received any communication from BOFA- this issue still is NOT resolved and there is XXXX outstanding in addition to our attorneys fees of over XXXX. The complaint was closed and theres no conclusion

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 2018-05-07
Company: Experian Information Solutions Inc.
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: Problem with product or service terms changing

Complaint:
Last Thursday or Friday I contacted Experian because I felt I was being charged for services I was not getting ie : 3 reports not just 1. 

After very long conversation I was more confused then when I called and the rep couldn't even figure it out. A supervisor who refused to speak with me just told her to take me to the site to find the terms. In reviewing the site together neither one of us could find the answers. 

So basically they could not confirm what I should be getting for what I was paying. I explained that because I felt I was being overcharged and they would not help me I would file a complaint with the BBB, which I did. 

I got a message from the BBB earlier today saying the complaint had been sent to Experian. Several hours later I got an email with Experian telling me they had cancelled my account. Seriously?? 

I called and they refuse to tell me why. They confirm it was cancelled internally and not by me. How can they do this when I have been paying for a service and even been overcharged. 

I now have concerns as they are in control of my credit. This feels like retaliation.

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