BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
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:
on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX XXXX  $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XX/XX/XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XX/XX/XXXX and XX/XX/XXXX you have no payments at all reflected, I can understand XX/XX/XXXX but NOT XX/XX/XXXX and XX/XX/XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.

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 2019-02-22
Company: EQUIFAX, 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:
on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XXXX of XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XXXX and XXXX you have no payments at all reflected, I can understand XXXX but NOT XXXX and XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RECEIVABLES PERFORMANCE : Highest Balance {$310.00} You've paid off 100 % of your collection amount. 
XX/XX/2018 ( 8 mos ) Creditor Information RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX STORE CREDIT CARD # XXXX-XXXX-XXXX WHEN ATTEMPTING TO PAY MY BILL ONLINE, I HAVE EXTREME TROUBLE LOGGING IN. MY PASSWORD IS NEVER ACCEPTED. I CALL THE CUSTOMER SERVICE AND THEN THE MANAGER ON THE DUE DATE TO EXPLAIN THE PROBLEM. I MAKE THE PAYMENT, BUT I'M STILL CHARGED A LATE PAYMENT FEE. I'VE ASKED THEM TO TAKE OFF THE LATE CHARGE THAT SEEMS TO COME EVERY MONTH NOW. AND I'VE ASKED THEM TO CANCEL MY ACCOUNT. THEY SAY THAT IF I CANCEL MY ACCOUNT - THEY WON'T TAKE OFF THE LATE FEE. ALMOST IMMY THERE IS ANOTHER LATE FEE, EVEN IF I DID NOT CANCEL MY ACCOUNT. I WOULD LIKE TO CANCEL MY ACCOUNT WITH XXXX XXXX AND HAVE THESE LATE FEES EXPUNGED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: Stallings Financial Group, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this company is trying to collect a non existing debt, they mailed a letter requesting payment and I replied denying the debt since it is non existing, and I never had any relationship with this collector agency. Their response was to mail the receipts form my kids dentist and show " the debt '' amount by {$53.00}. Also included in this response they requested this debt to be reported to the consumer reporting agency as disputed, even if it hasn't been legally demonstrated that is real and existing ( which they won't never do, since it is not real ). 
Also they had never shown they legally own the " debt '' nor they legally represent the dentist in the complaint. To make thing worst, as part of their " bills/receipts '' to show the debt, it is clearly expressed the odontological history from my kids, which rights has been violated since I signed a HIPAA agreement with them, and now it is in hands of a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Navient Solutions, LLC.
State: MD
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:
My student loans Ive been fighting since their first lawsuit, was finally excepted with their second lawsuit and I was approved XX/XX/2022, the discharge of XXXX percent shows to be removed within 180 days weve past that by 100 days, its affected my score every month within the 100 days on top of over the years by about XXXX points, thats not fair, their twos are harassing me and marking me feel like law is hopeless and that I need to be scared or depend on something other then my rights and law plus their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was not 30 days late for the following months ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EarnUp Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Earn Up is a third-party that collects mortgage payments and forwards them to the lender. The purpose is to make bi-weekly payments so the loan will be paid off earlier. 

Our XXXX payment was sent to XXXX XXXX ; our loan was sold to XXXX XXXX. I contacted Earn Up on XXXX to cancel my account since XXXX has their own bi-weekly option. They advised me that the XXXX payment was sent to XXXX on XX/XX/XXXX. I contacted XXXX  and they stated they had not received the payment. I informed Earn Up and they stated it was too soon to issue a stop payment. I made weekly contact with both institutions. On XX/XX/XXXX, Earn Up advised me they would issue a stop payment and refund the $ 3,000+ to my account. I monitored my checking account for the refund. On XXXX, I contacted EarnUp who stated it was too soon for the refund. I made contact on XXXX, XXXX, and finally on XX/XX/XXXX a rep told me that the check was cashed by XXXX on XXXX. I contacted XXXX  and they stated they had not received any payments on my behalf and would need proof of payment ( transmittal report, copy of canceled check, etc ) before they could initiate any investigation regarding my account. XXXX  was not willing to do any research on the payment without proof. I have requested a copy of the canceled check and an annual statement from Earn Up, multiple times. I was quoted 3-5 days turnaround on the check and statement. It has been over 2 weeks. 

Each time I call the customer service line, they say the same thing, " We've escalated the request and sent it to the back office. '' The phone center is in XXXX. They stated they make contact with XXXX XXXX by email only and no one can speak directly to XXXX XXXX staff. They are unable to tell me exactly the status of my requests, only that the information was sent to XXXX XXXX office. There has been no follow-up from Earn Up, either by phone or email. I have had to make all contact with them. 

I am unable to recover my $ 3,000+ from XXXX  without proof of payment. I want my money back. I want Earn Up to respond to my requests and provide the documents I've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I purchased XXXX tickets for my son and I from what I thought was reputable dealer for {$160.00}. The seller provided name, phone number, bank info, and email address. I was advised to use Wells Fargo banking app to transfer the funds using XXXX. After money sent I waited for tickets to arrive but nothing. Phone calls were sent straight to voicemail and texts were no longer responded to. After reaching out to my bank to report the fraud, I was told that they hold no responsibility for XXXX usage despite the money transfer service being in their application. I was also not given information regarding transaction despite Wells Fargo requesting information when utilizing app. I believe that is a shame that Wells Fargo and XXXX  XXXX XXXX promote and make money off of an service that provides zero responsibility for fraud and insecure transactions.

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 2019-03-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX MI XXXX is trying to collect a {$400.00} XXXX phone bill from XXXX 2009. Ref ID XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been in dept with this company for over ten years. I have deferred my options and explained my income. I am not in the position to pay them what they are asking. The whole world knows that the US advices you to go to college, take out this great dept if your parents arent rich, and some how pay them back. When companies offering a job are only offering a XXXX starting income. They have taken my taxes, harass me daily with calls, and stresses me out beyond day to day. I am a single mother trying to provide. For my mother who is not workin, and my grandmother as well. I just dont have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have already filed one complaint with you, you said you heard from the lender and it usually takes 60 days to get resolved so I waited and logged in approx. 40 days later to see status and you had closed account. you received misleading and wrong information from the lender as I keep doing now. the lender has caused a hardship in ruining my credit with wrongful reporting but caused a hardship to the buyers as well they aren't able to do any on their home because of this lien. it all started in XX/XX/XXXX shortly my husband had passed I tried to resume which I did on time payments for a long time but started struggle as loan fully indexed to principal and interest payments and the heloc also went up. I asked the lender multiple times both in writing and verbally to drop my impound account this would have made the pmt more manageable however they didn't so I was forced to sell the home. in XXXX I knew we were selling the home so I told Ditech to credit my impound account to the XXXX payment they did not in late sept. early XXXX they sent a pay off demand to escrow ( they had plenty of time to add the XXXX interest ) but for some reason they didn't. escrow paid them off short the XXXX payment I spent the next months when notified asking them to release the impound account they never did again in writing and verbally. I received threats and payment request in excess of XXXX they change weekly not knowing the amount to ever send in by the way the payment was only XXXX short. Once I notified you guys they did send me a letter and spoke with a supervisor who gave me a pay off until XX/XX/XXXX and told me to wait and send in after I send impound account letter to them via fax I did that they received but never sent me new letter. they sent you the same pay off but prior to the XX/XX/XXXX I received a letter certified dated XX/XX/XXXX asking for XXXX + again. now it appears they took my impound account paid the new buyer taxes for them last month go figure now they owe me my impound account back and I owe them nothing for this stress. please review and take time each letter received and see the contradictorily dates have them reconvey the mortgage at once like they should have in the beginning for the buyers have them do their due diligence which is correct and legal and please shut them down they are preying on the elderly and the misinformed. the 3rd attachment has multiple letters attached please read in its entire and see how they conflict on and contradict each other the last few are fax confirmations that they received the impound request and note they made acknowledgment to you that they acknowledged we asked them to credit the impounds to XXXX payment they even tell you they received directions and acknowledged that in the their repose complaint to you under file complaint attached.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ Data international XX/XX/XXXX I reached out to discuss the XXXX balance from the XXXX XXXX  I spoke to Mr. XXXX XXXX accounts manager, I told Mr. XXXX XXXX that the XXXX was not explained in the itemized list and I was not responsible for those fees. He stated that I breached the contract by leave the apartment earlier and I explained to him that a noticed was given in XX/XX/XXXX that I would be vacating the premises on XX/XX/XXXX. I was no longer responsible for the lease after XX/XX/XXXX. Per the contract section 2-A ( 1 ). 

He then began to get upset and refused to communicate respectfully. I asked him to Provide me the same respect I was giving he proceeds to get upset and refused to discuss the account with me and the call ended. 

In the conversation I told Mr. XXXX that if the extra fees and the excessive water bill that I dont agree with was taken off I would pay the difference. He states that he is the account manager and he will not remove anything from the charges because he dont have too. 

Mr. XXXX XXXX Refuse to allow me to speak to anyone else also told me he was the only person in the company so theres no one else for me to talk to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CL Holdings LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The original creditor has been satisfied with the return of telephone equipment that you never signed for. I have a XXXX balance with XXXX and the collection agency is using XXXX, XXXX XXXX and XXXX to bully a payment from XXXX consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XXXX and XXXX you have no payments at all reflected, I can understand XXXX but NOT XXXX and XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.

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 2019-02-22
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: Investigation took more than 30 days

Complaint:
I have a subscription for credit monitoring with XXXX through Experian. I first contacted them at XXXX on XX/XX/19 to report that the information on my credit report is not accurate. It shows no credit history at all which is not correct. I have 2 active credit cards as well as a history of a paid mortgage.The agent I  spoke with, XXXX, after a 1 hour hold time, told me she would forward the issue to their " support '' team for resolution and that I would be contacted in 7 to 10 business days. I checked the report again after a couple weeks and it was still not correct. I called back on XX/XX/2019 and the agent, XXXX, apologized and told me the issue would be escalated to their support team and that I would hear from someone in 3 to 5 business days. She told me to call back in 5 business days if I still had not heard from someone. On XX/XX/2019 I still had not heard so I called again. This time the agent, XXXX, told me it was still with their support team and she would not give me any ETA for resolution. She stated it was out of her hands. I find it unacceptable that it has been over 5 weeks and no action has been taken to resolve this issue. In the meantime any credit checks done on me through Experian are showing I have no credit which is clearly not the case. Note that I also have credit monitoring through XXXX  and the information in their systems is complete and correct. Please help me get a resolution to this issue.

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