BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call today at XXXX Tuesday XX/XX/XXXX about a debt of {$780.00} for services dated back to XX/XX/XXXX. The ladies name was XXXX and I told her the debt was not mine. XXXX said on the phone that Allied business services has called me 52 times. I would think that's harassment. This debt also does not appear on any of my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
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 XXXX i sent in letters regarding inaccurate reporting false items on my credit report and i have not recieved a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CREDCO Miscellaneous Individual XX/XX/ I am unsure what this credit pull is from. I do not recognize it. Nor do I remember purchasing or requesting the purchase of any credit in XXXX of 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 2021-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the following items on many different occasions and I still have not gotten a response yet. It has been more than 60 days since my dispute and nothing. So I am asking you for your assistance in getting the following items removed from my credit file. 

Incorrect Names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX, XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) Incorrect Address : XXXXXXXX XXXX XXXX and XXXX XXXX ( Equifax ) the following late status is incorrect : XXXX - I was never 30 days late in XX/XX/XXXX XXXX. XXXX Loans - I was never 90, 120, or 180 days late from XX/XX/XXXX- XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX XXXX. XXXX Loans- I was never 90, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX or XX/XX/XXXX - XX/XX/XXXX XXXX XXXX - I was never 30 days late in XX/XX/XXXX XXXX- I was never 30 days late in XX/XX/XXXX XXXX  - I was never 30 days late in XXXX - XX/XX/XXXX ; XX/XX/XXXX The following items do not belong to me ( Fraud Account ) - XXXX  XXXX ( XXXX And XXXX ) - Bal : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Synergetic Communication Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from Synergetic Communication Inc stating their client XXXX XXXX XXXX placed the account with their office for collection. Notice stated that I owed a balance of XXXX to XXXX XXXX XXXX, but they would resolve my account if I paid XXXX by XX/XX/2020. I have never had an account with XXXX XXXX XXXX and believe this is a scam. I have filed a complaint with the FTC as well as with the XXXX. I also disputed the debt in writing to both Synergetic and XXXX. During these trying times, these companies should be put out of business for trying to intimidate and scam people into paying money they do not have. I challenge our government agencies to put these despicable people out of business!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Commonwealth Financial Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This medical debt is from 2014 and the collection agency is not showing a " date of last activity '' with the creditor. This was due to an injury on the job and my employer paid this. I didn't try to fix this because i didn't even know I owed it since my employer paid it in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: GOLDMAN SACHS BANK USA
State: GA
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:
On XXXX I placed an order with XXXX for {$160.00}. 
XXXX it shipped from XXXX On XXXX i started tracking ( bc in the past their packages have always arrived quickly. 
From XXXX to XXXX it showed just sitting with no updates or movement. I tried to contact XXXX via their app, as they don't have a phone number, no one every replied. 
On XXXX I filed a dispute with my cc for the amount. The package still hadn't moved and XXXX still would not reply. 
On XXXX I ordered the items they still had and we DID receive that package quickly. 
On XXXX I checked again and it still showed sitting in transit with no movement ( attached screen shot ) FINALLY on XXXX at XXXX : XXXX EST XXXX sent me an email telling me the package was lost and asking if i wanted a refund or for them to reship. 
I replied within an hour and advised them I wanted a refund because I had already reordered and received the other items. I also had to click a link on the email and click refund. 
I did NOT cancel my dispute as I have learned to not do that till refund comes thru. On XXXX, Goldman Sachs emailed me that they found in favor of XXXX and I was not getting a refund. I contacted Goldman right away and asked how they could find in favor of XXXX when the package was lost and they even said it was. I was told that XXXX told them I ordered the items. I explained it was never an issue of me ordering them the issue was the package was NEVER delivered. So Goldman sachs made me open a 2nd dispute for this same issue, which i did on XXXX. This time I sent them the email from XXXX stating the package was in fact lost. 
On XXXX, i get another email that they sided with XXXX again. I called Goldman again to find out how in the world they could side with XXXX when I sent proof it was lost. They said XXXX sent them proof it was delivered. Since it was not delivered I asked to see the proof. On XXXX i got a photocopy from Goldman that showed the package was IN TRANSIT on XXXX, This is also a screen shot i had from XXXX showing the package was " in transit and not delivered ''. 
Nothing shows it delivered. And again, XXXX emailed me on XXXX stating the package was LOST. I asked for a supervisor at Goldman and again was told they would have to open a dispute. So this is the THIRD time they are making me dispute this and refuse to help me. I have the emails, screen shots and what Goldman sent me showing it was NOT delivered. Goldman will not allow me to talk on the phone with them and constantly make me use texting. It is not going on 5 months and they refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: NC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 had 4 loans that was in default and showed as default with the US Department of Education on all 3 credit bureaus ( XXXX, XXXX, Transunion ). Please note that these loans was consolidated into one loan with XXXX XXXX, under account number 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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the 3 bankruptcies on my credit report several times. Transunion, XXXX  & XXXX  keep telling me that they verified them with XXXX XXXX. I have a certified letter from the Court house confirming that they do not and will never verify bankruptcies with anyone Including Transunion, XXXX, XXXX  and XXXX XXXX. By law, these credit bureaus can not report unverified information on my credit report but they refuse to remove it. This is a violation of the Fair Credit Reporting Act. Please have these bankruptcies removed : Reference # XXXX, XXXX, XXXX. 

Thank you

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 2021-11-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2021 I submitted my monthly car loan payment, due on XX/XX/XXXX. Several days later, I realized that the money had not left my account. I logged into my account and noted that my XX/XX/21 payment had been reversed and I was charged a {$50.00} fee. I never received email notice of this. I chatted with an online representative who informed me that the account number I had entered was missing a number and that the fee could not be removed until I my payment was posted. That day, XX/XX/2021, I submitted payment in full minus the late fee. The following Monday, I logged on to see if the payment had posted and it had. I chatted with another representative who informed me that this was not a late fee, but an annual fee. A few days later I received notification in the mail that I had been charged a {$50.00} fee for " return payment fee. '' The notice notes that " a payment posted to your account has been returned by your bank '' On XX/XX/XXXX, I called Truist Bank and the representative told me that the fee could not be reversed because my payment had been returned. This is inaccurate. I inadvertently entered the wrong account number therefore, no payment was returned by my bank as the account number was incorrect - there was no bank tied to the account number entered. I should not have to pay a {$50.00} fee for a payment that was ( 1 ) not returned by a bank and ( 2 ) was paid well in advance of the due date.

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 2021-05-27
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was served paperwork saying I was being sued by CBB Collections over a repossession I had with XXXX XXXX XXXX I called them multiple times and attempted to make payment arrangements that were reasonable for my budget to avoid being garnished. They refused to work with any amount I told them I could afford and told me I had to pay at least {$400.00} or so to avoid them sending in for a judgement. I filed my taxes and told them okay I would be able to just pay them once it came in. They told me I would have until the agreed upon date of XX/XX/XXXX to pay the full amount of XXXX that I owed to avoid the judgement. The week of I called them and informed them my return was being delayed and requested them to just hold off until the money came in. They refused and told me all I had was until that deadline. I called them back on XX/XX/XXXX when my refund got to my account and asked if they had sent in for the judgement and they said they never did and that I still had the option to pay. I paid the {$5400.00} on XX/XX/XXXX. In XXXX XXXX XXXX ( this year ) I sent an letter to XXXX XXXX XXXX requesting they delete my tradeline since I paid them in full the year before through CBB Collections. The lady informed me they never received payment from CBB and told me I still owed them the balance. She told me the balance owed was {$4900.00} not the {$5400.00} that CBB told me I owed them. The lady at auto credit financial told me CBB told her the debt wasnt paid. I told her no this is wrong because I paid them one year prior. She emailed me back and told me she called CBB and that CBB told her that I paid the balance in XXXXXXXX XXXX XXXXXXXX and they would send her payment as soon as they could. I told her this was incorrect because I paid them XXXXXXXX XXXX XXXXXXXX and I provided her with my bank statement showing the transaction of {$5400.00}. She said she would have to contact them and find out why she did not receive the payment the year I actually paid. I have not heard back from her since. Right after speaking with her I called CBB and left a message and never received a call back. I then emailed them and never received an email back. CBB Collections not only lied to me and took an extra {$490.00} on top of the actual balance owed, but they also held onto that payment for a full year and lied to auto credit financial and told them I never paid them in XXXX and paid them in XXXX. CBB reported to my credit report that they received payment XX/XX/XXXX. Because of this auto credit financial has been reporting this open bad account as being unpaid for a full year and it has been damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please have the following items remove from my report they do not belong to me. 
Company : XXXX Account:XXXX Company : XXXX Account:XXXX Company : XXXX XXXX XXXX Account:XXXX Company : XXXX XXXX XXXX   Account:XXXX Company XXXX XXXX XXXX XXXX Account:XXXX Amount : 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 2019-04-25
Company: Nelnet, Inc.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
the attorney general has this and is submitting it to the nelnet party to try to resolve they suggested you may be interested, the owning company nelnet took XXXX out of my social security check, i knew nothing about it, al lof a sudden i could not pay rent. i get XXXXsocial security iamXXXX years old, XXXX of that is for rent. so after rent is paid i have XXXXleft for the entire month since that took place i dont even have that now.everything has to go to pay rent to make up for the XXXX loss. i want that money returned so i can give it to landlord. this happened on XX/XX/2019 it concerns a student loan fromXX/XX/XXXX, a  company called XXXX  XXXX XXXX  called me a year or so ago and worked it out so loan would be forgiven o rso they told me however nelnet still has that loan on there books about XXXX i went to school at XXXX college in XXXX wa to try and learn XXXX XXXX so i could get a good job, however i could not pass XXXX  so i was not allowed to continue. so i only went 1 semester.i learned later that due to my age and some XXXX factors i would not get hired had i completed the course.i think XXXX college should have refused me in the beginning, as they knew my situation. i still would like to pursue that education as that is a hot topic in the coming years, buti guess i cant. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I haven't had an account with XXXX XXXX XXXX for close to 10 years. This collection has to be an error. I never had a four-digit access code which is what XXXX. XXXX requires I input XXXX when I try to call them to tell them this isn't my account that they gave to ERC to collect on. ERC says they can't talk to me about the debt because XXXX recalled it. So no one will help me get this invalid collection removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter was sent advising company that this is NOT my debt and requesting VALIDATION before any further attempts to collect.

I owe NO amount to National credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: DE
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:
The information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. Wells Fargo was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

Sincerely 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 2018-03-20
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attempted MANY times to lower my monthly payments for my Navient loans with no help from Navient. They have given me no options to help me be able to even touch paying off my student loans. I spoke to someone at Federal Student Aid who recommended I apply for the IDR PAYE program for my XXXX and XXXX loans, which would help me begin to start paying off my loans one at a time. I recently enrolled all of my student loans into the Income-Driven Repayment plan through the PAYE (  Pay As You Earn ) program. However, the first month enrolled worked properly for my Navient loans, but now they have been cancelled!!! I'm trying to pay off my loans, but no help is being given on Navient 's end. Whereas, my loans with XXXX and XXXX have been very helpful in honoring my IDR / PAYE plans I recently enrolled in with absolutely no issues. Navient has completely neglected this Federal program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im In the process of repairing my credit and this company has been pursuing me to pay a debt. Which, I have no contract with them, not to mention they have accurately responded to my request for validation.This company is in violation and not license to collect in the state of Florida.Ive previously brought this to the attention of Credit Reporting Agencies as well, Ive even recently filed a complaint with  the XXXX  and attorney general. in which, they company lied stating they have resolved my concern. However, I havent heard from anyone plus their in violation. Im requesting for this company to remove this item from my credit.

Company response to consumer: Closed with explanation