BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NE
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:
In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, Credit Acceptance corporation recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both XXXX and XXXX  have the account listed as delinquent with a significant balance. We are showing three years behind. 

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.

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 2018-07-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
IN REGARDS TO ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I HAVE DONE CONTINUIOUS DISPUTES WITH THE BUREAU EQUIFAX AND THEY CONTINUE TO SOME HOW VALIDATE THE INFORMATION WHEN THE OTHER 2 BUREAUS XXXX AND XXXX REMOVED IT DUE TO MY THE FRAUDULENT AND IDENTITIY THEFT TAKING PLACE ON MY CREDIT REPORT. I HAVE NEVER OPENED A LOAN WITH XXXX XXXX XXXX AND DON'T KNOW WHY THEY ARE CONTINUING TO REPORT ON MY CREDIT REPORT BECAUSE NOTHING CAN BE VALIDATED NOR VERIFIED. AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( EQUIFAX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: NC
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 recently discovered a large amount of fraudulent information on my credit report. Private information of mine was obtained I recent and past worldwide date breaches and my identity was stolen and used to open fraudulent accounts. Please remove this fraudulent information.

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 2018-07-31
Company: Premier Student Loan Center
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I got a call from Premier Student Loan Center and I believed it has been a scam. They asked for my social security, my debit card number, as well as various other personal information. I have been scared to give them a a call back, and just want to make sure that I am safe for the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Ameritech Financial
State: FL
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:
: Back on XX/XX/XXXX I received a letter in the mail, looking like it was from the Department of Education Federal Loans Department. It stated they had a new program to help consolidate my student loans with an easy and faster payment plan. I called and was told they would consolidate my loans and have them payed off by XX/XX/XXXX. I would have to make payment of 2 @ {$74.00}, 10 @ {$170.00} and the rest @ XXXX per month with XX/XX/XXXX being my last payment. I filled out the forms and sent everything in and my representative said they would get back to me. The next day I had an approval and they began to take payments direct from my checking account. To this day I have paid {$2200.00}. I have found out the NONE of it has gone towards my loans, they only kept them at a {$0.00} balance due, but interest was still adding up. I WAS SCAMMED! I called both former loan companies and they said that no payment was EVER made by this company. I have been trying to call them, but only get a message saying they will return my call. I have emailed them multiple times with no response. They use XXXX ( XXXX XXXX   XXXX ) for collecting money. They as well will not answer the phone or emails! Now I finally see all the complaints online about this company, but nothing has been done to stop them. I want and deserve a refund!

Company response to consumer: Untimely response
Consumer complaint received 2018-03-10
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX sent a notice requesting XXXX of an alleged debt. 
I responded with a letter of dispute of fraud on XX/XX/XXXX and filed a report with CFPB ( complaint number : XXXX ) XXXX XXXX XXXX responded with copy of default judgment against me from XXXX and request reason for fraud. 
This was the first time I've heard about a judgment against me. Case Number XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: OR
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:
In XX/XX/XXXX as soon as I saw mail showing I was behind my payment to them I called to let the credit card company know that I had to close my bank account and re open another bank account due to some hacking on the account. My payments were set on automated payment deduction that always comes out of this bank account and I needed to reset up the same thing with new bank account. I thought the payment for that month had already made it through and it did not go through as it said it did on line on there website and that is why I missed getting payment in on time. I was only a day or so past due when I called them to explain why the payment was not received and to give them new information on my new bank account and tell them the reason I was late was due to not getting my new bank account information over to them before my payment was to come out. After I told them, they said that as of this day I called in my account was technically past due. The credit card company said they would not show me having a late payment account since I called to let them know and redirect my schedule payment to the new account. Now my credit files say the dispute has been taken care of, but it is still on my credit files saying I was late. I need to have this removed from my files showing I have never been late. I am buying a house and this is damaging my ability to do so. I would have never been late if it had not been for my automatic payment not going through because of the change in accounts. I was told they would not show me late. Also the credit card does not show the years I have had it so my credit looks like I have only had credit for just over a year and it's been almost 3 years. This is what is shown on the Credit bureau 's and it should not show late. Overview You're currently using 98 % of your account 's limit. Balance {$880.00} Credit limit {$900.00} Minimum monthly payment {$45.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) This is not shown on the credit bureau 's facts for scoring. Payment History Youve made 96 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 30-59 Days Late Times 30/60/90 days late 1/0/0

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
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:
After reviewing my credit file I found several accounts I never authorized. I sent a request for proof of documentation the Bureaus must have on file under fcra sec 609, requiring proof of contract bearing signature used to validate ownership. They have refused to provide any documentation on file. The laws are in place to protect the consumer and they are not being followed. I have provided a fraud affidavit also with my dispute. below are the creditors be reported. 


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 non-monetary relief
Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a bank account with Bank of America. I did not lose or gave my debit card to someone else, but somehow, someone else was able to obtain information on my debit card, including the pin and chip. This resulted in numerous fraudulent transactions/ ATM withdrawals that occurred between XX/XX/XXXX through XX/XX/XXXX. Below is the list of transactions : 1. {$100.00} ( XX/XX/XXXX ) 2. {$800.00} ( XX/XX/XXXX ) 3. {$380.00} ( XX/XX/XXXX ) 4. {$200.00} ( XX/XX/XXXX ) 5. {$600.00} ( XX/XX/XXXX ) 6. {$600.00} ( XX/XX/XXXX ) 7. {$1900.00} ( XX/XX/XXXX) 8. {$2.00} ( XX/XX/XXXX ) 9. {$640.00} ( XX/XX/XXXX ) I have filed a claim, made a fraud claim statement, and faxed a letter to the fraud claim department, requesting them to investigate these transactions and take a look at the camera surveillance. However, these sincere efforts did not result in the outcome desired as they were all denied. The reasoning provided by the bank fraud department was that the suspect had the pin and the chip and debit cards can not be duplicated and as such, they are unwilling to provide me with the refund.

I rarely make ATM withdrawals and if I were to plan on making such huge amount of withdrawals, I would go to the bank and withdraw it from a bank teller in one transaction rather than making multiple transactions. I put the maximum withdraw at the atm ( {$500.00} ). The fact that withdrawals are allowed to exceed this amount shows the lack of security from the side of Bank of America to allow the transactions to go through.

I am still persistent that I have no play in these transactions and that they are fraudulent and that Bank of America should look at the camera surveillance to verify that I was not the one making the transaction. As such, I am writing in hopes that I can have my tuition money back.

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 2019-02-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Have paid off principle balance but payoff balance continues to increase. Most recent statement shows " total balance '' owed as slightly over 300.00. However, payoff is over 640.00. Company states it is due to fees but then why are those fees not listed/included on the statement? Made payment of XXXX in XXXX and payoff amount increased for XXXX with no principle balance due?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is the result of the negligence committed by Ford Motor Credit.  I have the following account with them : account # XXXX, opened date : XX/XX/XXXX, original balance : {$16000.00}. 

I have tried multiple times to fix this issue with them, but they have refused to provide me a fair solution. 

Back on XX/XX/XXXX there was an issue with Fords online system, they mistakenly had 2 online accounts for me, and this made a problem for them to process online payments.his ended up in a late payment reported on XX/XX/XXXX on my report. They are being unfair and negligent. Since this was a bank error, they shoulnt report the payment as " late ''. 

All I am asking for is a fair solution to this issue, that has become worst with the time. 
I have always been on time with my payments, and by XX/XX/XXXX, it was not the exception. 

My demand is to get this late payment removed from my report. 

Tnak you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX called me to collect payment for a debt. Because it was a phone call from a company I had not received notice of collection for, and because my cell phone was dying at the time I received the call, I indicated I would take care of the payment and got off the phone. I did not receive from XXXX XXXX XXXX any other contact attempts, nor did I receive notice in writing from this company regarding the debt they were trying to collect. I also, did not receive notice regarding the ability to dispute, I believe I am supposed to receive notice in writing of the attempt to collect a debt prior to it being reported to a credit reporting bureau. Because I did not receive proper notification, nor did I have the proper amount of time to respond, I have requested the collection record be removed from my credit reporting. The agency refused to remove the improper collection attempt from my credit report and their response was that they called me and expected me to pay over the phone to a company I had never spoken to using my credit card, which to anybody would seem like a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have two types of loans : federal direct subsidized and federal direct un-subsidized. I have worked as a XXXX  for a PSLF-qualifying employer since XX/XX/XXXX. I submitted by PSLF employment certification form in XX/XX/XXXX, and my loans were transferred thereafter to XXXX. Since the transfer I have had nothing but horrendous problems with XXXX. 
In XX/XX/XXXX I received my PSLF certification from XXXX and it stated that I had made 18 qualifying payments since starting my work in XX/XX/XXXX ( accurate ), but those payments were only being applied to my subsidized loan and not my un-subsidized loan ( which is considerably larger ), even though I had been making monthly payments which were applied to both of those loans. I followed up with XXXX and was told that they would submit my loans for review, and that the review should take approximately 60 days. 
XX/XX/XXXX, I called XXXX about a different issue, and as part of that conversation I was told that the qualifying payments should be updated but that it is still under review. 
On XX/XX/XXXX, I called XXXX again and was told that someone is working on the qualifying payments issue. 
By XX/XX/XXXX I was preparing to submit my re-certification and I still had not heard anything about my qualifying payments. I prepared my certification form and submitted. On XX/XX/XXXX I called XXXX again and was told that the review of my loans and the qualifying payments would be expedited. 
On XX/XX/XXXX I received my bill for my upcoming XX/XX/XXXX payment, and the bill lists the number of qualifying payments I have made to PSLF : it lists 25 payments towards the subsidized loan ( accurate ) and only 5 payments to the un-subsidized loans. I immediately called XXXX and spoke with two people before finally getting the supervisor. She said that there was no way to expedite further when it had already been expedited and that I just have to wait. 

Both loans are federal direct loans. Both loans are qualifying loans. My government position is a qualifying position. I have been on a qualifying repayment plan since I started work at my government position. I have been making complete, on-time payments since my loans were disbursed following law school. I am furious at the complete and utter incompetence I have experienced with XXXX and, frankly, wish my loans could be monitored by my prior servicer ( XXXX ) because I always had good experiences with them. 

I am applying for a mortgage and I want to be able to show my mortgage broker the PSLF payment certification and there is nothing MyFedLoan will do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi I filed for bankruptcy XX/XX/XXXX due to my mother passing, me losing a baby, and then I ultimately lost my job on XX/XX/XXXX. With me losing my job, my bankruptcy case was dismissed because I had trouble catching up with the payments. My case was dismissed XX/XX/XXXX and Wells Fargo had already given me a sale date. I was not given enough time to go through probate and assume the loan. Could you please help?

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 2019-02-01
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Creditor listed is : Douglass Chancellor Meyer XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX Re : XXXX XXXX Debt Stated {$380.00} Tried on multiple occasions to contact collections agency by phone ( XXXX ) XXXX based on number outlined on credit report. The system states it is unable to verify with last four digits of my SSN, and does not connect to a person ever. 

I have also disputed with Credit unions, but no verification of debt was provided to me. They simply returned a finding of valid debt to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: United Collection Bureau, Inc.
State: NH
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 call from United Collections Bureau. They stated I had a debt in collections. They asked to verify my DOB, SSN, and mailing address. I refused until they told me who my debt was to. They stated they could not give me that information until I gave them my personal information. I told the woman that the only debt I had was my mortgage and it was up to date. She asked me for my SSN again. Again, I refused to give them my information and the woman hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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:
Experian is allowing a law breaking debt collector to report on a debt that has exceeded the statute of limitations for reporting. I provided PDF document proof of the violation and they chose to ignore it because the debt collector refused to comply. Experian is willfully breaking CFPB statute of limitations provisions.

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 2017-12-07
Company: SYNCHRONY FINANCIAL
State: DE
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, I have been writing and sending certified letters to XXXX XXXX in regards to a care credit credit card ; the company is claiming there is an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX, 2017. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. 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