BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2018-09-01
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
Many times overdue that is actually stated on my credit report does seem inaccurate and or confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian on credit report # XXXX dated XX/XX/19 & Credit report # XXXX XX/XX/19 shows XXXX XXXX XXXX on both reports and paying on time and not late. Report # XXXX dated XX/XX/19 does not show XXXX XXXX XXXX on the report as it should. XXXX XXXX XXXX should show closed and paid off. XXXX XXXX XXXX has updated to all Credit Bureaus as a {$0.00} balance Experian has deleted an account that was paid off and should not have deleted the account in good standing as for other credit accounts the same thing does not appear and have filed on accounts open and Experian deletes them. I have also reported this to the creditors. Experian takes months to update accounts creditors are reporting 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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I wrote a letter addressed to the Bureaus to have these accounts removed from my credit because they are fraudulent. Ive made several phone calls and they still have not removed the accounts from my report. Please assist me with removing these fraudulent accounts from my report. I have already submitted to them that I was a victim of identity theft and i provide the identity theft report and these items are still on my report. Please assist me.

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 2019-05-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company : Collectioncenter, INC XXXX WY, The collections company refuses to send me a written payment agreement. I offered to pay the debt in full, with one lump sum, but they refuse to send me an agreement letter with the full amount. 

I think this company is trying to scam people with medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America has stated that they had automatic payments from my account. During XX/XX/2018 I made a XXXX dollar payment and Bank of America made a payment of {$100.00} dollars through automatic payments from a closed account that has been closed for more than a year. The XXXX dollar payment at the branch was processed but they gave me a 2 fees. The first one was late because they claim their " automatic payment '' that their system processed was late. And the second fee they slapped my account with was a " returned check fee ''. I called today XX/XX/2018, and the representative claims I have always had recurring payments from my account, which I dont recall since I normally call ahead of time to make sure the account is in good standing. But they processed and invalid payment from an account that has been closed and not used for more than a year. Because Bank of America has processed my payments from my checking account ending in XXXX from XXXX. I am struggling to pay my college debt and can not afford these fees.

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 2018-09-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Always XXXX with XXXX XXXX is rude and ignoring my investigae. Yes XXXX with this back XXXX XXXX XXXX like me. 3 years ago put negative late payment right now this same problem why. XXXX bank like put negative for XXXX hard works people like me. XXXX No call me not recive leater why. Banksters like denied credit like me becouse am 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 2018-06-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The purpose of this letter is to file a complaint against Wells Fargo Bank for an unfair, abusive and deceptive act and practice associated with the up charging of rate lock loan discount fees from the time it was disclosed on the initial loan estimate to the time I received my closing disclosure. There was no additional credit risk taken by the lender at closing and certainly no reason to charge me a higher discount fee. 

My understanding of an interest rate lock is that the interest rate and loan fees or discount fees are locked for a period of time ( 60 days in this case ) based on the loan amount and type of transaction requested. 

I will attached a more detailed letter of explanation when prompted.

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 2018-09-01
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
GM Financial is keeping {$860.00} of my money, which the dealer sent to them in error, even though I paid the loan in full and they've sent me the letter saying so. They have approved the payment on XXXX XX/XX/2018 however failed to generate my check. They are using my money since XX/XX/2018.. They keep telling me that the check will be mailed ... Almost 2 months, no check ... I need help!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Last week I began the process of placing a credit freeze on my Equifax credit reporting given the huge breech of data that was reported. I attempted at that time to place a freeze, and was given the message to log back in today, X/XX/17 to finish placing the freeze ( not sure why this is a time delayed, two step process ). I attempted to do so today but was met with an error message, stating that the security freeze could not be put in place online at this time. I then attempted to access their customer service center to ask for assistance, and the online customer service center also produced an error, and did not redirect or feature any other options. Given the severity of this breech, I 'm astonished that their online presence is incapable of putting in place a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dropped a class from XXXX university within the allotted time. They still charged me for the class. They then referred me to their collection agency which never wrote or contacted me. They just put it on my report. When i called them they had the incorrect information. But they stilled kept it on my report and are reporting as reported correctly. I disputed electronically with the bureau but they came back that said it is the correct debt. This is a false debt that is reporting on my credit report

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 2018-09-01
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: Account information incorrect

Complaint:
On XX/XX/2018 I received an updated credit report from Experian and XXXX and noticed XXXX XXXX is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a XXXX XXXX representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that 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 explanation
Consumer complaint received 2020-10-13
Company: Synovus Bank
State: TN
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:
Someone had an account with XXXX XXXX so when I found out I called them to let them know and to close the account. Now every once in a while I recieve another random inquiry from capital bank so I had to dispute and lock my credit report. However, even though I told them this wasnt my account when I called to have it closed. They are still reporting a balance on a CLOSED AND INCORRECT ACCOUNT It had been over 120 days and I have been constantly sending letters with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest Recovery Systems have placed a collection on my credit report for a payday loan I have never applied or received. I have made many attempts to contact the company, but all I can never get a person on the phone. I have disputed this account with the credit bureaus, requesting validation of the debt and that too goes nowhere. The bureaus say that the account is mine, but I have yet to receive validation of this account. Never have I had a payday loan with XXXX or any other company. This account is not mine and Midwest Recovery Systems can not validate this account as being mine. They wont remove this from my credit. This account is fraudulent and the company appears to be fraudulent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Problem with personal statement of dispute

Complaint:
I reported boa and XXXX XXXX wrongdoing the business with customers and the answer I got totally wrong.

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 2018-09-01
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls repeatedly and never leaves a message. 

When I called back, they refused to identify whom they are collecting for or what I supposedly owe. They are rude, threaten legal action, credit destruction and wage garnishment. When I said Im on Social Security, they told me it didnt matter. 

Any outstanding debt I had has been dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient XX/XX/XXXX compliant is I have previous set up a payment plan with Navient. From XX/XX/XXXX. to XX/XX/XXXX this will end. I have paid on time every month. But they are still continuously calling me daily and even on weekends. They sent me an XXXX letter stating I am default and I need to take action soon. I decided to call them and spoke with a representative, she said the representative who set up my payment plan should have never done that. I was never notified about that issue. All I know is that my payment was being deducted from my account every month. Today I spoke with another representative she set a plan that is suffice. ( Forbearance Plan ). 
I was inconvenience for something that wasn't my fought.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: The Receivable Management Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the XXXX devices.

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 2017-11-08
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:
I have sent multiple credit disputes to XXXX XXXX, Equifax, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2018 {$1500.00} Ability Recovery Services deleted the information and put it back up on my report again.

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 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
on XX/XX/XXXX i used my card to withdraw XXXX dollars in a XXXX XXXX store in XXXX  ca. when i got home i checked my account as i usually do because im on a fixed budget.i noticed my account had went from XXXX to XXXX i reached out to bank of america about this on the same day within an hour of this happening. the charge happened in XXXX XXXX wich is a distance away from me i only have 1 card there is no way humanly possible for me to have done this as im being accused. i called and emailed boa numerous times and got lied to and handed off to another person each time.and still to this verry day i cant get no answers to whats to be done i am at a huge loss here i live off those benefits i have no other means of money and to lose this much has killed me .i did all i was supposed to do in a verry timely manner and i sit in limbo with everything already been delt with they ( boa ) states the investigations over but still no answers.and i can not get my money back. whos the victim here i was under the impression a zero liability for out of my control purchases i feel like i was discriminated against because its a government card that it makes me a lower tiered pupil. its really sad how this is being handled i need to pay bills and eat and i cant do that.

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