BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit scores with three major credit reporting agencies and noticed a collection account from National Credit Adjusters on behalf of a credit card company named " XXXX '' in the amount of {$870.00}. I contacted the collection company, which has never supplied any verification or proof and who continues to be indifferent to the fact I never had or applied for such a card. I have submitted a formal complaint to the Attorney General of Kansas about this collection company as they are located in XXXX, Kansas, as well. Being penalized for something I did not do is of course, unethical and causes me time wasted and blemishes my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a hard inquiry done on my credit for a Government Small Business Loan of which I never applied for US SM BUS ADMIN ODA made a Business Loan Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months.

Source : Experian Company : US SM BUS ADMIN ODA Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( 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 2018-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is against Experian credit reporting agency. 
This complaint is in reference to Experian Report number XXXX Experian Report date : XX/XX/XXXX Experian has posted a negative comment/item on my credit report since XXXX, concerning the merchant XXXX XXXX. 

The negative comment related to an unpaid account balance of approximately {$15.00} plus late fee. 

XXXX XXXX has investigated and concluded that it was their mistake. XXXX 's has issued a letter to me acknowledging their mistake and an apology. 

This information was forwarded to Experian in XXXX. After months of inaction and white wash from Experian, today the negative comment still remains in my credit report. 

Experian has consistently failed to properly investigate and ascertain the correctness of a negative report before they post it to a consumers credit report. Furthermore, after Experian was repeatedly told of the incorrectness of the posting and in the face of the merchant 's admission to such an error on their part, Experian has failed to take action. 

Experian, by their inaction to correct an obvious error, as shown by evidence and fact, has damaged my credit rating.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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 2018-07-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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 been denied a credit because of in accurate information on my file with XXXX XXXX XXXX   agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called XXXX again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: WELLS FARGO & COMPANY
State: MA
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 been denied a credit because of in accurate information on my file with XXXX XXXX XXXX   agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called XXXX again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2019-11-17
Company: STATE FARM BANK, FSB
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON XX/XX/2012 AND XX/XX/2012 WE APPLIED FOR A MORTGAGE WITH STATEFARM BANK-NMLS VIA XXXX. SEE ATTACHED. WE WERE DENIED BECAUSE OF XXXX SUPRESSING OUR CREDIT FILES..AND NEVER GOT LETTERS OF ADVERSE ACTIONS FROM ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account # XXXX I had a loan with Fed loan. The loan amount was taken out of my taxes years ago but it still remains on my credit report. Please remove ASAP. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: MI
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 never been late on any accounts. i have set up auto pay since the beginning of the lease. XXXX XXXX was completely not reporting the month of XX/XX/XXXX, marked XX/XX/XXXX, XX/XX/XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XX/XX/XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amerifinancial Solutions ( Original Creditor WakeMed Physicians ) I've tried to call XXXX XXXX XXXX for the first year I received the debt. They billed it incorrectly despite me telling them at the hospital that XXXX XXXX XXXX XXXX was my primary insurance. Instead they billed Medicare has primary instead of secondary. I attempted to call numerous times to resolve but could never get through. Once I found it on my credit, I called Amerifinancial 3 times, each hold time was over 23 minutes. They said they would resubmit to XXXX XXXX but its still on my credit. 

Finally I tried to dispute it with XXXX, XXXX and XXXX   providing a copy of both insurance cards to prove that I don't owe the debt, that I have insurance that covers it 100 %, that I attempted to resolve with the original creditor and collection agency and for them take it off my credit. XXXX stated that the dispute was resolve within 2 days and that I owe the debt. Not sure how they were able to verify and come to this conclusion with the insurance cards in that short amount of time. They didn't even have time to send to the creditor to submit correctly to the insurance company. 

I have a XXXX XXXX XXXX with XXXX XXXX XXXX. It is very hard for me to keep calling and sending messages for a debt that I don't owe. This has been going on for over a year and a half. All they have to do is submit the bill to the insurance company and they will pay. I've already contacted both insurance companies and they were the ones who stated that XXXX XXXX submitted incorrectly and that's why they rejected the claim.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This involves a fraudulently opened Best Buy Citibank card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent " BBY/CBNA '' account on my credit report. Upon researching the account, I learned this was a Best Buy Citibank account someone in Georgia had fraudulently opened in XX/XX/XXXX using my identity. In early XX/XX/XXXX, I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with Citibank 's customer service, I filed disputes with all three Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit, XXXX and XXXX removed the item from my credit report. Today, on XX/XX/XXXX, I learned the item still appears on my XXXX credit report, causing my credit score to be 150+ points lower on XXXX than on the other two. I called XXXX and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient. I am uncertain as to whether XXXX never deleted this item after the XXXX dispute process, or whether Citibank attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.

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 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX i made a {$2500.00} payment from my bank of America checking to my Bank of America mortgage. it was an electronic payment that went through and the {$2500.00} was deducted from my checking account ( confirmation # XXXX ). Two weeks later i receive a notice in the mail that my mortgage payment is late. The funds were never applied to my mortgage. After trying for hours and then days to reach anyone that could help me, i decided i should go ahead and make a second payment so that i was no longer showing late. I made that payment from my savings account ( confirmation # XXXX ). It is now XX/XX/XXXX and i can not even get anyone to respond to my questions. I made an appointment at a local branch. They told me they can not get through to their mortgage department either. I had a " We Can Deliver '' submitted, over a week ago and no one has responded, and i have held for hours and finally connected with customer service only to have them tell me that they can not see how to fix the problem even though they all acknowledge the money appears to be gone. After three weeks, i need help. This is {$2500.00} that I am out and they have not even offered to credit my account 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 2017-08-01
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: Account information incorrect

Complaint:
My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for 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 non-monetary relief
Consumer complaint received 2020-08-27
Company: ALLY FINANCIAL INC.
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: Account status incorrect

Complaint:
I received a payoff letter for my auto loan with Ally Financial. A few months later, Ally re-opened my account without my knowledge for a balance of {$15.00} in interest after they incorrectly applied my payment to a different account. This sent my account into charge-off status which is now heavily affecting my credit scores. I was able to dispute with XXXX and XXXX and have it removed by providing a copy of the original payoff letter, but when disputing with XXXX, it was not removed because Ally reported to XXXX during the dispute that the account was accurate. This is incorrect, as Ally made an error and this needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I was contacted today by XXXX claiming to be XXXX Fraud Dept. they stated someone was trying to charge my discover card and wanted to authorize I was doing this under the name XXXX XXXX. And that is not my name. They then proceeded to rattle of my address, my social security number and they provided me with not only the entire discover card number but also the visa XXXX XXXX credit card number. Now neither of these are my credit cards specifically I am just an authorized user on them. My social security number was never given to either of these credit card companies when making me an authorized user so I am not sure how they have my birthdate, social security number etc please note I did not deny nor confirm the data they stated.. but nonetheless it was correct.. They then proceeded to ask me for my FICO score which I wouldnt give them, they asked if I wanted 0 % interest rate on my other credit cards which I specifically told them NO, and I would not provide them with my other credit card numbers or who they were from. 

My big concern is that whomever these people are have my correct social security number birthday and address. Please help me. I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started working on my credit this year so i pulled my report and there was a collection account from Receivable Management Comp on my report. Ive sent in numerous letters for validation of this debt and have yet to receive a response. The debt owe is {$88.00}. I recently checked my Secretary of State website for the state of live in and this collection agency is NOT licensed to collect by law. This account needs to be deleted and removed from my report to report accurately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BSI Financial Holdings, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial Services failed to disburse payments from our escrow account and we received a delinquent tax notice stating our real estate taxes hadn't been paid. Upon further investigation it appears that BSI did not disburse payments for taxes. I called BSI this morning ( XX/XX/XXXX ) and after they tried to blame me for the funds not being disbursed, I finally got them to admit fault and submit the payment. I asked for something in writing saying that they failed to disburse the funds on time and that we made all payments to BSI on time so that I could use that to make a dispute with the credit bureaus if this ends up on our credit report. They refused and said there was nothing that they could provide. They did say that they were going to make the tax payment right away but I haven't received confirmation stating that they have been paid yet. 

Specific dates : XX/XX/XXXX : We closed on our home through XXXX XXXX, XXXX. 
XX/XX/XXXX : We received a notice from XXXX XXXX stating that our mortgage had been sold to XXXX XXXX from XXXX XXXX, XXXX effective XX/XX/XXXX. 
XX/XX/XXXX : We received a letter from BSI with information for our payment options stating that our payment was due on XX/XX/XXXX. 
We mailed a check for that payment on XX/XX/XXXX. 
We set up automatic withdraw for future payments and received a notice saying they had successfully been set up on XX/XX/XXXX with the first payment date being XX/XX/XXXX. We made the XXXX Payment online and the XXXX payment was drafted on the 1st as promised. all payments have been paid on time. The payments show they are collecting for Principal, Interest, Taxes, and Insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: SYNCHRONY FINANCIAL
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/20 was declined for a minimal amount of credit approval by Synchrony Bank. They listed several reasons all related to my wife of over 40 years. Synchrony has not disclosed the credit reporting agency used which would allow me the opportunity to request and review the report. 
Synchrony has also not fully answered my questions regarding the individual items listed for the rejection. 
To my knowledge, our credit has been exceptional for those XXXX years.

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 2018-02-20
Company: Account Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted account recovery services to pay a medical bill that had gone into collections. When I asked to pay the debt in full, I received a nasty response by XXXX XXXX. Instead of taking the payment and giving me a reference number she was very confrontational and would talk above me. I gave her my debit card information and asked when this modification would be revised on my credit report. She told me it would not change anything. I confronted her about her rudeness only to be told she had something I would never have, " a good credit report. '' This transaction took place on or around XX/XX/17 and have a bank statement as well as a recorded conversation when her behavior became escalative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation