BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan Servicing made an error in processing my application for Public Service Loan Forgiveness. I have more than the total 120 qualifying payments made while working for a qualifying employer. I submitted a form in XX/XX/XXXX verifying my employment, with the same employer since XXXX until present. The form was processed, but the processor marked all payments made during the XXXX  year ( XXXX payments ) as still needing employment verification, even though the prior and more recent payments were all accepted as qualifying and verified. I called FedLoan Services to try to resolve the issue, and sat on hold for nearly two hours just waiting to talk to a representative. Then, the representative said she didn't want to spend half an hour going through all of my paperwork and she would submit the issue for review. They could not provide information on when I would receive a response or the time frame for review and were not willing to correct the issue at the moment. I asked to speak with a supervisor and was told I'd have to wait at least another XXXX hour or XXXX minutes and they wouldn't do anything to help me anyway. I am very frustrated, as it took XXXX  months ( XXXX - XX/XX/XXXX ) to review my application for PSLF and provide a response in the first place, and now I have to go back to sitting in line for an undetermined length of time in order for them to resolve an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: ATG Credit, LLC
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:
XXXX is at XXXX violations for me XXXX XXXX violation providing me with a description of what was done to me which results in hipaa violation incorrect name on bill they submited to me not correctly spelled and not labeled as medical collection account which is supposed to be on there not XXXX  XXXX XXXX  which is not considered properly marked XXXX violations in total

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX XXXX is reporting a debt of {$140.00} on my credit that was paid and they told me that it 's not on my credit and it still is and Equifax is not responding to my request to delete. This account is from XXXX and paid in full. XXXX XXXX for {$530.00} I sent a dispute letter to XXXX XXXX and they responded that they do not have an account in my name. I do n't know why Equifax is not removing this debt as it does not belongs to me. Today there was a new account placed on my Equifax report from XXXX XXXX XXXX, this is not my debt and I demand to have this account removed from my records. From what I saw on the report this debt is from XXXX why are people allowed to put things on the wrong person credit profile and then we have to fight to get it off. This is wrong to place negative remarks on the wrong person credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: ACIMA CREDIT, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: AL
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:
This is my XXXX endeavor to tell the credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So my husband gets a text claiming to be XXXX security and that {$850.00} would be charged. SO I called the # attached to the text and the guy on the other end gave me a badge # and his name saying my account was compromised and we had to do dummy transactions to block the scammer. So he had me download an app called " any desk '' so he could see my accounts remotely. He was a good talker. So the first XXXX transactions failed through XXXX, so I figured ok maybe he was helping me. So there were XXXX different zelle recipients and then XXXX different amounts transferred those didn't fail. I then became extremely upset at the guy. XXXX amount came from my personal account {$1900.00} transferred to my cash app account which then was transferred to some woman 's name, the other transactions came from my business account. Totaling $ XXXXBank Of America will not reimburse me. I have filed XXXX claims with them, police report, XXXX XXXX complaint. The resolution I'd like to happen would be to get my $ back. We have a small business and that was alot to have taken, especially these days. I am planning to call the news channels also. I've been w Bank of America for XXXX.there 's no reason to withhold someones money. 
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 2017-08-18
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Below is a response I sent to, Convergent Outsourcing, on a false debt they called me about today for XXXX XXXX XXXX, which, I have never owned and have disputed this debt with XXXX XXXXXXXX XXXX since they first sent this account to a collection company over 7 years ago. 
XXXX To whom it may concern, The debt you are calling about as I explained to your agent, XXXX XXXX, today, XXXX/XXXX/XXXX, per my phone call to your number of, XXXX, has never been my debt, is not my debt and has been disputed for over 7 years! Your company is the fourth or fifth collection company that has bought a portfolio with this false account in it and I am giving you formal notice to Cease and Desist any and all collection activities to this matter with your company. If you continue to harass me with this false debt through calls to XXXX, through mailings to my home or falsely reporting it to any and all credit agencies I will pursue you with any and all legal recourse available to me. 

I have just reported your company to the CFPB with a formal complaint filed about your harassing calls and to the false file your are harassing me about. 

Good day, XXXX XXXX XXXX XXXX _____________________________________________________________________ I am tried of Convergent Outsourcings harassing calls for a debt I HAVE NEVER OWED. As in the letter I stated above, they have called my home repeatedly, when I answer, they either hang-up or it goes into a que that keeps repeating the same message with no answer. That is why I called them to end this harassment and matter. 

Your help with this matter is greatly appreciated. 

Respectfully, 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 2023-07-27
Company: EQUIFAX, INC.
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My grandmother died XX/XX/XXXX. I was the beneficiary on two of her accounts. We did this in XXXX prior to the XXXX merger to PNC, and verified I was listed as the sole beneficiary on her accounts in XX/XX/XXXX after the merger. It took a while to get her death certificate, but when received I went into the PNC Branch to close her accounts. To my surprise, after several trips between XX/XX/XXXX, XXXX, and several days between then and now I learned that the bank put a hold on one of her accounts until XX/XX/XXXX, and also had my deceased uncle as a beneficiary even though he died and was removed before XXXX... The other account was listed with no beneficiary. I provided paperwork to show me as beneficiary on the original account since the bank didn't provide anything when they converted, but they refused to acknowledge the pre-conversion paperwork, and directed me to Social Security and Treasury to remove the hold. I spoke with both and neither reported anything to the bank, they did it on their own, as well as sending back 3 Social Security payments from before she died. I have been back and forth to the branch and their customer service line with no real help on removing a multi-month hold from my deceased grandmother 's account, or any attempt at finding original beneficiary designation pre-conversion. At one point I made some headway with customer service, but then got disconnected when attempting to transfer to an appropriate person. Called back immediately and was refused to be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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:
I had once reported this issue involving Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted to all credit bureaus. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) .These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 


Credit bureaus ' response but never about what they should follow per the FCRA : XXXX. You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l ( such as the original agreement ), please contact your creditors directly. 
XXXX. You may contact the Consumer Financial Protection Bureau or your State Attorney General 's office about your issue or complaint against Equifax or l the company reporting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today ( XX/XX/XXXX ) I awoke to having a negative XXXX  Checking Balance. This was because SunTrust now Truist took my full monthly mortgage payment from my account, {$3500.00}. 

I was under the impression, which it said in their online poortal, that I would not owe anything until XXXX. 

Last month, XXXX XXXX, I accidentally double-paid my mortgage, two full monthly mortgage payments of {$3500.00}. I tried to recoup one of these two payments via countless phone calls, emails ( XXXX ), and tweets with SunTrust but was unsuccessful.

Now, they drew a mortgage payment that did not need to be made until 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 2022-02-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account from XXXX that is appearing under my name with the credit reporting agencies. I was advised by XXXX that this account was to be removed from my credit files. So far, XXXX has deleted the account. It is still on Equifax and XXXX and needs to be removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Was not notified of investigation status or results

Complaint:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2018-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Unfair and deceptive practices Was sold a car that was mechanically unsafe due to prior accident. Car title may have been washed. Have emails stating car is 100 ok and warranty sold would cover eveything. Credit Acceptance Corp has verified this to be the case but is still stating Im responsible. Car also sold 2200 above book value with a 23 percent interest rate. Loan cimpany attempting to reach out to dealer to resolve complaint but because dealer wont respond they said is my problem. Loan date XX/XX/XXXX Email to dealer XX/XX/XXXX about mechanical issues, Diagnostic done by XXXX XX/XX/XXXXand XX/XX/XXXX, warranty company denied claim XX/XX/XXXX stating cars mechanical issues pre exsisting and known at time of sale. Several emails sent to finance company and requesting status of investigation but no response. Call several times for status no response. Car sale from XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX is Credit Acceptance Corporation in XXXX. I live in Florida Emailed complait to National Division of Motor vehicles, emailed complaint to Florida and Michican attorney General And now you Division of banks. 

Need help here pleade. Are several complaints on finance company deceptive practices but no resolve

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 2021-08-23
Company: EQUIFAX, INC.
State: NJ
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 Credit Bureaus known as Equifax, XXXX, and XXXX  are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore Equifax, XXXX, and XXXX  are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' needs to be removed from my credit report immediately. 

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: T.S. Holdings
State: TN
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 lived at XXXX XXXX at XXXX  XXXX from XXXX. I was originally on a XXXX year lease and once my lease was up I was paying month to month and no longer under contract. I put in a XXXX day notice with the company advising them that I was in the process of buying a home  and would be moving out at the end of XX/XX/2018. I closed on my home XX/XX/2018 and moved out of the apartment a couple days letter. I am not sure why the apartments are saying I owe them as my notice was put in properly. The apartments have also been sold to a new company since I moved away which should have cancelled out any prior obligations. My problem is that I never received any communication or notices from XXXX XXXX regarding this alleged debt. They allowed IQ data International, a debt collector to take over this and report this information to the credit bureaus unlawfully. The collection company is also charging and reporting interest and fees on my credit report when I have no contract or obligation with them at all. I am asking that this debt be removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Financial Credit Service, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
ARA Inc. contacted me by phone on XXXX. I was on vacation with my family so said I would contact them when I returned home. Upon arriving at home on XXXX I found letter dated XXXX/XXXX/XXXX. I called again and talked with XXXX XXXX. She told me they had contacted my ex-wife and my credit union which I checked later and found they were all lies. They refused to provide me with any documents showing I had taken this loan out. They were referring to a loan with XXXX XXXX supposedly taken out by me 20 years. This was reported 20 years ago as identify theft with a letter from the person that took out the account. They said I owed {$25000.00} and with interest and penalty it was over {$65000.00}. They would settle for {$7000.00} + and after later talking offered to settle today for {$6000.00} +. If I did n't they would take me to court for collection of the full amount. I told them to go ahead and I contacted my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax, XXXX and XXXX, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus Equifax, XXXX and XXXX, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!

Company response to consumer: Closed with explanation