BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: Resurgent Capital Services L.P.
State: MD
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:
The company ( LVNV/Resurgent ) accepted a financial settlement with XXXX XXXX XXXX on XX/XX/2020, but continue to report a negative credit balance to the credit agencies even though they have been receiving {$61.00} since XX/XX/2020. This is elderly abuse in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Disputed final bill amount with XXXX XXXX, for a service activated in XXXX 2015 and cancelled at the end of XXXX 2015 for not providing the services that were promised. This was simply 'bait and switch ' tactic!! 
Contacted XXXX on social media to settle the account. Also sent email to technician that set up the account. XXXX sent a general response but no follow up. 
Supplied evidence to XXXX collection agency on XXXX XXXX with email/ complaint on social media etc. advising them the account was in dispute. 
Supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. That was rejected. 
This is unfair and I should not be penalized for services not provided. I am still willing to resolve this matter. I will not pay for the services not provided to me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
On Tuesday XX/XX/2022 I called into Experian regarding a bankruptcy listed on my credit profile. I inquired about any background information surrounding the account in question. The person I spoke with asked if I wanted to submit a dispute over the phone. I replied no and that I would call the court listed and try to gather more information. Not too long after we got off the phone, I received an alert from Experian stating that a dispute had been opened. I did not authorize this dispute via phone call. I immediately called back and explained the situation. The guy I spoke with said he would cancel the dispute, instead I received another alert stating that the dispute investigation was complete and the account had been verified as accurate. How was this account verified as accurate in a matter of an hour? I have been going through this with Experian for a long time now, and at this point I'm afraid that any further disputes will be labeled as " frivolous ''. Not only is Experian violating my consumer rights to proper reporting, they are also refusing to provide proof and in this case, conduct a proper dispute investigation. I did not authorize a dispute over the phone, nor did Experian conduct a proper investigation. According to the FCRA, proper dispute investigations are done within 30-45 days. This " investigation '' took one hour.

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 2022-08-17
Company: AES/PHEAA
State: VA
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:
I never requested my loans to go into in-school deferment and always paid towards them every month in XXXX : XXXX, respectively. I have XXXX payments in which Fed Loan Servicing has not counted as qualified payments despite my several request.. 

Fed Loan Servicing has already acknowledged by letter that my in -school deferments were removed on XX/XX/XXXX and forbearances were removed XX/XX/XXXX for the periods mentioned ( XXXX ; XXXX ). The in-school deferment was removed due to the School Related Deferment Waiver Form I made at least 39 payments during this time, if not more, and should have these payments moved as qualified payments. I have asked how to make this happen, and was told to request a bill be generated. I have requested for a bill to generated several times for the system to capture these 39 payments on three occassions via phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also called to inquire in XXXX, and have sent notices via the website and have uploaded supporting files. 

I am complaining to the CFPB since Fed Loan Servicing is my student loan servicer, knows of the 39 payments, as well as have sent me a copy of my payments which actually totals more than 39 payments. I am asking that Fed Loan Servicing generate a bill for all payments where my in-school deferment waiver was approved, in which I was told will allow my qualified payment count all 118 payments I made under the PSLF and TEPSLF student loan forgiveness program. My loan should be forgiven or close to with forgiveness with having 118 out of 120 payments discovered as of XX/XX/XXXX. My original PSLF application was submitted in XX/XX/XXXX. I have had and still have a qualified employer job since XX/XX/XXXX up to the present. I have made, at a minimum that has been found to date 118 payments as of XX/XX/XXXX. 

I never requested my loans to go into in-school deferment and always paid towards them every month in XXXX. 

Any months in which a customer had time in a repayment status, regardless of the payments made, loan type, or repayment plan ( as with the Limited PSLF Waiver ), should be counted as qualified payments. 

I would like my count of qualified payments updated immediately, and able to prepay my last two months of payments to secure PSLF and TEPSLF Loan Forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX/XXXX Amsher collections said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company XXXX the amount is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Acknowledge Debt Resolutions
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company is calling people from my family and my ex-husbands new wife threatening they are going to file a judgment against them and myself if they don't cooperate. When I called them, they were very aggressive and disrespectful. I did use foul language when speaking to them out of anger, however I felt abused and threatened by them, they called me a child and that there was nothing I could do because the courts will take care of me and it will be ugly. They said " I'm sorry to have to do this to you in the middle of a pandemic, but we need to collect '' This is an old debt more than 5 years old that was less that {$500.00} dollars that I could not pay because of job loss, which since I have fixed my credit and have an account with the people they are claiming I owe and the account is active and in good standing. This debt they are trying to collect is not on my credit report at all. They are saying I owe {$1700.00} because of interest and fees ( original past due amount was {$500.00} for XXXX  work  I needed. This was a care credit account ). They would not give me the details on why the amount was so high and when I discussed how that could be lowered they said it could not be and they will seize my assets and my husbands assets. They will take me to court and will be reporting to the credit bureau. They said if I let them proceed with the judgment they will now be charging me in excess of {$6000.00} to {$7000.00}. They would not provide their full names or address to me so I could send a Debt validation letter. They kept putting me on hold every time I would try to speak. They would pass the phone back and forth between agents claiming to be the supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My full legal name is XXXX XXXX XXXX. Someone named XXXX XXXX used my social security number to open a credit card with XXXX 's on XX/XX/2018 and made a purchase of {$1200.00}. This was illegal. I don't know this person. I have filed a identify theft report with the Police Department. I have opened a dispute with Bloomingdale 's Fraud Investigation Department. However, the Credit card issuer Bloomingdale 's Fraud Investigation Department XXXX XXXX XXXX, XXXX OH XXXX informed me that I am responsible for the charges on this authorized credit card. I have spent many months to revolve this issue with the issuer. I followed the instruction given to me by their Fraud department. I sent them my police report, proof of identify and Social security card. My social security card and ID clearly indicate I am not this person name " XXXX XXXX ''. Unfortunately, the credit issuer wouldn't help me to resolve this issue. I am really desperate. I have exhausted all the available help I could find. I am a low incomer. I could not afford to pay for this outrageous charge. Please advise me what should I do to to resolve this issue and further prevent someone steal my identify for their financial gain.

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 2022-07-27
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
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:
I had a leasing car with Honda. My lease terminated in XX/XX/XXXX. Before my lease expired, I returned the leasing car back to Honda on XX/XX/XXXX. I also returned my car plate and car registration card to Virginia DMV to take my name off the car title. 

Then on XX/XX/XXXX, I received tax bill of {$330.00} from Honda Finance asking me to pay for the car property tax for year XXXX. I called Honda Finance. They told me to pay for the tax first and they would request tax refund with Virginia XXXX XXXX. So I paid the {$330.00} tax bill. I was told by Honda Finance that it would take 6 to 8 weeks for XXXX XXXX to process the tax refund. After 8 weeks, I didn't hear anything from Honda. So I followed up with Honda Finance on my tax refund. Then this time they told me it would take 8 to 12 weeks to receive the fund. After 12+ weeks, I still didn't receive the refund. So I called again, a different person told me it can take up to 6 months. So it should be XX/XX/XXXX the latest. 

After 6 months, in XXXX I called Honda Finance again. I told them that it had passed the 6-month timeframe. The person who picked up my call said at this point there was nothing they could do except for waiting. In addition, she asked me to follow up with XXXX XXXX myself ..... 

Then I called XXXX XXXX Finance Department to figure out what was going on with the tax refund. XXXX XXXX told me the reason why the tax refund was held up was that there was missing information for Honda Finance. Honda never provided document to them which showed the exact date when I returned the leasing car so that XXXX XXXX didn't know how to calculate my tax refund amount. So I called Honda again to ask them to submit the missing information. Honda sent insurance cancellation letter on XXXXto the county. I was told by XXXX XXXX in late XXXX that the refund was approved and was about to be mailed out. I called Honda last week to see if the refund check has been mailed. Again this time they told me to just wait. I asked them to follow up with XXXX XXXX and they doesn't seem to really care about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Tennessee Department of Human Services, under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX  court as the furnisher that's forgery and misleading when the courts don't report this type of account

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 2022-07-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2020-01-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On New Years XX/XX/XXXX somebody applied for a JPMCB credit card and I received an e-mail notification from Chase stating that the decision will be mailed which is how I found out. I know I didn't apply for a credit card so when I go in my e-mail I can also see whoever it is is deleting the notifications from my e-mail. I immediately called Chase. It shows an address on my credit file that doesn't belong to me which is XXXX XXXX XXXX, XXXX XXXX MA XXXX Single Family. This is obviously the person ( s ) who applied for the card. They even changed my e-mail and phone number which Chase took care of. They also applied for a {$10.00} Chase reward card. My credit has been affected by this and this is not me. Please correct it as I don't want to be responsible for something that I did not do. Please advise on the matter. Thanks in advance. I also see that my birthday is wrong. I do not know why it shows as my daughters birthday as she got hacked on New Years too. My birthday is XX/XX/XXXX NOT XX/XX/XXXX. Please correct the information. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For 6 months both Jefferson Capital Systems and XXXX XXXX, have failed to verify reported debt to XXXX, in a breach to multiple articles from the FCRA, and the FDCPA. 

JCS who claimed the ownership from the reported account, and reported the account separately, took off such account from the XXXX Credit Report, but refused several times to do the same with the duplicate account. 

JCS accuses XXXX in several communications to the CFPB and the XXXX, of being the controllers for the alleged account, even when clearly the report shows the claimed ownership by JCS. 

This never verified debt, and this fraudulent tactics by JCS have been damaging my cost of funding and my credit worthiness. 

By this conduct I demand XXXX and JCS to remove that account from my XXXX Credit Report, which should have been done 5 months ago, as per FCRA and FDCPA. 

In addition I request CFPB to issue the proper sanctions to both, and to order economic compensation to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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: Information belongs to someone else

Complaint:
I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2015-08-23
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a chapter XXXX bankruptcy that was discharged on XXXX/XXXX/2008. I had a home equity loan with XXXX XXXX XXXX that was included. It is showing on my Equifax credit report as being reaffirmed. This account was never reaffirmed. I have disputed this with XXXX and Equifax several times and it is still reporting as being charged off after being reaffirmed on Equifax. The account needs to be removed from Equifax due to the bankruptcy was over 7 years ago. This account has been removed from XXXX and XXXX but still Showing on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was approved XX/XX/XXXX a new checking account. When I signed up for the account I sign up for one account instead I received three accounts : A " spend '' account, a " reserve '' account and a " growth '' account. What do those even mean? I've had checking accounts before and this is unique to PNC -- I didn't ask for a sign up for three accounts only one account from which to do my banking. because I had three accounts, I make an error and bill paid from the wrong account -- the reserve account. Because all of my funds were in the spend account and not the reserve account, I was charged a {$36.00} fee on XX/XX/XXXX, because there were no funds in the reserve account. Then, against my knowledge and against my wishes, PNC Bank via their bill pay service " XXXX '' trying to pay the bill again on XX/XX/XXXX, even though the payment was reversed XX/XX/XXXX, by the payee XXXX XXXX XXXX. because they were still no funds in the account I never wanted and don't know how to use, I'm going to be charged a second {$36.00} fee caused by the bank! I called the bank XX/XX/XXXX, reverse the first {$36.00} fee because of the screw III accounts that don't make sense and they declined. I called XXXX XXXX AVP branch manager on  XX/XX/XXXX, attempt to reverse the fee because of these weird three accounts and she was unable to reverse the fee. However this is when we discovered that PNC Bank was pulling funds from the reserve account again likely resulting in a new {$36.00} fee. I called PNC Representatives again at XXXX XXXX suggestion, to attempt to reverse the bill pay. The rep stated she could not reverse it and that I would need to call in again when the new fee hit my account to see IF it could be reversed. I'm unemployed and can not afford these fees. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04
Company: The CMI Group, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief