BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-10
Company: Andrews & Cox, P.C.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I request for my Credit report be sent to me and was surprisingly to see a judgement against me from XXXX XXXX XXXX XXXX after years of harassment during be unemployment. I fought with them from XX/XX/XXXX until they stopped in XX/XX/XXXX and now I see while they stopped even though they did not during the time mentioned below as I send them constantly letters stating that I was unemployment. 

Several of their collection agencies and attorneys just ring out to me all day everyday, including the weekend but never stopped. 

Now there is a surprisingly judgement on on credit report what involving Bleeker, Brody & Andrew, that first send me a warrant that was take to my residence door for another consumer and then lied and said that was me and found out that the other consumer was given my warrant. When I went to court, I explain to the courts and gave them a copy of the warrant and the judge was not please. I also explain to the court that they have been harassing during my hard time being out of work and collecting unemployment and again, the judge was not happy. Bleeker, Brody & Andrew also lied that they send my copy of my original warrant XXXX, and then I received a copy the day of the court date but they are allowed to put a judgement on my files. 

Now, since I did not have any money to get to court, I wrote letters them and let them know. So in between not able to afford to go to court, somewhere in there this judgement was place on my records. 
I know that I owe them because how do you repay during hard times. When I talked to XXXX XXXX and the attorneys, they instructed me to sleep in my car until I repay them back. 

I have tracking letters of this and hope that I can attached them as I have contact you before re : this harassment with XXXX XXXX XXXX loan and Bleeker, Brody & Andrew out of XXXX, GA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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:
After reviewing my credit report I noticed that an account that was removed is still being shown on the XXXX  and Equifax credit companies. It was removed from XXXX  as well but somehow it is showing up on the other 2 companies. I have included documentation to prove that this account was removed so it should be consistent across all 3 credit bureaus. I don't understand how it can be removed and magically come back and hurt my score again. Please remove this account from my credit report and have it consistently report across all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
1. ) I have a total of XXXX unauthorized transactions withdrawals totalling {$2700.00}. 
XX/XX/2022, I had a balance of {$1100.00} in my XXXX Bank of America XXXX debit card account. The next day while at the ATM, I checked my balance to find out there was only {$47.00} on the debit card. I filed a claim and was told that I must have created a link to transfer the funds. I stated that I had never transfered or created a link to the account during the entire time on unemployment benefits. A unauthorized transaction withdrawal of {$1100.00} was fraudulently processed into an unknown account. So, XXXX BofA sent me a new card. 2. ) XX/XX/2022, a deposit of {$810.00} was placed into my account approximately XXXX pm. I received a email approximately XXXX am stating {$800.00} had been transferred into a unknown account. I did not authorize the transaction neither did I set up a link to my XXXX BofA XXXX debit card account. I thought the unemployment benefit funds would be safe due to having a new card. I filed a claim and disputed the unauthorized transaction withdrawal that was processed into the unknown fraudulent account. XX/XX/2022, I created a link to my XXXX BofA XXXX debit card account. I successfully transferred {$800.00} to my BofA checking account ending # XXXX. 3 ) XX/XX/2022, {$810.00} were deposited into my XXXX XXXX BofA debit card account approximately at XXXX. I tried to create a Link to my BofA checking account but the mobile app was malfunctioning, sending me around in circles. I was being directed to identity verification, card control settings, to fraud alert. The mobile app would not let me create the link to transfer funds to my BofA account. Approximately XXXX, {$810.00} unauthorized transaction withdraw was processed into an unknown fraudulent account ending # XXXX. Even, after having my XXXX XXXX XXXX debit card.. I am a victim of identity theft.

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 2021-01-04
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-04
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Investigation took more than 30 days and haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX I was served a summons and complaint on a paid debt. The original debt was from a bank account with XXXX that was closed on XXXX/XXXX/XXXX. It was then transferred to Weber & Olcese for collection. On XXXX XXXX, XXXX I XXXX XXXX XXXX called Weber & Olcese to settle the account. I paid the settlement offer of XXXX offered to settle the account. I paid the account through a personal credit card for XXXX. I received a letter stating the account was settled from Weber & Olcese. On XXXX XXXX, XXXX I received a summons of complaint for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I made a rental car reservation online through. I was not going to be able to use the reservation. I called XXXX to request a refund, they said my reservation was nonrefundable, non transferable, and no changes could be made. I called discover, my credit card company to dispute the charge. They called priceline on a XXXX phone call, and the resolution was my reservation would be canceled and they would provided a refund. I did not received a refund and disputed the charges with my credit card company, discover. XXXX canceled my reservation and did not provide a refund, and I was unable to use the reservation even if I wanted because it was canceled. It is my opinion priceline voided the contract/agreement by canceling my reservation and had a duty to refund my money. Discover said they would not refund my money even though I did not receive the services I paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hi. I am in the process of applying for Public Service Loan Forgiveness of my federal student loans. They are currently serviced through Fedloans. I have made 122 payments and so should qualify for forgiveness under TEPSLF ( I do not qualify for PSLF as I was in the wrong payment program for several years due to bad information from the loan servicers ). I am having an issue with Fedloans where they are showing numerous payments I made as ineligible for TEPSLF due to " No Bill. '' In addition, numerous payments are marked " pending manual review '' and have said that for several months, with no movement. All in all, the counter on the FedLoans website is showing that I have 64 eligible and 58 ineligible payments for TEPSLF. All of the " ineligible '' payments are from before XXXX when my loans were being serviced by other servicers ( Direct Loans, XXXX, XXXX XXXX, and XXXX XXXX, and they all say " No Bill '' or " Pending Manual review. '' I have paid my student loan payment every single month since it first came due in XX/XX/XXXX. I have talked to customer service at FedLoans and they tell me it can take a YEAR for the manual review to occur! As I am eligible for forgiveness right now, I should not have to wait a year due to accounting errors or lack of information in FedLoans own records. Is there any way you could help me resolve this issue?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
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 status incorrect

Complaint:
Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX XXXX XXXX {$400.00} not 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 2015-09-25
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I borrowed thru ' Discover XXXX loans which is serviced by XXXX XXXX. My issue is, I am unable to obtain an accurate balance on my loan from XXXX XXXX. As a result, I am unable to either payoff my loan OR ensure that monthly installments are accurately calculated. 
ISSUES:1 ) I set up an auto payment to stay current on my interest payment. XXXX XXXX refuses to pass on the 0.25 % APR reduction offered by Discover Financial for setting up Auto Payment. 
2 ) My loan went into repayment XX/XX/XXXX and as mandated, I received the Truth In Lending. However, there were also errors in my TIL and I called to report them. The customer service agents at XXXX XXXX has been passing the buck on to Discover Financial and have been unable to share details on how my payments and if any APR reduction/discounts were applied. 
3 ) The loan servicer 's website is poorly managed and lacks transperancy. There is no information on how payments were applied and the current accurate APR is not displayed either. 
4 ) For example XXXX XXXX restricts customer payment history. They go back only one year. The interest rate shown on their website ( 4.5 % ) does not " exactly '' match with what Discover states on its website ( 4.477 % ). SPREAD OVER 240 PAYMENTS THIS IS A VERY LARGE DISCREPANCY. 
5 ) The repayment commencement date ( when the loan is scheduled to go into repayment ) is also not posted on XXXX XXXX website. As a result customers are not able to calculate the interest due accurately. 
RESOLUTION EXPECTED : I need the CFPB 's help in obtaining an accurate Truth in Lending document. 
Also, given its oversight, I urge CFPB to work with the above lender and servicing agent to ensure that student loan borrowers have better and ready access to ACCURATE and CURRENT information on their loans. Thus, the student borrower community is not put through unnecessary hardships in PROMPTLY AND ACCURATELY PAYING OFF their loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, XXXX To Whom It May Concern : I am filing this complaint against Simon Agency attempting to collect on behalf of XXXX XXXX XXXX, using abusive tactics in soliciting an invalid debt for medical services billed incorrectly to my insurance. The claim was billed under an incorrect XXXX code in an effort to seek higher reimbursement. As a result, instead of a XXXX ( which would have been reimbursed without liability to the policy holder ), the claim was processed as a diagnostic procedure, which resulted in deductible and co-insurance liability to me ( the patient ). 
Also, Simon Agency collected money from me, claiming that I have unpaid co-payments for claims that were paid in full, and for which I have receipts. I disputed the abusive entries in my credit report, which lowered my credit score by at least XXXX points. My dispute letters were rejected and returned unopened to my residence. The abusive calls continued. Due to unbearable stress of watching Simon Agency destroy my credit, I offered to pay the alleged debt, with the condition that it is removed from my credit report. They refused my offer and continued with their abusive practices. 
They demanded payment on fees that were previously paid to XXXX XXXX XXXX, and for which I have printed receipts. Since this medical claim dates XX/XX/XXXX, XXXX is unable to retrieve claims older than 18 months ; it is very hard for me to retrieve the records. However, I was able to obtain the XXXX codes billed by XXXX XXXX XXXX to XXXX and was able to verify the XXXX codes against the XXXX XX/XX/XXXX-XX/XX/XXXX reimbursement rate table at : XXXX This clearly demonstrates that the service billed was incorrect, which resulted in liability to me. 
I am therefore reporting : Simon Agency for abusive, illegal collection practices for unverified debts XXXX for fraudulent insurance billing My last attempt to resolve this with Simon Agency and with XXXX XXXX XXXX was today, unfortunately unsuccessful. I am currently filing an appeal and working with XXXX in retrieving the records in question. However, I wonder how would the damage done to my credit report be corrected? 
Your prompt attention at this matter is greatly appreciated. 

Sincerely yours, XXXX 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 2015-04-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt started and ended in XX/XX/XXXX. I had an employer stop payment on my paycheck and then the bank started accruing overdraft fees. I never even attempted to pay it, because the debt was going so high and out of reach. LVNV tried to put my last transaction date as XX/XX/XXXX ( never happened XXXX so I filed a complaint about them and they responded by saying they would remove themselves from my credit report. Now this Company " XXXX '' is trying to collect an 8 year old debt that started out as a fraction of the actual amount. I would like them to provide me with proof I have had anything to do with this account in the last almost 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Convergent Resources, Inc.
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: Information belongs to someone else

Complaint:
FRADULENT ACCOUNTS AND IDENTITY THEFT

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2017-05-20
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:
I have sent documents numerous times to Equifax, XXXX, and XXXX and they still refuse to correct my credit reports. The following Loans have been off since XX/XX/XXXX and the reporting agencies refuse to update my credit reports. The following loans appearing on my credit reports have been paid in full on XX/XX/XXXX : 1. XXXX - account numberXXXX amount paid {$2200.00} 2.  XXXX - account numberXXXX amount paid {$5400.00} 3.  XXXX - account number XXXX amount paid {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: The Phoenix Recovery Group
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:
I am a XXXX year old woman who is continuously badgered by Phoenix recovery group who refuses to disclose an original debtor and his attached the {$14000.00} lien on my credit. They continue to call me during my work hours while I take care of a small child and threaten me with legal action and arrest. I live in California and have no idea what the debt is in can not unless they properly disclose original signatures original paperwork and all the things that are required by law to show me that I actually owe this debt they claim I owe. Meanwhile I've made several attempts with credit bureaus to remove it and none have been answered properly. No parties in vaults have followed the strict legal guidelines set out by the fcra which I have taken the past year to study and familiarize myself with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Online Collections is Tarnishing my credit report with a fraudulent account that is not owed! I have know knowledge of this fraudulent account, and they are violating the FAIR DEBT COLLECTIONS PRACTICES ACT for reporting on an account that is due to fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Resurgent Capital Services L.P.
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: Was not notified of investigation status or results

Complaint:
I have reached out to both XXXX and the Collection agency Named LVNV FUNDING LLC regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as XXXX is reporting a date of last activity as XX/XX/XXXX while XXXX is reporting a date of last activity as XX/XX/XXXX. In the payment history, XXXX continues to report this account as a charged off account, while XXXX is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately

Company response to consumer: Closed with explanation