BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-13
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:
XXXX   XXXX ,  XXXX  CFPB :   XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the  past five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my    XXXX     Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my   XXXX    Visa Platinum Cre dit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get  XXXX  to accept payment from my    XXXX    Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  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 2017-05-13
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections letter from  Convergent Outsourcing Inc. l ocated in  XXXX , Washington stating that they are attempting to collect a debt on behalf of  XXXX   XXXX   XXXX . The letter was received in  XXXX    XXXX  . I contacted   XXXX   XXXX   and asked them if I owed any money to them and they stated they had no record of me owing them any past due amount of money.   XXXX   XXXX   asked me to send a copy of the letter I received f rom Convergent Outsourcing and  I never received a response indicating they would take care of the problem. The amount of the debt is {$26.00}. I realize this is a small amount of debt and I am tempted to just pay it and get it over with but there 's no indication from   XXXX   XXXX   that this is a legitimate debt and I do not want to start making payments for something I do not owe.

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 2017-05-13
Company: Nelnet, Inc.
State: OH
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:
Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back i n  XX/XX/XXXX ,  with the University    XXXX   XXXX  . These student loans were opened up unbeknownst to me which I was   XXXX   ( date of   XXXX : XX/XX/XXXX - XX/XX/XXXX  Date the fraud occured :   XX/XX/XXXX  ;   amo unt ( s ) : {$1700.00} ; {$3000.00} These students loans are old and h ave been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in   XX/XX/XXXX ,  and have since been removed from my report (  XXXX   XXXX   XXXX  University  XXXX   XXXX  and   XXXX   ).     Now, I Have  "  XXXX /  XXXX   XXXX   XXXX   ; D  ept. of   Education/ NEL N ;  US Dept. of  Education / XXXX / XXXX ,  posted on my report from the same time period the prior students loan information post posted previously, dating :   XXXX .      This same issue with the fraudulent student loans has come back and repackaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: AMCOL Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from AMCOL SYSTEMS INC. I had previously disputed this account. I have never done business with AMCOL SYSTEMS INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL SYSTEMS INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL SYSTEMS INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I spoke with a representative from the company and asked about credit reporting. 
I asked if I would see it on my record because I had read online somewhere that it should. I was told it would show on there once it was paid off. 
I did pay it off and it never hit my report. For the disgustingly high-interest rates these robbers charge, they can at least give you a bump on your credit, especially since it is the only option for some people who need a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom  it may concern, I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries on my Equifax report,  XXXX  hard inquiries on my   XXXX    report and  XXXX  hard inquiries on my   XXXX   report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX     refu sed to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  t  wo separa te months well after lease ended. Th e Statute of Limitatiins is long past even based on their reporting and it also is  very close to 7 years ago.        XXXX   XXXX   tol d me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violates th e Fair and Accueate Credit  Transactions Act.     I have had a few  XXXX  through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditor XXXX, and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.

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 2017-05-13
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My experience with this bank on weekends is disappointing, questionable and curious. When I deposit funds on a weekend ( weekend as defined by this bank : Friday afternoon, Saturday, Sunday and Monday  XXXX  the credit does not hit my account until the bank settles it Monday night. But if a debit hits the account during those times the bank debits the account immediately. Specifically on   XXXX   they debited my account for a {$150.00} check. I had insufficient funds so they bounced the check and also charged me a {$36.00} overdraft fee. I was notified of this fee, etc. via an email from the bank I received on morning of  XXXX  and only finally saw when I checked my emails afternoon of  XXXX .! Also on  XXXX  about  XXXX  P.M. I made a cash withdrawal of {$70.00} from an ATM out of this account. Question #  1  : Why did they allow this withdrawal? Why was it not denied. Question #  2 :  Why did n't they wait until they settle weekend credits to also settle weekend debits?! Settling credits this way is disadvantageous to me, and allowing debits this way is advantageous to this bank. It does n't seem right to me. It seems wrong and illegal. In the past I received emails from this bank that a debit hit my account larger than my balance, and I was given a  three or four da y grace period to move funds into my account to cover the debit, and the bank did not charge me an overdraft fee. So why did the bank not send me a warning email and allow me to at least move funds into the account to cover the debit on Saturday, Sunday or Monday so that that credit would take care of the debit when the bank settles everything Monday night for the " weekend '' ( it 's even worse and a longer " weekend '' if Monday is a bank holiday ). Help. 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 2017-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for a credit card from Bank of America in large part because of a promotional offer of  XXXX  points after spending {$3000.00} in the first 90 days. My first statement from the card indicated a starting date of  XXXX   XXXX . On  XXXX   XXXX  ( i.e. 87 days late r ), I  called Bank of America regarding a missing transaction that would have put me well over the {$3000.00} limit. I was informed that BoA had started their 90 day calculation weeks before I had even received the card, and the starting date listed on my first statement was essentially meaningless.   Customer service agents were unwilling to offer any kind of compromise and said that I would be unable to receive the  XXXX  bonus points ( worth up to {$1000.00}! ) regardless of my spending. At no point during my relationship with BoA was I informed of a starting date for the 90 day peri od ( o ther than the beginning of my first statement, which led me to believe the starting date was  XXXX   XXXX , as described above ).

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 2016-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. Being that they have gone past the 30 day make and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2017-05-13
Company: ACCESS GROUP INC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This complaint concerns  XXXX  student loan servicing and  ACS-Education  XXXX   XXXX  loan servicing. My federal loan servicing provider,  XXXX , has given me a deferrment and understands my situation and is helping me.  XXXX  and  XXXX   XXXX   XXXX  are being completely unreasonable and I am sincerely afraid they are violating my consumer rights and threatening my credit, which affects my ability to improve my situation and pay more towards my student loans. I have tried everything and I really need your help. Thank you.      1 )  Since  XXXX    XXXX  , I have consistently, repeatedly and regularly advised these companies of a drastic change in my financial and economic circumstances. I have basically had to start all over in the  XXXX  after having worked overseas for several years. This is harder than expected and the economic climate in the  XXXX  is still not the best. I sent these companies my income/expense calculations for over a year to try and come to a reasonable payment plan and additional forbearance so I can improve my situation.      2 )  The payments they requested are those I simply can not afford because I do not make enough to pay that and pay normal monthly living expenses including rent, food, utilities, transportation for work etc. given that the cost of living increases but my pay checks do not! I have tried over and over again to ask them to accept a monthly payment that I can afford and they refuse to cooperate and understand.      3 )  This month, I promised to pay {$100.00} per month each month to each of the  XXXX  student loan providers. I made the payments on  XXXX .      4 )  I have tried to get student loan consolidation/refinance but the companies I talked to are either not able to help or will not help because of the total amount and the debt-to-income ratio, something I can not control right now. I can not simply quit my job when I have bills to pay!      4 )  What I need from you and CFPB : a ) to reach out to these companies and make sure they do not impact my credit rating, which would or could basically ruin the chance for me to improve my financial situation and be able to get a house, a car, a better position, or anything else where I could make more payments : b ) to reach  out to these companies and ask them to grant me additional forbearance because I desperately need it ; and c ) any other help you can provide to help me with this situat ion. It is causing major  XXXX ,  XXXX , and suffering because of worrying about the balance. PLEASE HELP IN SOME CONSTRUCTIVE WAY!     Thank you and sincerely, -- -  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 2016-01-29
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was recently contacted by a bankruptcy attorney who informed me I had a default judgment against me in XXXX XXXX, WA. I was surprised as I had not received notice in the form of a summons or complaint, nor served in any manner. I found the judgment at the XXXX XXXX site online and paid {$25.00} to download the case file through the XXXX XXXX site. I was shocked to discover a process server submitted an affidavit of service that was incorrect and included a physical description of me that was not at all accurate - and, this affidavit was submitted by a collections firm, Marchol & Johannes, XXXX, WA office, to the court as proof of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: OH
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 the 3RD time I have sent a complaint about this fraudulent account from THE XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the 3rd Party collection and the credit bureaus that it has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My info was crisscrossed with that of my father. HE has a tax lien that appears on MY Experian credit report and not on HIS.. although this same item appears on both HIS XXXX and XXXX reports and not on MINE. Item in reference docket # XXXX. Upon further investigation noticed that the addresses of XXXX XXXX County recorder differ from my Experian report and his XXXX reports from XXXX and XXXX but ALL XXXX have the exact same dollar amount due {$7400.00}. and SAME docket reference number # XXXX. documents uploaded to support my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint EXPERIAN INFORMATION SERVICES LLC has ignored my request to provide me with the documents that their company has on file that was to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts in writing under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. that I have disputed. Please resolve this issue and matter as soon a humanly possible. Thank you so much, for your time.

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 2017-05-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it  may co ncern, I mailed a Multiple  Inquiry Removal Letter  on   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included  XXXX  Hard Inquiries on my   XXXX   report,  XXXX  hard inquiries on my Experian report and  XXXX  hard inquiries on my  XXXX  report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the cr editor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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