BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: HOME ACCEPTANCE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX I was contacted by XXXX XXXX of XXXX XXXX to discuss options concerning debt forgiveness of my federal student loan served by XXXX XXXX. 

He suggested that I transfer my student loans from my current provider ( XXXX XXXX ) to XXXX XXXX. He emphasized the importance of having an existing payment history and explained that if I have 20 years of payment towards my student loans, the government will automatically forgive my loans -- a claim he used to leverage my fear of having to pay my current provider a monthly payment of {$210.00}, if and once it comes out of forbearance. 

By doing so, his way of convincing was I could choose any amount to pay, so I told him if and when I do transfer to XXXX XXXX, I would pay {$50.00} every month towards my student loan balance. He asked me for my form of payment and details -- I gave him my credit card information. He then sent me docusigns which he told me was for me giving him the right to legitimately transfer my student loans from XXXX XXXX to XXXX XXXX. 

From XX/XX/XXXX and onwards, {$53.00} was charged monthly to my credit card on file -- an amount I assumed was going towards my balance. It wasn't until in XX/XX/XXXX, I received an email from XXXX XXXX about my payment ( account was still in forbearance ), I had then realized the loan transfer that had been discussed back in XX/XX/XXXX actually never happened and I've been scammed. 

I then called my credit card about this fraudulent activity which prompted Home Acceptance Corporation to harass me with calls to pay my balance. I refuse to pay for a service I didn't receive, which was what I told XXXX when i called Home Acceptance Corporation. Over the phone, when I relayed these concerns to her, she spoke as if XXXX XXXX and Home Acceptance Corporation are different companies, telling me " my team has been trying to reach XXXX XXXX but they haven't responded. '' When she said she will call back for updates, she never did. She even gave an option of emailing, which I did, and to no surprise, I never got an email back. 

The calls and harassment continued until I called back to stop calling me and to return my money. They told me the same story of how XXXX XXXX have not responded yet. Despite all of this happening, I continue to receive bills from Home Acceptance Corporation, which XXXX also told me over the phone she will stop billing me because of the reasons I mentioned. In addition, the bill by Home Acceptance Corporation has XXXX XXXX imprinted on the background, which leads me to believe they are one and the same.

To this day I am still getting negative reporting on my Credit Report and I have not been able to contact them to stop reporting this fraudulently established loan for services not rendered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2022, {$990.00}, XXXX XXXX Bank has violated the laws. This account was opened from identity theft / fraud. 

I HAVE NEVER GIVEN XXXX XXXX BANK CONSENT TO COMMUNICATE WITH ME. 

I HAVE NEVER RECEIVED A LETTER FROM XXXX XXXXXXXX BANK TO REQUEST A VALIDATION OF DEBT. 

EXPERIAN, PLEASE CHECK THE ( ADDRESS ) OF THE ORIGINAL DOCUMENTS AND COMPARE THE ACCURACY. I DO NOT HAVE THE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX on my Experian public address. I never lived at that address. Why is this account reporting on my credit report? 

XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt not provided me a validation of debt letter. I have requested a validation of debt. 


I AM REQUESTING VALIDATION OF DEBT FROM XXXX  XXXX BANK Section XXXX ( b ) XXXX XXXX XXXX XXXX - ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) 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 ( XXXX ) a statement that, upon the consumers 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 2023-08-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is an email I sent to XXXX XXXX XXXX, who responded via letter that she wouldn't change the mistake. 

I'm reaching out today with great disappointment as I've had to close my XXXX XXXX XXXX account due to an unfortunate misunderstanding that I received no assistance with. In XXXX, I set up autopay for my recurring bills through my bank, which was successful. Encouraged by this, I added my credit cards in XXXX, given my father 's illness and my frequent hospital visits to care for him, making bill payments a challenge. 

However, in XXXX, my bank account experienced a bounce, prompting me to investigate unauthorized transactions. My bank promptly closed the account, requiring a two-week wait to reinstate everything. Consequently, my XXXX XXXX payment scheduled for autopay via XXXX didn't go through. While I typically trust this system and didn't manually verify the payment, I've had no previous issues and other bill payments went through without a hitch. I never anticipated this glitch with XXXX XXXX. 

Surprisingly, XXXX XXXX didn't reach out until my payment was 30 days overdue. I immediately settled the payment and attempted to dispute the credit reporting. Despite my longstanding positive history with XXXX XXXX, the representatives and managers stated that the bank fraud incident wasn't their concern and that the credit report would stand as is. 

My diligent efforts to maintain good credit have been tarnished by a situation beyond my control. I was vigilant in making the payment as soon as I realized it hadn't been processed by the bank. Since then, I've been proactive in making timely payments. Given my consistent record of timely payments, it's disheartening to think that this isolated incident could impact my credit report for the next decade. I'm kindly requesting a thorough review of this matter. Please advise on any further steps necessary.

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 2023-06-16
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I wrote back to this company on XX/XX/XXXX regarding this debt not being valid. I requested proof of the amount owed as I NEVER received a bill from XXXX. They never provided the proof, then tacked on random fees, and now are refusing to remove this from my credit report.

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 2023-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Collection Bureau of America Ltd.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2019 I traveled to XXXX, one and a half years later I get traffic tickets from my trip. The only way to pay was to wire money to some strange account that I did not feel comfortable with. I received XXXX tickets for {$180.00} each, I told Collection Bureau of America I have no problem paying original amount. When I went on line to print and pay, it stated I owe {$1900.00}. When I called collection agency they did not see this amount owed, it is sketchy. I can send you pictures of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The information being reported by Experian, XXXX and XXXX is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that all reporting of this information be blocked deleted. This request is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact but are made as it is relevant to the request to block the identified transactions as they are not information related to any transaction by I, as Agent in Fact, consumer. 
You are required to do what i am demanding, to block delete remove the transactions identified from the name XXXX XXXX XXXX consumer report immediately. There in no investigation required as it is not your right nor authority to produce such derogatory information which you are not legally authorized to produce nor distribute as has been the case repeatedly by all three agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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 2023-11-08
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TD Auto Bank is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: MOHELA
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:
MOHELA is unable to correctly put our loans back into repayment status, despite our best efforts to enter repayment. This is impacting our ability to close on our home. MOHELA put our loans into forbearance status without my permission or knowledge, because of this our lender must use 1 % of our student loan balance instead of our monthly IDR payment. 

XXXX XX/XX/, we requested that our accounts were placed back into repayment status removing the COVID-19 administrative forbearance. This was accomplished and our loans were in repayment status since XXXX. We have been paying the monthly payment since then. 

XXXX XX/XX/, without any notice and without being requested by us, our monthly loan amount was incorrectly recalculated by MOHELA with an 88 % increase in the monthly payment ( this was an error by MOHELA ) ( spouses payment included in the 88 % increase ). 

XXXX XX/XX/2023, we resubmitted an IDR payment to fix the XX/XX/2023 payment issue. This was processed by MOHELA on or around XX/XX/2023. 

XXXX XX/XX/2023, we received communication that our loans were placed back into administrative forbearance until XX/XX/2023. This was done without notice and without being requested by us. 

XXXX XX/XX/2023, we requested that our accounts be immediately restored to repayment status removing the improperly placed administrative forbearance. 

We have spent countless hours on hold trying to resolve this issue and this will stop us from closing on our forever home. MOHELA 's handling of our accounts has been deplorable to say the least. 

Further, MOHELA is reporting incorrect information to our credit bureaus by refusing to update our payment amount from {$0.00} ( which is not correct ) to our current IDR payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Freedom Mortgage Company
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has requested my insurance information a letter dated XXXX XXXX 2022. I contacted them and talked with XXXX. He provided me an email address and I forwarded my documents to him on XXXX XX/XX/2022. I then received another letter on XXXX XX/XX/2022, saying that the letter didn't cover from XXXX XXXX XXXX to XXXX XXXXXXXX XXXX and that if I couldn't provide coverage for those XXXX  days, I would be charged XXXX. I once again contacted them and sent information to them on XXXX XX/XX/2022, and I have provided an adjusted statement to them. I then received another letter dated XXXX XX/XX/2022 about not having coverage. This letter included an option to submit via online and I submitted once again on XXXX XX/XX/2022. 
I have provided insurance verification once again and awaiting approval, but how is it legal or ok for the mortgage company to purchase a policy valued at {$680000.00} and my mortgage is only worth {$120000.00}, and then want to charge {$7600.00} per year for said coverage. If this is not illegal, should I write my congressman and ask for a law to be passed concerning this issue. 
Then in the notices that are sent your only option is to call or fax. Who has a fax machine in there house anymore? Only on the XXXX letter did it provide an option to submit via online. 
All of this seems illegal.

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 2023-02-07
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Phoenix Financial Services about XXXX XXXX XXXX XXXX. They are asking for {$850.00} for " XXXX XXXX XXXX. '' I have responsibility paid all of my medical bills through XXXX or related labs by my physician and this " XXXX XXXX XXXX '' is fraudulent and incorrect. I've never used any sort of " XXXX XXXX XXXX '' I believe my identity was taken or that my information was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
American Express and I entered into a Financial Relief Payment Arrangement where I agreed to pay a monthly amount and they would not report the account as delinquent or incur any late fees. I have attached a copy of the agreement as well as the statements from the months where they have indicated I was 30 days late which is XX/XX/2021, XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
In XXXX, I consolidated my FFEL loans into a direct loan so that they would qualify for the PLSF waiver. After consolidation took place, I submitted an application for PSLF in XX/XX/XXXX. My employment has been certified beginning XX/XX/XXXX. When I got my payment counts back, I was missing all payments prior to XX/XX/XXXX. These payments are not marked ineligible, they just do not appear at all on my record. I contacted Mohela regarding this issue on multiple occasions. At first, I was told that the Department of Education would update my payment count and that I should be patient. I submitted to Mohela evidence of the payments that I received from my FFEL servicer. My payments go back to XXXX. After multiple follow up calls, I was escalated to a supervisor who agreed that a case needed to be opened with the Department of Education to get them to review the missing payments, this was in XX/XX/XXXX. I continued to follow up with Mohela, but they were unable to provide an update. In XX/XX/XXXX, I submitted a request for feedback with the Department of Education. They responded in XX/XX/XXXX that a review would be done. However, there has still been no movement on my account. I will submit my payment history with this complaint, which shows that I have made well over the 120 payments required for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: Personal information incorrect

Complaint:
Improper spelling of my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation