BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Medical Data Systems, 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: Information belongs to someone else

Complaint:
Medical Data System has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between Medical Data System, XXXX, XXXX, and XXXX. This is Infringement to my Privacy. I recently disputed Medical Data System because laws were broken in regards to my privacy. Medical Data System, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

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 2023-10-17
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX 15 USC 1681 Section 102 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: COMMERCE BANK
State: OR
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 XXXX XX/XX/2022, XXXX reported Commerce XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I had NO IDEA why. I did not apply for credit, housing or employment anywhere. This was fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. The bank that ran my credit was listed on my credit report as below : COMMERCE BANK OF XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX During the past XXXX XXXX months XXXX Commerce Bank XXXX XXXX has promised and promised and promised to REMOVE THE CREDIT INQUIRY they put on my credit file XXXX XXXX XXXX. But it is still there as of today, XX/XX/2022. I have attached two letters from COMMERCE BANK XXXX XXXX saying they will remove the inquiry but nothing has happened. I don't know why they keep promising to remove it but fail to do so. 

What should I do besides submit more complaints!?! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I provided Freedom Mortgage Company notice that, as a military XXXX, I was being called to XXXX XXXX. I began several consecutive periods of XXXX XXXX service in late XX/XX/XXXX, and I am still on XXXX XXXX orders into XX/XX/XXXX. 
I provide copies of my XXXX XXXX orders to Freedom Mortgage in mid-XXXX and requested protection under the SCRA and pursuant to the California Military Families Financial Relief Act ( CMFFRA ), California Military and Veterans Code 800. 
I provided a formal written request to defer my mortgage obligation for the 180 days under the CMFFRA unless Freedom Mortgage was willing to defer my financial obligation for the duration of my military duty ( through XX/XX/XXXX ). 
In XXXX or XX/XX/XXXX, they acknowledged receipt of my orders but did not timely respond to me request for deferment. 
Since this complaint covers over a year of time, I will try to summarize. 
On or around XXXX of XXXX, I was told that my deferment request would be granted. 
On or around XX/XX/XXXX, I was told over the phone that Freedom Mortgage would grant my  deferment through XX/XX/XXXX, or for a full 12 months, I just had to provide a copy of my orders, which I already had done. 
Per the CMFFRA, I was to pay my monthly impound account, while my principal and interest would be deferred, and the length of my mortgage would be extend by the length of the deferment once the deferment period ended. 
I paid my impound account for the past year in good faith. 
Despite this, over the past year plus, Freedom Mortgage has repeatedly submitted detrimental credit reports to the credit agencies, charged fines on my account, charged other fees on my account, sent correspondence saying I am past due, sent correspondence saying I am in default, harassed me when I called in to inquire on the status of my requests, etc. 
Today, XX/XX/XXXX, since the understood deferment was scheduled to end on XX/XX/XXXX, I called Freedom Mortgage to make a full normal mortgage payment. They refused to take my payment and said I was due for the full amount of the past year 's mortgage payments. 
I believe Freedom Mortgage 's actions are in bad faith, violate the CMFFRA, as well as the SCRA. I  request they either : extend my loan by the 12 months as previously agreed, and bring my account current, and remove all fines and fees, and remove any and all adverse credit reports from the credit reporting agencies ; OR, forgive my loan. 
I have paid each month 's impound account as agreed, and tried to resume full payments in a timely manner as anticipated ; it shouldn't be this hard to pay a mortgage. Freedom Mortgage should not be acting in bad faith when servicing the mortgages of service members who have other more pressing concerns on their plates.

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 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 

Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION they have posted on my report. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
They must remove this account Immediately. 
Please see attach a copy of letter from the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
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: Information belongs to someone else

Complaint:
I'M A VICTIM OF IDENTITY THEFT EXPERIAN IS REPORTING 2 ACCOUNTS ON MY CREDIT REPORT, IN WHICH IT DON'T BELONG TO ME. THE 2 ITEMS I'M DISPUTING ARE BELOW : XXXX AND XXXX XXXX I RECENTLY FILED A CASE WITH THE CFPB CASE # XXXX COMPANY REPLIED BACK THIS : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. 


I'M MORTIFIED BECAUSE I WAS THE ONE THAT CALLED EXPERIAN ON XX/XX/XXXX AND SPOKE TO A REPRESENTATIVE THAT ENTERED MY REQUEST IN, I REQUEST EXPERIAN TO LISTEN TO THAT CALL. I AM ON THE CFPB STATING I WANT TO DISPUTE THESE ACCOUNTS DUE TO IDENTITY THEFT. ALSO I WAS INSTRUCTED BY THAT SAME REPRESENTATIVE TO UPLOAD MY INFORMATION VIA THE THEIR WEBSITE, IN WHICH WAS THE POLICE REPORT FOR XXXX, FTC IDENTITY THEFT REPORT, AND MY ID

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 2019-02-06
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX. My relationship with XXXX ended in XX/XX/XXXX. I owed XXXX a final balance of {$600.00}. XXXX sold my account to a collection agency and the agency sent me a collection letter for {$600.00}. In XX/XX/XXXX XXXX attempted to take {$980.00} from my XXXX XXXX account without my permission. The account that they tried to collect the balance from was closed a month prior due to being compromised. XXXX realized they couldn't get money from my XXXX account so they withdrew {$980.00} from my Paypal Account making my Paypal Account {$980.00} Negative. I did not have the funds in my Paypal account nor did I have a backup funding source attached to my Paypal account which Paypal requires in order to complete transactions if there isn't funds in the said account. Please keep in mind that I did NOT authorize XXXX to withdraw any money from me. I opened a Case with Paypal to dispute that transaction. Paypal initially agreed that what happened didn't make sense, XXXX didn't have the right to touch any of my accounts without permission and without notice. Customer Service at Paypal also went on to say that they had no idea how the transaction even went through because if the Customer ( ME ) did not have a backup funding source ( Bank Account ) attached to their Paypal Account then transactions would automatically be denied if there are non sufficient funds in the Paypal Account to cover the transaction so Paypal ruled in my favor. They removed the negative balance from my account. About a week later Paypal sends me an email stating that they ruled in favor of XXXX because I signed a contract with XXXX stating that XXXX may take funds owed if I have a remaining unpaid balance. I attempted to fight this because it is unlawful. Paypal then told me to take it up with XXXX. My Paypal account is still {$980.00} negative and Paypal is threating to take me to collections. There are a few things very wrong here. 1. I owed XXXX {$600.00} NOT {$980.00}. I have it in writing. 2. XXXX did NOT have Authorization from me the Account owner to touch any of my bank accounts for payment. 3. Paypal should not have allowed the XXXX transaction to go through being that I did not have the money in my Paypal account. 4. Paypal should not have allowed the transaction to go through because I DO NOT have a backup funding source attached to my Paypal Account which is Paypal 's rule in order to allow transactions to post on my Paypal Account. I have been with Paypal since XXXX. This situation is so wrong on so many levels. I am praying that someone can help me get this situation resolved. My debt is with XXXX in the amount of {$600.00}. Not Paypal for {$980.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Please see attached... Please take the time to go through it and you will see the violations, fraud, deceptions.

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 2023-09-19
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've attempted to contact this servicer or otherwise access my account dozens of times over the past week or so. Yesterday I spent most of the day trying to get in touch with them, and have not received any communication from them, either by email, phone, or mail. Here is a detailed list of my attempts from yesterday, though this list is not inclusive of previous attempts over the past week : Type Date Description Portal XX/XX/2023 XXXX Attempted to login, got an error saying my login does not match records ( login was straight from a password manager ) Portal XX/XX/2023 XXXX Attempted to use the " Forgot Username '' function, got an error saying my login does not match records Portal XX/XX/2023 XXXX Attempted to use the " Forgot Password '' function, got an error saying my login does not match records Phone XX/XX/2023 XXXX Called and waited through 10 minutes of menus, finally got to the queue, was put on hold for 10 minutes, then they hung up Chat XX/XX/2023 XXXX Chat was ended immediately upon loading the window Chat XX/XX/2023 XXXX Chat was ended immediately upon loading the window Chat XX/XX/2023 XXXX Chat was ended immediately upon loading the window Email XX/XX/2023 XXXX Sent detailed email with the steps I had tried so far, video evidence, and a callback number Phone XX/XX/2023 XXXX Called into the hotline, went through the menus, requested a callback I will also note that I am unable to login, and when attempting to use the " Forgot Username '' or " Forgot Password '' functions, the servicer simply says that my info doesn't match the info on file. I would really like to establish my payment method before the XXXX payment deadline, and prevent a late mark on my otherwise perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Company report to dispute : XXXX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that XXXX has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that XXXX will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation