BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBA XXXX is currently reporting an alleged debt that they state I owe. The debt seems to be for services rendered from a medical service provider. I have requested validation of said debt and was sent a one sheet of paper that provided no significant information. I am on my third validation request from them w/no luck. 

They are located in Georgia however I can not find them on the Georgia Secretary States. I can not locate a registered agent for this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: MONEY SOURCE, INC., THE
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: Account information incorrect

Complaint:
TMS legal department has lied and misstated facts and deceptively missused law to commit fraud and defraud me. I paid for my home na XX/XX/XXXX to XX/XX/XXXX. 
TMS stole that money from me for a year. TMS never paid for XXXX until XX/XX/1923 and only to cover their criminal tracks. 
Tms knows the escrow was canceled in writing to amc XX/XX/XXXX and XXXX XX/XX/XXXX. But they continued it maliciously. Then lied here about the facts and admitted it was canceled in XXXX while also claiming it was ok to bill until XXXX as shown on my XXXX file. 
I have repeatedly asked them to PROVE payment to my ins. They misstate the facts, trick me, misuse the law and 3 day cancelation, lie and get away with it. 
They stole my escrow money. They NEVER stopped escrow. They never paid ins XXXX to XX/XX/XXXX. They lied here. They lie to my credit bureaus. They cant claim they paid for something that they didnt. They cant claim it was a mistake. They admit to knowing I canceled all escrow and billed me anyway. 

This is only a repeat complaint because the company keeps lying to trick us into thinking they did not intentionally with malice evil mind keep the escrow money from me for a year. 

They lied and said that two months of interest on an escrow is XXXX $ but 7 months is XXXX XXXX PROVE IT CRIMINAL. show your math lier. 

These are sophisticated attorneys and math people who are using lies untrue facts and omissions and deception and misstating the law and misusing the law to deceive and getting a pat on the back by the federal government for doing it. There is no hope for people in this country. There is no consequence for corporate greed and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
This company denied me a right to get a auto loan due to the improper and inaccurate information reporting on my consumer report. This company took adverse action against me denying me a right. How can you deny a consumer something when I am the one extending my credit to them, This is a violation of the Gramm Leach Bliley Act, because they are invading my privacy. 15 USC 6802 and 15 USC 1611 false and inaccurate information willingly and knowingly. 

The information provided on my consumer report is damaging my reputation.

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 2023-03-09
Company: United PanAm Financial Corp.
State: CA
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:
I checked my credit report and saw all these inquiries in one day and other I did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Aargon Agency, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The medical debt on my credit report has been disputed multiple times due to the biller not appropriately billing my insurance company within the appropriated amount of time of services rendered, 1 year. The biller billed my insurance company after 1 year. The bill was then repeatedly denied by my insurance company due to inappropriate billing time frame. I spoke to the biller and my insurance company over 30 times regarding this bill/debt and neither could come to an agreement. I should not be responsible for the billers clerical error.

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 2023-05-13
Company: EQUIFAX, INC.
State: TX
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 complaint is to notify you to remove the disputed items in my credit report for they are fraudulent and must be dealt with immediately. 

Please remove the following items immediately : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX  XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} ONEMAIN Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made more than my monthly mortgage payment since before Select Portfolio Servicing , Inc. has been collecting on my mortgage. The corporation 's " payment coupon '' has sections to direct application of the payment, including a category for any " Additional Principal ''. Each time I make a payment greater than the required payment I have directed, on the " payment coupon '' the amount to be applied to the principal balance. After the first time I have also written the payment application direction under the " memo '' section of the lower left hand corner of my check. I have always been current on my basic payment, including interest and escrow portions of the payment. 

My payments for XXXX, XXXX ( {$1600.00} misapplied ), XXXX, XXXX ( {$780.00} misapplied ), and XXXX, XXXX XXXX {$730.00} misapplied ) were all incorrectly applied. Select Portfolio Servicing , Inc. has ignored the direction on the " payment coupon '' and my checks and has applied my excess payment to a pre-payment of interest and/or escrow for the future month. Select Portfolio Servicing , Inc., has not earned the interest, nor is it entitled to the escrow payment, at the time it received my payment. Further, by employing this procedure they are keeping my principal balance artificially high, thereby if not corrected, would ultimately charge me more interest than that to which they are entitled under the contract. 
In each instance they have done this I have caught it and spent hours both on the phone and in mailed correspondence with them to have the accounting corrected. I have made repeated pleas to ask the account representative, with whom they chose me to deal, to ask the management to correct their procedures. The explanation I have received is something SPS. Inc. calls " Payment Logic '', ignoring the " Payment Coupon '' they have printed on the lower half of its statement. I have threatened to make a complaint and on this third event am now making this complaint. 

The dollar amounts for any one month for one mortgage are not hugely significant for any one contract but if this is happening to multiple mortgage payors over a significant amount of time, Select Portfolio Servicing, Inc. could be cheating consumers out of a large amount of money. 

They have corrected the error each time but it has required close review of my statement, at least two phone calls on their phone tree regulated system, wait times and call backs. I have had to write detailed letters, sort through complex spreadsheets from them to confirm the accounting was corrected. This can be fairly complicated math because each misapplication of a payment to principal affects all current and future interest calculations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I received an email offer from CitiBank with an American Airlines AAdvantage miles bonus when for opening a MilesAhead savings account. The mileage bonus was based on the amount deposited in the account. The offer specifically stated that the funds needed to remain in the account for 60 days. On XX/XX/XXXX, I opened the account and immediately deposited {$50000.00} which related to a XXXX AAdvantage mile bonus. On XX/XX/XXXX, I contacted CitiBank at XXXX XXXX ) XXXX to verify with the representative that I met the terms and conditions because I needed to withdrawal most of the money sometime in XXXX. The representative ensured me that I did meet the requirements and that I would receive the bonus even if I withdrew the money that day. I am sure of this because I asked several times. I then withdrew most of the XXXX on XX/XX/XXXX. I then made several calls during XXXX and XXXX to inquire on the status of the bonus miles. On each call, the representative reiterated that the miles would be credited in XXXX. On XX/XX/XXXX, I called the above number and the representative stated that the miles would be in my AAdvantage account by XXXX on XX/XX/XXXX. I called again on XX/XX/XXXX to open a dispute because I did not receive the miles. The dispute was denied because I did not retain the funds for 90 days. On XX/XX/XXXX, I called to inquire about the dispute and XXXX stated that I did meet the requirements but there are many different offers and they were in error. She also stated that she would send me an email which I never received. I phoned again on XX/XX/XXXX and the representative told me that they did not start counting the 60 days until 30 days after I deposited the money and I did not qualify for the bonus. If this were the case, why didnt the representative tell me this on XX/XX/XXXX? I would have retain the funds for another four days. I had no reason to believe that the funds needed to be there for 90 days when the agreement stated 60 days. I am not able to get CitiBank to address this issue beyond the first level support.

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 2021-07-07
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My escrow had been thrown off due to taxes and insurance being incorrect. After fixing the issues within hours of the problems arising, it has been nearly 7 months and the issues have not been fixed. The bank Ameris Bank has raised my payment nearly {$300.00} the original Payments. Now, after having done the escrow analysis several times, and now issuing a refund check ; they still have not lowered my payment to the correct amount and expect me to pay the elevated payment. They know the payment is incorrect but refused to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: AES/PHEAA
State: MD
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:
I submitted my TEPSLF documentation to FedLoan around XX/XX/XXXX. I have worked for the Federal government ( one employer ) for over 10 years I thought this would be a good chance to see if my payments qualified considering the Covid relief bill allowed the months of forbearance to count as qualifying payments. I received a letter about a week later saying that they received my application and are verifying my employer. 

A month later, I submitted my wife 's paperwork which included two different employer verifications. In two weeks, they reviewed her documentation and found she didn't have the years of service yet to qualify. I found this odd since I haven't received anything other than my initial letter. I called and was told it could take 60 days and to call back in a month. 

I called in XXXX and was told it was still being processed. I called again in XXXX and was told that they are reviewing them as they come in and have a backlog. I said I mailed my wife 's a month after and she was done. I was told well verifying some employers take longer. 

I contacted the Dept of Education and they had FedLoan escalations contact me. They requested updated documentation the time I was requesting that they look at it but then said that they will send a letter when they finish reviewing it. No timeframe or anything. The TEPSLF is a temporary program. It seems like FedLoans is slow-rolling anyone that might actually qualify. 

I can send you my forms but it does have XXXX in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In accordance with the fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY CHAPTER XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

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 2023-08-08
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: Account status incorrect

Complaint:
UPDATED Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Ohio XXXX ( since XXXX ) I am filing federal trade commission ( FTC ) disputes against credit bureau agencies Equifax XXXX XXXX XXXX XXXX XXXX for purposely posting false and inaccurate no non-sense inadequate info onto my Equifax, XXXX and XXXX credit reports. 
Equifax credit bureaus staff are careless and lazy and is continuing to ruin my credit profile by constantly lying posting bad things on my credit reports to keep me from gaining any NEW Established credit with creditors and or renting an apartment lease after filing bankruptcy. I deserve a fresh start such as any other consumer. I HAVE HAD ENOUGH of the unfair credit bashing against me from all 3 National Credit Bureaus PLUS XXXX XXXX for no reason., All 3 credit bureaus are continuing to bash my reports with nothing but lies. 

Please NOTE : I only have one acct. open with XXXX XXXX ONLY! Its current and thus far... never late. 

XXXX... XXXX, please act and ENFORCE these 3 National CREDIT bureaus plus XXXX XXXX bureau to STOP placing lies on my credit reports ASAP! OMG, let these 3 Nationals Credit Bureaus plus XXXX XXXX bureau tell it to the CREDITORS, Bureaus are telling creditors my credit ratings are in complete bad dire straits with all creditors on my credit reports WHICH IS FALSE! Seriously how can this poor credit scores after paying of $ XXXX of student loans OFF have this kind of poor and I mean XXXX XXXX XXXX of a XXXX scores on all of my credit bureau files? HOW? Even when I only recently have filed bankruptcy on XX/XX/XXXX. I have been XXXX and now there is only 1 ( ONE ) creditor AND THATS XXXX XXXX XXXX my recent car loan PERIOD! Neither one of the 3 credit bureaus NOR this fake company called XXXX XXXX dont have not XXXX XXXX thing correct on my credit file. Tons of Tons of Fake inquires that I never and I MEAN NEVER ever applied for, DEMANDING that all of these tons of tons inquiries be removed IMMEADIALY from my credit reports ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
Company: PMT Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection notice on XX/XX/08 regarding a bill I did not know existed from XXXX XXXX. XXXX XXXX never sent me a bill but instead sent my bill directly to PMT XXXX  who require you to pay in person or acquire an extra {$35.00} fee to your bill. I have lived in Florida now for 5 months and can not go in person to pay my bill that I did not know existed. When I contacted XXXX XXXX regarding the bill, they stated it is not their responsibility to notify me of payment due. XXXX XXXX has also deleted my account so I can no longer see what the charge is for or any details regarding the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX, XXXX XX/XX/2022 XX/XX/2022

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