BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a XXXX XXXX  service customer and in XXXX we planned to move to another home in the same neighborhood. I called customer service to ask my service to be moved to the new address. I was told there would be no additional charge for the move. After they hooked up service at my new address I received a bill from them for the move for {$370.00}. I disputed the bill with them and reminded them that their customer service representative told me there would be no charge for the move since we were already customers. Despite several calls to customer service and repeated requests for them to remove the charge, the charge was not removed. In XX/XX/XXXX we received a collections bill from XXXX XXXX XXXX for {$370.00} for XXXX. I disputed the bill by phone and I was told that they would contact XXXX and get back to me. They never responded. In XX/XX/XXXX I received a collections bill from IC Systems for {$370.00} for XXXX. I disputed the charge again by calling IC Systems. They stated they would speak with XXXX and call me with their findings. They never responded. In XX/XX/XXXX I received a collections bill from XXXX XXXX for {$370.00} for XXXX. I sent a letter this time on XX/XX/XXXX stating " If you believe that I am responsible for this debt please mail me a copy of the relevant documents. Please record that I dispute this debt. If you forward this debt to another company and/or report it to a credit bureau please indicate that the debt is disputed. '' I never received a response. Upon review of my credit in XX/XX/XXXX I saw that I had a collection reported for {$370.00} from IC Systems for XXXX. I contacted IC Systems by mail disputing the debt and making the same statement as I did in my letter to XXXX. They never responded. Upon checking my credit in XX/XX/XXXX I saw a collection reported by IC Systems for {$370.00} for XXXX that states it was opened on XX/XX/XXXX and last reported XX/XX/XXXX. This charge has been disputed since XXXX. This collection is continually sold to different collection agencies and therefore reported as newly opened every year on my credit report since then. I have never received any response to my dispute of this debt from XXXX. I have never received a response from any of the collection agencies who have notified us of this debt.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is hurting me so bad. 
Ive sent dispute letters for over a year now and they are still reporting inaccurate information. no resolution, no response. 


XXXX XXXX  and XXXX 's inaccurate reporting of information has had a significant impact on my financial well-being and overall life. The inaccuracies in their reporting have led to several negative consequences : Credit Score Damage : One of the most immediate and damaging effects has been on my credit score. Inaccurate reporting, such as missed payments or delinquent accounts, has caused my credit score to plummet. This, in turn, has made it challenging to secure new credit or loans at favorable terms. It has also affected my ability to rent an apartment, obtain insurance, or even land certain job opportunities that require a credit check. 

Higher Interest Rates : Because of the lowered credit score resulting from XXXX XXXX  and XXXX 's inaccuracies, any new credit or loans I've managed to obtain often come with significantly higher interest rates. This has increased the cost of borrowing and made it more difficult to manage my finances effectively. 

Financial Stress : Dealing with the repercussions of inaccurate reporting has caused a great deal of stress and XXXX. It has led to countless hours spent on the phone with creditors, credit reporting agencies, and XXXX XXXX  and XXXX itself, trying to rectify the errors. The uncertainty and frustration surrounding these disputes have taken a toll on my mental and emotional well-being. 

Impacts on Financial Opportunities : The inaccuracies have also limited my financial opportunities. I may have missed out on favorable mortgage rates, credit card offers, or investment opportunities due to my tarnished credit history. This, in turn, affects my ability to achieve important financial goals and build wealth for the future. 

Legal and Regulatory Hassles : In some cases, I may have had to resort to legal action or involve regulatory authorities to address the inaccuracies. This adds an additional layer of stress and financial burden, as legal proceedings can be time-consuming and expensive. 

In summary, XXXX XXXX  and XXXX 'XXXX  inaccurate reporting of information has had a cascading negative impact on my financial life, including damage to my credit score, increased financial costs, heightened stress levels, missed financial opportunities, and potential legal and regulatory hassles. Resolving these inaccuracies and mitigating their effects has become a central concern in my efforts to regain financial stability and peace of mind.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL collections reporting was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report has been filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine these accounts are indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet signature. Consumer is NOT asking for an e-Oscar report. If EXPERIAN doesn't have documentation to show these were in fact authorized by the consumer it must be removed ASAP. SAID company is liable under the SEC to follow certain rules EXPERIAN GROUP LTD AKA EXPERIAN PLC commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX New York XXXX, i will be filing form 211 treasury omb forms to audit consumers account EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2021-03-09
Company: TD BANK US HOLDING COMPANY
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: Report provided to employer without your written authorization

Complaint:
On XX/XX/2020 I went to a dealership with an auto loan check from XXXX  XXXX. Once I got to the dealership they ran my credit when they were not give consent and I received multiple unauthorized inquiries for companies I never applied to. I called multiple times and always been told its nothing that they can do to help me out when I know thats incorrect. 

XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 TD AUTO FIN  XX/XX/2020 XXXX XXXX XX/XX/2020 I also have 2 XXXX XXXX XXXX inquires on my report and 2 XXXX XXXX inquires on my report so thats 6 total inquires on my report that should be removed I received double inquires for one credit card. Please contact the credit bureaus and have them removed the unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Collection Management Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was at a medical clinic for a check up on my health when I got XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The doctor called an ambulance when I was in this state of XXXX XXXX XXXX XXXX XXXX. The ambulance arrived while I was still in and out of awareness and took me away to the hospital, less than a XXXX mile away from the clinic without my approval. They also didn't contact my wife to make her aware of them moving me to the hospital or of my condition until I was already loaded on their ambulance. 

Having moved to XXXX  from XXXX I am very aware of how organizations like XXXX charge insanely exorbitant fees, in this case it appears to be over {$2000.00} for this ride. My insurance paid what they deemed acceptable for a ride like this, {$500.00}, and now XXXX is attempting to extort money from me that my insurance wouldn't cover. All this without me approving the ride, or being in any condition to approve of any ride in one of their ambulances. I would never had approved of the calling and then the transport to the hospital because of their reputation and the notorious fees they charge..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I was a Experian Boost member prior to XX/XX/XXXX2021 and I received correspondence via email from Experian. I wanted to stop the emails from Experian however they are not CAN-SPAM Act compliant and do not have an " Opt-Out '' link or mechanism via the email as it should to unsubscribe. I called Experian and cancelled my boost account and specifically asked for them to not email me again. The representative complied and told me this was taken care of. I then received an email stating that I was no longer a XXXX   member again with no CAN SPAM Compliant link to unsubscribe. They go so far as to say, " you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. '' I then check their privacy policy and still no way to cancel or unsubscribe except this statement. " If you need assistance or have any questions about this Policy or our privacy practices, please call us at XXXX. '' I called the # and was put into a never ending Do-loop of the same thing with no way to Cancel or Unsubscribe from their bombardment of emails. 

So I've received 5 more messages ( datedXX/XX/21, XX/XX/21, XX/XX/21 & XX/XX/21, since I spoke with a rep on XX/XX/21 to cancel further correspondence with Experian except via Postal mail.

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 2019-10-02
Company: MIDCOUNTRY FINANCIAL CORP
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Today XX/XX/XXXX a female named XXXX called my employer. She stated to my employer she was XXXX from heights finance and asked questions about me trying to collect a debt. On XX/XX/19 I revoked my voluntary wage assignment in writing. On XX/XX/19 I informed them I was filing bankruptcy and they could contact my attorney. I gave them all my attorney information at that time. My employer called me immediately after and was wondering what this call was about. I had to give my employer more personal information about my bankruptcy them I had planned too.

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 2023-02-03
Company: Experian Information Solutions 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} ; 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 2021-03-09
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 2023-09-25
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to file a formal complaint against the XXXX Higher Education Loan Authority ( Mohela ) regarding their refusal to disclose how my student loan payments are being calculated when they significantly exceed the estimated payments provided in my XXXX XXXX ( XXXX ) application. This discrepancy has caused undue financial hardship and confusion. 

I entered into an XXXX XXXX ( XXXX ) plan for my federal student loans to make my loan payments more affordable based on my income and family size. As part of the XXXX application process, I provided accurate information about my income, family size, and financial circumstances. The XXXX estimator provided by the U.S. Department of Education calculated an estimated monthly payment amount based on the information I provided, and I accepted this estimate as my expected monthly payment. 

The issue I am currently facing is that Mohela, the loan servicer responsible for managing my federal student loans, has m higher monthly payments than what was estimated in my XXXX application. This unexpected financial burden has created substantial financial hardship for me and my family, making it increasingly difficult to make ends meet. 

When I contacted Mohela on XX/XX/2023 to inquire about the calculation of my monthly payments and the discrepancies between the estimated and actual amounts, I was met with resistance and a refusal to provide a clear explanation. Despite attempts to obtain transparent and detailed information about how my payments are being calculated, Mohela has not provided any satisfactory responses. This lack of transparency has left me in the dark about the basis for my loan payments, making it impossible for me to effectively manage my finances and plan for the future. 

I believe that Mohela 's refusal to disclose the methodology behind my payment calculations is a violation of my rights as a borrower and may be in violation of federal regulations governing student loans and loan servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Reporting company used your report improperly

Complaint:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2019-10-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In a day where phishing or scams via email are common. I am trying to find out how to validate email notices related to my new XXXX  XXXX ( Issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ). Via XXXX and Goldman Sachs Bank method of communication via XXXX chat service. I attempted to learn as their support page is lacking any guidance. Currently I have received a few emails but they were flagged as JUNK by XXXX. I want to make sure I do my part to protect myself. As well I want to insure that email notices that could be urgent are not missed. The subject and FROM are not easily verifiable as true XXXX or Goldman Sachs Bank. 

Subject : Your XXXX Card statement is ready From : " XXXX Card Support ''  <XXXX> XXXX>

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
Some tried to open an account in my name at Capital one, I will not open cards at all in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX 's mortgage payment was submitted on XX/XX/XXXX. It was refunded by the mortgage company XX/XX/XXXX. I resubmitted the payment on XX/XX/XXXX. It was refunded by the mortgage company XX/XX/XXXX. Made a pay by phone payment on XX/XX/XXXX but it was not processed. XX/XX/XXXX a payment was made. It was refunded XX/XX/XXXX. 
They are not processing our payments. T

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.

Company response to consumer: Closed with explanation