BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter requesting them to validate the account for requested amount of {$28000.00} and {$520.00}. It's evident that Medical Revenue Services don't have proper documentation to collect this invalid debt. I don't have access to files allegedly signed by me, because I don't recall signing any of the documents that was supposedly signed by me with my physical signature ; as identify theft is at an all-time high. Ive sent a letter to XXXX  as well as I'm in distress with the tactics of this company and how they are destroying my credit worthiness. Feel Free to respond to this complaint with " Hippa Release '' - Medical records and or documentation signed by me. If Medical Revenue Services have the right to collect, they have a duty to produce legitimate validation. Until I receive documentation requested ; my HIPPA rights are being Violated.

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 2023-09-12
Company: Nelnet, Inc.
State: WA
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:
Hello, I am in the process of purchasing my first home and running into a roadblock resulting from my student loan carrier, Nelnet. My account number with Nelnet is XXXX. My student loans have been on deferment and I have not been able to obtain the monthly repayment amount once they resume. The mortgage company needs this information to underwrite my mortgage. 

I have contacted Nelnet six times in the last 2 months ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX ) and received different answers on how to get this information each time. I was told that I did not need to re-certify my income, I was told that I didn't need to do anything and just to wait, I was told that I had to re-certify my income and my application was waiting to be reviewed. The entire process has been incredibly frustrating and confusing. 

I recently opened escrow and all the mortgage company is asking for is a statement or correspondence that specifies my scheduled monthly payment amount after the deferment ends. I have received three verbal quotes from three different representatives stating that my payment will be between {$850.00} to {$900.00} a month but they refuse to put this in writing. Nelnet is stating that correspondence will take up to twelve weeks and by then I will fall out of escrow loosing XXXX of dollars on inspections. 

My ask is that someone from your office reach out to Nelnet to request they expedite a statement or correspondence of what my monthly payment will be within the next 7 days. 

With sincere gratitude, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Lexicon Title Services LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Sold my home XXXX XXXX, XXXX. XXXX XXXX XXXX ( Lexicon Title Services LLC ) has not returned {$450.00} to me from this sale. I want it to be immediately wired to my account at XXXX XXXX, with interest. I paid EVERY WATER BILL MYSELF. I only discovered this in preparing my taxes yesterday. I called XXXX yesterday ( XX/XX/XXXX ) to learn there was a remaining bill ( {$77.00} ) and I paid it. Also, I was charged for a bill ( {$100.00} ) that I had paid on XX/XX/XXXX from my checking account and {$350.00} for Water Escrow to Lexicon Title Services LLC. That woman hasn't even contacted XXXX in OVER SIX MONTHS to see if I own anything. I DO NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: LA
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:
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 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 2021-11-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text at XXXX XXXX on XX/XX/21 saying " Chase Fraud : Did you request to send a transaction for {$5000.00} Reply YES to verify or NO to discuss further. Msg & data rates may apply. '' I replied " No '' I received another text saying " CHASE FRAUD : The transaction was blocked and no funds have been taken from your account. A representative will be contacting you shortly. '' I then received a call at XXXX XXXX from the phone number XXXX ( XXXX ) XXXX, which matched the number on the back of my Chase debit cards, and they described the perpetrator 's alias as XXXX XXXX. They said that XXXX attempted to take money out of my account via XXXX. They asked if I was still associated with my XXXX XXXX XXXX XXXX and I responded with yes. They asked if I saw any unusual transactions pop up yet and I did not. They said I may still be in danger of losing that {$5000.00} in my account and to stop the unwanted transfer I would need to send myself the money via XXXX. Sending it through XXXX would freeze the money that is being pulled out of the account and I would be credited back the money within the next business day. I sent it to my own phone number, and they asked what the verification code was, so I gave it to them. At one point in the conversation I asked them to remind me what their name was, and they responded with their first name, last name, and badge number. After the transfer, I received a text from short number XXXX saying " XXXX XXXX : Sign on to your XXXX XXXX account and verify your mobile number within 24 hours. Verification code XXXX. Questions? XXXX '' I received another from short number XXXX saying, " USER ... sent you {$5000.00}. It has been deposited in your XXXX account XXXX. Reply STOP to end. Msg & Data rates may apply. '' Later in the night they called me at XXXX XXXX from the phone number XXXX ( XXXX ) XXXX. At this point I had had a couple of drinks at the bar, and they said that I was getting money pulled not only from an external account at XXXX XXXX, but also an account at XXXX and that I needed to transfer another {$4600.00} to myself via XXXX to freeze the funds. After that transfer, I received a text from short number XXXX saying, " XXXX : Your phone number was just updated for acct ending in XXXX. Visit citi.com/contactinformation to view this change. Reply STOP to opt out '' I then received a text from short number XXXX saying, " XXXX : Hi, USER sent you {$4600.00} using XXXX ( XXXX ). View at XXXX '' They then said they would follow up with me in the morning, which I never received a call for. I then looked up online to see if I got scammed, and sure enough I did. I now have {$120.00} in total in my bank accounts. I called my bank to let them know about the incident, and they said that there is nothing that they can do and sorry that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Bull City Financial Solutions, 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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRUSTMARK CORPORATION
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:
The home associated with the mortgage from Trustmark was sold and paid on XX/XX/2020. I have tried to update this 4 times with XXXX, and the lender. 
This has harmed my chance at a mortgage.

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 2018-09-05
Company: Experian Information Solutions Inc.
State: NM
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: Problem with personal statement of dispute

Complaint:
We have a contract with XXXX XXXX XXXX out of XXXX XXXX Nevada for 10 years. All of our payments had been made on time. After attending a meeting in XXXX XXXX in XXXX of this year, we were notified of info that we did not agree was a part of the contract we originally signed.. We have made numerous attempts to get in touch with their legal dept to no avail. In XX/XX/XXXX, we stopped making our payments to try and get a response from their legal department. We were contacted by someone from their legal department ( we later found out that it was a paralegal and not an attorney ) and were told at that time that our credit would not be affected as there were questions concerning our contract, and that an attorney would be contacting us to answer our questions. Again, we were not contacted by anyone. We made numerous attempts without any resolution. In the meantime, we saw that our missed payments were referred to Experion. This greatly affected both of our credit scores. We filed a complaint with Experion and we were told that XXXX would not tell them that any such agreement had been made. They said that XXXX 's report was in compliance with the fair credit reporting act and that nothing could be done to change it. We still haven't been able to correct our problem with 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 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account XXXX XXXX XXXX XXXX account # XXXX Opened Fraudulently on XX/XX/2023 {$13000.00}

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2021-06-28
Company: Credit Control, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from Credit Control asking to pay a debt.I had received a letter in the mail a couple months ago and I responded with a dispute and validation notice. I did not hear back from them. They called today on XX/XX/2021 and informed me that I had an overdrawn checking account I owed {$69.00} on. I have never had an acccount with this bank. She gave me the account numbers and number for the original creditor. 
The company Credit Control sent me back to XXXXXXXX XXXX for an overdraft account. I reached out to XXXXXXXX XXXX and sat on hold for 2 hours. Finally I was able to get a XXXX XXXX on the phone. I explained on the phone that we had never had an account with XXXX XXXX. She put me on hold and got a supervisor named XXXX XXXX ( collateral liquidation Supervisor ). XXXX informed us that the account appears to be associated with a XXXX. She said that XXXX name does not even appear on the account. Credit Control was asking for the last four of my social security number and sending me collection notices my name did not even appear on. Not only did they disregard my request for the validation and Cease and desist they were attempting collection efforts for a corporation out of California on a XXXX  number that contained neither my social security number or my name. Information I was able to obtain from XXXX XXXX at Credit control was an original account number of XXXX and a credit control account number of XXXX. This account does not appear on my credi at this time. I do have concerns that they have added my social on after having me verify by phone. XXXXXXXX XXXX  has confirmed this is NOT my account

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 2022-08-13
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed my account due to fraudulent charges. The card is paid by auto pay every month. Therefore closing the account for any late isn't accurate I'm a victim of fraudulent charges so some charges on the account isn't my. I have try to work with company without resolve. They are closing the accounts for no reason. My income has increase and my credit is stable, there is no reason to close my accounts.. first it was my at & t card, now it my XXXX  doe no reason.

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 2018-09-05
Company: EQUIFAX, INC.
State: CA
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:
Credit Cards ( XXXX XXXX, XXXX XXXX ) were opened fraudulently under my name. XXXX and XXXX already verified I did not open them and removed them. Equifax has not removed them ( made over 7 disputes if not more ) I submitted Police Reports, Letters from the Military, Orders from when I went to XXXX ( a card was made while I was in XXXX  with the XXXX XXXX ), Identity Theft reports from the Federal Trade Commission, proof that XXXX and XXXX removed the dispute etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2022-01-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I'm currently using paypal credit, they have changed my due date without any notification and all these time I've been charged for late fee every single month because my due date was changed with out any notice.

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 monetary relief
Consumer complaint received 2019-05-24
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: Account information incorrect

Complaint:
Experian is still reporting a incorrect balance from a defaulted card loan thru XXXX XXXX. The car was sold in XX/XX/2018. The deficiency letter was never mailed to me from XXXX XXXX. but I have definitive proof via my XXXX XXXX report that the vehicle was sold. I have a partial account number. XXXX. I'm asking that balance be updated the same as XXXX and XXXX have already done. my Ssn is 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 2023-02-06
Company: EQUIFAX, INC.
State: VA
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: NY
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 call Experian, XXXX and XXXX sent certified mail from them to remove unauthorized inquiries

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 2021-11-13
Company: Comerica
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On or about Mr. XXXX XXXX XXXX Colorado department of XXXX XXXX  # XXXX. XXXX XXXX admitted to damaging the direct express debit card by running it over with a XXXX XXXX XXXX however the damages are inconsistent with tire damage. Received XXXX XXXX debit card. The balance was approximately {$6400.00}. I had XXXX and he threw my personal property to the street and I was XXXX  and still do not have a permanent residence. Mr. XXXX is under investigation in the following domestic violence cases : Fwd : Case XXXX XXXX XXXX XXXX XXXX Case # XXXX XX/XX/XXXX XXXX county Colorado XXXX XXXX XX/XX/XXXX XXXX XXXXe investigation and keep the peace order officer XXXX responded to XXXX XXXX XXXX. XXXX XXXX Colorado XXXX XXXX XXXXase XXXX XXXX XXXX  court XXXX XXXX XXXX Courtroom XXXX ( on going high conflict XXXX XXXX ) Case Report # XXXX XXXX XXXX XXXX XXXX Colorado # XXXX and # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I wrote a letter asking that the old accounts that are closed be deleted, and I also requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together. 
15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your 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