BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered on my credit report recently an account in my name for {$900.00} at a local hospital that was supposedly placed in collections in XXXX of XXXX. The problem is that I have never received a bill nor even a letter from any collections agency for this mystery bill, nor can anyone from the hospital tell me what the bill is supposedly for or why its showing as derogatory/in collections on my credit report. In fact, in XXXX of XXXX, I suffered an emergency XXXX XXXX in the middle of the night, resulting in an ER visit and many trips to various specialists, labs for blood work and XXXX XXXX, XXXX XXXX, and an XXXX. I have faithfully paid every medical bill that has come to my home since. I have lived at my current residence since XXXX, so letters from the last 4 years and roughly 8 months would come to my current address. Ive been asking, begging even for answers for months now, but as of this morning, XX/XX/XXXX, even the assistant director of patient financial services at the hospital can not tell me where the {$900.00} bill came from or why Im being reported for it. According to every single person in billing/patient accounts/financial services that Ive spoken to at the hospital, all of my accounts are current and being paid on time, which is precisely my own understanding, as Im the one who pays my medical bills and do not fail to do so. I am very protective of my finances and credit. My spouse and I have worked very hard for 8 years to finally buy our first home, and this surprise derogatory on my credit has made what should be a joyful time for us a complete nightmare. We are not able to move on with our lives until this is rectified due to the harm it could cause us financially. Ive paid thousands in copays and bills already to this very hospital, and this billing error needs to finally be fixed. I have emailed everyone I can email, including the acting president and CEO of the hospital, in hopes that someone will finally end this nightmare. XXXX recommended I come here to file a complaint since the collections agency that has this erroneous account is who is contacted for disputes, not the hospital, so of course, they say its all correct. I have all of the many emails saved to a PDF documenting the months Ive spent asking for answers and help resolving this, and I am happy to provide them in addition to the latest communications that Im including with this report. The file is more than XXXX and I could not upload it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 REVIEWED MY CREDIT REPORT AND THIS COMPANY XXXX XXXX IS REPORTING AN ACCOUNT OF DEBT THAT I OWE IN WHICH I DO NOT RECOGNIZE. THIS COMPANY IS NOT LEGALLY LICENSED IN THE STATE OF FLORIDA TO COLLECT DEBT AS WELL. I TRIED TO VERIFY THIS BUSINESS THROUGH XXXX  AND THE COMPANY DOES NOT HAVE ANY LICENSES IN PLACE FOR MY STATE. 

THIS IS THE REPORTED ACCOUNT INFORMATIONXXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX MN XXXX XXXXXXXX XXXX XXXXXXXX BALANCE 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 2022-11-10
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got this : Mortgage Relief Program Dear XXXX XXXX, For your application XXXX, a payment of {$66000.00} has been sent to and applied to your loan by your servicer. Thank you for applying to the California Mortgage Relief Program. 

To review your application, you can log in to the Intake Portal here : Intake Portal. If you have additional questions, you can email California Mortgage Relief Program through the Message section in the Intake Portal.

Regards, The California Mortgage Relief Program Team After I got this I thought my next payment would be XXXX. But it is XXXX. I noticed my payment went up without any explanation. I try to call but they are closed on weekends and right now I am on a XXXX minute hold during my lunch again. They close early and I can not reach them during the day. There is no email just a phone number and address. 
I am unable to speak to Caliber Home Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient, which is my student loan company gave my phone number out to other companies without permission, and i 've been getting a mass amount of calls pertaining offers and false advertisement regarding education. It 's annoying and its very frustrating. I get phone calls late at night early mornings, its out of control. They just constantly call from different numbers and I would like it to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: KS
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:
The Credit bureaus stated that my XXXX XXXX account # XXXX was properly investigated but how is that possible when the Last Verified, Date of last activity, Date reported, Date opened, Account Rating, Creditor type, term length, account type, and account type. This ground is for removal and they have also violated my rights under 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 everything has to be 100 % accurate on my credit report 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered into an agreement with Messerrli and Kramer P.A. to pay off two accounts owned by XXXX XXXX XXXX. The agreement was to pay {$170.00} starting XX/XX/XXXX and {$170.00} on the XXXX of each following month until the balance of both accounts was paid of {$2100.00} in total. These accounts were a XXXX XXXX  account and a XXXX XXXX XXXX  account respectively. This agreement started XXXX of 2020. I've made my payments in full and on time through since the agreement. Every payment I have sent has required a signature. Messerli and Kramer stopped applying payments to the XXXX accounts due to a clerical error on their part. This caused the account to go back to XXXX XXXX XXXX and XXXX XXXX XXXX reported the balance past due. 

I've asked that Messerli and Kramer write me a letter reaffirming that they represent the XXXX account and also state that the payments were not applied to the account due to an error on their part. I've had this conversation multiple times with Messerli and Kramer over the course of nearly a month and have yet to receive my letter. They also asked that I continue to send in payments as agreed during the period that they didn't represent both accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION

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 2022-02-08
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine Weiner is reporting inaccurate information on my XXXX XXXX Consumer Report. Ive reached out to them several times asking them to validate their alleged debt. They claim they have sent me several responses which is not true. They have send me verbiage one time which is a copy of a bill which proves nothing. I asked them to send me an agreement bearing my signature showing terms that I took on this alleged debt. A copy of a bill is not that. I sent them a letter in XXXX letting them know their option and the options I will take if this is not rectified. Caine & Weiner recently responded to the CFPB with this information below. 

Our office received an account from the creditor XXXX XXXX with respect to this consumer in XX/XX/XXXX for recovery of unpaid auto insurance premiums. Please note the balance due was not owed to Caine & Weiner. We were unable to reach the consumer by phone. Our records indicate that the creditor still shows the balance as due by the consumer. In XX/XX/XXXX in response to a credit bureau dispute our office mailed the consumer correspondence detailing the policy number, vehicle types and coverage dates specific to this account for review. The policy was cancelled in XX/XX/XXXX. Creditor records indicate coverage was provided for multiple vehicles including a XXXX XXXX XXXX and a XXXX XXXX XXXX on a policy ending in XXXX and that a payment made in XX/XX/XXXX was insufficient to cover the premium balance due at the time of cancellation of the policy. In XX/XX/XXXX and again in XX/XX/XXXX our office mailed the consumer a copy of the final bill sent by the creditor to the consumer at the time of cancellation of the policy. Our files shows closed under a disputed status. We do not show any active credit bureau reporting on this account. We encourage the consumer to contact our office at XXXX XXXX for additional assistance. 

Im uploading 1 page of my XXXX XXXX credit report showing Caine & Weiner actively reporting to XXXX XXXX along with the letter I sent certified mail to Caine & Weiner. 

WHERE IS MY PROPER VALIDATION?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: DC
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:
Dear, Experian, XXXX, and XXXX. I am contacting you guys about my XXXX XXXX XXXX  on my credit report. I contacted the furnishers of this information about a lot of incorrect information being reported across all three of your bureaus. The misreported information is Late payments, Payment Status, Worst payment status, account status, times XX/XX/90 late, date of last payment, late payments. Now I contacted you guys separately about this information and you deemed it to be accurate but the problem is that all three bureaus have different information regarding the following stated above. I will be attaching a visual of the following mis matched info across all bureaus. 

After contacting credit acceptance, the furnisher of this information, they told me that they've been reporting accurate information to all three bureaus and that its basically your fault and that you're the ones who've misreported the information they gave you. I am asking for verifiable proof of this claim. ( Their reports to you guys of all the information furnished on my report from credit acceptance ) I will also be attaching their response of them stating that you guys are the ones who are misreporting which is a violation under the FCRA. Now, I believe that credit acceptance just didn't want to own up to their mistakes because to my understanding, you guys only furnish information given to you by the CRA. So I would like a copy of what credit acceptance has send to you to report about my file since their claiming they reported all accurate information. I am not asking for a copy of my credit report with them since I have that already. But verifiable proof of when they send you this information and what the information entailed as to see you if you guys are the ones who are actually misreporting the information this credit agency gave you or its them who is reporting mis matched information to you guys. 

Now if they did in fact send you the correct information and you guys have been misreporting it please know I will be taking legal action and asking for financial compensation as there's a lot of inaccurate information across all three bureaus and violations under the FCRA.

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 2022-02-07
Company: ID Analytics, Inc.
State: MD
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 never used SageStream and XXXX services before. What they did is illegally stole my personal information to sell to credit card applications and what not. I requested complete opt out and removal and they will not remove me without my SSN and date of birth ... which they should never have that information in the first place, nor an I giving a company that stole my information more of my personal information. I have tried going the XXXX  route and they continue to respond with the same response of they will send me a letter, which means they don't care about storing my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: MOHELA
State: TX
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 submitted my PSLF for my yearly submission early XX/XX/XXXX through Fedloans, I received an update on my qualifying payments on XX/XX/XXXX. I did not hear back from fedloans about qualifying payments updates until XX/XX/XXXX. But this was not a completed process and no other information was provided by fedloans about my PSLF. I was then notified on XX/XX/XXXX about transferring to new service provider ( MOHELA ) and then a partial update on PSLF status was received on XX/XX/XXXX but still not a complete process. Between XX/XX/XXXX and XX/XX/XXXX the transfer process had started from fedloans to MOHELA. I was able to access the portal for MOHELA and it showed that my PSLF was processed on XX/XX/XXXX but all payments were not updated for PSLF. I then waited as it stated my app was pending at that time and then updated to processed but try count did not reflect accurate numbers. I emailed, on XX/XX/XXXX, MOHELA for the status of this and they stated ( on XX/XX/XXXX, in a long email ) Thank you for contacting MOHELA, We apologize for any confusion. MOHELA is currently in the process of updating payment counts under the limited PSLF waiver. Therefore, your payment counts may not reflect the actual count until all of the updates are complete. Which has been confusing and frustrating since there has not been any other updates or progress with my account. I would like for this to be resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: QuadPay
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a product from XXXX using the QuadPay service for payment, splitting the purchase into 4 payments. But this product turned out to be the wrong item. At the instruction of XXXX customer service, I refused delivery and the item was returned to them on XX/XX/XXXX. I purchased a replacement also using QuadPay and waited for a refund on my first order. 

A refund was issued on XX/XX/XXXX, after XXXX had processed the returned item. I notified QuadPay and received an email that I needed to wait 13 days for the system to then process my refund. 

For the first order, I was charged a payment of {$190.00} upon ordering the item. Despite notifying Quad Pay with email and photo evidence of my return and refund from XXXX, QuadPay continue to charge payments, {$190.00} on XX/XX/XXXX and another is scheduled for XX/XX/XXXX. 

Additionally, the replacement order turned out to be defective. I returned the item to XXXX and again, have submitted proof of this refund to Quad Pay and they refuse to stop charging payments despite having evidence that this order has been refunded. 
Charged {$180.00} upon ordering, and {$180.00} on XX/XX/XXXX with another payment scheduled for XX/XX/XXXX. 

They refuse to work with me to resolve this, citing that they need to wait for " the system ''. I understand the need to wait for the refund to be issued to my bank but continuing to charge my accounts for items I have returned weeks ago seems a bit much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. the below listed account has violated my federally protected consumer rights XXXX XXXX XXXX account # XXXX My student loans are showing that I am 90 days late on my credit report but my loans have been in forbearance for four years while I go back to school. 

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 knows or has reason to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
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:
In alignment with the Fair Credit Reporting Act : The accounts listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX XXXX account number XXXX, and XXXXXXXX XXXX XXXX account number XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have 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 explanation
Consumer complaint received 2022-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital One Bank continues to report {$400.00} negatively on my credit report despite them admitting that the credit card was incorrect. I had a credit card with Capital One in XXXX, I paid the card off and cancelled because the verbal abuse I received at the hands of one of their customer associates. Fast forward years later, they have been reporting that I have a card that is paid off as agreed and another one that has been in collections for over eight years?! How?! Why would I get two credit cards from the same company, that verbally abused me??? it is truly XXXX  and XXXX. It was clearly a mistake and I recall calling the customer service line to inform them that I had cancelled the card and didnt have any other card, to which they responded saying that it was recently charged and usedthis was in XXXX. Fast forward to present day and it is still showing up on my account, I asked the Bureaus to dispute this showing that I have reports from XXXX that show the discrepancys ( due to the new dates that somehow keep updating to reflect present dates ) in the dates the card was allegedly opened. As you can see from one report from XXXX and current XXXX report data ; on one repot it shows a date of XXXX on another it shows open/reporting date XXXX! I would never, not in a million years apply for a credit card with Capital One after being disrespected by their customer service employee. This demonstrates how they and debt buyers would go to extreme lengths to make sure people suffer and dont have opportunities and fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint involves paypal fraudulent/unauthorized transactions. I reported 90 days of them as the law entitles me to do according to my attorney and then : 1. They gave back {$700.00} and {$33.00} and I transferred it all to my XXXX XXXX account and most of the money just disappeared I did have a negative balance, but it was less than the amount I deposited. 

2. Then I got an email stating that they due to my spending habits that they determined that all of the transactions were not fraudulent and disregarded.

3. I do not believe my XXXX XXXX account is connected to my paypal account, but I did transfer the funds from that account to my XXXXXXXX XXXX account because I had a negative balance and I also needed to make an overdue payment on my credit account with them. 

4. I believe that they may be using XXXX XXXX XXXX  or something similar as this is the second time that I opened up a financial institution and then I went back to look at it again and it was gone. I never delete anything so I know I did not delete it. 

I have more issues with PayPal than just this but this one is currently creating a hardship as I am XXXX but not on XXXX.

Company response to consumer: Closed with explanation