BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: GA
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 have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.

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 2019-09-17
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Refinanced a loan with freedom mortgage, At the beginning of XXXX I saw they charge me {$950.00} for property tax on a house in Florida, I called and kept calling they were always working on it, And when I would complain they would all of a sudden lose my insurance information and tax information, Call back the end of XXXX And they told me it could take quite some time to get a refund, Call back a few more times In XXXX And still no progress, So I just did a complete audit all the way up To present date, And I never got a refund no credit back to my escrow account and no check And now they don't know anything about it. All the Internet searches I have done with this company, This kind of problem is very prevalent. So I Desperately need some help to get my {$950.00} + intrest back. Thank you :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collector keeps calling me about a family members debt. I do not own this debt yet they call me everyday while I am working from home. I told them to stop but it keeps coming.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I paid my XX/XX/2020 bill, it was short by {$500.00}. Rather than accept the amount and charge me interest on {$500.00}, Bank of America rejected the entire amount and charged me interest on that amount. Then, they waited an entire month to tell me that there was an issue. They didn't include it in my new balance, however, and it was hidden so I missed it for another month because I was sick with XXXX XXXX. When I spoke with them they refuse to do anything and tried to explain that it was just the way they do things. I think this is predatory and they hide the information on purpose so they make millions in fees.

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 2021-08-20
Company: Jon Barry and Associates, Inc.
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: Information belongs to someone else

Complaint:
There is a collections amount of {$37.00} from XXXX XXXX XXXX that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Filed dispute with my bank BB & T. They closed dispute and still have not gotten my money back for services not rendered. We booked a vacation with XXXX. They cancelled our trip on XX/XX/20. Our trip was for XX/XX/20 thru XX/XX/20. They have not refunded our money. We are owed {$2100.00}.

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 explanation
Consumer complaint received 2017-12-06
Company: FIRST CASH FINANCIAL SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/X/17 I was informed via email from my former employer that the company card that I had lost was used that i was to remit payment for the transactions or they would file charges with the court. I recently moved to VA from Ohio, meanwhile the card was used in NY. The company has held my last paycheck and halted my XXXX pay out that exceeds the amount being asked for. telling me i only have XXXX hours before I 'm arrested. I had a breach with my personal bank account and I was not aware that it had also affected my assumed to be closed work account because I no longer work for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX and on XX/XX/XXXX I had a total of two unsubsidized direct loans received to me to pay for school at XXXX XXXX XXXX XXXX in XXXX, CO and XXXX XXXX XXXX XXXX in XXXX, CO. I received the loans with the understanding I would have to pay them back. However, I was not informed by Navient and in fact mislead with my loan going into forbearance with no status update/options from the company. I received automated calls which I mistook for spam and when I tried to reach somebody at Navient they were not helpful in describing my options and how the interest that would accrue from a delay would negatively impact my credit score. 

Had I known that my loans needed to be paid at a certain date in XXXX or XXXX without any delay, I would have contacted my parents to help pay for them. Ultimately, my dad helped pay for the loans in XXXX which amounted to well over {$1000.00} in interest. 

I would like for this loan history to be erased from my credit score because I was greatly misled by Navient for about 5 years regrading my loans. I had no idea what my repayment options were even after attempting to look into my account several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Delbert Services
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company was formally " XXXX XXXX '' There was a settlement for XXXX according to the Virginia Attorney General 's office. Now they are operating under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I have filed a previous complaint ( # XXXX ). They sent me a payment arrangement schedule.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
We are in the process of applying for a refinance on our home. Previously received an incorrect score from Equifax and the problem occurred again today. I previously attempted to dispute the information online at Equifax but was unable to proceed due to message " you currently have no negative information ''. I then ordered a complete credit report with a score. The credit report / score provided to me does not match score being reported to a lender. I called Equifax and spoke to representative who advised he was unable to assist me as the data he was looking at did not match what was reported to lender. 

Per report provided to lender on XX/XX/2021 Equifax score was XXXX Per report provided to lender on XX/XX/2021 Equifax score was XXXX. 
Unable to dispute online as there is no negative information on the file Credit score received directly from Equifax on XX/XX/2021 is XXXX I have documentation for all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello Officer, Greetings. 

I opened the CITI bank account on XX/XX/XXXX, with depositing more than {$50000.00} dollars. The promotion should give me {$600.00} dollars if I maintain the balance of {$50000.00} for 90 days. 

I didn't get any promotion reward. 

I started to contact CITI on last month, from online to offline. They tried to send me to the branch, but there is no branch at where I live now. 

I also contacted the XXXX XXXX XXXX XXXX branch, where I opened my account. I called several times for solution, they only tole me that they are on investigation. For now, I didn't get any calls from them. It's me calling them again and again. 

I just want to my promotion reward back now, after depositing my {$50000.00} for more than two years, I should get the reward. 

Thanks

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 2020-01-20
Company: Capio Partners, LLC
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: Billing dispute for services

Complaint:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX has violated my rights. 

15 U.S.C1681 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.

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 2018-04-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted Equifax on-line, via phone and submitted a written complaint on a state of Kansas released and satisfied tax lien. most current case number is # XXXX dated XX/XX/2018. 
The lien has been satisfied, released and only Equifax continues to show the lien on my credit file. Both Transunion and Experian have removed all information related to the Kansas tax lien. 
I have contacted the state of Kansas - tax compliance department. They shared that Equifax is obtaining the information from XXXX and it is Equifax 's choice to use Lexis vs. the document they have provided showing satisfaction and release. 
The state of KS is stating it's satisfied and has released the lien and Equifax chooses to use a third party vendor and continue reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Nelnet, Inc.
State: FL
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:
Since XX/XX/XXXX I have been trying to get my student loans errors corrected. 
On my credit report the Nelnet company is reporting the same information 3xs on my XXXX, XXXX, XXXX, XXXX & etc. reports showing all loans have increased in XX/XX/XXXX through XX/XX/XXXX in red. 
Signaling that I'm late in paying when I haven't started paying because I'm still attending school and my loans are in Deferment. 
The loans are subsidized and unsubsidized and are not to increase while in deferment. 
Nelnet company is refusing to correct how they are reporting my accounts making my credit profile look like I'm paying my loans late which is not true it's a lie. 

The Nelnet accounts I'm referring to are as follows : # XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate acct. being reported as mine not true only one is not both ) # XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate acct. only one is not both ) #  XXXX ; # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) ; # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) ; # XXXX ; # XXXX ( is a duplicate one is not one )  ; # XXXX ; # XXXX ( is a duplicate one is not mine ) # XXXX ; # XXXX ; # XXXX ( is a duplicate one is not mine ) # XXXX ; # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: AmeriCash Holding LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX, sent a letter to my employer treating to garnish my wages. I asked the company not to contact my employer and I also told them i need o pay my loan with a different account. 

They have called me more than 5 times a day even at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 I provided XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) the required written notice, within the required time, to formally notify them that I was exercising my right to terminate the Apartment Lease Contract between me and XXXX XXXX XXXX as was outlined under paragraph 31 of the lease contract ( Responsibilities of Owner ) for their failure to perform timely maintenance. Rent was paid in full and no amounts were due through my last day of tenancy ( XX/XX/2017 ). They clearly failed to perform on more than one occasion for the same issue never being addressed until after my notification of termination. Despite multiple attempts to inform their corporate billing offices of the situation, the information was ignored and never resolved in the manner it should have been if they had a legitimate dispute. Incorrect billing of amounts not owed was passed on to XXXX XXXX XXXX for collections resulting in an false unpaid amount of {$2300.00} being reported as derogatory on my credit report. Extensive documentation is being included with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: JPMORGAN CHASE & CO.
State: NC
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by Chase credit card company. I called the Chase credit card company and chase did not comply with my actions. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The inquiries on my credit XXXX report : XX/XX/2018, XX/XX/2018, XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company XXXX, XXXX XXXX was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, Midland was included on the bankruptcy petition, and notified. XXXX XXXX XXXX was also notified of this action. The bankruptcy was discharged on  XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt and what do I do? The clerks office told me to contact XXXX XXXX XXXX XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ XXXX XXXX XXXX. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: NC
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 have filed a disput in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information 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:
I’ve been having the worst luck with my credit being used and my identity being stolen. My account should have a theft alert. There is yet another account being falsely placed on my credit report and I have Zero connnections with this company. The company name is XXXX XXXX For the fraud amount of XXXX. This is not my account nor have I opened An account with them. Please have this removed

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 2019-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.

Company response to consumer: Closed with non-monetary relief