BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-13
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the second time I have had to make a formal complaint about this company on this site. ARSTRAT, a debt collector has on multiple occasions not applied my monthly payments to my balance. I have proof from credit card and bank statements that these payments were cleared through my accounts to ARSTRAT but ARSTRAT claims they can not see the payments on their end and that the balance they show is correct. I made a complaint with this website in XX/XX/XXXX and I was contacted by a supervisor from ARSTRAT and she straightened everything out and apologized for their mistake. She assured me it would not happen again but it has continued. I have made my agreed upon payments every month but my balance does not reflect my payments and no one at ARSTRAT will own up to their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations. 

How did you verify these inaccurate accounts? 

Did you talk to the court and if you did who did you talk with at the court? 

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?

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 2018-01-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Provided all requested documentation and was denied due to incomplete information. I have all of the emails to the company at the following times sending all information : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All documentation was sent ; however, I was told that they were missing documentation. This is not the case. 

/thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Elevate Recoveries, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Elevate Recoveries , LLC reported a mark on my credit file regarding a debt. They reported false statements on their letter stating they are licensed in Tennessee. This mark should be removed. They have misrepresented the Tennessee Collection Service Board of the Department of Commerce and Insurance. They are violating State licensing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Begin XX/XX/XXXX and continuing. 

Experian - IMPOSSIBLE to get thru to person to resolve. Impossible to get through phone tree or website to resolve. 

Spouse and I both prior victims of ID Theft. Froze credit files originally in XXXX. Extended Fraud Alerts also in place. This, at all three bureaus. 

XXXX and XXXX have not been a big problem. XPN though, from DAY ONE has been exceedingly difficult, at first getting freeze in place, over time having temporary lifts placed AND NOW, having jumped through hoops to temporarily remove a freeze, we find that they ARE NOT correctly including confirmation telephone numbers on fraud alert. 

We can not correct either through their site their automated phone system. Worse, after numerous attempts we can not reach a person of any kind to resolve. This causing delays in our obtaining needed financing through NO FAULT OF OURS. We have confirmed with both XXXX and XXXX that they are properly showing our correct contact phone numbers on extended fraud alerts. But have NO way to reach XPN to resolve. Since fraud alerts are identical at all three bureaus, it is MIND BOGGLING that the others have it right and XPN continues to infuriate. 

HOW CAN WE REACH A PERSON AT XPN TO FIX THIS MESS???

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 2021-02-24
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
GLA is attempted to continue collections with an original creditor : XXXX XXXX XXXX for account : XXXX. This debt has been settled in full based upon the agreement and restrictive endorsement cashier 's check sent to them sent via certified mail XX/XX/2021. Approximately XX/XX/2021, I received confirmation from my bank that they have cashed the check and therefore accepting the collect paid in full/settlement of debt in full. However upon reviewing my credit profile on XX/XX/2021 I see the collection 's amount updated to {$170.00}. 

Item One : Settlement offer sent Item Two : Settlement restrictive endorsed check Item Three : Collections account reflect balance of {$420.00} Item Four : Collections account updated to reflect balance of {$170.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Conn's, Inc.
State: CO
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 had opened up an installment loan with a company for a microwave and some furniture however i returned the furniture and was told that i was issued a credit to my account so my balance was lowered to about 1,000.  But now i not only have the original account on my credit report but also another one from the same company when i only had 1 account. I was never issued a credit and now my debt is twice as much even. No one that i talk to you can or will help me with the company and i have tried disputing it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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:
On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts Account Name ( XXXX XXXX XXXX XXXX ) , are to be blocked and cease to be reporting on my consumer file

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 2022-08-06
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: Information belongs to someone else

Complaint:
I have no a knowledge of this account according to the FCRA This item must be 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 non-monetary relief
Consumer complaint received 2017-12-13
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-07-07
Company: JPMORGAN CHASE & CO.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
During the time frame of XX/XX/2017 to XX/XX/2017, I was stationed at XXXX XXXX, SC, attending XXXX XXXX. During this time I had no access to my account and was unable to make phone calls, My rights under the The Servicemembers Civil Relief Act, protected me from missing payments during training under these months. After training, I made multiple attempts to contact Chase to settle these issues, only to be denied access to my accounts due to my email address being compromised. I settled by making payments on my account, but my credit was severely affected. As this credit is 3 years old, I have been forward deployed to XXXX for 3 years, with 1 year being in the XXXX XXXX, and other parts of the earth. I am now trying to settle this dispute again, after multiple calls from my wife, who was denied access to my information, even with a power of attorney. I wish to fix my credit at this time, erase the credit history that was built up due to lack of communication, and be reimbursed accordingly to the SCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: Dynamic Recovery Solutions, LLC
State: CA
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 have been contacted by ; DYNAMIC RECOVERY SOLUTIONS They state the Current Creditor is : XXXX XXXX XXXX. They do not have a full original account number and only show four digits for a presumed account. 
They state the Total Outstanding Balance : {$17000.00} I received the last letter from them dated : XX/XX/2020 They have been consistently calling my home phone at all hours of the day and night trying to hassle me into agree to owing said amount. I have hung up and now do not wait for the call to connect before hanging up. I have requested they no longer contact me at the number they have. 

I do not owe this amount to DYNAMIC RECOVERY SOLUTIONS. My credit is good and I have no interest in their presumed offer to resolve said debt. Any previously owed money has passed the law of limitations and I can no longer be sued nor can it be reported. This has been many, many years ago. 

They state that " the law limits how long I can be sued on a debt. Because of the age of my debt, XXXX XXXX XXXX will not sue me for it, and XXXX XXXX will not report it to any credit reporting agency ''. 

I wish for this company to cease and desist contacting me for presumed debit or any other reason. 

Thank you for your help in this matter as I have been unsuccessful in getting this company to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Auto loans or leases Total balance : {$22000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX XXXX XXXXotal balance : {$30000.00} DEPT OF EDXXXX Balance {$30000.00} Balance updated XX/XX/XXXX 6 closed accounts XXXX XXXX Total balance : {$690.00} 2 closed accounts XXXX Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$250.00} Balance updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
XXXX These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 2022-08-06
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of XXXX multiple times and have XXXX all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at XXXX and they admitted error and it would be fixed. its been years since I've been fighting this error with XXXX. Account has been paid off and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-02-02
Company: Regional Management Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a loan from regional finance and began making payments on the loan. Due to economic hardship, I began having problems making on-time payments. I made payments that I could and worked with the company to refinance the loan. The company has appeared to lose my paperwork on XXXX separate occasions which have resulted in failure to refinance the loan. As a result, I have had the company call my work and personal cell phone non-stop disrupting my ability to work. I provided proof that all documentation was supplied as requested. 

Additionally, the about to refinance and assist me is now higher than the original amount borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, Transaction details : This claim is regarding the Transfer No. : XXXX XXXX XXXX XXXX from XXXX. The money transaction is made to a different bank than what was provided in recipient 's details. Transaction details are as below : Submitted : XX/XX/2018 XXXX PM PST Currency : INR Available : XX/XX/2018 XXXX AM PST, XX/XX/2018 XXXX PM IST Payment Method : XXXX XXXX XXXX, NA Acct. ending in XXXX Amount Sent : XXXX XXXX Fee : XXXX USD Total Amount Charged : {$2000.00} USD Net Recipient Amount : XXXX INR Exchange Rate : XXXX USD = XXXX INR Recipient Bank Details : The account number of Recipient was incorrect. But the IFSC code and Bank name were all entered correctly. Upon checking with recipient bank they mentioned that the money is transferred to a different bank. I am not sure how the IFSC code was ignored and the money was transferred to a different bank. 
Recipient 's Bank details are as below : Bank : XXXX XXXX  XXXX Info : XXXX, XXXX IFSC code : XXXX -- correct Claim Details : I logged a claim on " XX/XX/2018 '' which was 8 days after the transaction was complete. I was initially given the case number as " CaseId - XXXX '' but this case number no longer exists. Here is the new case reference number # XXXX & XXXX. 

The agent 's response has always been that " they are waiting for the partner bank to respond ''. Its been 9 days and the fact that XXXX was not able to establish any communication with the partner bank, scares me. I fear loosing my money. Please help and Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I received a letter from Mr. Cooper aka Nationstar in the mail stating that I would need to show prove of insurance. I did called and uploaded the prove to them. In XXXX, I received another letter and I did call them again and they state that did not received. I did uploaded and called them back and they did confirmed that it was received and it will be removed in 10 days. I received an overdraft on XX/XX/XXXX and nothing was fixed. I called their escrow company XX/XX/XXXX and they said they will have to send their insurance company another message to clear so it can be reversed. XX/XX/XXXX, I called them again to check if it is resolve since my online account does not reflect any credit. The representative said they're still waiting for escrow to reverse it. I called back XX/XX/XXXX and nothing was done yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I 'm a co-signer on the XXXX private loan, sold to navient ans several other company contact or locator service. I did try to get my interest rated reduced as I 'm currently on retired on fixed income, SSA. 
The loan was for XXXX XXXX and I 'm the co-signer. 
I would request a interest reduction to allow me the possibility get this loan paid off. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Never received a debit validation letter to prove its by debit or letter with my signature stating that I agreed to the contact needs to be removed off my transunion and experian accounts immediately

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 2020-11-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
A late payment is reported on my credit report. XXXX had my wrong address, I wasn't receiving any mail-in statements or bills. Online website was changed and I was unable to see any payment requests.

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 2018-02-20
Company: FRESNO CREDIT BUREAU
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting {$570.00} medical debt, without providing the proper proof which validates the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible

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