BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: Medical Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company is billing me for the amount that the insurance company considers a discount and the amount is not owed by the patient. The patient paid the {$150.00} hospital deductible at the time of service and that was the only amount owed. Paid in full to XXXX XXXX in XXXX 2017. The EOB confirming this information will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Since engaging with Loan Depot on XX/XX/2019, 106 days has passed and they still have not closed on this re-finance. 

My loan officer, XXXX XXXX, painted a great picture of why I should go with them, as opposed to the other 5 lenders I was working with. Being an informed buyer, I do a lot of research when it comes to large purchases. The 45 day window of hard inquiries being grouped as one by credit bureaus, from shopping lenders had passed. I paid to lock in a rate, while a lender credit & rate match were being applied for, not complete. 

Working in the typical window of 25-45 days to close, XXXX packaged up my loan and sent to underwriting where I guess it got lodged. I must have fallen to the bottom of the pile, as chasing him for updates, he forgot all the details. Understanding that I am one of  many customers, I provided all details to get us back on track, including an appraisal transfer from another poor lender experience, XXXX. However, so much time had passed, I think the rate lock expired, and he began quoting new, much more expensive loan estimates which irritated me. He forgot the details including blaming me for not disclosing a silent second. I put the ownership back on him, as I disclosed everything from the beginning with evidence. My monthly statement and his own loan estimates that had the full payoff. 

Getting more frustrated, I escalated to his manager, XXXX XXXX, by calling to provide context & including him on our email threads. Today, I don't believe anything has moved. I am considering legal action because of what I've paid in appraisal & the hard pings to my credit yielded nothing. Also, I'm being advised to go back to the drawing board to shop lenders again, further impacting my FICO score. 

I feel it's reprehensible to treat customers like this, dragging things out, changing the terms after what was promised, not communicating consistently after things have been escalated. 

Hopefully this serves as a warning to other prospective homeowners and the company 's leadership gets involved in cases like mine that exceed the normal timeline. It occured to me I should cc XXXX XXXX, but can not find an email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: United Check Recovery Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I asked for the company address so that I could write a letter they provided the wrong address to me. I was unable to send any letters to them. They continue to call on a automatic dialer. I am unable to ask them to stop or to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: ClearPath Lending
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This is a CONTINUATION of complaint # XXXX with XXXX and XXXX XXXX vs Clear Path Lending. As of today, XX/XX/2020, we have CONTINUED TO RECEIVE mailings from Clear Path Lending, despite all the steps that we have taken to have them cease and desist their onslaught of unwanted marketing solicitations!!!!! 

What can a consumer do??? It's unnerving, really! The waste and unmitigated gall that they have promised in writing to you that they will not contact us and lied and still continue to clutter our lives with unsolicited marketing is a real concern to me as to whether they have any regard for authoritative limits at all. We have said, " Stop '' ; you have told them to stop, but have they? Evidently NOT!!! Are they above the law and conscience? 

PLEASE, what can we do to STOP these people??? If they are doing this to us, they are doing this to millions of other VA home owners, bless their hearts, and they don't deserve that either. No Veteran does.

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 2023-08-15
Company: Grain Technology, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have autopay setup on my Grain Tech Inc. account and have made every payment on time however was informed that my account reported to the credit bureaus as delinquent. I have records showing I made payments. When I contact grain there is only an automated phone tree that loops back and no live agent is ever available. The only other option is emailing their customer service and I have not received a response in weeks. I also tried to access my account through the grain app but have been unable to login for the past XXXX months. I have reset my password and reinstalled the app multiple times and it does not ever login. I am at my wits end. My credit has been damaged despite having made payments on time, and now I am unable to resolve the issue in a timely manner with grain directly. Please let me know what I can do, and if you have any questions. Thank you for your help with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/2023 I dispute the amount of {$15000.00}, dates and status of account. I asked them to do a verification and they stated that everything was accurate. I then double checked and still found inaccuracies on the credit report. 

In accordance with the Credit Reporting Act XXXX  account XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A 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 2022-01-13
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:
I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to XXXX XXXX XXXX : Late Payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
IN XXXX, I became divorced from XXXX XXXX, who holds a mortgage at LOAN CARE. The divorce decree requires that I refinance this property into my name. The property title has been quit claimed and in my name since XXXX. I am now in the process of doing a refinance, and I can not obtain pertaint information to finish my refinance. 
The contact with my ex husband is EXTREMELY limited. I can not get any information from him. I have faxed my documents to them in XXXX in reference to a fire and insurance claim, so they KNOW that I am the owner and have seen these documents. 
I can not speak with anyone there. No one picks the phone. I constantly need my ex husbands information which I do not have. 
I must obtain a 12 month mortgage payment history, mortgage statements, and a payoff. How can I fulfill the divorce decree requests if this lender does not cooperate with me. I have been the paying the mortgage for years. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: GA
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 gave written consent to share my personal information with Equifax, XXXX  or XXXX. 


To whom it may concern, Under 15 U.S.Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
TO WHOM IT MAY CONCERN I have below the documents ( Note, Disclosure, and Security Agreement NONNEGOTIABLE PROMISSORY NOTE and FINAL ADDENDUM TO NOTE, DISCLOSURE, AND SECURITY AGREEMENT ) I received it at the beginning of my consumer credit transaction made with USAA. pursuant to 15 USC 1635 ( a ) I was supposed to be informed of my right to recession and I had until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. as seen below I have never received said documents which would mean my right to rescind is still in effect. I hereby rescind the transaction made between me and USAA and I demand that you CEASE AND DESIST FURNISHING ON MY CONSUMER REPORT, ALL COMMUNICATION WITH MYSELF IN ATTEMPTS TO COLLECT A DEBT, AND FURNISHING MY PRIVATE INFORMATION TO THIRD PARTY DEBT COLLECTORS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A few years ago I had issues with Chase, my mortgage company. I came home to a sheriff sale paper on my door. I called Chase only to find out I was XXXX payments behind! That blew my mind. I went on my bank account because I had electronic withdrawal directly to Chase, and I found my payments were sent to Chase. So I called the bank and they said the payments are marked as paid! {$10000.00} paid but Chase claimed they never received anything. And then I noticed payments had stopped being withdrawn after that. Im was not one to check my account all the time. Never received one late notice or a phone call stating I was even one payment behind. I had to get a lawyer for a modification in order to keep my house, which I had received after a long go around with Chase. Only to find out I got nailed with a {$43000.00} penalty because of the late fees, interest, etc. which would have to be paid if I were to sell my house or pay it off, on top of paying off my mortgage payments. I had struggled since then to get back on my feet. This is why I am looking for help a few years later. Nobody can tell me what happened to the {$10000.00} they " never '' received that started this nightmare in the first place. I have my bank statements stating it was paid to Chase, but my lawyer was just worried about the re modification and not helping with all the money I paid that someone received and was never accounted for. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NV
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV is continuing to report inaccurate accounts to my credit file. They are in complete violation. Not only has LVNV failed to notify me to let me know there was an alleged debt and it will be reported to credit agencies. They were informed that I am a victim of identity theft and this account is a result of identity theft yet they still failed to do an investigation. LVNV has no legal documents bearing my signature and I have never had any business dealings with them nor the company they represent. Yet they are reporting 2 accounts on my credit file in the amount of {$1800.00} and in the amount of {$980.00} of which both needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried multiple times the past year to close my account with US bank. I originally created an account so that our mortgage rates through them would be cheaper. This was back in XX/XX/2017. I was told that after this, and all our closing funds were in the account and closing and the closing was completed ( in XX/XX/2017 ) that I could close the account. 
Immediately after the closing, I had {$100.00} in my account. I was told to wait for the notice that the closing was completed and I could close the account. In XX/XX/2017, I received a bill because I had less than {$10000.00} in my account. I called and was told they would cut the fee back and I could close the account. The next month, XX/XX/XXXX, I receive another bill. I called and complained and so on and so forth every month ever since. 
I had gone in the close the account in XX/XX/2017. The bank refused to close the account because they had continued to bill me and I was told Id have to pay {$120.00} in their fees to have the account closed. This was not a fee for closing the account, but because I had been under {$10000.00} since after our XX/XX/XXXX closing in the account. 
Theyve taken {$100.00} that was left in the account and have been trying to add to the bill every month. 
This month, today, I sent a letter informing them, as I have over the phone in XX/XX/2017, that I was CLOSING THE ACCOUNT. I refuse to pay this bill as I was never notified about being charged for my account being less than {$10000.00} initially when the account was opened. 
Ive called and spoken with the managers of branches and all in between. 
I will not pay them a dime. They have {$100.00} of my money and keep trying to charge me more.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 


1.XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2023-07-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I have contacted Equifax multiple times and sent the requested documents to them. For years they lie about not being able to locate my credit profile. Which is complete nonsense, its impossible to get them on the phone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke with XXXX from the company on XX/XX/19 on a collection item with the amount they claim I owe of XXXX reported on my credit file ask for validation and licensing to collect in my state a havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Thursday XX/XX/XXXX I received a call from an unknown number which I ignored. Moments later I received a call from my son stating that he just got a call. When he answered the phone, the man said " Is this XXXX XXXX, Social Security number XXXX  ( actually reading off his social ) my son said yes, now who the XXXX is this. The man asked if he knew me. My son said yes, what is this about?. The man said " She knows what this is about. Have her call XXXX extension XXXX. He then hung up on my son. I then called this number and asked this person who he was and explained that what he did is illegal. He stated " no its not. Just wait for your papers in the mail. '' The company is XXXX XXXX of XXXX NH, hired by Midland Credit Managment. I have a job that requires clearance. This company calling relatives and rattling off social security numbers without knowing who they are speaking with is a breach. Can someone please educate them. Thank you.

Company response to consumer: Closed with non-monetary relief