BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Americollect violated my HIPPA RIGHTS by somehow WITHOUT my verbal or written permission gained access to the procedure I received during a hospital visit. Nothing in any of my previous complaints against this company explicitly meany with plain language givea them the permission to access that info. XXXX XXXX XXXX should be very ashamed for divulging personal medical info without speaking directly with the patient. Medical info is highly protected. I DID NOT AT ANYTIME WHATSOEVER give AMERICOLLECT access to that private info. The only info I was aware they had was what was the amount of the debt. What they have done can not be allowed to happen to anyone. This is a blatant display of A HIPPA VIOLATION. 

Please see attached for further statements on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions Inc.
State: WI
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:
Please see attached document for full details of complaint. Experian has failed to conduct a proper investigation and I am demanding a full description of the procedures used to substantiate the conclusions of their investigation into the following accounts : XXXX XXXX XXXX ******* I am preparing to take civil action if this request is not handled properly*****

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 2019-10-16
Company: Caliber Home Loans, Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Trying to close to sell 6 properties. Release of motgage taking to long to release. 
Mortgage holder name CALIBER HOME LOANS XXXX XXXX XXXX  XXXX closing company asked CALIBER HOME LOANS to release on XX/XX/2019 CA LIBER HOME LOANS released 2 of 6 properties on XX/XX/2019 ( over 3 mo 's ) CALIBER HOME LOANS still has to release 4 more properties. 
Closing company having extremely hard time to contact CALIBER, it can only done thru email and can take 60 to 120 day 's for respond. 
I'm losing buyers because it's taking to long to clear title to sell Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an {$800.00} account in collections on my credit report that I have not made. I have tried to contact the previous collections company but the number was not good and I could never speak to anyone. The current company spoke to me and told me the debt is from an emergency room visit for vomiting for 2017. I do not remember this visit, and I had insurance at that time so I should have no bill. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A few weeks ago I sent this bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

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 2017-07-13
Company: Experian Information Solutions Inc.
State: TX
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 have been working with Experian for no less than 5 months to correct inaccuracies in my credit report.. One item they keep including the wrong data. My last dispute for this item was made in early   XX/XX/XXXX  . The account was with  XXXX   XXXX  and the last  XXXX  digits of the account number is  XXXX .  <P/> I finally brokered a conference call between  XXXX   XXXX  and Experian to resolve the issue.  XXXX   XXXX  told Experian they had not reported on this account since  XXXX  even though Experiean was showing late payments in the last 30 days. The account was paid off in  XXXX .  <P/> After the call Experian said they would remove the erroneous information  ( Late  Payments ) from my report. As of today Experian is still showing late payments in the last 30 days.  <P/> I have made at least  5 c alls trying to resolve this issue. Experian transfers me from  one  line to the next or leaves me on hold for long periods of time. I have been able to speak with a couple of different people that said that the file would be corrected. IT HAS NOT BEEN CORRECTED.

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 2019-01-27
Company: Smith, Rouchon & Associates, Inc.
State: MS
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 checked my credit score and found a derogatory remark from a company called Smith Rouchn, claiming I owed them {$55.00}. I have never heard of or from this company before, but after XXXX   them, I found nothing but 1 star reviews from people with the exact same problem. It looks like a scam company to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by 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 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I had a credit card with Bank of America for over XXXX years ; that I have never, ever missed a payment on. 

In XXXX ; after I had a few fraudulent charges on my card they closed the account on me and would not give me any explanation. They claimed they sent me letters XXXX  but they were lying. 

Even though they closed the card I have continued making the payments on time. 

However I noticed my balance was going up ; went to the branch and was told they had charged me late fees. Apparently they decided to raise my monthly minimum payment ; didnt notify me ; then added late fees ; which they refuse to remove. 

This is ridiculous ; all Bank Of America does is charge consumers excessive fees and they keep getting in trouble for it over and over and over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The CRA is reporting that I am 30 days late on my XX/XX/2019 payment, this is not correct, I have submitted my payment confirmation that validates my dispute.

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 2017-09-15
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: Account status incorrect

Complaint:
XXXX reported all my accounts as 90-day late in XXXX  2017 when in fact my forbearance covered the following  months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX/2017 and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX17 to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

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 2019-10-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed with Credit reporting agency regarding inquires and accounts opened in my name. I have attached a updated FTC report to support my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was under contract with XXXX XXXX from XXXX to XXXX I completed my obligation and sent the final bill on XXXX/XXXX/XXXX for the amount of {$100.00}. I included the final payment and the phone in the same envelope and sent the payment and the phone as directed by XXXX representative " XXXX " on XXXX/XXXX/XXXX The package was opened and the check was cashed by XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I rec a request for payment from XXXX for the amount of {$220.00} for the Phone I contacted XXXX and Informed Their customer service of the actions taken to return the phone and to make the last payment as required. XXXX stated they did not received the phone. I informed them of the procedures I took to complete my obligation of the contract.. It would make it very difficult to cash the check without taking the phone, Bill and Check out of the same envelope I received several correspondence from XXXX over the next several months providing them the same information. All correspondence with XXXX received after the contract was " this issue has been resolved ''. This was not true. I received several letters from XXXX XXXX XXXX { Collection agency ) company and informed them of the situation. No resolution from the collection agency. This agency stated it has to be resolved with XXXX and wanted a partial payment to resolve this. I refused to make any payment for Items that have been returned. Thank you 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 explanation
Consumer complaint received 2018-01-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX XXXX I opened a XXXX XXXX XXXX card which advertised an annual {$300.00} travel credit benefit. On XXXX XXXX, XXXX I used the card for a travel purchase and received a {$300.00} credit from Chase on the same day. Given it happened within XXXX I believed the credit should be counted towards XXXX and I would be eligible for the credit again for XXXX. However, after I used the card multiple times for travel purposes in XXXX I did n't receive any credit. On XXXX XXXX, XXXX, I contacted Chase about the issue. The customer representative explained the XXXX XXXX, XXXX travel purchase and the corresponding {$300.00} credit in fact counted towards XXXX because even though they happened within XXXX they appeared in XXXX XXXX statement. 
At the time of opening the account, I did not receive any explanation that a difference between the date of a transaction and the date such transaction appears on the statement would have a critical impact on how the travel credit would be applied. Such subtle difference, even disclosed clearly, would be extremely confusing for a consumer to understand and manage. Such misleading advertisement directly led to my financial loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In correspondence dated   XX/XX/XXXX    , I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted this company for validation of this debt to no avail. The dates that I've been in contact with them was XX/XX/XXXX - XX/XX/XXXX with no valid responses.

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 2019-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are saying I haven't paid my mortgage when in fact they are holding two of my payments now in a " suspense '' status and charging me late fees. 

I paid XX/XX/XXXX and XX/XX/XXXX my XXXX and XXXX payments, but they have not posted them. 

My mortgage payment is usually {$780.00} and I always pay {$800.00}. This year they came up with a formula to include extra padding for escrow with a payment of {$810.00} and I told them I am not paying their extra buffer over and above {$800.00} when I have the option of paying any escrow shortage at the end of the year. They have been giving me trouble ever since and it is affecting my credit. I want them punished because what they are doing is wrong! They need to be fined per the Fair Credit Reporting Act for one!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Public record information inaccurate

Complaint:
I had a dispute with the IRS for tax year   XXXX   which was successfully ruled in my favor. During the dispute process CA state issued a tax lien against me. They later reversed this lein as it was issued on false information gathered from the IRS. The lien was released less than  two  months later but had already been placed on my credit. This should be removed from my credit report by all  XXXX  credit agencies not just shown as released. Again I never owed this money therefore the lien should never have been filed and the credit agencies are reporting it as if I did and paid it.

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 2019-10-16
Company: EQUIFAX, INC.
State: MD
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 wrote and had notarized a signed letter and sent it via certified mail through the USPS to Equifax. The letter was received by Equifax on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. I have not received the results of the investigation.

The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed and/or I have not received the results of my request.

The letter also requested incorrect addresses be deleted, the requested revisions were not performed and/or I have not received the results. On further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested the Fraud Flag and/or personal statement be Removed from my credit report. I have not received confirmation this was completed and/or I have not been given a copy of my new credit report with the required changes. 
The letter requested my telephone numbers be added to my credit report. I have not received notice of or received a copy of my credit report with the requested changes. 
To date I have not received physical proof validating any requests of a physical proof of the accounts or inquires or requested changes. 
The only physical letter received from Equifax was dated XX/XX/2019 requesting that I mail them a copy of my drivers license and social security card for proof of identity and current address. This redundant request was ignored by me because Equifax was already provided a copy of both documents and is not needed by law to comply with my request. This was a blatant stall tactic with the intent to harm my reputation and personal credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: EQUIFAX, INC.
State: FL
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:
I have disputed an unfair charge on my Equifax report 1 time through XXXX XXXX and then 8 additional times directly on Equifax, but Equifax refuses to remove it from my profile. I have been reporting this since XX/XX/2021 and even the company that sent them the supposed debt already verified and agreed over 2 months ago that I do not owe anything, but Equifax refuses to remove it. Every time I apply for credit cards or loans, are denied just because of this derogatory mark Equifax refuse to remove from my profile for no apparent reason. They refuse to answer any questions. I need law enforcement in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, we applied for a loan with XXXX ( now XXXX XXXX ) for a second mortgage. We entered into a contract on XX/XX/XXXX for a line of credit, in the sum of up to {$100000.00}. The contract consisted of a closing on the same date and we were advised that flood insurance was not required. We are informed and believed that the bank had an erroneous Flood Determination but in fact our house was in a Special Flood Zone Area. In addition, the mortgage claims a lien on Lot XXXX, XXXX XXXX XXXX XXXX XXXX  THE CITY OF XXXX, XXXX  XXXX, NORTH CAROLINA RECORDED IN PLAT BOOK 38, PAGE 17 when in fact our lot is 133, Section 4, Cross Creek Subdivision, in Map Book 38, Page 17 and that lot 113 is clearly not in a Special Flood Zone Area. This error clearly made the bank fail to comply with the National Flood Insurance Reform Act of 1994. 
In addition and coincidentally, at approximately the same time we received notice from XXXX  XXXX XXXX that our lot was no longer in a Flood Zone and that we did not need Flood Insurance. We believe that the error regarding the lot number and because of communication between the first and second mortgage holders regarding the erroneous lot and flood insurance requirement, {$170000.00} worth of Flood Insurance expired. 
On XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly and according to the DCMS Loss Verification Report by the Small Business Administration, the home is irreparable based on depth and duration of flooding. Attached is all the supporting documentation.

Company response to consumer: Closed with explanation