BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have written this collections company by certified mail asking them to validate the four accounts that they are reporting on my credit reports. I have not receive anything from them about this alleged debt. Also with further investigation I found that they are not licensed to do business of debt collections is the state of Florida. They are reporting to the credit bureaus that I allegedly owe XXXX, XXXX, XXXX, and XXXX. It has been well over 60 days and I have n't heard or received anything back from this company. I would like for them to immediately remove this items from my credit reports since they DO NOT have license to do business in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am having mortgage account with Wells Fargo since XX/XX/XXXX. 
I have been doing recast ( paying towards the principal to bring down the monthly payment while keeping the term same ). 
Wells Fargo recast process is very much made to fit their own benefits not customer 's benefits. XXXX has to make the payment well before the XXXX of the month. Then notarized form ( why not a docusign in this age? ) and then finally for next to next month it is effective. In all customer sometimes is losing almost XXXX days of interest on the principal payment as Wells Fargo has made the process to suit them. 
For e.g. I made the payment of $ XXXX on XX/XX/XXXX but i will get the recast benefits only on XXXX XX/XX/XXXX NOT XXXX XXXX, XXXX even when the payment and the notarized letter is sent well in advance of XXXX Apr XXXX date. 
Customer is losing a lot of money in interest due to this workflow efficiency which i don't know is legitimate or deliberately put on them? 

Wells Fargo safeguard themselves from the lawsuits by asking customers to sign the notarized form.

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 2019-04-03
Company: Experian Information Solutions Inc.
State: OH
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 two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.

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 2019-04-03
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:
There are inquiries that are not authorized by me. They are identity theft and I am almost finished notifying the appropriate parties. I previously filed a report however there were some inquiries missed so these are the remaining fraudulent inquires : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX Attached is my new report with the FTC also.

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 2019-04-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX fraudulently tried to charge for service after phones had been ported-out to XXXX XX/XX/XXXX, attached will be a 9 page narrative detail, including FCC   complaint, and XXXX acceptance of their error, however in the process they have falsely and maliciously filed 5 late payment claims to the lead credit reporting agencies. 

They refused my good faith payment via check, placing unacceptable hardship type demands to pay via forms untraceable such as money orders, and other off the books non traceable payments. These demands on me to pay by illicit means were not of a form that I could access from a Michigan based bank from out of state. 

In turn, after the initial letter, they did not communicate to me for six months, turning this over to a collections agency. I paid the bill as soon as I got the letter from the col-agency and the collection agency would take a credit card or bank check - those that XXXX was refusing to use as means of payment. 

I did not know of the damaging malicious actions XXXX were taking to my credit report  until XX/XX/XXXX. I called them Tuesday XX/XX/XXXX about this, and they refused to retract and expunge this from my report. Their arrogant and condescending intonation on the phone when I spoke to the representative is completely unacceptable, the FCC needs to fine XXXX, the employee of record as it was a recorded line, needs to be fired, employees retrained. Their approach to customers is completely unacceptable. 

Furthermore they have told me and the FCC a twisted version that the debt was still due but they failed to communicate that to me until I received a letter from a collections agency. 

So again, it is XXXX that failed to communicate their willingness to accept a XXXX XXXX   form of payment. The Collection agency managed that payment for them, however XXXX intentionally and maliciously has damaged my credit rating. XXXX initiated this entire event by illegally charging me for services not rendered. They have a special department dedicated to extracting payments for services not rendered, hoping consumers don't catch on, this is not an isolated practice, they need to be investigated by congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EQUIFAX REFUSES BY PHONE TO REVEAL THEIR CALIFORNIA AGENT FOR PROCESS OF SERVICE.I NEED A NAME AND ADDRESS TO SUE AND SERVE THEM FOR FALSELY VERIFYING A DEPARTMENT OF EDUCATION LOAN THEY REFUSE TO REMOVE ( IT IS NOT MINE ) .BY LAW THEY ARE REQUIRED TO PROVIDE THIS INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-07-19
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recieved a call from ccs offices in ma. I called back to see who it was. The lady kept telling me I had to verify information. I said well if you know its me who you called then surely thats verification enough. She asked me to give my address I would not. Then she asked my middle initial I said I dont have one. I said what is this about. She said it was for XXXX XXXX   which I do not owe anything because I canceled and switched my insurance before the next billing date due. 
I also asked her what address she had on file for me and it was not even my correct address I said ok send it to me in the mail and send me a dispute right letter. She said we cant mail any of that to you. I asked for the bill she was collecting on and she said she couldnt send me that either I said lady if you are a collection company you know that by law you have to send those. Also she was in the XXXX it sounded like maybe or XXXX. 
So if it is a real company they are violating several fdca laws

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please work with XXXX to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. XXXX is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.

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 2018-01-15
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to Wells Fargo in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports Wells Fargo already started reporting to XXXX and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by Wells Fargo and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with Wells Fargo, previously.

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 2018-01-15
Company: GreenSky, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
GreenSky Credit and XXXX XXXX bad practice of consumeR FINANACING.

1 ) GreenSky Credit and XXXX XXXX never provided terms and condition. 
2 ) GreenSky Credit and XXXX XXXX did not furnish an application for a loan with a participating financial institution in the GreenSky Program ; 2.

3 ) GreenSky Credit and XXXX XXXX did not provided loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 4 ) My card was open and charged without my signature and consent ( Over {$5000.00} ) 5 ) GreenSky Credit and XXXX XXXX did make charge that i have not authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; I confirmed and attest following 1 ) I have not signed an application for a loan with a participating financial institution in the GreenSky Program ; 2.

2 ) I have not Acknowledge/recieve receipt of the GreenSky loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 3 ) I have not Authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; 4 ) I did not instruct Lender to disburse the proceeds of the GreenSky loan to the Merchant identified above in the Amount ( s )  specified in the Payment Authorization Schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A property management company where I currently reside decided to offer me a lease renewal after my initial lease was up. 

Prior to signing the renewal I asked to speak with management as Im currently missing {$11000.00} identifiable directly to the property management company ( XXXX XXXX XXXX XXXX and where funds were deducted out of my company account held with ( PayPal ). 

PayPal statements show the funds have been processed and as I present this information to XXXX  XXXX XXXX they state the documents are not actual bank statements even though they are my companys merchant account statements. 

After mentioning the matter to XXXX  XXXX XXXX they are now not allowing me to renew my lease even though I would like to pay funds and sign as originally offered. 

PayPal statements show funds paid to XXXX XXXX XXXX as processed multiple times where XXXX  XXXX XXXX says they havent received any additional payments even though knowing about this situation since XX/XX/2018. 

I had management call me threatening to take me to court and that my credit would be ruined if I didnt comply along with the threats of suing me for slander after bringing up this complaint prior to signing my renewal. 

I need help resolving this matter with PayPal as my company is missing approx XXXX and PayPal has not been helpful in resolving the matter after months of recorded conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: HI
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 had a divorce and my husband kept the home because it was in his name.. he was given XXXX of the money from a savings to cover back payment and the mortgage was assigned to him.. he filed bankruptcy but they are still reporting it as my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please see attached ID theft report and FTC report for three remaining inquires that are fraudulent and not authorized on my credit. 1 ) XXXX XXXX XX/XX/2017 2 ) XXXX XXXX XX/XX/2017 and 3 ) XXXX XXXX   XX/XX/2017 thanks these are the remainder of identity theft 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 2018-01-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I initially received a graduate student loan through XXXX in XX/XX/XXXX. The loan was then sold to XXXX XXXX and then to Navient. During the Obama administration when the student forgiveness programs were being introduced, I inquired by phone as to whether my current loans were eligible for the program or if I needed to make changes since I was working for a non-profit. I was told on more than one occasion that I did not need to make any changes to my account and that they would be eligible for the forgiveness program provided that I continued to work for non-profits. I have worked for non-profits since XX/XX/XXXX. I began submitted the required documents from my previous employers in XX/XX/XXXX as I was preparing for a career change. At that time I was informed that my loans being serviced through Navient were not eligible for the repayment program. I contacted Navient and was again told that these loans were eligible for the program. I attempted to appeal the decision and was reached by phone where I was informed that these loans are not in fact eligible. I have since changed providers to XXXX, however, I have six years of work at XXXX that will not receive credit towards the student loan repayment programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
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: Personal information incorrect

Complaint:
I have challenged address on my report that doesnt belong to me and they have refused to take them off my credit report.

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 2019-07-19
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Bill. This bill was not opened by me an ex opened this account I learned with my information. He is decease and this is affecting my credit report for something i am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has been double charging both my mothers account and mine on my XXXX  XXXX for a membership. I didnt authorize this and want all previous charges refunded back on my account.

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 2019-04-03
Company: Colony Brands, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOMEONE OPEN UP A XXXX XXXX ACCOUNT IN MY NAME, I NEVER HEARD OF THIS COMPANY I FINALLY DID A XXXX SEARCH AND IT APPEARS TO BE A WOMAN STORE, CATALOG. I NEED PROOF TO VERIFY AND SHOW THIS IS NOT MY ACCOUNT. WHOEVER CALLED IT IN HAD TO BE A FEMALE AND THE ADDRESS IT WAS SENT TO .AND ANY FORM OF PAYMENT THAT WAS USE TO MAKE PAYMENTS. I DID NOT OPEN THIS ACCOUNT UP NOR DID I AUTHORIZE ANYONE TO USE MY NAME AND INFORMATION.SOMEONE STOLE MY INFO AND ORDERED IN MY NAME, I AM ASKING FOR MORE INFO OR PROOF TO SHOW THIS IS MY DEBT OR REMOVE FROM MY CREDIT REPORT. I HAVE BEEN XXXX FROM XX/XX/XXXX TO XX/XX/XXXX IN ALABAMA XXXX  XXXX XXXX PLEASE FEEL FREE TO VERIFY. WITH XXXX .PLEASE REMOVE THIS FROM MY CREDIT REPORT ASAP

Company response to consumer: Closed with explanation