BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2016, I was involved in an accident where i had to be taken to the hospital. Somehow, my social was written wrong and XXXX did n't cover it until i spoke with them, and they corrected it leaving me with a 0 dollar deductible and 0 dollars owed. XXXX mailed a letter that stated " we received an inquiry regarding patient billing on the above claim. the patient 's cost share and/or copayment was {$0.00}, and we applied {$0.00} towards the patient 's deductible. the claim originally denied because it was submitted with an incorrect member identification number. this has since been corrected and the claim has been paid, leaving no patient responsibility. 

our files show that although you are not the network provider, your claim was submitted indicating you agreed to accept assignment. therefore, you have agreed to accept the XXXX maximum allowable charge as payment in full. the beneficiary is only responsible for copayments, cost shares, and/or deductible amounts. if the patient paid more than the copayment, cost share, and/or deductible for these services, please refund the payment to the patient within 30 days from the date of this letter. '' somehow this still is being charged as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper continues to be incapable of managing an escrow account. This will be at a minimum the 5th times I have filed a complaint about their mismanagement of my escrow account since XX/XX/XXXX. 

I have been emailing them since XX/XX/XXXX about my increase in real estate tax, and they have REFUSED to correct my escrow withholding to cover this increase. They almost sent me money back which would have shorted it just before the payment was due by more than {$100.00}. 

I again, last week emailed them about the continued error in the escrow analysis, using last years tax amount for the upcoming XX/XX/XXXX payment and they REFUSE to fix it. 

This company has no business staying in business. What will it take for you to shut these crooks down?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX {$1800.00} unauthorized XXXX  transaction was done to an unknown account XX/XX/XXXX {$900.00} unauthorized XXXX  transaction was done to an unknown account i called and disputed both these transactions and an investigation was done and my refund was denied because i was told the transactions were indeed authorized.

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 2022-03-10
Company: Capital Accounts, LLC
State: MA
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 received a credit alert on my credit report on XXXX saying I owe a company " XXXX XXXX XXXX '' {$1200.00}. which was reported to XXXX from Capitol Accounts in Tennessee. 

I never received anything from " Capitol Accounts '' about this delinquent bill. No dunning notices or phone calls. This alone is a clear violation of the FDCPA allowing me up to 30 days to dispute account. 

First, this is NOT my bill! Second, when I called this company they asked if my birthday is XXXX. That was my deceased father 's birthday. 

I have never signed any agreements or done business with this XXXX XXXX XXXX. This is something my dad had. 

I have had PERFECT credit for over 30 years. Never once delinquent on any thing. In one clean swoop this collection agency took my credit from excellent to good and within 24 hours. 

I can only think that the reason how this company got my address is that since he passed away all his mail is being forwarded to me. On top of that, I was born in XXXX NOT XXXX. 

To assume they had the right person, BEFORE listing the account with credit bureaus, they should have done a better investigation instead of just ruining my credit. 

I opened a dispute with XXXX and they came back with a response that through their process and contacting Capital accounts, the bill is valid and will remain on 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 explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: MD
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:
Just filing a report stating that i have placed a secuity feezd with all 3 credit burers as someone have my social security number. I am not sure if this stems from 5 yearsvago when icwas robbed and they took my social and tried to open a XXXX account/service in my name or if it was the dark web where my social has been exposed as stated by vredit wise from XXXX XXXXXXXX credit csrd. Experian also stated it was exposed in a sata breach with XXXX in XX/XX/2021. As a not i do not and have no ever had an account eith 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 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX 's employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.

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 2019-06-23
Company: Experian Information Solutions Inc.
State: VA
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:
This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are two bureaus reporting different information. One bureau is showing a payment amount while the other has 0 dollars as a payment amount. The date open date is different on the two bureaus. Also the amount owed is less than the high payment. Please remove this account from my report due to its inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a copy of my credit report in XXXX XXXX. I disputed a debt collection which was originally XXXX I believe and is now with afini collections. I sent a certified letter to the collections agency asking for debt validation and they sent a bill statement as proof which wasnt proof because I never had a contract with XXXX. I sent another letter to afini again asking for proof because this IS NOT MY DEBT my calls and letters have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over the last two years, my wife and I have gone through serious financial struggles. We ended up going with a XXXX XXXX XXXX after trying to get help from our creditors to no avail. The credit counseling company helped us negotiate reasonable payments, stop late fees, and hold interest rates. Before this could happen we were late on bills for a few months. For XXXX XXXX years, we made payments to the credit counseling company and they sent the payments on our behalf as part of the program. Now as we are coming out of being in a horrible financial place we are looking at our credit and realizing we are again being unsupported by the credit card companies and now even Experian, XXXX, and XXXX XXXX. One of the companies that we have struggled with is XXXX XXXX. We started making payments in XXXX through XXXX XXXX to XXXX. We paid XXXX completely off in XXXX of XXXX. We have sent copies of the canceled checks to XXXX Credit Cards and well as to Experian, XXXX, and XXXX. The credit reporting agencies have responded that they believe the reported information to be accurate. How can that be with canceled checks to show payment but 65 late marks on our credit? On XX/XX/XXXX, we sXXXX XXXX XXXX XXXX XXXX XXXX again sending all of the copies of checks, this time noting as they requested exactly what we thought was the error. We have yet to get a response. This is not 30 days ago. We are trying our best to recover from the financial struggles as well as begin the process of recovery. We just can not seem to get help, guidance, or answers for either XXXXXXXX XXXX  or the three credit reporting agencies why this can not happen. We made our first dispute on XX/XX/XXXX, online, we followed that up with a letter of dispute to the three credit agencies on XX/XX/XXXX. We received a letter back saying that they did not have sufficient evidence to investigate. It was at this time that we copied all of the canceled checks and mailed them to both XXXXXXXX XXXX  and all three agencies. At this time we requested that XXXXXXXX XXXX send us the statements showing we were late that they did not receive payments for these months. We received a response from XXXXXXXX XXXXXXXX requesting we send them exactly what we thought was an error. We completed this and sent the copies of the canceled checks once again on XX/XX/XXXX. It is now XX/XX/XXXX and we have still not heard anything. After the third dispute to XXXX, Experian and XXXX XXXX we were once again told the found the information to be accurate. We don't understand how this is 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
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX doctors in the amount of {$80.00} and it 's reporting on my Equifax credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had over {$5000.00} taken out of my checking account unauthorized

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 2018-01-20
Company: Experian Information Solutions Inc.
State: MT
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 2019-05-12
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a company named Credit Management LP attempting to collect an alleged debt in the amount of {$300.00} for XXXX. This debt is a result of fraud and I do not owe this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Not given any insight into this debt. 

XX/XX/XXXX - received a request for payment from " Dynamic Recovery Solutions '' XX/XX/XXXX - i responded with a debt validation letter to confirm i have a legal obligation to pay them. 

XX/XX/XXXX - XXXX received an anonymous phone call from a 3rd party shipping company to sign documents. was told to call " XXXX XXXX '' AKA " XXXX XXXX '' @ XXXX that only they can arrange another shipping time. 
XXXX 1st phone conversation @ XXXX, the representative refused to provide an address to send a debt verification letter to dispute their claim. When i advised that the time they chose to deliver the documents is inconvenient, i was told it will be more inconvenient when they take me to court. I asked if he could provide documents of the debt. The XXXX XXXX responded that i will see the documents in court. 

XX/XX/XXXX - XXXX received a 3rd party mail service package. contents are from " Dynamic Recovery Solutions '' requesting payment. I called XXXX as directed in the documents. Representative " XXXX XXXX '' from " Dynamic Recovery Solutions '' advised that they have owned this account since XX/XX/XXXX and no one else. 

XX/XX/XXXX - XXXX called back " XXXX XXXX '' and advised of the package received. representative advised they they own the chain of title and they will see me in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly state that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I file litigation due to the stress you caused me. My information was impacted by the Equifax data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: MI
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 am a victim of identity theft, I have filed police reports, wrote letters, sent in proof, called all 3 bureaus multiple times, probably close to hundreds of times now. I am a person, I am natural human, a citizen who works hard and pays my bills. I am embarrassed and ashamed by not being able to have credit and live the life I am accustomed too. I did not make these charges, I did not open these accounts, yet I am treated like a criminal instead of a victim. I filed the police report, I sent in copies of everything asked from me on MULTIPLE occasions. 
I am demanding these accounts be removed from my credit report by all 3 bureau '' s and I am demanding that inquiries be removed!!! 
Account : XXXX XXXX Bank XXXX XXXX XXXX. XXXX # XXXX. XXXX Bank # XXXX. XXXX Bank 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 2018-07-18
Company: General Service Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I work during the day of which is when General Service Bureau calls sometimes they leave an automated message on my cell phone other times they do not. The one time I answered I asked that they not call before XXXX XXXX. because I am working. They then turned around and called my work number and I informed them not to call me at work that I could not accept calls like this at work. Today XX/XX/18 they called my cell phone at XXXX of which I can not answer while I am at work. They then turned around and called my work phone of which I did answer. When I said " This is Doe '' they hung up. This is not acceptable. I have tried calling them back but I do not get any kind of an answer. I don't leave messages since I work and they can't call so I keep trying to find out why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
i have a co signer but they call every day including sundays and before 8. they have been calling my family members i dont even talk to for weeks now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: WELLS FARGO & COMPANY
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 a hard pull from Wells Fargo as well as a Jewelers company that I never submitted for any credit approval.

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 2019-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank Of America ( The creditor ) agreed to delete this account from all the three credit bureaus XXXX XXXX & XXXX. The charge off was paid off & theres no payment is owed to the creditor. Before the charge off was submitted to all three credit bureaus XXXX XXXX & XXXXx. I was making direct installments payments to the creditor ( Bank Of America ) &  unfortunately once the credit card was paid off they reported it as charged off 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