BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-17
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DEBT RECOVERY SOLUTIONS DATE ACOUNT OPENED : XX/XX/XXXXAMOUNT OWED : {$570.00} So after receiving my annual credit report I had noticed that this entry DEBT RECOVERY SOLUTIONS has reported to all 3 Credit Bureau 's that I XXXX XXXX owe this company {$570.00} I have attempted to dispute this charge with credit bureaus cause i have no knowledge of this account or where it even came from. The Original Creditor Name to my knowledge according to the Credit Bureau is listed as XXXX XXXX XXXX. I have not been to any Emergency Room sinceXX/XX/XXXX. With the exception of a hand injury at work in which was a work mans comp situation and I was treated at XXXX XXXX XXXX not an Emergency Room. So I am disputing this charge cause this charge was not from me, and I ask DEBT RECOVERY SOLUTIONS to remove these charges from all 3 Credit Bureaus and properly investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$650.00} XXXX XXXX   XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
LoanDepot was advertising very low fixed rate refinance options to me during XX/XX/2020. However, when I used their website to complete an application, I was notified by their loan agent that LoanDepot does not refinance jumbo loans. However, my application resulted in a " hard-pull '' and is now visible on my credit report. 

The hard pull was conducted by " XXXX ''. However I do not know how to reach XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: MO
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 called on several occasions to request my student loans be updated to reflect correct payments and Equifax continues to reflect inaccurate reporting this making them incorrect. The payment history is not reflected corrected and I am not sure why. All on-time payments have been removed, dropping my payment history from 97 % to currently 30 %. When I contacted the original creditor ( XXXX  ), I was told that there was only 3 late payments reflected on my account and I haven't been late in over a year, however, Equifax continuously reflects information that is not correct which is destroying my character and limiting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview has sent me notices with 3 different addresses to send payment to and has not been posting my mortgage payments in a timely manner. I send my payment at the end of each month with tracking so I know when they are received. Bayview sends incorrect correspondence and statements and falsely claimed my loan was in default. Bayview changed the payment address twice then a month later changed servicer. I requested in writing that Bayview correct their mistake to show my account is current prior to transferring to the new servicer, Bayview did not reply or issue a correct invoice. I mailed a {$2900.00} payment overnight today including my XX/XX/2020 overnight XX/XX/2020 USPS tracking number # XXXX to Bayview and Bayview was notified via email so it should be posted prior to transferring loan to new servicer as current by XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: HCFS Healthcare Financial Services of TeamHealth
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 been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX -ARS # XXXX -ARS # XXXX -ARS # 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 explanation
Consumer complaint received 2020-08-27
Company: CITIBANK, N.A.
State: PA
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 have spoke to a representative from citi cards on around XX/XX/2020 regarding interest fees i explained i was having a hard time with full payments due to covid 19 if there was anyway they can wave interest on my account. the representative assured me they would wave a few months of interest from XXXX until XXXX which would be around {$1100.00} in interest i was really releived!! He told me they where 100 percent approved to be waived and it would take 2-3 buisness days to reflect on my account! 
A few days later on XX/XX/2020 i saw the fees where not removed so i called citi card and the representative told me that it went for submission but they where not approved to be waived! i am really upset as i was promised they would be removed and now citi card is telling me there is nothing they can do

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 2021-07-06
Company: GLA Collection Company, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX office that charged off this debt did so knowing the insurance company covered the cost. This office has a long history of submitting to insurance improperly then billing the patient as well. After receiving the amount from the insurance company they still tried to charge the patient. Several attempts have been made to fix this error, the office clerk even acknowledged insurance had paid it but yet still tried to charge. If this isn't immediately deleted from my credit we will file suit. Not only against the original company but against this collection agency for a direct violation of HIPAA laws by obtaining medical records without patient consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date Debt Occured : XX/XX/2012 NAME OF DEBT : Blakely-Witt & Associates AMOUNT OWED : {$4200.00} I was going through my credit report and I noticed this debt being deliquent, now I have tried to reach out to this company via phone and left numerous messages and I have not received any contact back. I looked their profile up via XXXX XXXX XXXX and they have a F Rating.

Now how does this pertain to me it does when their is thiss debt that I know for a fact is not the right amount, the apartment company that this Debt originates from is XXXX XXXX Apartments in XXXX Texas. And here is what should have been reported when I moved out of these apartments the property management at this time because I was late on my monthly rent by only {$800.00} and I told her that it would be nearly impossible to get this caught up being I was on a fixed income and this was mentioned to them at time of move in also. The Apartment Property Manager after a private meeting in her office told me that after speaking witht he owner of the properties I had two options to pay my {$800.00} rent this was deliquent or due to the circumstances that they would let me out of my lease being I had only a few months left at no additional cancellation fees. 

So I see this debt sitting at an expensive {$4200.00} I am disputing this charge because thats not what I was told I owed at time of move out from the property. This number is def. wrong is def. some fraudlaunt charges here. Now I have attempted many times to reach out to the company but they dont seem to care to reach back out in return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Mar Joe Enterprises
State: TN
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:
XXXX XXXX XXXX, aka XXXX, XXXX in XXXX, TN has reported 10 new collection accounts on my credit report. The account ( s ) and amounts are as follows : Account number XXXX Amounts : {$270.00}, {$210.00}, {$210.00}, {$110.00}, {$120.00}, {$160.00}, {$240.00}, {$210.00}, {$110.00}, {$91.00} all to XXXX XXXX XXXX XXXX. 

I have not been to a XXXX XXXX XXXX XXXX facility in over 3 years. 
I became XXXX in XX/XX/XXXX and had XXXX XXXX since XX/XX/XXXX and got full Medicaid/Medicare 1 year later and what is suspicious is all of my accounts with XXXX, XXXX were scheduled to fall off my reports the end of this year, or the first part of XX/XX/XXXX. 

I believe : 1. They have reaged this accounts to keep them on my report longer, as they didn't show up on my credit reports until this month, but they ( XXXX, XXXX ) state they " opened '' the account back in XX/XX/XXXX. 
OR 2. These accounts DON'T belong to me. 
OR 3. I am a victim of fraud/identity theft. 

I want validation of these debts to prove they are mine, but I know they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Collection from XXXX XXXX XXXX, I do not recall doing any business with the following collection agency. Please verify debt.

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 2017-08-02
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Electronic funds was deposited into my account. A monthly stipin from the department of treasury from the Veterin Affaris ; this is government issued pay ; not earn income. The first stipend from the VA includes back pay ; {$XXXX} ... ; going forward it will be {$XXXX} ... This money is suppose to be protected/expect from guarnesment. The moment the money was deposited in my account the same bank stole it to pay off previous credit card debt that was written off by the bank. This will cause financial hardship if this money issued back to me. Please help ; my and my family livelihood is relying on this money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XXXX, I started getting notifications that my card was being denied. I noticed that it expired on XX/XX/20, but I never recieved a replacement card. I did a chat with customer service on XXXX and they informed me my account was closed due to delinquincy and to call customer service. This card was never delinquent, not even a late payment. I had had it for four years with no problems at all. When I called customer service they said that I could apply for a new card but they had closed my current one - my guess is they wanted to charge me a higher interest rate rather than renew my current card. They said they sent notification of the closure but I never recieved a notification, they just cancelled my card for no legitimate reason. Again, I have online access so I could see that the card was current on payment and you could see the payment history where all payments had been made on time.

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 2018-07-06
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
i have been a cuistomer here a good one for years 2 accounts. no problems til now on XXXX  i treated family and a friend to outback in XXXX XXXX out of XXXX got sick from XXXX XXXX. i did call restaurant although i was travelling and busy. no response. this bank has the audacity to tell me i consumed the food and thus have no recourse. how riidiculous is this. how would i know it would be bad? i have never heard such an excuse before and i have been victim of XXXX XXXX before. 
i want my money back i did call restaurant and email the company no response. i expect 40 out of 53 refunded asap how dare you. this is my jet blue card. in their answers they tell me dispute is closed. any other bank would have fought it and or refunded me. I will not let this go and know its wrong. I am being punished for us getting sick and i wont allow 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 explanation
Consumer complaint received 2018-07-06
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have unauthorized transactions on my bank account that was made through PayPal, while I was away my PayPal account have been hacked with someone making unauthorized transactions to different merchants. This was reported to my bank and PayPal on about XX/XX/XXXX transactions from five different merchants have been ordered however I never got merchandise or was any merchandise left at my home front. No one signed for any packages that was delivered to my house so I told PayPal about my account they opened claimed and sent to me tracking from the merchant but no signature just said delivered left on steps. However no one was home my neighbor kids said they didnt see anything items my regular mail was still in my mailbox but no packages were there. If I didnt sign for no delivery Im not responsible for the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: AES/PHEAA
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 status incorrect

Complaint:
I have two accounts with FedLoan Servicing that were opened when I started classes online. I was told by the school that FedLoan would contact me when I needed to begin making payments towards my student loans. I was never contacted by FedLoan when my payments began, therefore they were late. I noticed after checking my credit score in XXXX of XXXX that it showed I was 90-120 days late on my payments for both accounts for FedLoan Servicing. I contacted the company and told them that I was never notified of when the payments began. They asked me to confirm my information they had on file, and when I did they realized they mistyped my email address to which all the information was going to. They had set my payment notices to be sent to my email instead of my mailing address automatically. So in conclusion, I was not notified the payments had to be made because FedLoan made a mistake with my email. The person I spoke with on the phone admitted to this mistake and sent me a credit dispute form and set up my payments to begin again on XX/XX/XXXX of XXXX. After completing the dispute form, the company corrected the months of XXXX, XXXX, and XXXX, but refuse to this day to correct the month of XXXX, the month in which this whole problem was found and reported. I was told I didn't have to start paying until XXXX so I didn't see a need to pay for XXXX, as I was told all the payments that I missed would be added back to my balance. I was in the middle of building my credit score, to buy a house for my family, that started at XXXX and at the time was XXXX, when this hit my credit and knocked it down XXXX points. I explained to them the urgency in which I needed it to be fixed and why, and even after admitting they were at fault for having my information wrong, they still won't fix it and this one problem is still keeping me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account numberXXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.

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 2023-07-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have tried contacting XXXX, Equfax, and XXXX about a closed account that was settled by me and the creditor. I paid it in full and it is still showing up on my credit report and is negatively impacting my credit score. The account in question is with XXXX XXXX XXXX XXXX. It was a secured card that had a balance of {$29.00} and was paid in full on XX/XX/23. Being that I have paid this account in full and have settled it I am asking that it be removed from my report because it is adversely effecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$1200.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX XXXX X {$8200.00} XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX  XXXX {$0.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$23000.00} CHAPTERXXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

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 2021-07-06
Company: OneMain Finance Corporation
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX payment-On time XX/XX/XXXX payment-On time XX/XX/XXXX payment- On time XXXX XXXX showing 30 day late XX/XX/XXXX payment-On time XXXX XXXX showing 60 day late XXXX XXXX-showing 90 day late XX/XX/XXXX XX/XX/XXXX {$700.00} pd from checking XX/XX/XXXX {$280.00} pd from checking XX/XX/XXXX {$280.00} pd from checking XXXX XXXX showing 30 day late XX/XX/XXXX XXXX {$280.00} pd from checkinXX/XX/XXXXshowing 30 day late XXXX XXXX showing 60 days late XXXX XXXX-showing 90 day late XXXX XXXX showing 120 day late

Company response to consumer: Closed with explanation