BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Services at XXXX XXXX XXXX were not submitted by them to our insurance carrier, XXXX. These services were provided in XX/XX/XXXX. We never received billing for the services until a Final Notice was sent XX/XX/XXXX, almost 5 months after the service. Within two weeks we received a notice from a collections agency for the debt in the amount of {$360.00}. The Final Bill from the provider indicated our insurance had been billed when in fact this was not the case. The provider admitted they had not submitted to insurance but claimed it was now too late. We contacted XXXX  who indicated we could submit the claim directly which we did. According to XXXX they have paid the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am being overcharged for mortgage insurance, as highlighted on the attached amortization schedule, which was provided at the closing on my loan, and on my payment schedule printed from the lender 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any notification that I owed this debt, making it impossible to refute a debt I do not owe. The only way I found out about it was when I viewed my credit report. 

When I attempted to resolve this debt dispute, I was contacted one of their agents in XXXX who agreed to delete the report after telling me that XXXX the the original debtor. 
Since I have an account with XXXX. I contacted XXXX and the agent I spoke with affirmed that I did not own XXXX any money. 

Further more the agent stated that she would be deleting the item off my credit report, which apparently she did not do. 
The Item appeared on my credit report on or about XX/XX/XXXX. 
The amount of the alleged debt is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was part of the Equifax Breach. Equifax refuses to remove inquiries that were not mine. This affects my credit score. They continued to tell me I needed to contact each company. I refuse since they allowed my information to be accessed. I have received 2 years of harrassing call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
XXXX years ago, after maintaining an XXXX score with Equifax XXXX XXXX, and XXXX XXXX my Equifax score inexplicably dropped to the mid-XXXXXXXX. I have reviewed my Equifax summary and currently Equifax only has XXXX sources or lines of credit, they see. 

( See enclosed Equifax summary-Equifax score XXXX ; XXXX XXXX, XXXX XXXX Note Equifax credit report summary-total lines of creditXXXX ; credit utilization XXXX XXXX  ) XXXX Summary of Accounts shows over XXXX accounts in satisfactory status ( see enclosed ) Despite all certified information provided to Equifax, Equifax continues to send me computer-generated information without addressing the issue and without reporting the multiple accounts the other XXXX major credit reporting agencies have available. 
I never get an explanation of why they cant correct this problem. 

Equifax will not update their files or respond to me in any way after multiple certified letters providing information to them. I am able to provide a XXXX-page XXXX of documents resubmitted to Equifax XX/XX/2021 which appears to have been ignored as Equifax has not addressed or acknowledged the situation nor has it made any changes in recognizing the multiple accounts that are known to the other XXXX major credit reporting agencies. 

Over the past XXXX years I have made several attempts to Equifax using certified mail requesting Equifax to update my active accounts by providing Equifax my identification and lines of credit that XXXX and XXXX are aware of ( all of which are in satisfactory status. ). 

My most recent response from Equifax XX/XX/2021 stated they were unable to locate a credit file in our database with information you provided, in order to further assist, we will need additional documents to verify your identification etc. 

I again sent Equifax XXXXnformation certified with the dispute number, my address, a copy of my Social Security card, a copy of my drivers license, a list of former addresses, and proof of several open accounts that Equifax no longer keeps a record of. 
Equifax will not update their files or respond to me I am grateful for any help you can provide in this matter, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
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'm not aware of this debt and did receive any mail with the opportunity to dispute as these not my accounts REVENUE GROUP # XXXX ; XXXX. Please provide the following : Method of verification Validation of Debt Assignment of Debt These account should not be place in dispute until any type of investigation needs to happen. This accounts need to be removed as your in violation of Hippa rights as well and I will file suit. If you believe you provide communication please attach CERIFIED MAIL showing that mail was delivered and sign for. Can not just place deb on someone credit report.

Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the XXXX XXXX XXXX, XXXX, TransUnion and XXXX  and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.

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 2019-01-05
Company: Colony Brands, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. 
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. 
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. XXXX XXXX XXXX then changed my address when the USPS sent notification to the address, she is residing in. Potentially receiving mail sent to me on disputes. 
XX/XX/2018 Filed an Identity Theft with the FTC and have report # XXXX On XX/XX/2018 I was told of the fraudulent address change by the USPS that occurred XX/XX/2018, and that is where my mail has been going. 
On XX/XX/2018 I was in contact with the Postal Inspection Service, received my first case number from them, I have multiple case numbers now, XXXX, XXXX, and Reference # XXXX. 
XX/XX/2018 My USPS agent requested additional monies from me ( {$10.00} ) for a package that had an address on XXXX XXXX XXXX. that had been forwarded from the XXXX XXXX XXXX. He also had a letter that was addressed to me at a XXXX XXXX in XXXX that had been forwarded in the same manner. 
The package and the letter were from XXXX XXXX, something I had no knowledge of prior. Inside the package was a customer Order Summary which said {$660.00} was being billed to me, the order date was XX/XX/2018, I had completed a Credit Freeze and Fraud Alert on XX/XX/2018 with XXXX, XXXX and XXXX. 
XX/XX/2018 I called XXXX XXXX at XXXX, spoke to XXXX ( XXXX ) in Loss Prevention. XXXX said there was not a credit freeze when the order was taken, and six of the products had been delivered in two boxes, with XXXX  dropping them off at the XXXX XXXX XXXX, and the mail carrier had delivered them to XXXX XXXX XXXX. 
During that call I informed them that my identity had been stolen, and the account is a fraud. I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. 
That call was at XXXX for 40 Minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/XXXX, my friend sent me {$800.00} through PayPal. They were told adding checking accounts to transfer funds, would take a few days and was given the XXXX for funds to be transferred to me. Days later it said the funds would be available on XXXX. It is now the XXXX and the money is still in pending status. There is no option to accept or receive money. This part is complex as it is and always has to be hunted for rather then just being an option next to money transfer information. 
I ( we ) know that PayPal is making money on interest as they hold this money. There is no reason this should take 8 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has been incorrectly applying my overpayments for years. After months of trying to rectify the situation, Navient had me go through an online process. Payment was made on their website and no error message appeared. 

The next month Navient charged me a late fee. The payment did not go through due to a technical issue on their end. 

As far as the overpayments, I have requested that the overpayments go towards the account with the lower payment. Navient refuses to apply the overpayments to the account at my direction. 

While trying to rectify this situation, Navient falsely represented that they reversed the improper charges. 

Bottom line is Navient is illegally charging a late fee and not crediting the appropriate account with the overpayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I called the Eppicard customer service line to check my balance. My balance was significantly lower than usual. I called to speak with the fraud department and filed a claim. They told me they would stop my card & send me some forms to fill out to claim fraud. I had 10 days from my claim to send the paperwork back. I received the paperwork XX/XX/XXXX, but I could not finish filling it out until the XXXX when I received my card and was able to create an account to log in and get the other fraud charges off my statement. 

I attempted to fax the paperwork to the number provided multiple times on XX/XX/XXXX but the line was always busy and the fax would not go through. 
I tried every time I went to work until it finally went through on XX/XX/XXXX. 

I called to check the status of my case and they gave me a date of XX/XX/XXXX they would have a resolution. It is now XX/XX/XXXX and they have yet to give me an answer, they can only tell me the case is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: AR
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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 information incorrect

Complaint:
Account is reporting a late payment from XX/XX/2019 incorrectly. Credit card company XXXX XX/XX/XXXX said they would fix the issue and I sent the letter to the bureau and it still hasnt been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Home Point Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
we had a tornado damage our house and after fighting with the insurance company they finally released the checks to the mortgage company listed, i have been fighting with them since XX/XX/XXXX about releasing the checks in a timely fashion to avoid further water damage to the property, we do have tarps but they only do so much and with the amount of rain we have been receiving we are afraid that we are incurring further damages, i have explained this to the mortgage company i called them on the XXXX of  XXXX they said they were pulling the checks and they would be sent overnight ( i paid for that ) on Friday XX/XX/XXXX, we didn't receive them today in the mail so i called and they were never shipped and had to actually create yet another shipping label for them to be sent overnight again to be delivered tomorrow XX/XX/XXXX. there are several reviews regarding the same issues with this company and im doing everything in my power to finally stop it so that they dont victimize anymore people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, 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:
This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: JH Portfolio Debt Equities, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a complaint against JH Portfolio, they responded without requested documentation like a contract with my signature showing the exact amount borrowed. JH Portfolio responded with a copy of a purchase and payment history that could belong to any one, the amount on the presented documentation is very inaccurate, i never borrowed such amount. i request full verification of the debt, chain of purchase and history dating back to original creditor including a contract with my signature between myself and JH portfolio.

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 2021-04-13
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XX/XX/XXXX called XXXX XXXX XXXX about a disputed transaction, company cancels card and says they'll mail a new one ... XXXX last monday called company to complain card didn't arrive was told it was returned undeliverable but they'd try sending again ... called XXXX last Wednesday and XXXX XXXX XXXX apologized that I was lied too, about mail being returned and they said my replacement card was mailed XX/XX/XXXX and should arrive last Friday ... it's now Tuesday XX/XX/XXXX, still no replacement card

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 2019-07-08
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I canceled my cell phone bill with XXXX XXXX on XX/XX/XXXX, my last payment was for {$150.00}. I utilize a credit tracking service, which is how I was notified ofan outstanding bill of {$700.00} for the phone. I never received any notification from XXXX. When I called in they directed me to IC systems, the collection agency. A gentleman stated {$700.00} was due and showed an incorrect address of : XXXX XXXX XXXX XXXX XXXX  md XXXX. Unfortunately that is the address of my deceased grandmother and I have not lived at that location for over 2 years. XXXX has never emailed me, after failing to get in touch with me, and they have confirmed the email on file is correct. Despite no one reaching out to me, I called XX/XX/XXXX and paid the bill in full. The confirmation number for that payment is XXXX. 

I then called XXXX and spoke to XXXX in the collections department, she confirmed the wrong address on file and no additional addresses. After using XXXX for TV and internet, and having all my bills sent to the correct address, it is puzzling that it would be incorrect in the collections department and then incorrectly sent to the collections agency. 

Upon my request to cancel service, I was NOT informed the final bill would be mailed, nor did the agent confirm the correct mailing address. I have been emailed all other bills for this cellphone line by XXXX, and my XXXX TV and internet bills were mailed to the correct mailing address. I am saying this to say, XXXX as a company has the correct address associated with me somewhere in their system, they just didnt look hard enough. I have more than upheld my end as the customer, by paying all of my bills, but the service I have received from XXXX has been unacceptable.

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 2018-02-01
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:
I am an XXXX XXXX XXXX XXXX currently XXXX overseas. I recently received a copy of my credit report. The credit report showed the CRAs XXXX, Equifax and XXXX are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY XXXX overseas Department of Defense Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, KIRSCHENBAUM AND PHILLIPS of XXXX XXXX County sued me without my knowledge for a credit cart debt of {$5700.00} which I was unaware as I never signed up for that credit card, and whose fraudulency I am attempting to prove, however I can't move forward on the case because I have contacted the agency repeatedly with requests for the paperwork ( the validation papers, proof of debt, and court case ) which, according to law, the agency should provide me within 5 days of my request. 

I requested the paperwork on XX/XX/XXXX ( told it would take at least 30 days ), XX/XX/XXXX ( with the insistence that it be sent in 5 days ), XX/XX/XXXX ( when the agency claimed it was sent on XX/XX/XXXX, yet  mysteriously never arrived even though there is a doorperson at the address ), and again today, XX/XX/XXXX, when the three people I spoke with refused to give me any answers. 

I know legally the agency is in the wrong by not getting me the papers, but that's not helping me to force them to send me the papers as they are required to. I would therefore like to file a formal complaint against KIRSCHENBAUM AND PHILLIPS and request help getting the documents I need for my case. 

Many thanks

Company response to consumer: Closed with explanation