BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: Financial Business and Consumer Solutions.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recieved a call on XXXX XXXX from a company called fbcs  about a bill from XXXX hospital from about XX/XX/XXXX I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim this is the third collection agency I have been sent to XXXX XXXX complaint # XXXX and XXXX XXXX XXXX XXXX i have not been sent anything in the mail to will not send me a way to dispute I found it strange that they gave me a address that I had not lived at since XXXX when at the date of service in XXXX I lived at another address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Pinnacle Credit Services, LLC
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:
I've sent letters to this company and have not heard back. After having my credit report pulled, I found that they have a debt listed that does not belong to me. I've never had an account with XXXX. I've been a XXXX customer for years. Matter of fact, when I recently tried to switch to XXXX, they gave me two brand new XXXX with no money down. If I had issues with them, I believe they would have noticed a previous account. ( I ended up returning the devices within the week, after deciding to stay with XXXX ). This was in XX/XX/XXXX. This account on my credit shows that it was reported on XX/XX/XXXX The fact that they have not tried to resolve this is causing me extreme financial distress. I want this account removed off all three of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: JPMORGAN CHASE & CO.
State: GA
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 had a Chase Freedom Credit card that was used to shop for food at XXXX and XXXX XXXX restaurant. My order was not completed which mean that I did not received the food ordered. I reported the issue to the restaurant and the restaurant agreed to refund the money. Since I did not receive the refund, I decided to engage the Chase dispute center to assist with this matter. Chase argued that they called the restaurants and decided to close the disputes in less than 2 weeks. 
I spoke to several people at chase and none would be ale to properly address my issue. I asked to speak to a supervisor and did not get one. 
To sum this complaint, Chase argued that since the charges were made at the restaurants they have the right to make those charges valid and I should be responsible for paying those fees. I had a last chance to speak to a supervisor on the dispute department and still none is willing to assist. I wanted to appeal their decision on the same while I am contacting their executive department and stop any extra charge on the balance. Chase put on hold and never get me to the right agent to appeal the dispute. after speaking the XXXX at the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020, I was on a forbearance plan with Citizens One. They offered me a loan modification to put my missed payments on the back of the loan. I called every month because my bill did not reflect that the payments had been put on the back half off the loan yet. I was assured every month that I was approved and even received the {$250.00} gift card for XXXX that I was promised in the letter in XX/XX/2020. In late XXXX, I received a letter stating, that Citizens had made a mistake and that the terms of my current loan did not allow for the modification. 
I am wondering if, this is legal, and also why did it take 9 months to deny me. Also, I have been told that this is normal to happen, and that ( after 9 months of thinking I am ok with payments ) I now owe {$12000.00} to catch up my mortgage. I was given the option to re-apply for a modification ( which I did ) but I have heard nothing still. I have called several times and can not seem to find anyone that cant tell me what is truly going on. 
Citizens loan # XXXX Estate of XXXX XXXX, C/O XXXX XXXX XXXX XXXX have also sent them al documentation showing that I am executor of the Estate etc )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the process of repairing and cleaning up my credit. I requested validation/verification from XXXX, XXXX & Transunion for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. 5 collection accounts on transunion.

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 2021-07-19
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter from Dovenmuehle Mortgage on XXXX XXXX, XXXX regarding our prior home mortgage servicer, XXXX XXXX XXXX XXXX XXXX XXXX The letter stated that we had unclaimed property of {$1400.00} for a mortgage that we had closed out ( when we refinanced with XXXX  XXXX XXXX ). 

We were told to sign the paperwork and send it back to Dovenhuehle, which we did immediately. We never heard back so we recent a fax with all the information that has a time stamp that it was received on XX/XX/XXXX. We still have not received our refund. 

We contacted Dovenmuehle by phone on XX/XX/XXXX, spoke to XXXX who said that the check had been cut that we'd receive it latest by Friday XX/XX/XXXX. We still have not received the check so we called again today, XX/XX/XXXX, spoke to the manager XXXX who stated that the information that XXXX gave us was wrong and that the check has still not been cut. She wouldn't connect me to accounting. Best should could tell me was another XXXX days but that I have no other recourse. I'll just have to try to follow up again. 

This feels like a shady mortgage company. 

Please help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: EQUIFAX, INC.
State: IA
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:
I disputed a fraudulent account with XXXX XXXX and all three credit bureaus. Between XX/XX/XXXX inXX/XX/XXXX that fraudulent account from XXXX was deleted from my credit report. Out of spite someone internally at XXXX wireless pulled in an unauthorized credit report using my Social Security number. I am mediately was notified from my credit monitoring service. I called XXXX XXXX fraud department on XX/XX/XXXX, spoke with XXXX in which I recorded the call, XXXX admitted that XXXX ( internally ) pulled my credit to establish a paper trail against me. This was done out of spite due to me having it removed from my credit per fraud. I am seeking legal remedy, hiring an attorney as this is illegal. I never authorized XXXX XXXX to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COPY OF AGREEMENT PROVIDED BY NCC BUSINESS SERVICES , INC ON XX/XX/XXXX ON BEHALF OF XXXX XXXX XXXX IS AN ALTERED CONTRACT WITH FALSE SIGNATURES OF MY HUSBAND AND MINES ON BACK PAGE OF AGREEMENT. IT IS CONSIDERED AN UTTERED FALSE DOCUMENT IN THE ATTEMPT TO PASS IT OFF AS GENUINE. FORGED CONTRACT WITH INTENT TO DEFRAUD AND DEPRIVE ME OF MY MONEY. SIGNATURES FROM 2ND AGREEMENT ( HOUSE AND POOL RULES FOR RESIDENTIAL RENTAL AGREEMENT ) AND INITIALS WERE USED TO ALTER 1ST AGREEMENT ( APARTMENT RENTAL AGREEMENT ) .I HAVE PROOF OF ALL ORIGINAL AGREEMENT COPIES AND RECEIPTS AS EVIDENCE. LAST PAYMENT FOR RENT WAS ON XX/XX/XXXX FOR XX/XX/XXXX TO XX/XX/XXXX. LEFT PREMISES BEFORE END OF XXXX, XXXX HENCE, XXXX RENT IS NOT APPLICABLE SINCE I WAS NOT AT PREMISES. DEPOSIT KEPT BY XXXX XXXX XXXX SHOULD HAVE BEEN USED TO OFFSET ANY EXPENSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Very difficult and onerous process to place a credit freeze at Experian UNLIKE both XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: WI
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:
In XX/XX/XXXX XXXX offered to extend my contract and move my payments for XX/XX/XXXX and XX/XX/XXXX to the end of my contract. I agreed to the arrangement and made a payment of over {$1100.00}. Instead of marking my account as " paid as agreed '' for the month of XX/XX/XXXX as originally stipulated, XXXX has erroneously marked my payment for XX/XX/XXXX as late. This is negatively impacting my credit score and I need it fixed immediately. Additionally, XXXX has failed to report my last two payments in XX/XX/XXXX and XX/XX/XXXX which is also negatively impacting my credit score. Finally, XXXX is not reporting this account to Equifax which is also negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I  received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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 2018-12-26
Company: Ascension Point Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone message from XXXX XXXX XXXX XXXX. They called me about debt related to a deceased family member, XXXX XXXX. I am not responsible for any debt he may owe. This phone message ( left on my machine ) sounded like a typical phone scam aimed at older consumers. The return phone number left in the message is XXXX. Internet research showed this phone message to be a scam aimed at older consumers. 

Mr. XXXX was my sister-in-law 's father ( XXXX XXXX XXXX ). He passed away in late XX/XX/2018. I am only related to him through marriage and not responsible for any debt he left. When I contacted my brother to report the phone message, he said that it was a scam. 

When I contacted the company to have my number removed from their call list, I was told that the consumer service representative had to " obtain permission '' to remove me form their call list. When I called again, I was told the same lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  - ACCOUNT NUMBER- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have for a year been trying to have Equifax stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that an account ( XXXX XXXX XXXX Acct # XXXX ) could not possibly be mine. At the time of the opening ( 2016 ) of this account I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that this account is inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX  has stopped reporting this inaccurate account. I have showed Equifax proof of this on my last dispute and still havent stop reporting it. I have attached proof of my Transcripts showing that i did not file for taxes 2016 and that XXXX  has deleted the account. Equifax must also stop reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: ERC
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: Account information incorrect

Complaint:
I have filed a complaint before about this company since they have failed to provide proper validation of a said debt. Now after disputing, they have changed the account balance from {$840.00} to {$84000.00}! This is absolutely absurd that a company thinks they can get away with this. A lawyer is next. I will not stand to be treated so unfairly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
The loan being serviced by Shellpoint was transferred to XXXX  XXXX XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan to XXXX ; however, my current credit report shows that the loan to Shellpoint is still open, as opposed to being categorized as " closed ''. I contacted Shellpoint and the customer service representative stated that they no longer service the loan that I needed to contact XXXX. I explained that XXXX shows the loan as being paid off but open with Shellpoint. The rep again stated that XXXX was faulty. and they could not help me. 

Loan No.XXXX Contact info : SHELLPOINT XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Phone # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Above I am starting with the contact information I received from the dispute I filed for XXXX. I  attended college for XXXX XXXX and did not get to finish the program because the school shut down when XXXX colleges took over XXXX college.  They committed fraud and lied to their students about the school shutting down including me and got me to spend more money knowing the school was shutting down. I did not get to finish school and should not have to pay for these loans. They expect me to pay around 6 grand a month but I did not finish my degree so I do not have a good XXXX job to pay like I would have if I would have got to finish school. I found a website online last year and finally got a mailing address to mail papers in to detest the student loans but never heard anything back. Tried to research number s to get ahold of them and nothing ever went through and no one got back to me. I need help getting justice for the loans that I should not have to go back. They are destroying my credit and I can not and will not pay the loans back for a degree I did not get to complete I will eventually have to file bankruptcy if the loans aren't forgiven. Many students got their loans forgiven because of the fraud XXXX  colleges committed and I should be one of those students.

Company response to consumer: Closed with explanation