BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: Harris & Harris, Ltd.
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 Never received an attempt to collect debt. I was never informed of the debt owed. I only found out by trying to apply for an apartment and having a collection on my credit report. I have not received a letter of settlement or any correspondence regarding this debt even after payment I have not received a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: VA
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:
This company continually calls me from new numbers and area codes ; without written consent unfairly submitted my information to my credit report damaging my credit causing me XXXX XXXX and now XXXX getting denied for credit cards and loans to help my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.

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 2020-07-13
Company: Finance System of Richmond, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Finance system of richmond called me in a rude tone and I refused to take the call, I asked for name and address and the lady hung up the phone. they company then listed two medical debts on my credit file without even sending a notice to dispute. I sent a debt validation to the company and they sent me a typed up bill, I later sent another notice and the company ignored me. I complained to the XXXX and the company sent the XXXX  a bill with medical procedures and procedure codes which displayed what type of medical service was performed which is a violation of hippa. I will attach all the files I sent to the company and the XXXX  and the companies response of not investigating my disputes but will still report to the credit bureaus. Debt collectors engage in fraud and violations why would I send any information to them. The burden of proof is on them to provide debt validation which is a original contract between the debt collector and I or the debt collector and the original creditor and an account number linking me to the debt. I looked up the procedure code which was listed and figured out what procedure was done. this company needs to remove this debt from my credit file and send it back where they got it frim because they will be liable for damages. I have attached the companies response to the XXXX  with all information and procedure codes and my two debt validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am contacting XXXX  XXXX XXXX in reference due to a balance owed from a overdraft checkings account. I am requesting for a typed document which stated the amounts owed and the also the account number associated with the overdraft amount. I am requesting for the account to be deleted from XXXX, The XXXX XXXX XXXX   and XXXX XXXX and any other reporting system. For an agreement or exchange to pay this balance on my reports from years ago. The derogatory information you have provided in reference to this account is visible on my consumer report/file with the agencys listed above. As this is damaging my chances with any future banking relationship with other banks. Please acknowledge this written statement and send a balance and payment option document to the address you have on file or that submitted with this dispute.

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 2019-06-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2019, I contacted Equifax to get a credit report and to freeze our account. When I tried to get to my account online, the web site would not accept my log on and locked my account. I called Equifax and the person told me to try again. I told her I tried several times and I tried to reset my password several times but the account stayed locked. She said the system was having problems and I should try later. I told her this has been going on for several days and she just said there was nothing she could do. I then asked her to freeze my account while Im on the phone and after several long waits, she said she needed to ask me questions to verify who I am. She asked me if I had a mortgage and who with whereas I answered correctly no. She again asked who with and I told her I did not have a mortgage. She then asked if I had any major loans and who with which I again correctly answered no. She again asked who with and I told her I had no loans or any mortgage. She said she was sorry and that if I could not answer those questions she could not help me. I asked to speak to her supervision who asked the same questions almost word for word. At this point I told them that I answered their questions correctly and what else did they need. The supervisor told me that I should get my credit report to see what it said whereas I told her that is what I was trying to do. She said she could not help me and that I should write in to Equifax to make the request. 
My wife, who was having the same problems with her account then got on line to freeze her account. She answered all the questions asked but the supervisor said she could not help her and she should write in as well. 
I had no problems with the other two Credit Agencies on freezing my accounts but Equifax, who created the security breach, was uncooperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: WA
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 is a violation of the FCRA Section 623. Each Bureau is reporting different date opened, and high credit, and date last active, and date of last payment this is a violation. This account has many errors/inaccuracies does not meet FCRA. Each bureau is reporting different date last active terms and a collection account should not report a late payment this is a violation of FCRA

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 2019-06-03
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
they keep sending for me loan with fixed payment offer with your rsvp XXXX many times than i said let me try to get loan XXXX for XXXX $ a month but they say sorry your crdit score is XXXX and sorry we cant give to you my score is XXXX and they are scam they dont want to give loan why make for me offer is just discremintions they want to destroy my life for these actions i have house and iam in good to take the loan and they say take XXXX loan iam on ssi XXXX $ i can offered to pay for them why they don.t want to give loan its a game thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}

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 2016-09-28
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to get a loan modification with this company for months. I finally get the paperwork to sign to modify my loan. They set up an appointment with a notary and the paperwork is signed and sent in. I called the following week and the person assigned to my loan said they did not get the paperwork. Then he said he found them and it would take a while to get them processed. I checked online a few weeks later and my account said that the loan modification was denied. I was never notified by the company that the modification was denied. When I called they said the paperwork was signed incorrectly, even though it was signed exactly like it was listed on the forms. They never called to say the forms were not signed correctly. I called twice to get new paperwork. When I received it, I called to set up the notary appointment again and to make a payment. The appointment is scheduled. When I asked why a previous payment was not showing on the account, I was told that they will not post the payments because if they post the payments then they ca n't foreclose on the property. I asked why they are working foreclosure when we are in the modification process. The response was because the paperwork was not signed correctly. I have been doing everything possible to get this modification completed, but it seems like there is one obstacle after another and they do not communicate with me about issues that I am totally unaware of. Today I received a letter from an attorney that my house is in foreclosure. Is this even legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$740.00} written off. 

U.S. DEPARTMENT OF EDUCATION XXXX {$3000.00} U.S. DEPARTMENT OF EDUCATION XXXX {$3400.00} US DEPT OF ED/XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$47.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL THESE PHONE # ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL THESE ADDRESSES LISTED AND THESE ACCOUNTS LISTED ABOVE ARE NOT MINE ^^^

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received payment for an item that I sold on XXXX via Paypal on XX/XX/XXXX in the amount of {$180.00}. I shipped the item out and it was delivered on XX/XX/XXXX. The USPS has an issue with their tracking and it provided an additional status update that indicates that the item is in transit after it was already delivered. Paypal is refusing to release the payment until the item is marked as delivered. I contacted the USPS and they provided me a letter indicating the status showing on their system is an error, it will change, and the item was in fact delivered. This letter was provided to PayPal and they acknowledged it yet refuse to release the funds. 

The PayPal Transaction ID is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On about XXXX of 2017 my credit card by XXXX XXXX Credit Card Services, issued by XXXX XXXX, XXXX. was used by fraud. The matter of the fraud was eventually investigated by the credit card issuer and credits were given for the use, the finance charges reversed, the late fees reversed but the credit issuer reported on my credit bureau a late payment during the confusing times and during. This is now affecting my cost for insurance and ability to finance my house and to get lower credit offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Ray Klein, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I CALLED AND TRIED TO PAY THIS DEBT AND COULD NOT GET THME TO TO TAKE MY PAYMENT OR TO TALK TO ME ABOUT ADJUSTING THE COMPANY JUST KEPT CHARGING ME LATE FEES AFTER BEING UNABLE TO GET THEM TO AKE MY MONEY SO I DONT REALLY OWE ALL THIS MONEY BESIDES I KEEP HAVING TO CHASE THE CREDIT COLLECTIONS EFFORTS I THINK THIS IS THE SECOND THIRD FOURTH COLLECTION AGENCY TRIING TO COLLECT ITS A FRAUDULENT SCHEMA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2017-08-08
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I am XXXX years old and have a decent job working for XXXX XXXX XXXX XXXX XXXX. For work, I help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In order to get to this position, it took 1 year of prerequisite XXXX XXXX XXXX at XXXX XXXX XXXX University and then 2.5 years in a XXXX program at XXXX University in DC. This was unbelievably expensive and after 5 years of payment, almost all of my principal balances exceed the loan original balances. This is mostly due to " Private '' student loans. My federal loan debt is {$100000.00} and my payments are $ XXXX/month ( which is very reasonable ). My private loans are another story. I owe {$53000.00} and my payments are $ XXXX/month. ( This amounts to about 1/3rd of my monthly income. ) I repeatedly asked the private loan companies ( XXXX and Nelnet ) to reduce my minimum payment due to meet my income and they have repeatedly refused to work with me on this. My interest rates on the private loans range from 6 % -8 %  and they consistently treat me ( their customer ) like it 's my fault that I can not afford the payments. My credit has suffered when I made late payments while trying to make rent. I am not alone. Many of my friends and professional colleagues are in a similar position. Ideally, I would like to see private student companies be required to offer income-based repayment just like federal loans. It seems like a very reasonable way to allow young professionals to be able to be more financially stable. I would like to see private student loan interest rates also capped at 5 % or lower. This is one of the main reasons for me and many others being stuck in this endless debt cycle. I would also like to see a much larger student loan interest deduction. In 2016, I paid {$5700.00} in interest on my private student loans however ; I was only eligible for a {$2500.00} deduction. If you could push for private student loan reform and an increase in the student loan interest deduction, I would guarantee you would find overwhelming support from the majority of the students and folks who have a ton of student loan debt. I live in XXXX ( XXXX XXXX XXXX XXXX XXXX ) and would be glad to meet and chat about this request anytime. Many thanks in advance, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to American Express of a sum of {$1100.00} on XX/XX/XXXX. 
Prior to that the sum of {$900.00} had been paid on XX/XX/XXXX, and was collected without any sound made. Whatever now happened with the {$1.00}, XXXX beats me hollow. 

Amex claims that they could not verify the account. That they can not verify the payment was legitimate and that I had the money in my account. This is an amount that had left my checking account ending - # XXXX, since XXXX XXXX, XXXX And this is the same checking account that I have been using for payments since XXXX. This has been scores of payments and then suddenly now, in XXXX and XXXX season, it is no longer possible for Amex to verify the payment? Seriously? 

What I noticed is that each time I had made attempt to resolve this problem, Amex kept attempting to access my other bank account password and personal details. This has been going on for over a month now, where Amex has been trying to access my checking account by all means beyond what concerns them. 

It appears that there is a potential threat to people 's personal details for cyber attacks this season by these irresponsible practices and disregard for security of the customer 's account by banks like this, so this matter needs to be noted for the safety of users. 

The problem is that these two banks - XXXX and American Express Bank has sat on my money ( {$1100.00} ) for more than seven days and have been lying to me about who has the money and who doesn't and each time Amex will attempt to collect the password to the XXXX account by all means possible ; stating that if I do not let them, they would not deposit the money. and my account will go into lack of funds. 

There is full evidence that the money was and is available to them and there is no logical reason to assume that the funds that has been sent to them for seven days is not real. the money has been sent to Amex without any restriction since XX/XX/XXXX. 
This act of suggesting and attempting to intimidate me into collecting information that does not apply to their account should be investigated. It is scary. 

Thus, I am worried that I am being intimidated by Amex Bank in a way that bothers between blatant discrimination and misconduct. 
I wish to report this here today so that it can be documented that this kind of thing happens and it is detrimental to the wellbeing of customers who are being intimidated and mistreated in this way. 

This should not be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a mortgage with XXXX for my property for over 12 years ... ... XXXX sold the mortgage to Bayview Loan Servicing. I keep seeing a reoccurring charge for the amount of {$7400.00} ... .labeled as Corporate Advance. I have tried numerous times with verbal communication with Bayview to explain this charge ... ..I have sent them 2 written requests for information regarding this charge. I have requested in writing for time sheets, explanation of charges, the name of the law firm along with the attorney who handled the case. I have gotten nothing and nowhere when I have requested info on this charge ... ..and have been ignored.

Company response to consumer: Closed with explanation