BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
This debt is from a auto accident on XX/XX/XXXX. The other parties insurance company will be paying from a lawsuit that was filed. The original creditor never sent a bill to me or my lawyer. Then they placed the account on my credit back in XX/XX/XXXX '. Also they never sent a Medical Lien which all others company 's did. Now I've been fighting with the collection company and XXXX .Back in XX/XX/XXXX ' the collection company sent notification to all 3 credit reporting agencies to delete the account from my report, Which 2 of them did delete it. XXXX refuses to delete it. The collection company has sent me a draft that they sent to XXXX to delete and it's still there. I have also disputed the account with them 7 different times and it has not been removed. Now in XX/XX/XXXX ' I get a letter from the collection company saying the have entered a medical lien over a year later. With that being sent they are guaranteed to be paid once the law suit is settled. So for over a year i have had this account damaging my credit when this all should have been done first once treatment was given. They also had my heath insurance on file but never submitted for payment. I have attached Proof of the draft and the medical lien dated XX/XX/XXXX more then a year later

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
RE : XXXX REPORT CONFIRMATION # : XXXX CONFIRMATION # : XXXX I have called numerous times to get three accounts taken off my credit report. 
1. XXXX XXXX XXXX , XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 Amount : {$580.00} ( See copy of enclosed letter ) 2. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Opened : XX/XX/2019 ( They called my phone asking what credit card I would be using for a payment!!! ) 3. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Opened : XX/XX/2019 These are not my accounts, YET THEY KEEP SHOWING UP INDICATING THAT THEY ARE MINE. THEY ARE NOT!!!! These belong to a lady named XXXX XXXX. My name is XXXX XXXX XXXX. I never go by XXXX, and it's always XXXX XXXX, NOT XXXX. I am told by XXXX that they can not remove them and to contact the companies. The companies tell me to contact XXXX. I am just getting the run around. I recently retired and am in the process of paying off all my debts and having someone else 's accounts on my credit report is not helping!!! I also have alot of hard inquires listed that are NOT mine!!! 
1. XXXX, XXXX. 
2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX First of all, i have NEVER borrowed money at a finance company, nor would I ever step foot in a 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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2019-10-01
Company: Oklahoma Student Loan Authority
State: IN
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:
What follows is an email and letter sent to the Oklahoma Student Loan Authority ( OSLA ) on XX/XX/19. I have previous asked OSLA to remove the delinquency from my credit report and was told that they would not do so. This is a clear violation of Section 623 ( a ) ( 2 ) because they updated my account into a forbearance status for the months I was previously delinquent. They did this to bring my account current. While the original report of delinquency was correct, 623 ( a ) ( 2 ) requires OSLA to update the credit report by removing the negative report and showing the payments as current. They have refused to do so.

Pursuant to section 623 ( a ) ( 2 ) of the Fair Credit Report Act ( hereby, FCRA ), you are in violation of failing to correct and update information. It is the responsibility of OSLA to not only report non-payment to credit bureaus but also to update original reports with new information. 

My accounts have been updated by OSLA with a retroactive forbearance to bring my account current ( this has been confirmed via a recorded phone call at XXXX on XX/XX/19 ). A courtesy I greatly appreciate. However, OSLA has not reported the update to the credit bureaus as my loans being in current instead of delinquency. This is a FCRA violation. 

Furthermore, precedent has been set by the Federal Trade Commision ( FTC ) to substantiate my claim of legal violation. XXXX, of the Department of Education, inquired of the FTC as to if furnishers are required to update credit reports to remove delinquent and defaulted loans from an individuals credit report. The advisory opinion received is clear ; furnishers are indeed required to immediately update the credit reports. Please read : This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ( Emphasis added ). https : XXXX To be clear, OSLA does have a legal responsibility to accurately report payments as paid or not paid. It also, however, has the legal responsibility to update the reports as new information is available. My formerly delinquent loans have been given a forbearance in the months in which they were delinquent. Therefore, the negative report sent to the credit bureaus must be updated to show the accounts as current, not delinquent, for all of the 2019 year. 

This letter is being sent to OSLA via email and standard postal service. CFPB is also receiving a formal complaint to ensure accountability and expedited service. Please correct my credit report immediately. 

Account affected : XXXX Loans affected : *********** *********** *********** *********** *********** *********** Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TransferWise Ltd
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 I arranged to transfer {$5000.00} to a vendor in XXXX. The number transfer is # XXXX. Payment was to be made in XXXX XXXX. I received a confirmation from Transferwise that the transaction went through. However, to this day the money has not arrived in the XXXX bank, nor was I refunded for the transfer by Transferwise. 

There was an error in the account number I originally provided ( where the funds were to be transferred to ), which I was advised would usually cause the receiving bank in XXXX to return the fund. 

TW has provided me with a copy of the payment confirmation issued by their correspondent XXXX showing the transfer was completed on XX/XX/2020 to XXXX  XXXX in XXXX. XXXX XXXX advised me directly that no such transfer was received by them. My vendor showed my transcripts of their bank statement for the period around XX/XX/2020 showing no incoming payment. 

I can not get anyone to talk to me. I have had maybe 20 email exchanges with XXXX and the answer is " we are working on it ''. 

It is now 7 weeks and I am asking for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 I received notice that my loan was in active foreclosure. I called into Freedom Mortgage to discuss the options and was advised to contact the foreclosure attorney once a reinstatement amount has been determine. I didn't understand how I was in foreclosure when there was a large payment that was sent in on XX/XX/2019 for XXXX. The representative explained to me that the funds sent was not enough to make a full payment and the funds remained in " suspense ''. " When the loan was referred to foreclosure, the funds are allocated as Freedom Mortgages sees fit, which was to escrow ''. I was confused since our monthly payment was elevated due to escrow shortage to begin with. I was not aware a company can move funds around without the consent of the consumer. I feel as though Freedom Mortgage purposely moved funds to escrow which expedited the foreclosure process. I talked to a supervisor in collections ( XXXX XXXX ID # ) and explained my situation and ask that funds be moved to reduce the outstanding balance, he apologized but was unable to assist. The supervisor said the foreclosure department makes the decision and agree that I contact CFPB to address my issue. 
I would like for freedom mortgage to move my funds to reduce the outstanding amount I owe in payments. The funds sent was never intended for escrow and it's not contractually stated the mortgage company can dictate how funds are applied regardless of the status of my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EdFinancial Services
State: VA
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:
This complaint concerns ED Financial 's unwillingness to reapply a payment. On XX/XX/XXXX I made a payment to my ParentPlus loan for {$8500.00}. This was a tuition refund from my daughter 's college because she decided to take a term leave. Therefore, I immediately made the corresponding payment to my ParentPlus loan. 

However, EDFinancial misapplied the payment to my other student loans which I have been repaying over an extended ( 20 year ) period since XXXX. I incurred these loans when I was in grad school. I suspect EDFinancial applied the payment to these loans because it had a 4.125 % interest rate versus the 6.31 % ParentPlus loan. 

I contacted the servicer on XX/XX/XXXX by phone and by email to request reapplication of the payment into the correct loan group. EDFinancial replied on XX/XX/XXXX asking me to contact the new servicer instead. Unfortunately, I do n't have access to the new servicer yet because my original student loans ( from grad school ) are now under review for the Public Service Forgiveness loan program. I am afraid that if left uncorrected, my loan balance that qualifies for loan forgiveness will be lower by {$8500.00}. Also, I will be left with a ParentPlus loan with a higher interest rate. 
I am hoping you can help me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX   working as an agent for XXXX XXXX XXXX, Offering to settle an account with XXXX XXXX XXXX XXXX, XXXX This account was settled and Dismissed on XX/XX/XXXX thru local court. I received a Notice Of Dismissal from court signed my local judge and attorney for XXXX XXXX XXXX XXXX, XXXX I answered the letter and enclosed a copy of the notice I assumed this would resolve the issue. I heard nothing until today when I received another collection notice even though I had sent them a copy of the Dismissal They stated they were willing to settle for 35 % of original amount. Once again I sent them a copy of the notice. This is not right and I am not happy about what I consider an attempt at fraud

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 2015-11-13
Company: U.S. BANCORP
State: CT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been trying with no success for an explanation or an investigation into a debt on a credit card I have with Elan Financial which I havenever used .This came to my notice when I applied for a mortgagetwo months ago.I requested a statement from Elan which they sent, onthe statement there are XXXX transactions with sidetick ( phone number ) XXXX, I am 100 % sure I never used my credit card for anypurchase since I got it, I have been calling ELAN financial since thentrying to get them to investigate the matter so it is taken off my credit, theyhave not been professional about it, some of the customer service people have been very rude, some do not know what to do and just transfer meto other departments, I can be on the phone for about an hour and betransferred to about XXXX different times to different departments, I speak to someone in fraud, who will then transfer me some where elselike collection, collection will also transfer me back, I get so fraustrated, they dont even update my information when i tell them, it is obvious noneof the customer service people care..I have tried onserveral ocations with no luck.I have even spoken to some supervisorswho will say they are starting a case for me, and that someone from fraudwill get back to me, but I later find out nothinghad been done because when I call the next time, they tell me the same thing.This has been going on for about two monthsd. 
Yersterday after trying for a long while, I got some one who once againtold me she was opening a case for me, but annoyed me by saying thecase may not be pursued because it is over a year the last transactionwas made.I tell her that is wrong because I never used the card, the transaction on the card was not made by me and I am sure they can find out if they wanted. 
I now feel like I am being robbed by Elan Finanacial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: KY
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:
Experian and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state RISA and MVISA, I have contacted XXXX XXXX XXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Experian along with the supporting documentation that they have I have enclose copies of my requests to the XXXX and Experian that was sent XXXX XXXX, 2017, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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 requested a copy of my credit reports and noticed that this company was reporting an inaccurate debt on my report. I sent a letter to this company on XX/XX/XXXX asking them to verify this debt owed as mine. I received a letter back, which they failed to verify anything, instead Portfolio Recovery sent me a list of charges or an itemized bill of what I alleged owed. As shown on the statements that I were sent for XX/XX/XXXX, this is NOT my name NOR is this my address. I clearly indicated my information on the first letter. 

I was confused as the originally creditor was XXXX XXXX. 
When did Portfolio Recovery become a bank or a lender? 

On XX/XX/XXXX, I sent a follow up letter, once again demanding validation of this alleged debt that I owe this company. I received a response, that stated that any further disputes would not be looked in to as they have already verified THEIR information to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is the collection agency that XXXX XXXX sent my account to. 2 months ago, they took my balance of {$550.00} off of my credit report. After about 3 weeks they put the amount back on my credit report and reported that account was opened on XX/XX/2017 which is 100 % false. I tried to call CONVERGENT and they could not even find my information in their system. They should not be able to remove that from credit report then enter it again with a new date that is fabricated.

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 2018-03-18
Company: Midwest Recovery Systems
State: NV
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:
Midwest Recovery Systems added collection to my credit reports without my knowledge ; and in doing so, violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. 

I request that Midwest Recover Systems verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Midwest Recovery Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

Midwest Recovery Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America credit cards through several different companies never applied service member civil relief act and interest rates were not calculated properly.

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 monetary relief
Consumer complaint received 2019-05-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Today my partner and I received a letter from our bank about a {$4200.00} hold against oursavings account and an additional fee of {$120.00}. This account was started in his name and all the assets in the account are from him. However I a non-spouse partner was added to the account this year. The debt is allegedly against me, yet there is no debt on my credit report that reflects this amount. Our first information on this is a levy against my partners separate property for a debt not by him, nor evidently by myself according to our credit reports. The letter from my bank only told us the office this came from was in LA, other than that we have been provided no information.

Company response to consumer: Closed with monetary relief