BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ILLEGALLY REPORTING DEBT THAT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY. THIS DEBT IS DISCHARGED AS OF XXXX/XXXX/XXXX AND CAN NOT BE COLLECTED UPON OR REPORTED AS DEBT. WILL SEEK LEGAL ACTION IF NOT STOPPED

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 2019-01-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, I have tried on numerous occasions to work something out with my lender. In the beginning they informed me that i had to go through the waterfall process and that they would let me know if i can do the short sale, it took well over 30 days for them to come up with their assessment. Now, I am stuck with a foreclosure sale date and a good offer that the lender is now telling me that they do not have time to review. I just want the lender to be fair and at the very least review my offer. I am like everyone else, I have my pride and i at least have been actively looking for a buyer on the property. This is the worst process in the world, how can the lender say that they do not have enough time to review the file for the short sale process when they have had all of the documents for over 30 days. Please help me.

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 2018-03-01
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A decision was rendered by the XXXX XXXX XXXX XXXX wherein the proposed decision was a finding had been made that the bill for services submitted by XXXX was done so too late and as a result both myself individually and the insurance carrier was found NOT to be financially responsible. A thirty-day period was provided in which to object to the decision and no objection was filed by XXXX. As a result the decision was filed in XX/XX/XXXX. 

This bill for XXXX has been continuously reported every month to the credit bureaus by XXXX through their collection agent XXXX XXXX XXXX XXXX as an open collection account. In fact, during the specific time frame in which the proposed decision and the final decision was filed, the collection agent XXXX XXXX XXXX   XXXX each time updated their reporting again reporting the collection was accurate. 

Despite several calls to the company, sending them copies of the decision, they have refused to cease reporting it as a collection. In fact, during my most recent conversation with XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was informed by " XXXX '' after he spoke with his supervisor that even with knowledge of the decision, that neither myself or XXXX XXXX was responsible, he advised they intended to continue to pursue repayment from XXXX and while doing so they would continue to report it as a collection account in my name, but would mark it as an " insurance hold '' internally. 

XXXX XXXX XXXX  XXXX are knowingly and willfully reporting false and inaccurate information to the credit bureaus which is having a negative impact on my ability to both obtain credit and to obtain competitive interest rates, all while knowing a decision was rendered finding me not financially responsible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ILLEGALLY REPORTING DEBT THAT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY. THIS DEBT IS DISCHARGED AS OF XXXX/XXXX/XXXX AND CAN NOT BE COLLECTED UPON OR REPORTED AS DEBT. WILL SEEK LEGAL ACTION IF NOT STOPPED

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 2020-03-25
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon finding the company EOS CCA reporting what appears to be a XXXX debt against me, I disputed this back in XX/XX/2019 since I did not know what it was for. It was only reporting to one bureau ( XXXX  ) so I though perhaps it was an error. 
when XXXX  claimed they verified the debt, I sent a letter to EOS CCA letting them know and requested validation of debt. I never did receive validation, only a collection notice. I then sent in another demand in XXXX and XXXX. Each time I only receive back a collection notice that does not provide me any type of proof or what is sufficient evidence of this debt. 
I am including the letters I have sent and the only things I keep receiving from them to show that these dont support proper validation of debt. I do not want to call this company nor should I have to considering I have made sufficient efforts to find out what this is. 
I can not understand how they can still report it and claim to verify this when they still dont show anything from original creditor etc. 
I understand request for validation is a lawful request and this company has failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX Balance : {$430.00} Bankruptcy : XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: SYNCHRONY FINANCIAL
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
the credit score under more than normal by companies checking my credit, this affected my credit

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 2021-01-20
Company: RGS Financial, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i called XXXX XXXX  XXXX they came out turn it on it only worked one week i called they said i already used it for the month so for half no internet the same way the next month. they told me when i got their service i had to get business account because that person would not work but now they have collection on my credit report for XXXX collection name is RGS FINANCIAL COLLECTION IS ON ALL THREE CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Aqua Finance, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX a rep from Aqua Finance , Inc came to my new wife and I and sold us a water treatment system for a house in XXXX but after the system was installed their rep returned and informed us that because of a recent bankruptcy from XX/XX/XXXX, that there was a problem with the loan and that my now ex-wife would have to file for the loan by herself which she did, but since they are unable to collect from her they are using the 1st contract that they denied with me as part of it to collect from me. I have asked them to send me prove a approved loan in the form of a invoice which they have yet to do all the send is a copy of the 1st contract. I made a complaint to the XXXX and even in their answer they state that " Numerous conversations were had between me and them and that I even made a payment via a credit/debit card on XX/XX/XXXX '' which if further looked into we find that all were made by the true owner of the loan my ex-wife ... .to which I have been divorced since XX/XX/XXXX and that I had moved back to XXXX  also in XX/XX/XXXX..I also have been on XXXX since XX/XX/XXXX and on XXXX  since XX/XX/XXXX ... I have never claimed this loan and persist that again the 1st contact was denied, which is their only proof and which I believe has to be illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I prepaid capital one XXXX dollars for there secured ctedit card. I never used the card and closed my acct they refuse to refund me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX I called Equifax to inform them they Had not updated my file since XXXX. They informed me they had incorrect DOB and address. Had me fax over my driver license, birth certificate, and social security card. Called them again in XX/XX/XXXX, I was told they didnt have any record of it. I faxed it again. Few days past I called again. And they told me they couldnt read. I then get a letter they have corrected my name, DOB, social security number and address. ( Letter was mailed to my correct address ) the letter has my social security number incorrect! Even after I sent a copy of my social security card. Ive called them 3 time now and they are telling confirmation number on the letter is not good. And they still have incorrect info and they want me to send them all documents again because they do not have any record of them nor the letter they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: GA
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 am filing this complaint against Experian Credit. I have requested information from Experian to confirm if a debt is accurate. I included my social security card and drivers licensed. The company did not respond. An example of how serious this fraud claim is, XXXX XXXX XXXX Account # XXXX for Loan Amount {$5500.00}. This company is committing fraud. I am requesting that Experian request the original contract and any move-in sheets before and after be provided. Companies are able to put these false claims on a credit report without having any documentation to show an agreement existed or that the amounts owed are accurate. In the case of National credit system, representing XXXX XXXX. I never signed a lease with the apartment complex. When I asked to sign my lease the managers assistant told me not too. When I moved into the apartment I was harassed so much by management because the assistant saw the error the manager made and use me to get the attention to its corporate office. I was recovering from XXXX and stage XXXX XXXX and the harassment was affecting my health. I would request heat and get no response ( remember my health was bad ), I provided documentation to show how roaches and ants was coming through several unsealed cracks. The management said it was renovated! 
Experian needs to request the signed lease and pre moved signed check list for XXXX XXXX under XXXX XXXX from the XXXX XXXX XXXX. This same request for information is for Fair Collections & Out Account Number XXXX. In the case of Account number XXXX for {$2400.00}. I cancelled my XXXX service with XXXX XXXX XXXX in XXXX for poor billing process. As a result I am requesting the original contract for my phone service and the cancellation documentation for XXXX service. 
The account XXXX XXXX XXXX Account Number XXXX {$4400.00} is an account I tried to contact but the company would not send the original contract for me to review. Please have Experian send these companies my request for documentation to prevent fraud on my report. I am sending this request through the XXXX to track the response from Experian for these requests. If this information is not provided by Experian with in 30 days, I would like the account removed from my credit report until the information is provided. I am exercising my rights under Fair Credit Reporting Act 609 and 611. 

Attached are the accounts from my report in which I am requesting the original documentation. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA 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 2021-04-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted Collectors several times .They have never validated he debt .But continue to report it on my credit report. 
FDCPA violations : 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law 1692 f ( 8 ) Any language or symbol on the envelope that indicates the communication concerns debt collection 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( a ) ( 3 ) Must state Right to Dispute within 30 Days 1692 g ( B ) Collector must cease collection efforts until debt is validated FCRA violations : Re-aging the debt, reporting re-aged date of last delinquency.

Letter is attached with a image of account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I would like to submit a formal complaint about XXXX XXXX. 

When I requested recalculation of my IDR payment plan, I was directed to fill out the form OMB No. 1845-0102. This form was partially filled out for me. Yet, Section 6 was not greyed out. I requested a one-month reduced forbearance for XX/XX/XXXX. I submitted this form on XX/XX/XXXX. Furthermore, official letters from XXXX XXXX said my form for recalculation was approved. I assumed this meant that section 6, my request for a reduced one-month forbearance, was approved. The letters also said to continue paying my normal payment till XX/XX/XXXX, which normal to me was the {$93.00}, not the untenable hike that caused me to request immediate recalculation. Had the letter not incorrectly informed me, or had the form not allowed me to incorrectly request a reduced one-month payment, I would have known to save enough money for the XX/XX/XXXX payment. Now, I have to dig into my meager emergency savings and put more debt on my credit card. 

I emailed XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and did not receive a response with respect to my confusion about how much to pay on XX/XX/XXXX. I finally called today on XX/XX/XXXX and spoke with employee # XXXX who confirmed that I am expected to pay {$440.00}, despite their runaround and miscommunications. I will pay the {$440.00}, but I am submitting this complaint because I feel XXXX XXXX needs to be held responsible for their misguided forms and lack of response. 
XXXX XXXX is intentionally difficult because it makes money off of people in revolving debt. These practices are unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America took it upon themselves to apply money from my checking account that was not there without authorization to apply it to old late charges causing an insufficient fund charge to be applied to the account creating a negative balance.

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 2020-06-25
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
A year ago I dismissed a bankruptcy. I have a vehicle loan with Ally Financial. I caught up all {$10000.00} worth of payments and have been caught up on payments since XXXX. My credit report still shows behind 60-90 days. I feel that this needs to be corrected as it is unfair to only report the negative and then nothing when paying as agreed. I have filed a dispute with XXXX  but not XXXX  or XXXX  yet since couldnt do it online. I did send an email to Ally through my account on XX/XX/2020 that they have not responded ded to as of today. All I am asking is that they report things fairly and accurately.

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 2018-03-01
Company: Experian Information Solutions 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:
Paid off credit and merged two accounts credit files show only that account I paid off was closed. The credit limit should reflect {$1200.00} which is the two limits combined.

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 2021-08-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have not been able to get in touch over the phone with my bank to discuss the overdraft payments assessed to my account for XX/XX/2021 {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$68.00} XX/XX/2021 {$68.00} and XX/XX/XXXX {$68.00} totaling {$300.00}. Due to the pandemic I am currently receiving unemployment assistance and trying to manage my money to pay all my creditors monthly and had a few mix-ups along the way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 credit card from capital 1/cabelas was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
IM A VICTIM OF IDENTITY THEFT AND I'VE TIRED TO REACH OUT TO THE CREDITORS AND NOTIFY THEM THAT THESE ACCOUNTS WERE OPENED UP FRAUDULENTLY I'VE ALSO ASKED THEM TO GIVE ME A COPY OF ALL THE INSTRUMENTS USED IN OPENING UP THESE ACCOUNTS AND NOBODY HAS REACHED OUT TO ME. BELOW ARE THE FRAUDULENT ACCOUNTS I NEED REMOVED. 

1 ) XXXX  XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX  XXXX XXXX -AMOUNT $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX   XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX -AMOUNT $ XXXX DATED OPENED XX/XX/XXXX XXXX ) XXXX XXXX -AMOUNT $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX -AMOUNT $ XXXX DATE OPENED XXXX

Company response to consumer: Closed with explanation