BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-17
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
I had an alert back in XXXX for a negative account popping up on my credit report for XXXX and XXXX   From Mid West Recovery No idea of thos account I had recently went through a credit repair company which did nothing so i began buolding and repairing my credit Because of this account that this company placed without no notification or letter of debt validation has greatly lowered my scores They violated under FCRA because they did not send me tbe consumer a debt validation letter and having a 30 day response for me to respond just put this as a negative for {$250.00} Its for a pay day loan and on my XXXX  it has for a XXXX XXXX but info says medical and on my XXXX it says XXXX XXXX also never did i receieve a phone call Till this day the # on the report never get calls from unless they our using different # which these scammers do When reported to XXXX XXXX the next day they deleated so why cant XXXX  I also put in with XXXX Please i want this account removed and deleated I was so shocked to read on this site how many consumers have or had same problem Mid West Recovery still has not shown validation and the time line has passed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX XXXXXXXX. DPT EDXXXX.

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 2021-03-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
WORST experience of my life with a bank resolving THEIR mistake. Put a cashiers check for my landlord in who knows whos account. Claimed it was corrected but REFUSED to give me a corrected receipt for the deposit. Branch manager refused even when I asked can you just type up a letter on your letterhead stating correct amount and account and again she REFUSED!!! This is your mistake and this is your way to fix it for a customer???? Disgusting. I will share this experience on social media daily How do you REFUSE to proved a corrected receipt for a deposit to a customer when you all messed it up to begin with????????? 
All I have is a persons word its fixed??? What if a month later the landlord claims they never got it. How do I prove it without the corrected receipt?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to add documents that were not previously submitted to complaint number XXXX : 1. HUD statement at time of purchase, 2. Appraisal value ( 2016 ) by XXXX 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 monetary relief
Consumer complaint received 2021-09-16
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: OneMain Finance Corporation
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:
Someone fraudulently opened up a secured loan in my name and this company has done nothing to investigate or remove this from my credit report. One main has been reporting fraudulent information to my credit report and just recently they increased the overall amount of the loan. How is this even possible for a company to tarnish a persons credit without Authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Accounts on my credit report are not mine and have not been verified by the credit bureaus.

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 2017-12-04
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a debt that was sold to XXXX XXXX XXXX. I have requested validation of this debt by way of documents containing my signature, as this account does not belong to me. XXXX XXXX XXXX sent bills and advised that this account was sold to them by Sterling Jewelers, with whom I have never had an account. Sterling Jewelers has neglected to send proof of this account 's validity with verifiable documents that bear my signature as proof that I established this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX began emailing person about her moving in with me XXXX and originally gave me a SD address. We emailed daily and I trusted this person due to the emails we exchanged. She told me she was a yoga instructor and had been accepted to go to a yoga seminar in XXXX XXXX, XXXX. I looked this up online and there was a XXXX XXXX XXXX there until XXXX XXXX. We emailed daily while she was in XXXX and said she did not get international calling on her new phone. She was to send me a check to cover the 1st months rent and enough to pay movers since she was flying into XXXX when the seminar was over. I received the check and deposited it in my savings at BOA on the XXXX of XXXX.at the bank with a teller. I told her I wanted to make sure it was a good check. It showed pending until XXXX of XXXX.then turned to a credit. She emailed around XXXX and asked me to take {$600.00} rent out ad send her the rest XXXX to XXXX since she would have to get new movers and pay them herself. I transferred {$2300.00} from my savings to checking and went to XXXX to send the money to XXXX. My debit card accepted the transaction and the money was sent. Later that evening I was emailed by my bank I had a negative in my savings due to the check being fraudulant. BOA told me there was nothing they could do and it left my account in a negative as well as taking {$740.00} I already had in my savings.

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 2019-10-02
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My dispute is with NewRez Financial regarding the cancellation of my PMI ( {$210.00} ) back on XX/XX/2019. 
Based on my property value, the PMI should be cancelled but unfortunately due to an error of the person who NewRez assigned to perform a BPO, the PMI still being charged on my mortgage. I've provided plenty of supporting documents to show the error in addition comparable sales around my property and almost 3 months later, NewRez has yet to provide me any feedback. I've called numerous times their Customer Service line and nobody seems to know what is going on and nobody returns my calls with any type of information. NewRez assumed my mortgage early this year and to say the least it's been a nightmare.

Ironically enough NewRez constantly sends me offers to refinance my mortgage with a cash-out option obviously fully aware there's plenty of equity in my property and yet they won't cancel my PMI. This is a total scam and I'm very frustrated with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I went to the emergency room of XXXX Hospital  in XXXX, Ohio. Soon after that visit, I received an invoice for approximately {$600.00} for the emergency room fee, which was paid immediately. On XX/XX/2019 I received an invoice in the amount of {$240.00} from XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. ( XXXX ). The invoice had written on it " Final Notice. '' This was the very first invoice I received for this amount and the invoice did not reference what it was for, just said services at The XXXX Hospital. I called that company and asked them why their invoice says Final Notice when I hadn't received a first notice. They offered no explanation and asked if I wanted to pay the bill over the phone. I said " no, I need to investigate this charge. '' I then called XXXX Hospital and found out they use this billing company and the charge was for the doctor 's fee. On XX/XX/XXXX I sent this company {$100.00} toward the {$240.00}, as I wasn't even sure if it had been submitted to my insurance. Then, on XX/XX/19 I receive a call on my cell phone from HRRG ( whom I had never heard of ) and they asked for my date of birth, which I refused to give as I work for a XXXX  and am familiar with fraud. After arriving home on XXXX I see a letter from HRRG which indicated they were a debt collector and telling me I needed to pay {$240.00}. I then called HRRG and tried to explain the above events and they refused to acknowledge anything. They had no record of the {$100.00} payment I made, but I then paid the remaining {$140.00}. The person on the phone asked me to give her my address. I told her that the address on the letter they sent was my address and why did she need me to give it to her. The whole thing was a horrible experience and they used scare tactics to get paid.

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 2020-08-21
Company: Experian Information Solutions Inc.
State: TX
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 disputed XXXXXXXX XXXX XXXX off of my credit but Experian keeping it on my credit. These are false accounts i have nothing to do with. Experian is violating my credit rights.

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 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit XXXX XXXX score and my XXXX is showing 6 hard pulls that I do not recognize.XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX were XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted XXXX and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.

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 2021-09-16
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans were taken out when pursuing my graduate school education starting in XXXX XXXX. At that time, my Stafford subsidized and unsubsidized loans were serviced by XXXX XXXX. As I continued my education, my loans were then " transferred '' to XXXX. During that time my subsequent loans were serviced through XXXX from XXXX - XXXX. In XXXX, my loans were taken over by AES until now. At the time there was a income adjusted program that I enrolled in XXXX. Intrrestingly, no one ever directly said they sold my loans, like they did mortgages at that time. Upon completion of my education in XXXX, the total loan amount was + {$100000.00}. I have been working as a federal employee since XXXX. In recent years the SLRP became available, however my position never qualified for SLRP until I switched my occupation in XXXX. In XXXX, I submitted my paperwork to the Department of Education and waited for a response from the PSLF. After receiving an email response that they received my application, I waited some time for a response. I eventually reached out and was told that I was not eligible and directed me to page 8, paragraph 2 or 3, I believe, and told me my federal loans did not qualify because it pre-dated the new program and loan serving structure and told me to contact AES for options. When the program came into being, I did recieve information from my employer of its existence but no information was provided by my loan servicer that I needed to switch to FedLoan serving loan when inquired. However,, this time I was told that by re-applying for a new loan under FedLoan Servicing I could to be eligible in 10 years because of the type of loan I was under. Should I need to work beyond retirement age to be eligible? I believe that better communications from the Department of Education during the inception of this program would have informed me of my rights, rather than rely on an entity that benefitted by serving federal customers with eligible and non-eligible loans. The lack of transparency has kept individuals like myself obligated to paying these companies longer than I believe the government intended. It appears that the Dept of Education is doing this again by " selling off '' FedLoan Servicing. Where is the detailed communication to borrowers about how this will affect current loan forgiveness programs?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Bread Financial Holdings, Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX reported a false late payment to the credit agencies and now they refuse to remove it. Unfortunately, I do not have proof of the check or date of occurrence as it was 3-4 years. My bank just does not allow me to go that far back. 

As I recall, I made a monthly payment to XXXX XXXX XXXX and mailed the check to the address found at the back of the statement. For some strange reason they could not locate my check. They later identified that it was received by another department. When the payment was finally transferred to the correct department, it was processed into the system as being received that day. Even though it was paid and recieved prior to the due date. 

This payment has lowered my credit score significantly and hurt my chance of obtaining school loans. I tried disputing the incorrect information with the crediting reporting agency. However, comenity bank keeps declining, despite the fact that it was their fault the payment was late payment. Also, the company did not take into consideration my excellent payment history with them. They rather see good customers like me, credit, take a major hit. This is one of the reasons so many people are struggling is because credit card companies are quick to tarnish consumers credit, knowing that America runs on credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check from an individual and that check was drawn against a bank of america checking account. There was uncertainty if the funds would be available to cover the check, so instead of depositing at my bank and risking a NSF draft fee I took the check to bank of america. Being it was there check it was my belief they would honor their own check and cash the check being drawn on their account. Bank of america charges {$8.00} fee to cash a personal check drawn on an account at their bank. As a federally insured financial institution it they should not be allowed to charge for cashing personal checks drawn on account at their bank. The only way to avoid the fee is open an account with bank of america which requires agreeing to a credit check.

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 2018-03-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted three times by XXXX XXXX XXXX In California on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX about a debt with XXXX XXXX for my XXXX XXXX. I do not nor have I ever had an outstanding balance with this bank as shown in my statements and from contact with this bank. The customer service agent has a different address than mine. This is clearly not my account. I have asked several times for them to stop contacting me and do not want to via mail as I do not want them harassing me in person or with endless letters. I have blocked their number, but I have gotten calls from other numbers instead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, not 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 2015-07-25
Company: AVANTE
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm being charged for a hospital visit. I never even received a bill from the hospital. Also I have Medicaid insurance and have had it for over 3 years. I do n't even have a copay my insurance pays for everything. They took a copy of my insurance card and drivers license at the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Portfolio Recovery was issued a cease to desist letter which was sent certified usps mail with return receipt and delivered with documentation on XX/XX/XXXX. In my letter, I asked for ALL communication to stop which means direct and indirect including via all mediums. Reporting to credit bureaus is in fact, an indirect communication. Portfolio Recovery was informed and requested in my cease to desist to remove this alleged debt from all reporting agencies that they have reported to. Portfolio Recovery has not complied nor responded to my letter via mail with the required documentation to terminate their attempts or any other collection agency with regards to this matter. On XX/XX/XXXX, Portfolio Recovery indirectly communicated to me by updating this alleged debt via XXXX  instead with an alleged debt balance owed. This is a violation of my request and I demand monetary compensation of {$1000.00}. Please see all documentation evidence including certified letter with signature, return receipt and the recent indirect communication to XXXX  on XX/XX/XXXX after receiving my cease to desist letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief