BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A provider later identifying itself as XXXX XXXX XXXX XXXX XXXX provided ER doctor services at XXXX XXXX hospital. 
I visited local ER on XX/XX/XXXX & again on XX/XX/XXXX. 
XXXX XXXX Hospital is an 'in-network ' provider for my insurance. 

Soon after, I was notified by my insurance company ( XXXX ) that the provider ( ultimately Wakefield & Associates/XXXX XXXX XXXX XXXX   XXXX ) had billed rates that were significantly above normal & customary. 
Insurance paid the provider {$750.00} against the {$1200.00} that was billed, and disallowed the remainder. I then paid the provider an additional {$75.00} above & beyond what my insurance had already paid. 

I then reached out to the provider, pointed out that the amounts they had billed for were higher than customary, and requested that they adjust. The provider never responded to my request, or to my insurance company, and ultimately sent what they deemed the 'balance ' to collections, having a negative impact on my credit report. 

I have also disputed the amounts with the credit monitoring companies, but of course the dispute makes no difference there, as the 'creditor ' simply insists that the amounts billed are accurate. 

Since I went to an 'in-network ' facility, I have no way of knowing at that time that the ER doctor is not within network. Wakefield & Associates is taking advantage of this situation to submit excessively high bills for their services. 
They are then unwilling to acknowledge that the charges are inappropriate and SHOULD be adjusted. 
There are a large number of similar complaints against Wakefield & Associates already in the CFPB online database, so it is quite obvious that they are doing this repeatedly, and on a large scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I got a few XXXX XXXX  XXXX accounts which are long time closed. Experian reports it as open and inactive which causes me damage. Yet Experian refuses to update it or dispute it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Someone opened this account without my knowledge using my personal. This account is FRAUD & I want this deleted from 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 2021-07-19
Company: Rent Recovery Solutions
State: GA
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  is the only Consumer Reporting Agency still reporting an inaccurate account on my consumer report. Account RENT RECOVERY SOLUTIONS is an inaccurate account. RENT RECOVERY SOLUTIONS, LLC has failed to validate this account with the oringal contract with my signature. I have know knowledge of this debt, and I have no legal binding contract with RENT RECOVERY SOLUTIONS, LLC. XXXX  and XXXX  removed the account but XXXX  has yet to remove this account which is a violation of the FCRA. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX  continued willful and negligent noncompliance. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of XXXX  first investigation and subsequent reinvestigation, XXXX  stated in writing that theyverified that this item is being reported correctly? Who verified these accounts? XXXX  have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 611 ( a ) ( 1 ) ( A ). Furthermore XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX  is required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX account XXXX is inaccurately reporting on my credit report. Experian and XXXX keep saying they have verified the information but I have evidence from XXXX saying otherwise. This inaccurate account needs to be removed immediately from my credit report or I will be seeking legal action.

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 2020-08-01
Company: Experian Information Solutions Inc.
State: NE
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:
The credit bureau is reporting a Chapter XXXX Bankruptcy on my credit report. This is not my account. I have disputed to with the credit bureau several times. XXXX XXXXemoved the chapter XXXX bankruptcy from my credit report. This is a violation of the Fair Credit Report Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Caliber Home Loans, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was unlawfully foreclosed on by Caliber Home Loans and XXXX XXXX XXXX XXXXt. The foreclosure should not have taken place as foreclosure paperwork was fraudulent in there was no disclosure of change of ownership. This change of ownership was no disclosed to the court. Additionally this is an unfair debt collection practice by the firm that represents Caliber Home Loans. In the case involving this particular assignment, evidence has surfaced that shows the XXXXXXXX XXXX XXXX XXXX  is in fact not a trust holding beneficial rights to the Defendants loan, but rather it is an undisclosed Participation Agent for yet more undisclosed investors. In essence, the named assignee and Plaintiff in this case, XXXX XXXX  XXXX, XXXX. as Trustee for XXXXXXXX XXXX XXXX XXXX  is nothing more than a sham

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Social Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX, I received a targeted advertisement in the social media platform XXXX for a personal loan to payoff credit card debt from XXXX XXXX ( SoFI ). I began the process of " checking my rates '' on XX/XX/XXXX, however due to the amount of information needed I did not complete the process that day. On XX/XX/XXXX and XX/XX/XXXX, I received additional emails from SoFI encouraging me to complete my application. On XX/XX/XXXX, I completed the application by providing my address, date of birth, place of employment, years of professional service, and annual salary. 
After requesting my rate, instead of showing the available rates ( which is what I was attempting to access ) I was notified that I had been declined for a personal loan. At no point was I advised that I was actually applying for the loan as the site left the impression I was checking the rates. 
When attempting to access the Adverse Action letter, I was directed to call as the reason was " other ''. When I called SoFI I was informed that the denial was due to my credit score was too low and my debt utilization is too high. I asked for the minimum credit score, but was advised that the required score is proprietary. I also explained that there is no adverse action letter on my account and that I expected the denial to be put in writing. The customer service agent explained that I can view in my account and seemed unconcerned when I said that it was not available online. She offered to send it to me via email, but the email I received from her only directs me back to the original link inside of the SoFI account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This financial institution NationStar Mortgage LLC, has sued me in a foreclosure in which I have asked for a validation of that debt in which the institution assumes to be the representative of XXXX XXXX XXXX   XXXX XXXX, Trustee, on my property which I have asked to be the institution supposed to be the account creditor, I have requested, as you have obtained this note and mortgage, I want your department to intervene in questioning the operation of this financial institution NationStar Mortgage LLC, since this institution was fined in the past by your department for numerous federal and state violations regarding the procedure of becoming account owners in an inappropriate manner, not following the federal laws and regulations of the finance department that requires you to comply with the law, such as RESPA, TILA, where the procedures for obtaining consumer accounts and respecting all procedures must continue to apply. established by federal law of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received my statement with the closing date of XX/XX/22, There were XXXX charges on the statement. I received and paid for the item in the amt of {$10.00}. The XXXX  item was never received. I notified the company that it wan not received. My bill should have been XXXX at this point. The next month I received a statement with late charges and the amt of the item I did not receive was still included in the balance. This went on for several months-more late fees and interest. I made several phone calls to the company and to Commenity Bank explaining the situation. I continued to receive bills with mounting interest. On XX/XX/22 I sent a letter to both Woman Within and Commentiy Bank to which I never received a response. More phone calls and interest. A couple of weeks ahgo Commentity called me and I explained the situation. The person I spoke to said she was going to note my account-refusal to pay. I do not owe them any money. I paid for what I received. I received a bill yesterday and the amt is {$230.00}. All interest and late penalties. Somewhere along the way Woman Within did credit me for the item I did not receive but they never credited for interest and late charges and they are still mounting. I don't know what to do!!!! ( I did receive something that I did not order and was addressed to someone in another state and sent that back )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: MO
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 three credit agencies have inaccurate information about my name, addresses, phone numbers, public records information. These three agencies are allowed to casually commit libelous acts against the public, with little to no consequence, but the consequences for the individuals are real. Also, I shouldn't have to send in a copy of a driver 's license or utility bill to access MY credit report. I don't need to send a credit reporting company a copy of my driver 's license or utility bill. That is insane and an invasion of a person 's privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. XXXX : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.Transunion  has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.XXXX  has XXXX XXXX, XXXX XXXX, XXXX  XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
.

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 2018-02-21
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are reporting {$660.00} on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife and I received a notice of debt from AssetCare LLC dated XX/XX/XXXX. I called them XX/XX/XXXX and informed them that the information provided didn't provide enough information for us to verify the debt was valid. I was told to email their company and did so on the XXXX. I followed up with another call on XX/XX/XXXX when I did not receive a response and was told that sometimes it takes a while. They still have not been able to provide that information. The initial paperwork also did not have all the legally required declarations about disputing the debt. They called me XXXX and I returned the call XXXX and told them that since the debt was over 6 years old and that they hadn't responded to my request for documentation that I would not accept any more communications from them and would be making a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 writing in regards to TransUnion of unauthorize inquiries on my credit report. Which I never authorize or sign a authorization form giving permission to pull a hard inquiry. I have sent a formal letter requesting TransUnion to investigate and provide proof of signature and has failed to do so. The following creditors thats I have requesting to re-investigating are as followed : - XXXX. XX/XX/2018 - XXXX. XX/XX/2018 - XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX/XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 XX/XX/2018

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 2019-09-13
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: Old information reappears or never goes away

Complaint:
On XX/XX/2019 I called all 3 credit bureaus ( transunion, XXXX, XXXX  ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.

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 2019-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I keep getting denied for a loan modification. I am being told that they cant verify my income. This is not true because I have been sending awards letter from XXXX. 

I have spoken to a representative and they have told me they have had a problem with my taxes. This has been going on since 2016. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
hello i need know loan student we not affrobale pay back ssa lose and job suspended my healthy issues XXXX  XXXX i was temp leave til struggle calm down please wavier loan and left wavier please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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 information incorrect

Complaint:
Reported credit error and gave them 30 days to fix/delete. It has now been 76 days and they have still not deleted erroneous 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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I  hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.

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