BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX/XXXX/XXXX I received a letter from Frost-Arnett Company at XXXX XXXX XXXX, XXXX, TN XXXX saying that I owed a debt that I do n't believe I owed. I sent them a letter, certified with return receipt requested that asked for validation of the debt and also in the letter they were told to cease and desist all contact. According to the return receipt and the tracking info on aimed by the XXXX, they received the letter on XXXX/XXXX/XXXX and was signed by someone in their office. They continued to call. They called on XXXX/XXXX/XXXX and continued to harass me from a Kentucky number at XXXX : XXXX. ON XXXX/XXXX/XXXX I received a letter from same company. In a false attempt to verify, not validate, the debt they had access to important personal medical records with procedures and procedure codes on it that I thought was a hippa violation. I do n't feel comfortable with them having access to my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello : I contacted the Equifax regarding inaccurate/unverified entries on my credit profile. There are 2 hard inquiries ( XXXX XXXX ) & ( XXXX XXXX ) that were nonpermissible & unauthorized. I was advised to contact the creditors regarding my dispute ; they were of no assistance & had no record/information. Equifax sent me a statement, indicating " inquiries are a factual record of file acces.. '' to contact the creditor. I have done so & the creditor had no record, no information & referred me back to Equifax. This unacceptable. 2 ) My credit profile as indicates a public record which is inaccurate/unverified. I was advised by equifax to contact the lister. I made contact, and provided a court letter therfore, they don't report information as they aren't reg by credit bureaus therefore, the equifax inaccuracies must be removed. Overall, based on my dispute, provided documentation, AFFIDAVIT & court letter. And clearly equifax is stating they verified, but as Equifax verification is obviously inaccurate, assistance is needed. My consumer rights are being violated XXXX & clearly reporting invalid, specious information. Due to equifax 's breach, i have redacted unncessary info and have supplied copy of letter received regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a text message from the Chase Fraud prevention department asking if I had authorized a transaction for {$230.00} and I replied no. Immediately I received a call from the fraud prevention department telling me that they had successfully stop the transaction prior to it going through. On XX/XX/XXXX the transaction posted on my account. I called to make a claim, they told me that my card shouldve been canceled to prevent this fraudulent transaction. They gave me a phone number for the merchant that was an invalid number. I tried to XXXX the company but was unsuccessful in reaching anyone. Days later I received 7 exact creams that seemed to be packed in a house with no return address, phone number, or any contact info for company. I reported this to chase as well. I have these creams exactly as they arrived in case they made contact with merchant and wanted me to return. I received a letter from chase stating they had found transaction valid and would be withdrawing the monies from my account. I called and basically was informed by chase that they have labeled my claim as a fraudulent claim after I reported this was not an authorized transaction 5 days prior to it posting. Representative and supervisor refused to transfer me to a manager. I feel chase has violated by consumer rights. They are penalizing me for there failure to act appropriately and timely. If they would have canceled my card on XX/XX/XXXX all this would have been avoided. I believe that my information might of been hacked into and Chases failure to act has caused this. Initially Chase stated the transaction/merchant is XXXX XXXX - default which is what shows on my bank transaction. The creams have a label for XXXX. Today when I contacted chase they refused to give me the merchant information that they claim to have contacted to verify the validity of the transaction and after a long discussion the Supervisor only gave the the name of XXXX  as a merchant which is completely different than what was posted on my account. I feel violated and insulted by the remark by Chase that I submitted a fraudulent claim. My complain is against Chase and against those companies that are committing Fraud and obviously hacking into accounts to take people money. I would also like to pursue legal action against Chase and that company. Not sure if you can provide me with guidance on what to do next. In advance, thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18
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:
I have requested that experian credit reporting to re investigate a bankruptcy that was placed on my credit report in error or by fraud they are refusing stated they have investigate information in past i stated that information was recived by experian was from a third party ask them to do a re investigation on this matter they continue to refuse and continue to report inaccurate information that 's not 100 % accurate as the FAIR. CREDIT REPORTING ACT states in complete violation of section 604 ) ( 605B ) ( 609 ) and ( 611 ) they are stating they will not investigate due to 611 of above sub section of Fair credit reporting 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 2019-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX used my credit report without my authorization. Both these dealerships sent my credit application to multiple finance companies without my consent, causing many Hard Inquiries. I mailed each of the companies and they stated that these 2 dealerships authorized them to run my credit. This was an illegal use of my credit authorization and I would like these Hard Inquiries removed from all three ( 3 ) credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
An account associated with XXXX XXXX XXXX located in Minnesota has been reported to my XXXX, XXXX and XXXX credit profile. I have requested the debt to be validated under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed every time to validate the account. I have also faxed and mail other requests only to not receive a professional and proper response. Unfortunately, XXXX XXXX has NOT validated the debt from 2014 nor have they responded to any other requests regarding the account in question. I mailed my very last correspondence to notify that I would be reporting to the CFPB. I look forward to hearing from your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: TN
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 mailed in two dispute letters requesting that Experian to verify negative accounts on my credit report. They " verified '' these accounts after online dispute. I have since mailed two different dispute letters, and both times, I got back from them a letter in the mail stating they will not reinvestigate. I called and spoke to an Experian representative. She stated to me that they do not have an original signed contract from the original creditor as required under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian has failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617 of the FCRA, if the CRA fails to comply with the federal law. I demand the following accounts be VERIFIED OR DELETED IMMEDIATELY. 

1. XXXX XXXX XXXX XXXX ( accnt # : XXXX ) 2. XXXX XXXX ( accnt # : XXXX ) 3. XXXX  ( accnt # : XXXX ) 4. XXXX/ XXXX ( accnt # : XXXX ) 5. XXXX XXXX ( accnt # : XXXX ) 6. XXXX ( accnt # : XXXX ) 7. XXXX XXXX XXXX XXXX ( accnt # : 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 2019-10-04
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been getting collection calls from navient. They used to only hold my private loans but they are now saying they have two federal student loans they were collecting on. My complaint is that they collected on my federal loans without telling me they were the federal loans. I didn't even know navient had 2 of my federal loans. I know the options available and consumer protections in place for federal because I also have XXXX who manages my federal loans ( and do a good job ). With Navient In setting up payments, however, I was not told that the payments I was setting up were for my federal loans since I didn't know they owned those XXXX. Furthermore, the payments I set up, in the amount of XXXX every two weeks, with Navient.I was under the assumption were to be allocated across all of my private student loans. Upon calling in to reschedule a payment a customer service rep informed me the payments were only for my 2 federal student loans they owned and that they were set up incorrectly. They should only have been for XXXX. Every two weeks Because it was only for the 2 federal loans. Only I was told it was for all of my private loans and that they'd be garnishing my paycheck or taking my house next. So I set the payments up. 
Meanwhile I'm also getting collection calls from the other navient, navient collections ... which is why I complained to the previous mentioned agent in the first place it's like they were two different companies and I didn't know. They were both collecting but I thought they were one entity. Deceptive collecting and incorrect info given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Supposed to get payment from XXXX XXXX  Western Union since I have been a customer from XX/XX/2011 to now and have received nothing from them, how do I get my refund??? 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tx. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I admit that I owe something but the loan amount itself should not be more than {$10000.00} then whatever interest it would have accrued over time. 

Also, the student loan company has taken my tax refund on a couple of occasions. One time it was nearly {$8000.00} The contracts they sent me if they are legitimate amount to less than {$10000.00}, nowhere near the {$30000.00} they say I owe. 

Keep in mind ACT student loans must have sold the rights to consolidate and take over my student loan debt to NAVIENT. 

Either way, these amounts are grossly wrong. 

When I was in college my legal name was XXXX XXXX XXXX XXXX. I changed it legally on XX/XX/2013 to XXXX XXXX XXXX XXXX. This will explain the slight difference you'll see. 

I need to have the unfounded student loan debt wiped out and I need for NAVIENT to correct the debt on my credit report immediately. 

As I stated on our call earlier today, NAVIENT is reporting this debt as {$54000.00} to all three credit bureaus ( XXXX XXXX XXXX XXXX ) making it look as though I had a {$30000.00} loan and I went over the balance by {$24000.00} this is a 185 % debt to credit ratio and has been hurting my credit for years. 

I'd like for ... Navient Student Loan Services to ...

1. Provide copies of all student loan agreements/contracts that they say I signed for a total of {$30000.00} 2. I'd like for the true amounts to be recalculated and interest on the new balance corrected for the past 26 years 3. I'd like for my credit reports to reflect all true and factual numbers 4. I'd like for my credit report to reflect the true balance of the actual loan amounts they say I owe to all credit bureaus 5. I'd like for my credit report to reflect the interest as part of the balance and not reflect that I went over the balance by {$24000.00} as it does now. 

Keep in mind that i have hired an attorney to try and get them to do the right thing and they did not provide proof to us about loan amounts, nor did they correct the reporting on my credit reports. 

Please read the above details for more clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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 belongs to someone else

Complaint:
Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX XXXX XXXX plus more.

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 2019-10-04
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Hi my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX  XXXX XXXX plus more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Self Financial Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my account and the company has failed to return my security deposit. The have been giving me the run around and not sending me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: AES/PHEAA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX  filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX  XXXX AES/PHEAA/AMERICAN XXXX SERVICES TO XXXX ( XXXX  XXXX XXXX XXXX XXXX A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX  balance. Between XX/XX/XXXX and XX/XX/XXXX AES sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dates I've been contacted : XX/XX/19 ( two times ), XX/XX/19, XX/XX/19, XX/XX/19 ( three times ), XX/XX/19 ( five times ), XX/XX/19 ( two times ), XX/XX/19 ( two times ), XX/XX/19 ( five times ), XX/XX/19 ( three times ), XX/XX/19 ( two times ), XX/XX/19 ( two times ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: JPMORGAN CHASE & CO.
State: PA
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX, AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX , XXXX  AND XXXX . 
ACCOUNT NAME : XXXX. XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX , XXXX , AND XXXX . 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ORIGINAL CREDITOR : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING DATE : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Beginning XX/XX/2019 a fraudulent address was brought to my attention by XXXX. I followed the XXXX recommendations. In XX/XX/2019 I called my mortage company, Ditech Financial, LLC about my XXXX monthly billing statement. Ditech sent my billing statement to the fraudulent address. Ditech customer service received a power of attorney paperwork for a change of address without verifying the address which I informed Ditech was fraudulent. Ditech informed me that the only way to get a new account number was to refinance with Ditech. WHY WOULD I REFINANCE WITH DITECH WHEN THEY GAVE OUT PERSONAL INFORMATION WITHOUT MY PRIOR APPROVAL.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I was approved for the US Bank XXXX XXXX XXXX XXXX credit card. I applied for myself and several employee authorized users. 

However, I received a card for only myself ( -XXXX  ) and one employee ( -XXXX  ). 

I applied for additional employee cards because our company did not receive the original employee cards we applied for, the first time. We applied for our other employees this time, and they were all approved. These were accounts -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX statement, I received the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX  and -XXXX. 

On XX/XX/XXXX statement, I did not receive the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX, I reached out to US Bank to clarify but the response given by XXXX was that the {$200.00} bonus offer per card is only applicable to those given at signup. 

1 ) When I first applied, I had applied for several authorized user employee cards, not just for myself or for XXXX XXXX ( -XXXX  ). 

2 ) The terms and even the website ( https : //www.usbankedge.com/credit/business-edge-cash-rewards.do ) state that " Each card meeting the spend requirements will earn cash back. '' I met the spending requirements on each card within 90 days of account approval. 

I have had a good experience with US Bank and your customer service shows profound excellence of the bank, but this false advertisement of this card has been confusing and misleading.

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