BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2019-04-03
Company: Experian Information Solutions Inc.
State: IA
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:
How is Experian telling me if I have relevant information? As a consumer, I am demanding that they show me evidence. What documents Experian are you using to say that everything in my credit profile is reporting correctly?

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 2018-08-30
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 major credit bureaus are reporting serious errors on my credit file and refuse to fix it and refuse to provide proof that it is valid. 
YOU are reporting an XXXX XXXX XXXX account with current lates on it. I have never been late, it comes out of my check and I have had the same job forever! 
-They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. XXXX XXXX is NOT valid verification. 

I have been trying to reach them for months and called them 32 times! I have sent emails and left messages. They will not ever get back to me. 
They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. You are in violation of the FCRA and I demand you fix this immediately.

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 2020-05-06
Company: SYNCHRONY FINANCIAL
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 did not authorize anyone employed by SYNCB/XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

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 2018-08-30
Company: Harvard Collections, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call in XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX The call was regarding a Medical Bill, of {$740.00}, for an out of network physician ( XXXX XXXX XXXX ). I requested that the collection service send me a letter stating the amount owed and other detailed information ( a letter was sent on XX/XX/2018 see attached letter below ). In the letter, the collection service offered a settlement amount of {$550.00}. I contacted the collection service and attempted to make payment. 

In my discussion, I stated that I would send an email to the collection service stating what had been agreed to verbally on the phone. The manager, XXXX XXXX, provided me with an email address : ( XXXX ) and I sent the email ( please see attached document ). In the email, I stated that I would mail a payment of {$550.00} upon receipt of a response to my email referenced above that in summary stated that upon payment, all collection efforts would cease and no reports would be filed with any of the credit bureaus. 

I spoke with an employee at Harvard Collections after I sent the email, requesting that they respond to the email. At that time, the employee stated that it was a policy of XXXX XXXX XXXX XXXX XXXX not to respond to emails and instead to " Trust Us '' that they would honor the agreement. My intention with the email is to create an audit trail to prove what was discussed and what was agreed to. 

Several more phone calls were received from employees and I again stated that I needed something in writing ( via email ). 

This afternoon ( Thursday, XX/XX/2018 ) I spoke with the Operations Manager XXXX XXXX and stated again that it is my intention to make payment on this settlement balance as soon as possible ( upon acknowledgement of my email ). Again, he stated that the policy was not to put anything in writing, and to " Trust Us '' until after the payment has been remitted ( up to 30 days later ). 

Tomorrow, I will contact the Operations Manager XXXX XXXX and attempt once again to make the payment on the balance upon receipt of an acknowledgement of my email. 

What the collection agency fails to understand is that I need a written agreement that states what both parties agree to in order to settle this issue. The failure on the part of XXXX XXXX XXXX XXXX XXXX to commit to an agreement in writing constitutes a poor business practice. A written agreement protects both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: NY
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 am submitting this complaint in regards to my XXXX XXXX account that is reporting on all 3 credit reports as acct that is potentially negative. I have disputed this several times. I received a phone call from XXXX XXXX last Wednesday asking for a return phone call. I tried to return her call several times but was unsuccessful. Tonight I called again and just spoke to a different rep and asked him to see if there are any notes on my accounts. I have 2 XXXX XXXX cards. The gentleman explained the reason for the call was to advise me they have corrected the late payment showing from back inXX/XX/2015 and have notified all 3 credit reporting agencys to update my report and put this account showing as no late payments and to have it show under accounts that are satisfactory. The woman who had first contacted me was XXXX  XXXX PIN number to get to speak to a rep is XXXX. I am submitting this complaint because I do not trust experian credit reporting company to comply and follow what XXXX XXXX  is telling them to do. I have had major problems with experian in fixing my credit report to show correctly.

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 2017-12-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Since the initial date I filed complaint with CFPB in XXXX XXXX has not applied nor accepted my payments. I am showing outstanding checks cashed since XXXX & XXXX. The initial letter indicate that I was to send {$100.00} to XXXX XXXX XXXX attention. I should n't have to send payments via certified mail every month. Please advise why my payments/checks are n't being applied.?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
American Educational Services has failed to help FFEL borrowers during the COVID 19 crisis. They only offer forbearance where interest will accrue and be capitalized. FFEL borrowers not at fault that our federal loans were sold to private lenders. Other companies such as : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX of the State of Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) have done the fair thing and suspended payments automatically. American Educational Services ( AES ) putting profits in front of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The Transunion is deliberately giving me a low credit rating because I had filed a compliant against them. It is a 60 point difffirent between the other 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 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX has and hard inquiry on my credit report from XX/XX/2018 can not get incontact with this company, I have never went into any car dealer to purchase a vehicle called the number that's on my credit report and it just goes to voice mail 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 2019-04-03
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This bill was with XXXX XXXX and the phone was stolen and I had insurance with XXXX XXXX, an the bill was taken care of, because I didn't continue service with them they are trying to collect. This took place about XXXX or XXXX.This bill has been paid in full and they are trying to collect something that I don't owe. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
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: Account information incorrect

Complaint:
I took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there

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 2018-12-05
Company: EQUIFAX, INC.
State: AZ
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:
there is no sufficient information to support Equifax, XXXX  and XXXX XXXX claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In order to submit my application for a lease, the landlord required I use TransUnion XXXX platform to enable the landlord and her property managers to review my credit and background check. When signing up with TransUnion XXXX on XX/XX/17 I had to pay a small fee of {$1.00}. Without realizing, upon payment of the fee I was then automatically enrolled into a monthly subscription for an unrelated credit reporting product. It was not made plain to me that this {$1.00} fee was merely a placeholder for the subsequent {$19.00} to be paid XX/XX/17. After my confirmation e-mail regarding my successful set-up of my TransUnion XXXX account, I received an additional e-mail from TransUnion with no reference to the " XXXX '' application/account. I assumed this e-mail was spam, advertising TransUnion 's additional products since it did not include any reference to " XXXX '' and because it arrived in my inbox so quickly after the initial confirmation e-mail. TransUnion XXXX should be marketed as simply TransUnion credit reporting so that consumers can clearly understand what they are signing up for when merely trying to complete an application and have the necessary parties review their credit history. It should be made clear that when you are signing up to share your credit report with a landlord or property manager that you are not also being automatically enrolled in an expensive subscription service for products that should otherwise be free ( access to credit score is available for free on other platforms ). Notably, there is no mention of this subscription on TransUnion XXXX 's FAQ page : XXXX XXXX XXXX This is my fault but as my e-mail filtered out Transunion 's e-mails as spam and because I did not carefully review my credit card statement, I did not realize I was being billed for a product I did not want for over 18 months. I am still working on trying to cancel my account with TransUnion. It is not straightforward to do so online so I will likely call tomorrow to finalize my account closure.

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 2019-04-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in financial distress and had previously tried to get current with XXXX XXXX. They call my business phone everyday at all hours. They have been harassing my mother at her home phone number for many months now. She does not live with me and has no connection to this debt. Now they are calling my boyfriend on his business phone trying to reach me. I am in the process of getting my financials in order but the harassment of my family is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
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: Information belongs to someone else

Complaint:
I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2019-04-03
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Machol & Johannes : On XX/XX/2018 they froze {$320.00} from my bank account. I called them and said there was a court order against me. Said I owed $ $ from a judgement. ( I didnt receive paperwork they were trying to collect ) and my check would be garnished. On XX/XX/XXXX the paper work was finally filed but I didnt receive it until XX/XX/XXXX. Paperwork said I owed {$1500.00} When I called them they said I owed {$1400.00} and couldnt explain the difference. I asked about the {$320.00} and they said the bank hadnt sent it to them yet. I called the bank. They said they never received paper work to release and had actually called Machol & Johannes about it but never received a reply. Then my pay check was garnished. They took an additional {$1000.00} out. Then the garnishments stopped. I assumed I was paid up .... I called today to find out why I havent had a receipt and they said I owe {$1600.00}. Theyre still waiting to be paid from the garnishment. I asked why it went up and she said court costs and garnishment costs. I asked for paperwork showing a ledger. They are not providing me with documentation. And continue to change what I owe without showing why. You also cant get a hold of them with the number in the paper work. It just hangs up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have my Federal student loans serviced through Navient, who requires an annual income recertification to remain in an income-based repayment plan. I resubmitted my documentation in XXXX, yet the lender allowed my plan to expire on XXXX XXXX, which tripled the payment. I contacted Navient, whose representative stated that " they did n't know why my certification was not processed, '' but they did offer to put a forbearance on the account for two months to give time for me to submit a new request to update my plan or reenter my old income based repayment. This will add thousands of dollars of additional interest to the principal. This also happened in XXXX, where I was led to pay {$1400.00} to settle the elevated payment so I could remain current and avoid disqualifying myself for the public sector loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Optimum Outcome Inc, Inc is a collection agency sourced for XXXX XXXX  XXXX. I went to the Emergency Room in XX/XX/2017 for medical services. I provided my insurance at the time of the ER visit There were two different claims submitted, hospital stay ( General ) and ER physician billed separately. The " General '' portion of the claim was submitted within the approved time to my insurance carrier and it was paid. This includes all other billings for that date of service. The ER Physicians billing were submitted well outside of the 90 days, and it was denied by my insurance carrier. This collection company, Optimum Outcomes Inc was sourced to collect the unpaid portion of {$480.00}, the amount denied by my carrier. Optimum Outcome informed me that this was my responsibility because it was the remaining due for my ER visit. I paid the amount not understanding that this portion was rejected because it was not submitted to my carrier in the specified time of not to exceed 90 days. After finding this out, I contacting Optimum Outcomes Inc and they refused to issue a refund and said I would have to speak to XXXX XXXX XXXX regarding to resolve because the account was " closed out ''. They would not provide me with any contact information for the client, however instructed me to search the internet for a contact number. This is a bad practice as my claim was not submitted within the time given by insurance carrier. I wasn't responsible for late claim submission and Optimum Outcome Inc made it seems as if I had an open balance. A portion that my carrier did not cover. Optimum Outcome Inc collected on a claim that the medical provider didn't submit in a timely fashion, well after 90 days and was denied by my Insurance Carrier for that reason. They instructed me to pay the balance in full, and submit to my Insurance Provider for reimbursement. This is when I learned about the collection tactic that was used. The claim was denied in the beginning.

Company response to consumer: Closed with explanation