BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-28
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ), attempted to collect an invalid debt from me ( I believe they made a mistake through my insurer XXXX XXXX, but did not attempt to continue collecting the debt after I contacted them and explained this to them ). 

However, later a debt collection agency called XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) contacted me attempting to collect this invalid debt. By doing so, they burden me with responding within a limited time frame via certified mail to fix their mistake, a practice which I am sure they realize is time consuming and likely leads to errors they can take advantage of. Attempting to collect obviously invalid debt, either through malice or ignorance, should not be tolerated. I have sent a certified letter to the company ( included below ), explaining this issue, but by reading online found both companies involved appeared to repeatedly engage in this type of malicious behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: HYUNDAI CAPITAL AMERICA
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: Their investigation did not fix an error on your report

Complaint:
I still see late payment remarks on my credit history ... I very much appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 
HYUNDAI FINC XX/XX/2019 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 2020-08-01
Company: Experian Information Solutions Inc.
State: DC
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:
Thsi must be the 4th or 5th time I've disputed an item from Experian. XXXX XXXX XXXX XXXX XXXX  corrected and deleted data off of my report and Experian lazily will not do so. 

I include letters to Experian and the most recent dispute item from Experian today XX/XX/XXXX after I notified them of the erro for the 5th time.

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 2018-06-11
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Standard Mortgage ( " Standard '' ) placed a forced " hazard '' insurance policy on my account for a total of {$110000.00} in coverage because they were unable to verify my existing coverage. Standard was subsequently provided evidence of hazard coverage my my homeowner 's association and indicated to me that the coverage was deficient by approximately {$22000.00}. I purchased a supplemental policy with {$25000.00} of coverage, however, Standard is attempting to charge my account {$430.00} for coverage from the time in which the forced policy was put in place up until the {$25000.00} supplemental policy was purchased. The {$430.00} is the prorated amount for insurance providing {$110000.00} in coverage. Since I already had a hazard policy in place, and the deficiency in coverage was less than {$22000.00}, I should not be charged a prorated coverage for more that the deficiency in coverage. This in my opinion is an unfair trade practice. Additionally, please note that Standard has clear evidence that the mail they claimed to have sent which requested insurance information was returned to their office and never was delivered to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Citibank. The promotional bonus was for opening a new Checking and savings account with {$15000.00} and I would receive a bonus of {$400.00}. I waited the 60 days then another 90 days for the funds to be credited to my account. I followed all the rules and regulations. I was told the extra 90 days was over on XX/XX/2018. Then I was told they did not know why I did not receive a bonus yet and that they would check. They then told me over the phone and over their online chat support that I would receive it on the XXXX then the XXXX of XXXX. On the XXXX and the XXXX of XXXX a representative told me they would put in an inquiry into what happened with the promotions department. I called on the XXXX and the rep told me she did not know why it was taking so long and that she could not give me an explanation. I have called about 10 times or more and can not get this resolved. I do not know why they are doing this and fear it might be some type of discrimination. 

This is a very deceptive and predatory prate. My money has been in that account now for 6 months receiving a very small interest rate. I could have opened with another bank and received a better interest rate so now I am also missing out while I am waiting. Please assist me in Dealing with CITI Bank they are very unfair and unhelpful. 
Although it was not a requirement I enrolled in paperless e-statements yet they continue to send via mail at times. 

I am afraid they are doing all these things intentionally to avoid paying the bonus.

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 2018-04-25
Company: EQUIFAX, INC.
State: NC
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 disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to equivalent with these papers and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
After submitting several requests to portfolio recovery and associates in writing to completely validation the following accounts. 

After requesting the credit bureaus to delete the following accounts they have been reinserted back onto my credit reports to the three major credit reporting agencies.a violation of FCRA section 1681 1 ) Account : # XXXX XXXX XXXX XXXX   XXXX balance {$3500.00} Notice ; in the attachment original creditors name XXXX XXXX XXXX  XXXX has been changed to ( XXXX XXXX XXXX ) which is not consistent. Portfolio recovery & associate intentionally misrepresented and fabricated this account. As a result of the company 's action my credit report is now severely damaged. 

Notice, each violation under FDCPA is {$1000.00} 2 ) inaccurate reporting, unverifiable Account # XXXX XXXX  XXXX XXXXXXXX XXXX balance {$1900.00} In accordance with the Fair Debt collection practices act portfolio recovery and associates is in violation section 809 b.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: HW Holding, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, Hunter Warfield , Inc has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : XX/XX/XXXX Hunter Warfield Inc reports debt owed to credit agencies of XXXX XX/XX/XXXXDebt Validation Letter sent to Hunter Warfield requesting a response within 30 days XX/XX/XXXX I received statement restating the alleged debt XX/XX/XXXX sent response citing XXXX XXXX XXXX, that restating the alleged debt is not validation that the debt is owed XXXX Hunter Warfield received the letter XXXX 30 day failure to comply letter sent

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA 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 2019-05-28
Company: Bread Financial Holdings, Inc.
State: IL
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:
Four unknown hard inquiries have been made on my credit. I didn't apply to any credit cards, loans, or any other service. These inquiries were made in other cities, no where near where I currently reside. One was made by XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX, CO XXXX, another inquiry by XXXX XXXX XXXX XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, another by XXXX XXXX XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX, DE XXXX, and another inquiry by XXXX on XX/XX/19 XXXX XXXX XXXX XXXX, OH XXXX. I never made those or gave permission to any of those companies to run my credit. I would like those inquiries taken off my credit report. I was told cfpb would be able to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: Avant Credit Corporation
State: CO
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 tried rectifying the issue with Avant, but to avail. I asked Avent to put a payment at the end of the loan and was promised it would be done. It did not. There were no notes and they said they had an audio that never herd me ask to place the payment at the end. I do not trust them because the same issue almost happened to me again. I made arrangements XX/XX/XXXX and the XXXX to have payments taken out of my account. I was told no arrangement were listed they also tried to say nopayment was taken out of my account XX/XX/XXXX when in fact a payment was taken out but the XXXX payment was listed. I do not trust this company and they need to be on buyers beware list

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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 status incorrect

Complaint:
I have disputed the XXXX debt account as incorrect and XXXX XXXX has confirmed they can't verify dept. and agreed to remove item from credit report. Because this account can not be verified please remove from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A few months ago, I went to the ER. I made sure my contact info with the hospital was current, but for some reason, the bills went to an address I haven't lived at for 10 years. Before I could figure out why I wasn't receiving the bill, I found out I needed XXXX. I was contacted by the debt collector about a week before my XXXX, which is when I found out what amount I was being charged. I asked to receive a written statement sent to my current address. I did receive that a day or so before XXXX. 

Healing from XXXX didn't leave me in a position to deal with the debt. Today, they contacted me by phone, which is understandable. What is not acceptable is that they failed to identify themselves properly. 

My boyfriend answered the phone. I usually don't answer calls from numbers I do not recognize, so I asked him to answer and give me the phone if it was the debt collector. Unfortunately, when he answered the phone, the caller would only identify as " XXXX on a recorded line. '' He asked multiple times who she was, and she would not identify as a debt collector. Only after she was asked directly, " What company do you work for? '' ( please note that asking " where are you calling from? '' and " who do you work for? '' did not get a proper response ) did the caller identify her employer as XXXX. She still did not identify as a debt collector. 

My boyfriend ended the call. I had talked about needing to talk to them to set up a payment plan, now that I am recovered from my XXXX ( entirely unrelated to the debt they are trying to collect ) but neither of us are comfortable dealing with a company that refuses to identify themselves properly. I understand that they do not wish to disclose information, but I also know that they are legally required to identify as debt collectors, even if they are not speaking directly to the debtor. Had they identified properly, I would be discussing payment with them now. 

The call occured at XXXX MST, Fri XX/XX/XXXX. The call was from 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 2022-08-09
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX with account number XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXX XXXX  XXXX  account. On my XXXX credit report for the year of 2020 it shows XXXX  as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my XXXX credit report it shows XXXX of 2020 as current, XXXX as N/A, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the year 2020 it shows XXXX as late on my XXXX  report but on XXXX it shows current.

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 2018-04-25
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a validation letter to Credit Management LP asking to validate the debt they are reporting I owe. In the letter I included my name, address, and the account # provided on all 3 credit reports. The company responded on XX/XX/XXXX stating they were unable to properly identify my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report, Notice to Furnishers, and XXXX Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  with account number XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXXXXXX XXXX  XXXX  account. On my equifax credit report for the year of 2020 it shows XXXX as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my XXXX credit report it shows XXXX of 2020 as current, XXXX as XXXX, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the year 2020 it shows XXXX as late on my XXXX report but on Equifax it shows current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: NAVY FEDERAL CREDIT UNION
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 was notified via XXXX that I had a 30-day late on my Navy Federal Credit Card. 

I was surprised as it has always been on autopay. I had {$1500.00} in the account to easily cover the {$20.00} payment. 

I was never notified by NFCU that I was delinquent I never agreed to remove auto payments I had plenty of money in my account to cover the payment of {$20.00} NFCU will not provide any help whatsoever. 

There has been several violations and a lack of documentation on their behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loans are serviced through Navient. I have a repayment plan with consolidated federal direct loans that is income driven. The only problem with that is that this plan does not take all of my other debt into account. They strictly ask for income and never ask for existing debt. I have a mortgage, two car payments, and multiple credit cards to pay as well. There is no way I can afford a {$400.00} a month repayment plan. I owed {$49000.00} in student loans when I graduated in 2012 but have had to forbear my loan repayment since then because even on income driven repayment I can not afford it. I WANT to pay my student loans back but now I owe almost {$80000.00} in student loans because of interest. My husband and I both have two jobs, how is this even fair? Even when I call them and complain repeatedly that I can not afford it they will not take my existing debt into consideration. How am I ever supposed to repay them? Now I am out of forbearance all together and I can not pay my monthly amount. Do I just wait for them to start garnishing my wages? If I can't afford it now, how am I going to be able to afford that? Then how do I pay my mortgage? Car payments? Credit card payments? How can they get away with only considering income and not considering debt? There is no way I can work any harder than I already am. IT is super stressful. Is anything being done to revise how they handle student loan repayment with Navient? I am sure that I am not alone in this struggle. Please help.

Company response to consumer: Closed with explanation