BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Someone used my information and ran up medical debt in my name. DEBT RECOVERY SOLUTIONS recently placed a collection account for an original creditor named XXXX XXXX XXXX  XXXX on my credit report. This debt is not mine. I have never been to XXXX XXXX for any purpose ever. I have contacted XXXX XXXX and informed them that this debt is not mine and was informed that I would need to contact this debt collector and let them know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Chime Financial Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX {$150.00} XXXX XXXX {$500.00} XXXX XXXX {$70.00} XXXX XXXX {$750.00} XXXX XXXX {$1000.00} XXXX XXXX {$750.00} XXXX XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX {$2000.00} On XX/XX/XXXX I called Chime Member Services and informed them I had been a victim of fraud. I explained I saw the transactions credited from my account and upon noticing them ( payment from phone number to phone number ) I changed my banking password and disabled international transactions on my banking app. 

These amounts were made with fraudulent intent via phone-to-phone transfers that were deducted directly from my checking and were instantly approved as they were all checking transactions. This does not mean I authorized or approved such transactions. Not to mention my checking account was the only account compromised. Not my savings. 

I filed a claims report with Chime The report states : " While the dispute is not eligible for provisional credit issued by Chime , Chime will investigate dispute types that fall under Regulation E ''. 

" The dispute process can take until XX/XX/XXXX. '' " Check the status of the dispute anytime on Chime. '' On XX/XX/XXXX Chime Member Services informed me that my claim had been denied as " no error had occurred. '' Chime did not provide documentation or proof of an investigation that concluded the final outcome of this investigation under Regulation E guidelines. 

Regulation E outlines electronic funds transfers ( EFT ) under section 1005.6. 
as electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 

Note : This scam has compromised my funds not only with Chime but other electronic vendors like XXXX XXXX and XXXX by the same person who uses various aliases and phone numbers to seek unauthorized electronic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a dispute in regards to the incorrect items on my my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment XX/XX/XXXX to my report which is incorrect and I am asking this be deleted immediately. 

Barclays- late payment XX/XX/XXXX XXXX XXXX late payment XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Zillow Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was with Zillow home loans. 
We closed on XXXX XX/XX/2021. 
Our first payment was due XX/XX/2021. 
By mid XXXX we received letters from Zillow and XXXX that our loan had been transferred to XXXX. 
The first payment to XXXX was due XX/XX/2021. 
We have paid pennymac each month since. 
In XXXX Zillow home loans collections started calling constantly. We continually explained that they had sold our loan. We called the customer service department, who filed a report to notify collections that the account had been moved/sold. Collections kept calling. And calling. We told them over and over again that they had sold our loan. I looked for ways on social media to contact them to get a resolution. Nothing. 
In XXXX the phone calls finally stopped. 
XX/XX/2021 Zillow placed a collection with XXXX. 
They placed a collection on a mortgage they do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Central Mortgage Funding, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I have been in the market to purchase a investment property. With my credit being pulled by my lender I have been getting bombarded with calls from other lenders. One lender in particular XXXX XXXX I have told the representatives 5 times in counting to put me on their DNC list, but I continue to receive calls. 

The two phone numbers that are calls are XXXX XXXX I have received XXXX calls today XXXX and have been getting calls since XXXX At XXXX pm XXXX I spoke to a person by the name of XXXX XXXX He was very rude and when I told him I requested to be put on the DNC he continued to talk over me and try to sell and ask what I was looking to do. He was very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: NC
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  XXXX, XX/XX/2021 reported a medical collections account to the credit bureaus, the company has violated my Hippa laws, and this company has failed to make any contact with my to verify any debt.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 





15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2021-05-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a loan modification. My payment was late XXXX due to the mail service. I mailed the payment in time, they state it was late and refused it. I was removed from the loan modification and they state I am in pre-foreclosure since XXXX. They have returned 2 payments but I have not received XXXX payment back. They stated it would be returned and NOT to send any other payments. I have talked to them several times, submitted paperwork and its always something else to prevent a meeting modification. All of this has been going on during COVID. I have to re-qualify for a home I have had since 2006 and the interest rate is ridiculous. I want to keep my home. We have also discussed having my wife added to the mortgage and was denied. Any assistance you can give is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Navient Solutions, LLC.
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 seeking instructions to pay from an overseas bank account for months. I have moved out of the US and do not have a XXXX XXXX account. I have tried seeking this information by email, by messenger on the Navient website, and by phone. When calling I am told they will look this up and call me back. I get no return call. Over email I get a form message that they can not give me information over email and to call. Over the Navient website messaging I get no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX, XXXX XXXX XXXX XXXX XXXX, Representing Midland Credit Management had filed a suit against me regarding XXXX accounts they claim i owe. I communicated with the with a refusal to pay and to close all accounts as they are clearly violating my consumer protective rights. XXXX, XXXX XXXX XXXX, XXXX has not closed these accounts after their suit against me has been dismissed. CASE INDEX NUMBER # XXXX. XXXX XXXX XXXX XXXX. This case has been dismissed and should be closed down. The debt statute of limitations has expired in XXXX according to the CCFA the statute of limitations on collecting a debt is 3 years and I have refused to pay any amount on the debt. these violations will not go unnoticed. This account is no longer collectible and the judge has made the decision on dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: ERC
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 have filed an Identity Theft Report with the FTC over this issue, since ERC claims to have no written or verbal communication with me, nor do they have any of my identifying information but wants me to provide them with my driver 's license, proof of address and social security number. This does not seem like a legitimate company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, Im writing this letter to dispute the following accounts : Fraudulent Accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX By reporting the accounts listed above your company is in violation of 15 U.S.C. 1692g.I was not notified of any of this alleged debt, nor the reporting of this alleged debt 5 days prior to any action being taken against it. As a consumer, and the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report, as any reporting of alleged debt that is not validated is an act of fraud. Please also send me an updated credit report reflecting these changes.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in legal actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Home Depot card was being paid in lump sum amounts for those interest free for 6 months items and I NONE of the payments went toward the promotional items. 
I pay every month more then the amount is due for a reason.

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 2023-01-30
Company: EQUIFAX, 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 was reviewing my credit report with the three credit agencies, XXXX, XXXX, & Equifax with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted more explanation on. 

I am not 100 % sure if the following accounts are accurate or indeed even mine. I received the disputes back and they did not provide any documentation stating these were indeed my accounts. 

I also noticed there are inconsistencies with what is listed per agency ( see attached documentation ). 

Per the Fair Credit Reporting Act whereby law, I have the right to challenge anything I am not sure is accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15. U.S.C. Sec 1681i ( a ) States if the credit agencies can not provide proof, the accounts must be deleted. I did not receive any proof or verification showing that the accounts were indeed mine.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15.U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

Thank you so much for your assistance with this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Earnest Inc.
State: WI
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 currently have a loan through " Figure XXXX '' and I am attempting to refinance through " Earnest. '' On XX/XX/XXXX, the dispersement was sent from Earnest to XXXX but was refunded for some reason. I have spoken to reps from each company multiple times and neither will take fault for the error. On XX/XX/XXXX, Earnest states they resent the payment to XXXX, but due to this not being an " Earnest error, '' I was charged interest for the days that Earnest did not have the money. This totals {$430.00} in interest that was accrued on my Earnest loan even though XXXX states they never received payment. XXXX also states that it is not their fault because they would only send back payment if " sent to an incorrect address for a different loan type. '' Currently as of today, XX/XX/XXXX, it seems as though XXXX has still not received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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 status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the following accounts : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated as on time as they should because I was never late.

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 2017-12-20
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
You can pick your method of payment allocation, but they rarely follow your instructions. You have to call and call and call to get your credit card payments allocated correctly. On their 0 % promotions, they do everything they can to retain a balance so they can charge you 26.99 % interest. They have almost stressed us totally out. We are cutting up our card and taking our business elsewhere. They are not truthful with their credit card business.

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 2021-01-23
Company: CHECK INTO CASH INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I contact our XXXX loan company in XXXX, Virginia, CHECK INTO CASH and asked 1 ) do I have a grace period for the loan and how long it was. 2 ) what is the amount of late fee and 3 ) what was my husbands loan pay off amount. I was told that my husband and I had 7 days from payment due date before a {$25.00} late fee was added. I asked no more than {$25.00}? XXXX at CHECK INTO CASH told me no. Just {$25.00}. She said my husbands PAY OFF amount was {$760.00}. I asked if I pay it off on XX/XX/2021 would it still be {$760.00}? She said yes. She said it wouldnt even be 7 days late. I phoned CHECK INTO CASH today to pay my husbands loan off and was told by XXXX that the amount of payoff is {$970.00}. I told her what XXXX had said and she said that 30 days of interest had been added on! I told her NO ONE at CHECK INTO CASH had told us that. Even on the day we rolled it over for the last time due to some new law passed by the governor of VA about no more payday loans as told to us by XXXX at CHECK INTO CASH on XX/XX/XXXX. She said we could pay it off then or start making payments. Today XXXX stated since we hadnt made our first payment yet that the pay off was not {$760.00} it was XXXX with the 30 days of interest! 
This is FRAUD!! I can only imagine the people being charged like this who dont understand like I dont!! Since this is a new way to loan because of the new laws by our governor I dont think THEY understood in XXXX or they just didnt disclose. Please help me!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This account was paid in full by court order of wage garnishment. The loan company still reports that I owe them money. The garnishment was satisfied and complete. Should be reported as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: AES/PHEAA
State: PA
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 recently changed jobs and my income went down. I applied for recalculation of my REPAYE payment. I submitted a paystub as evidence of current income. The new payment was incorrectly calculated. It was calculated using my gross income, not my Adjusted Gross Income, or taxable  income. I am attaching the paystub with the deductions circled that are not supposed to count toward my XXXX. These are my retirement contributions ( Pension and XXXX ) and my medical FSA. My paystub clearly shows my taxable income. I receive 20 paychecks a year like the paystub submitted. I am paid 10 months of the year since I work in education, they did calculate that part correctly. I am including two paystubs just for extra verification. My new payment should be approximately {$570.00} a month, as I have a child as well. I have written to Fedloan Servicing twice since they miscalculated the payment. The last response from them was on XX/XX/2020. I have not received any further information since then. 


Thank you, XXXX XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I asked the credit reporting agencies to verify my information, and they sent me letters saying they did. However, I have double-checked and there are many errors and inaccurate dates and other information. Here are the details : In accordance with the fair credit reporting act XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

has violated my rights.

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-11-13
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Im a victim of identity theft and fraudulent accounts have been opened in my name XXXX XXXX is still reporting information about me that is false from checking accounts that were open fraudulently. A XXXX Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.

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