BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
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 status incorrect

Complaint:
I took out a personal loan with XXXX XXXX XXXX in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was ALWAYS paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.

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 2019-02-19
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called continuously by this company, sometimes several times a day starting early in the morning.

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 2020-11-23
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I just called about the fact that Homebridge keeps messing up my forbearance. I asked for one in XXXX and still had to pay my XXXX house note because I didn't see where it had taken effect online. It took over a month to get my money back. They said I have one month of forbearance on file. I just called this week to start a forbearance again and was told I would get five months. Then I kept getting calls from Homebridge telling me to call in. I call in and the rep tells me that my forbearance ends XXXX and that I have had one from XXXX to XXXX, which is inaccurate. I did not have a forbearance. I did not apply for forbearance until this week. I paid my house note every month from XXXX through XXXX. Please HELP! I have asked for a supervisor to clear this up and am getting that this has to go through loss mitigation. LOSS MITIGATION!!!! There is no loss as I haven't had forbearance a single time yet. They keep messing it up. Is this a scam? I am filing with XXXX and getting legal assistance if necessary. I would like for them to correct this asap.

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 2019-06-04
Company: eMoneyUSA Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company sends texts and emails multiple times a day. I assume they are trying to call but they use shady phone number spoofing tactics. 

I have asked them to stop contacting and harassing me and they just ignore the requests repeatedly. I attempted to tell them I refuse to pay and still constant contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have wrote this company MediCredit inc, & requested for them to remove This alleged bill from all 3 bureaus. I received serval letters in the mail from MediCredit, INC and I have yet to establish true accuracy and validity of debt, which I requested. My issue is the inability to provide legal proof of the ability to collect debt within the state of South Carolina. I have thoroughly reviewed this company 's unethical practice, no proof of related documents, nothing bearing my signature. This company MediCredit pulling my credit down, I want this company investigated and need this removed from my credit report.

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 2022-09-13
Company: Experian Information Solutions Inc.
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:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$590.00}

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 2023-03-17
Company: Medical Services Inc
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX from XXXX Collections started harassing me via text message to my phone on XX/XX/2023 regarding a debt he claimed I owed. He threatened to report this debt to a credit bureau. I told him he was mistaken but he insisted that I had not paid for services rendered. This statement was completely false. Neither the doctor 's office nor the doctor 's billing department was able to provide any information regarding an unpaid debt. XXXX XXXX continued to harass me with the false claim of unpaid debt. I contacted my insurance company and was told that at no time was any doctor 's bill denied payment. The doctor 's office told me that the office no longer works with XXXX XXXX and suggested it was because of his unethical behavior. The office manager from the doctor 's office told me to disregard any contact from XXXX XXXX, who continues to claim I have unpaid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is my fourth complaint regarding a fraudulent practice of Citi Bank. The Company has yet to provide a satisfactory response and has refused to compensate for the financial loss that they caused. Please refer to my previous complaints for more details : XXXX XXXX XXXX Long story short, the bank froze my family savings account for undetermined period under pretense of my account being reviewed by the " back office '' of Fraud department. They provided no means whatsoever for me to resolve the issue and unfreeze the money. After submitting multiple complaints to XXXX  and CFPB, they then decided to close my account for unknown reason. 

After 63 days, they finally closed the account and returned my money. But no explanation was given even after multiple request to provide an explanation. 

Anyway during those 63 days, I lost hundreds of dollars because I needed to take a loan ( because my money was being used by Citi ). I lost another hundreds of dollars of not putting it in my other account that earnings MUCH higher interests. 

From my perspective, Citi stole my money for 63 days because they STILL failed to provide me an explanation of : ( 1 ) why the account was frozen, and ( 2 ) why my account was closed. 

Those 63 days may mean nothing for the company, but it meant lost of hundreds of dollars for my family and the Company is not owning responsibility for it. 

I made a conclusion that I might have been a victim of fraud and discrimination by Citi.

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 2020-09-09
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: NV
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 the list of accounts below has Violated my Federally Protected consumer rights to privacy and confidentiality under 15 U S C # 1 XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX  XXXX # XXXX # 3 XXXX XXXX XXXX # XXXX # 4 XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U S C 1681 section 602 ( a ) States that I have the right to privacy 15 U S C 1681 section 604 ( a ) ( 2 ) ; It also states a consumer reporting agency can not Furnish a account without my written instructions 15 U S C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any information containing any of the following information, any adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( a ) ( i ) A person shall not furnish information relating to a consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are some fraudulent accounts on my credit, I have sent XXXX disputes to experian, XXXX, and XXXX. The main concern is the accounts on the FTC reports I sent to them. They have been on my credit for a long time and I can not seem to get rid of it, they didnt even acknowledge the accounts as fraud. They didnt block the accounts withing XXXX business days of recieving the disputes. please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: ARVEST BANK GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/XXXX XXXX notified both me as owner and Arvest that the insurance policy was in danger of lapse due to non-payment. On XX/XX/XXXX, I spoke with both Arvest and XXXX and it was determined the check was returned to Arvest on XX/XX/XXXX. 

I also followed up with a call a week later to ascertain if the policy payment was received. It was not, and I was told by Arvest that the payment would be resent to XXXX. 

Here it is XX/XX/XXXX and XXXX still has not received the insurance payment covering the property for loss, both physical and rental income for this rental property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 BOA paid XXXX XXXX XXXX dollars out of my escrow account. The XX/XX/XXXXpage which they received showed a policy total of XXXX dollars and a BALANCE DUE of XXXX dollars. BOA paid in error and has now held me hostage with a negative escrow account. Many attempts have been made to resolve the issue, but misinformation keeps being conveyed such as : We can not issue stop payments on checks ( re : they paid XXXX XXXX XXXX on a cancelled policy just 11 days prior ). They then issued a stop payment on their check to state farm. So which is it? You can or can't issue stop payments? They also lied about the date XXXX XXXX   cashed their check. XXXX XXXX isn't the real issue though, it's the state farm payment of XXXX they made in error and are too incompetent to rectify. I want my XXXX dollars back. I should not have to wait for whatever whacked out process they have which has to date been almost 20 days. They have funds to pay me into a negative state. They should use the same slush fund to pull money from to rectify their error and deal with state farm on the back end to fix the problem BOA created by paying a XXXX dollar balance statement. Meanwhile I am losing interest on the XXXX I had to pay out of pocket.

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 2021-10-06
Company: Consumer Adjustment Company Incorporated
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:
I sent a receipt to the to the creditor showing that I paid the loan off but I was told on XX/XX/21 that the account number doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: MI
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 am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( 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. 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. 

Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). 

*XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX is reporting INACCURATE information to XXXX and XXXX. 
It says on my XXXX report the last active date is XX/XX/2022 but, it says on Experian XX/XX/2022. 
It says on my XXXX report the last date a payment was made was on XX/XX/2022 but, it says on my Experian report the last date a payment was made was on XX/XX/2022. 
It says on my XXXX report the payment status is " Late 90 days '' but, it says on my Experian report the payment status is " Late 30 days ''.

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 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I requested a credit line increase last week, they told me theyll notify me of the decision in a few days in the app. Ive been getting random missed calls throughout random times of the day when Im at work. I tried calling the number the representative answered claiming its capital one and demanding my personal information. Sounded like a complete scam, hes demanding my full social, card number, and DOB and refuses to tell me where hes calling from and why. I called the capital one number on my card, and demanded to speak with a supervisor who told me whoever is calling me is leaving no notes on the account as well but they do see outbound calls going out to my account. Fast forward I got an email from capital one stating they denied my credit line increase request due to not being able to get in contact with me to verify my account. How am I supposed to know who and why someone is trying to contact me if theres no voicemail and when I call in your representatives are acting like theyre running a scam?! Then they tell me to re-apply to go through the same scammish procedures and hope for the best that they call me when Im not at work. I have an XXXX and XXXX credit card and never heard such ridiculous nonsense before. If this is the customer service capital one have to offer I will be closing out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I called and talked to a XXXX the last two days. She is saying the check for the overpayment of the payoff of my loan was processed on XX/XX/2021. This complaint is to piggyback what they are doing. I filed my first complaint on XX/XX/2021. I have talked to XXXX at PNC, she does not know the check number to the check, and I asked her when it went out her reply was " I think On XX/XX/2021. She comes back after I asker her again and she said " yeah I think you check went out on XX/XX/2021. Here it is now two weeks later, and she says the check may have gotten lost. She goes on to say the check for {$190.00} for the overpayment for the payoff is delayed because of the bad storms in the mid west. I said the bad weather was in Texas. She says " oh yeah ''. She said she overnight the check and stop payment on Tuesday XX/XX/XXXX, however it would take a week to get. This company is playing a game with me. I want my money NOw.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Veros Credit, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I requested a extension with Veros Credit XX/XX/17, due to the that I was getting medical treatment from a car accident. They file the extension. I checked my credit report today ( XX/XX/XXXX ) and they increased my balance by {$240.00} and drop my credit score. I 'm still receiving medical treatment and they continue to call everyday. I $ 10,000+.They been in contact with my insurance company but have n't received check yet but they know its coming.

Veros credit have not right to increase my balance and file the extension as something else. I informed Veros Credit that once I finish my medical treatment I 'll made my payments.

Company response to consumer: Closed with explanation