BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: Affiliated Creditors, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After an emergency room visit on XX/XX/XXXX, to which I was admitted, I was not told I would receive bills from each and every person I came into contact with. But, I did. It was a learning experience. However, upon receiving the hospital bill, I applied for financial assistance, since I am a XXXX XXXX XXXX XXXX with limited and infrequent income. My insurance only covered a portion of the total bill. When the emergency room physician bill came in, ( which was higher than the actual hospital bill, approximately {$1100.00} ) I contacted them to make arrangements to pay what I could. I also told them I had applied for financial assistance and they said to forward it to them if and when I was approved. It took several months before I was approved, but in XX/XX/XXXX, I received the letter for 100 % financial assistance, good for 6 months. 

I stopped receiving statements shortly after I began making payments to XXXX XXXX XXXX. I didn't have an account number or address to send payments to, until I contacted my insurance company to get the information from them. 

I mailed in a payment on XX/XX/XXXX and received a collection notice from Affiliated Creditors dated XX/XX/XXXX. I called the billing department of XXXX XXXX  XXXX XXXX and was told they would not accept the financial assistance approval letter because I was in collections. It seems to me that these outside billing companies are determined to not accept payments and will readily hand them over to collection agencies so they don't have to honor their agreements with patients. 

ACI called me on XX/XX/XXXX. I have not returned their call but will be sending them a certified C & D letter. I continue to make payments to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: IN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: Coast 2 Coast Financial Group, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I got a loan from Coast 2 Coast in XXXX of 2019 and XXXX came so it was hard to keep up with payments. They contacted my family and mutual people I know. The amount isnt correct and they sent my account to collections. I had no knowledge of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: JPMORGAN CHASE & CO.
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:
My bankruptcy was final XX/XX/2018. Chase  Bank Auto Loan was one of the creditors that was in the bankruptcy. The account shows as delinquent, past due in collections. This is not true. It is part of the bankruptcy. I have made three attempts through disputes to Chase and when they updated it, it stills show the same as above, delinquent, past due balance {$XXXX} owed. Now my debt ratio includes {$XXXX} that was written off. I want this taken care of. I contacted them by phone also, they said their records indicated it was part of the bankruptcy but they wouldn't update unless I sent a dispute. I have done so, 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CITIBANK, N.A.
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-04-30
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I called and reported that someone else had opened a checking account and savings account in my name to Wells Fargo and XXXX, com I told them that whoever it was had my address but added on their that it was a apartment wit the number XXXX. I do not live in a apartment nor have I opened up a checking and savings account with Wells Fargo or XXXX. I told them that this is fraud. I received the mail on XXXX XXXX saying to activate my debit card to Well Fargo and I called Wells Fargo on XXXX XXXX. I received the letter from XXXX on XX/XX/2021 and immediately called them and reported to them that this is fraud. I do not know if they had out any charges on either cards yet. But I wabted this stopped 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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2017-09-14
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 fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I heard that Experian, a site that contains the personal information of hundreds of thousands Americans, was hacked. I heard this through word of mouth, rather than through Experian, or XXXX, or XXXX. I also have been told that this hack happened in XX/XX/XXXX, and that in the months since the hack the only people who apparently knew this were their investors, who have since been pulling out. In the meantime, non-investors, AKA the rest of the country, have gone unaware of this unless they happened to click on a link on XXXX? Just 3 days ago XXXX posts an article. What 's worse, now that it 's coming to light, 2 months after the fact, it 's near impossible to put my credit ( which is a made-up thing, btw. ) to be put on a freeze. I have tried calling all 3 as well as using their websites, and all of them either disconnect me, or tell me to request the credit freeze by snail mail. The only thing I could do to my account is set up a fraud alert. That is, I will get an e-mail when someone who bought my identity off the XXXX XXXX tries to buy a XXXX in my name. To sum it up, first my identity was at risk and I received no notice, then I found out about that risk from someone that is n't Experian/XXXX/XXXX, then when I tried to eliminate that risk i discovered that there is suddenly no way to do so.

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 2019-02-23
Company: Penn Credit Corporation
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:
On the XX/XX/2019, i filed a complaint against PENN CREDIT CORPORATION due to inaccurate information they're reporting to the Credit Bureaus. I requested full verification and proof of ownership of the account with documentations showing my signature agreeing to do business with them or the XXXX XXXX XXXX, based on the four page documentations they sent i now believe they are trying to collect money unfairly from the wrong person. i see no signature, no billing statements that breaks down how i owe the money. Yes it is true i did live at the address they mentioned in the past which is XXXX XXXX XXXX but they got the wrong apartment my wife and i lived in apartment 2 floor rear and not 2 floor front as they claims in the documentation provided, the smallest unit in the house is where we lived. one more thing they don't know is our living condition at the time, four tenants shared a large house that the owner separated into four different apartments. One incident i remembered is when i first moved in my unit, the previous tenant didn't pay their gas bill and XXXX put that responsibility on me, i disputed that bill and it was rectify now i think they are playing the same tricks to unlawfully make me pay for a service i never utilized. Below are all four sheets of documents i received from them, but still not proof of my ownership of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Statebridge Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They sent an act 91. I sent the one payment I was behind and the current payment that was due. I did not sent the extra fees. They returned my payment on XX/XX/XXXX. I sent it in on XX/XX/XXXX or XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was not credited for some payments made by ACH. One of the payments was credited then almost 2 weeks later reversed. I called numerous times to inquire and the customer service reps were unable to tell me what happened or why. So, in writing I requested an audit of the loan.I never received a response back, then they sued me for Breach of Contract. They also had a repo come and take my truck. I went the next day and got the truck back, because I am the Secured Party and have first lien rights to the truck. I am a Secured Party Creditor.This was XX/XX/2018. In XX/XX/2018 I submitted a Bonded Promissory Note for XXXX to discharge the full amount they said was due. Almost 1 full month later I received a letter from them that they do not accept Bonded Promissory Notes, but they did not send it back to me. If they don't accept them, they should have returned it within 72 hours according to REGULATION Z TRUTH IN LENDING ACT. Instead, they sent me a copy of it. So, I wrote them again, requesting the instrument back, un-endorsed, if they don't accept them, they need to send it back. They did not. I wrote them 2 more times requesting it back, no response. In the meantime, there is still an open court case, 2 years later. They are still reporting it on my credit report. I wrote to the attorney representing them, notified them that I had tendered payment 2 years ago and was never credited. They have never responded. Also, the Uniform Commercial Code / U.C.C. 3-603 states that when Tender of Payment is made and is refused THERE IS DISCHARGE. Even if they never credited it, they received it, admitted they received it, so I should have been credited for it. I just want this thing resolved. I don't think it's right for them to take me to court, do nothing, but keep the case open and keep reporting it on my credit. I would really appreciate some help. Thank you

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 2019-11-17
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had my Cash App account hacked, and my personal bank account was set as a funding source for the account. In dealing with this, my account had no funds in it, so my personal bank account had sent money via cash app to an unknown and unauthorized transaction. I was a victim of fraud. 

After this, I had contacted their staff via email and they stated there was nothing they could do about it, but i was more than welcome to contact my bank and get the situation handled with them. I did. 

A month later, they closed my account abruptly with no warning and banned me from the service and consequently closing all new accounts I had attempted to make. This is unacceptable, as I should be allowed to make a new account at the very least. I was a victim of fraud and instead of handling it, they are attempting to sweep this under the rug. 

In short, I was punished for being a victim of fraud, CashApp and Square inc has stolen money from me by charging my bank for the fraud charges and refusing to assist in their recovery, then closing my account and banning me from opening any other accounts for attempting to resolve the fraudulent transactions internally with their staff. I will continue to open complaints and pursue this until my account is either re-opened, or I am permitted to open a new account with full functionality.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over the course of 21 years being a single mother, working full time in a XXXX XXXX XXXX in a XXXX XXXX XXXX XXXX my loans have doubled if not tripled I can not get help when I ask about the loans, or was I never told of programs to help me get anything erased, I am still in debt 21 years later and see nothing taken off the amounts just added on, they did enroll me in a repayment plan that is low but where was the help during the 21 years of having these loans.

Poor customer service, rudeness, surprise fees, bad information, call after call about my loans causing me to end up crying over the phone to them. Switching who has my loans repeatedly. Finally I just resolved the issue and stress by letting them ruin my credit for life and tack on so many fees I can not even tell where I am at or who has my loans anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: FIRST FINANCIAL BANCORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Claims to be calling from First Financial Bank ( XXXX ) XXXX Trying to Contact XXXX, but I have only had this phone for a few months and my name is XXXX. I informed them they have the wrong number and they told me I would have to pay them {$10.00} to stop calling. I told them, I would file a complaint and I didn't even believe they were with First Financial Bank. They made many strange comments and accusations such as " I stole this number from XXXX '' and what they were doing was not against the law.

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 2022-08-06
Company: Convergent Resources, Inc.
State: OK
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 information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX 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 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
During their last report of a closed checking account in XXXX, Bank of America disclosed for the first time that I owed them funds from the closure of my account in XXXX of XX/XX/XXXX and provided me with a phone number to pay those funds. Bank of America had listed me in XXXX for the missing funds, but again NEVER made an attempt to collect them until the response to my CFPB complaint back in XXXX, which violates FTC regualtions. I phoned Bank of America XXXX XXXX  on XX/XX/XXXX on a consensually recorded call ( attached ) and made a payment. I was even issued a confirmation number. Then, unsurprisingly and in keeping with its pattern of deception and abuse, Bank of America did not actually debit my account. They did the authorization debit ( screenshot attached ) but never actually pull the funds. They have made it impossible to pay my account and their listing of my account closure as due to fraud is retaliatory for me pressing charges against a banking associate who called me a XXXX in XX/XX/XXXX, and not factual.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on 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 2018-04-12
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested for US Bank to remove my PMI multiple times since I have reached below 78 % of LTV and they refuse. They want me to pay for an appraisal and legally this is not required. According to the law establish by the federal Homeowners ' Protection Act, which applies to people who bought their homes after XX/XX/XXXX mortgage companies are required to AUTOMATICALLY terminate my PMI at 78 % of LTV, I am at 77 % as of XX/XX/XXXX, and bought my home in XX/XX/XXXX. I have also never been late on payments and have over 2 years of good payment standing.

I have called twice and sent secure email messages through their website on my account 3 times and they just say they need a written request and {$150.00} for an appraisal. The representative I spoke to on the phone said they " never '' automatically terminate. I informed her that by law they have to and that it says that is their policy in the FAQ section of their website.

They also took over 2 weeks just to review my account to tell me they will not do it without an appraisal. I don't want to have to take legal action but they are not following the law.

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