BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: Thunderbird Collection Specialists, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT WHERE MY PURSE WAS STOLEN. I PROOF FARS MY POLICE REPORT. I NEVER HAD TWO CARS AT THE SAME TIME AND THE NEGATIVE ITEMS IM DISPUTING IS NOT MIND THIS FRAUD. CAN YOU PLEASE HELP ; I CAN NOT MOVE TO THE NEXT LEVEL IN MY LIFE OR RECEIVE MY PROMOTION AT MY JOB WITH THE BAD CREDIT THAT I DID NOT DO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The consumer reporting agency violated my consumer rights that were set by congress to protect me. 

Laws violated : 15 USC 1681a ( 3 ) : They assumed the role in assembling and evaluating my consumer credit, without my consent. 

15 USC 1681a ( 4 ) : They failed to exercise their grave responsibility, they were unfair, impartial, and did not respect my privacy.

15 USC 1681b ( 2 ) : I never instructed them to furnish this report or to create this report. I never gave consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: DISCOVER BANK
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2019,  I stated clearly to DISCOVER that I was taking the offer for balance transfer of 0% APR at 3% Transfer fee instead of the alternative 4.99% APR at 0% Transfer fee.  Then on XX/XX/2019 at XXXX XXXX they show an email notifying the transaction as made at 4.99% and 0% Transfer fee. I initiated a dispute by phone on XX/XX/2019 and although they sent an email without detailing my claim I did send an email summarizing my claim on XX/XX/2019, I received a vague reply on XX/XX/2019 indicating my dispute was address yet DISCOVER account site still shows the debt at 4.99% APR and 0% Transfer fee. How can DISCOVER make an offer with two alternatives and then stick to the one I don't like. Can you present my alternatives? Balance Transfer # XXXX for $XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: Firstsource Business Process Services, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
collection agency is not licensed in the State of AZ did not know that XXXX XXXX had sent to collection no notices

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX-REPORTED XXXX {$36.00} XXXX XXXX REPORTED XXXX {$35.00} XXXX {$110.00} XXXX XXXX {$330.00}

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 2019-08-14
Company: Experian Information Solutions Inc.
State: VA
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/2019 I submitted account disputes by mail concerning accounts that I did not recognize. Along with my disputes I also sent a CLEAR picture of my CURRENT state issued Driver 's License & a CLEAR picture of my XXXX XXXX XXXX XXXX with my CURRENT address ( that matches my ID ). With the understanding that the credit agency ( Experian ) had 30 days to investigate these disputed accounts, I received mail XX/XX/2019 from Experian stating that : They were unable to honor my request because I did not provide sufficient or legible information for them to verify my identity. I have copies and can provide upon request, all documents I mailed with my dispute, including the CLEAR pictures of BOTH my state issued ID & Utility Bill. I take this as nothing more than an attempt on Experian 's behalf to prolong the investigation of these accounts, in favor of the creditors who are clients/customers of Experian to give them more investigation time beyond 30 days.

The letter I received from Experian also ask that I send in copies of my Scoial Security card which BY LAW I am not obligated to do. All that is needed by law to process my disputes are a copy of valid state issued ID & proof of address such as a utility bill. All these requirements were clearly met and provided with my dispute.

Can you please investigate why Experian has not provided results from my disputes when I clearly provided required documentation to have my disputes processed. It is XX/XX/2019 and my 30 day investigation period is up. Thank you very much for your attention in this matter.

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 2019-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice the charge of XXXX on my credit report and I have never in my whole life have ever had a credit card for that much money the most I probly ever had was me be XXXX so I XXXX I was trying to figure out what this was the company won't take it off but it is not mine so I had to do a density test report not only that I have disputed it with the critic bureaus many times he capital one will not take it off they keep saying it's mine I want this taking off immediately it's ruining my credit and it's ruining everything in my life where I can not be forward it is definitely not mine it makes me very angry By social with a part of the XXXX XXXX   security breach data breach and I wonder if I was a part of the capital one as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX while on vacation in XXXX XXXX, I put  my credit card into an ATM and was quickly surrounded by five people while trying to enter information into the ATM.  While being distracted, the credit card must have come out of the machine and one of the five must have taken it.  When I couldn’t retrieve or find the card, the two men who had been there started walking quickly away.  It was then I realized my card had been taken, and returned to my hotel to report the theft. I reported the theft both on-line and with a phone call within an hour after the theft.  At the time of my report, cash had been removed and fraudulent charges made.  After numerous calls to the credit card company I was told I was not liable for those charges made on XX/XX/XXXX.However, on XX/XX/2019 I received a letter saying I needed to pay the $XXXX of fraudulent charges, along with transaction fees and interest.  The card company has closed the fraud investigation without warning or allowing us to dispute their letter.

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 2019-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice the charge of XXXX  on my credit report and I have never in my whole life have ever had a credit card for that much money the most I probly ever had was me be XXXX  so I XXXX  I was trying to figure out what this was the company won't take it off but it is not mine so I had to do a density test report not only that I have disputed it with the critic bureaus many times he XXXX XXXX will not take it off they keep saying it's mine I want this taking off immediately it's ruining my credit and it's ruining everything in my life where I can not be forward it is definitely not mine it makes me very angry By social with a part of the XXXX XXXX security breach data breach and I wonder if I was a part of the XXXX XXXX as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX we obtained a 2nd mortgage with XXXX XXXX XXXX when we purchased our home. Several years later this mortgage was sold to XXXX. In XX/XX/XXXX we filed for Chapter XXXX   bankruptcy. We stopped paying on this 2nd shortly after and never received any further notification from XXXX. This no longer shows on our credit report.

In XX/XX/XXXX we decided to refinance our 1st mortgage. This was dragging out a bit, and in XX/XX/XXXX we were told we would have to clear the 2nd mortgage that showed up on our Title Report. We were shocked by this and tried to find XXXX, but they no longer existed. One small piece of paper that I found somehow linked XXXX to XXXX XXXX , who currently holds our 1st. I contacted XXXX, who told me on XX/XX/XXXX that this loan had been sold to SLS and they gave me a contact number. I contacted SLS on XX/XX/XXXX by phone and spoke with a representative who told me this loan had been archived in their system, but if I faxed my request for information, along with a copy of the title report they would work with me on how I could remove this lien. She said to expect it to take a few days for this to be done.

Later the same day, I faxed my request, along with a copy of the title report, to SLS. A week and two days later ( XX/XX/XXXX ), I called again and talked to a XXXX who said nothing had been done on it and she couldn't see a request. It was still archived. She suggested that I re-send my request and that I should hear back within 5 days. I re-faxed and also emailed my request on XX/XX/XXXX. I got a read-receipt from my email.

In the meantime, I'm having to communicate all of this with our potential new mortgage company.

On XX/XX/XXXX, I still had heard nothing, so I called again and talked to both a XXXX  and a XXXX, who were both appalled that nothing had been done. They said they emailed the proper department and that I should receive a phone call from someone later that day. They both implied that I should have received a response within 5 days.

Today is XX/XX/XXXX, we still have heard NOTHING.

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 2017-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX veteran that closed on a HELOC loan for $ XXXX in XXXX 2006 with XXXX XXXX XXXX. The loan was sold to Bank of America and my monthly payment is {$420.00}. I tried to refinance the loan through a few credit unions for veterans and have no success. Currently the loan is in a foreclosure status due to my unemployment. I have a buyer for my home and need for BOA to stop the foreclosure fees and process, and they are unwilling to do.

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 2019-08-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2020 XX/XX/2020 Sent 609 letters for verification for old debts and wanted them to be removed due to it being incorrect and old

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 2018-09-30
Company: CNG HOLDINGS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX sold a PAID IN FULL TO XXXX XXXX  XXXX - XXXX XXXX XXXX, XXXX, MS XXXX. MONIES were deducted automatically based upon the payments from XXXX each month on time. After the last payment, XXXX was advised to stop electronic payments. XXXX, XXXX sold this account to a debt collector that is not authorized to do business in Virginia ; they fraudulent changed the Original Date and in violation or reporting derogatory information on my credit when it has been paid in full. that fraudulent misrepresent this account I've provided evidence to show that the account was paid in full. In fact, records from XXXX show that the account has been overpaid. The company owes me money. 

Virginia requires anyone doing business in the State to register with the XXXX. XXXX , XXXX sold an account to a debt collector, not in compliance with the state of Virginia. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out loans for XXXX school. As I approached graduation and in the first several months following ( between XXXX ), I spoke with XXXX XXXX, XXXX and XXXX  agents several times to ensure that all my loans qualified for for PSLF and that I had been entered into repayment as of XX/XX/XXXX ( first month after graduation ). I was assured several times that all my loans did indeed qualify and that I was in repayment with XXXX $ payments until XX/XX/XXXX. Subsequently my loans were transferred to Fedloan, where I continued to have regular contact with Customer service agents who again reassured me several times that all my loans were qualifying loans. Come to find out in XXXX during one of my frequent calls with Fedloan ( I literally called them 3 times a year, regularly, to ensure I was doing everything correctly ) that some of my loads did NOT qualify for PSLF. I was advised that I had to consolidate those loans and that prior payments wouldnt count toward PSLF. I had no choice but to do so. There was no outlet for further explanation or source of counseling. Despite my near constant communication with XXXX and Fedloan they had not once disclosed this information previously, despite being specifically asked several times. Its no surprise I guess since my loan servicer was transferred through 4 different servicers in those years from XXXX. So even though I was completely on top of it and knew what to ask and asked several customer service people regularly, no one ever gave me the correct information. As it was no fault of my own, these years of payments i made on those non-qualifying loans should be counted. And the companies involved should take responsibility for providing false information and lying to me. Furthermore, Fedloan has not counted several of payments I have made as qualifying payments. This is despite me asking for a recount for 1 year. Notably, I have been in automatic repayment every single month since I graduated in XX/XX/XXXX - meaning that they have had complete access to my bank account and that logically, there is absolutely zero reason that I would ever have a late or missed payment through any fault of my own. 
These loan servicers pray on young, ambitious and extremely busy people ( Im sure no one in their company understands what a 100 hour  work week feels like ). Their customer service agents give false information and have zero skin in the game. They have no incentive to provide accurate information - especially when my loans were constantly being transferred to different servicers ( 4 servicers in 2-4 years! ). They are criminal. Completely unethical and the worst part is that I have no option to be at their mercy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: Elite Financial Services, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company is breaking the law by providing false information to new clients by offering a {$5000.00} if they do not sell the house with in 3 months. They ended up not selling my house and when I told them about my {$5000.00} they ignored me. They stated ( which i have proof by them ) if we do not sell your house in 3 months we will guarantee {$5000.00} compensation for not being able to sell the house. It has been over 3 months and they have not paid my {$5000.00} because they did not sell my house. They promised me {$5000.00} if they did not sell my house and they did not sell my house which it has been over 3 months and till now they did not give my {$5000.00}. They are lying and breaking the law because they are providing false information by stating if they do not sell your house in 3 months they guarantee {$5000.00}. They are bunch of liars. I have spoken to the guy and he says they will not give my {$5000.00}. By providing misleading information Elite XXXX  is providing false information to there clients. I am demanding a {$5000.00} compensation for the real estate company not selling my house in 3 months. I need this resolved now or my next complaint would be with the California Attorney General. 




Real estate license number XXXX Lic XXXX The agents name that lied to me is XXXX and his direct number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
every day since Equifax breach unable to file a credit freeze or get free monitoring either online or by phone website freezes up and will not complete enrollment gives errorcode and says try again later this has been happening since the first day breach was announcecd

Company response to consumer: Closed with explanation