BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent 2 certified letters requesting the validity of this debt they have yet to reply or give me my request for all accounts listed below. The dates the letters were sent XX/XX/XXXX & XX/XX/XXXX. They were both signed and returned stating someone signed for them at the company. I have left 3 messages for a supervisor no one has called me back. I have disputed this VIA XXXX they have not sent back the correct information. ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00}

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 2019-09-25
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DIVERSIFIED CONSULTANTS ACCT # XXXX PLACED A COLLECTION ACCOUNT ON MY CREDIT FILE AND THE DEBT HAS BEEN PAID SINCE XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: CA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: MI
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 am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company is calling my place of employment. I could be fired. Please have them stop calling my phone. A payment plan has already been established.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We suffered water damage to our home which resulted in an insurance claim.  We followed the recovery procedure beginning with our insurance company.  They estimated the damage, and as required forwarded insurance claim documents to our lender including a check for XXXX.Our lender advanced us XXXX on XX/XX/XXXX.  On XX/XX/XXXX, we submitted a request for an inspection to release the remaining funds as the repair work was almost completed.  We have been advised by our lender that no additional funds can be released until an inspection has been made verifying the repairs.  Since XXXX XXXX, we have spoken to a representative of the lender's insurance claim department 11 times informing them that we have not been contacted by an inspector.  Each time they advised us they would ask for a new inspection and were told we will be contacted by an inspector to schedule an inspection.  We have never received that call.On XX/XX/XXXX, the project was completed.  On XX/XX/XXXX our insurance company gave us a final payment of XXXX which I am reluctant to forward to our lender.  During this entire time, we have used money from our savings to pay our contractor's bills.The name of the lender is Loancare.  Their insurance processing center is located at XXXX XXXX  XXXX, XXXX, SC XXXX.  Loancare's tracking No. for my claim is XXXX.We appreciate your assistance with this matter as we have no other recourse.

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 2021-04-14
Company: EQUIFAX, INC.
State: TN
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:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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:
According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX XXXX 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of livi

ng is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 15 USC 1692
( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and Experian Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

Who did XXXX, XXXX, and Experian interview and can the provide the interviews with neighbors, friends, or associates of the consumer reported on?

DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  The accuracy and integrity of these reported accounts are misleading and 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 2018-01-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hi, One more than one occasion, Navient has offered to lower my interest rate ( my rates for my private loans are : 5.9 %, 6.1 %, 9.8 % ). They do this over the phone, asking questions about my salary and bills I pay each month. Each time, I go through the entire process ( at least 5 minutes of questions ) and am denied. I can not afford my monthly payments, I have been on interest only payments for 7 years.

I do not understand the process they choose to lower interest rates. I have never missed a payment and have a perfect credit score. 

Just by knowing they offer lower rates, I do not understand why they wo n't lower mine. I find my interest rates REDICOULSY high and would like to renegotiate. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CITIBANK, N.A.
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is the second time I filing a complaint about Citi credit card. The first complaint was filed on XX/XX/XXXX. The ID # XXXX. Citi sent me a letter explaining why they are not able to resolve my dispute. However, in a typical for this company manner, they completely ignored what was in my complaint. My complaint was about how they failed to update the disputed amount from {$7200.00} to {$1000.00} for over 2 months. As, a result they didn't to apply the {$6200.00} to my account that I sent on XX/XX/XXXX and continued to pursue the dispute for {$7200.00}. They failed me as a customer every step of the way. Their dispute department failed to update the amount after seven calls and three emails and two letters that I sent them. Now they are planning to collect the interest and the fees from me for the whole disputed amount {$7200.00} although {$6200.00} have been sitting in the account for 2 months. There was not one sentence in the letter about how the dispute department failed to update the amount and lied to me every time I called and no apology for their terrible customer service. And in a typical Citi matter, after I made a phone call to the representative from the Citi Executive Response Team that was assigned to my case, he never returned my phone call. 
How can this company continue to conduct business in such a disrespectful and negligent way! There was no acknowledgement or apology about failures in the Dispute Department about updating the disputed amount! I am completely outraged! This is bad 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 2022-02-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have unauthorized inquiries from:-XXXX XXXX - XXXX-XXXX- XXXX XXXXI have never applied , given or authorized my information or credit to be run by these companies. I don't recognize them at all.Besides the inquiries I also have 2 late payments from XXXX  XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late . The balances are paid off at the moment.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft. I am writing to request that you add the following Extended fraud alert on my credit report : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT ( 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 non-monetary relief
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
hello please update my address on my credit report, to no longer reflect XXXX XXXX XXXX XXXX XXXX or any version of this address as I don't live there.

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 2021-12-21
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
my credit score was XXXX then within a month my credit score dropped to XXXX for no apparent reason. 
I pay all my invoices on time unless I do not receive the invoice

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 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One Auto is reporting late notations on my credit file for the year of 2020. Due to Covid and the events that unfolded I suffered financially. Towards the beginning of the year when they began to implement all this stuff for Covid my employer wanted to be safe and ended up cutting business hours, and cutting everyone 's hours for that matter. During this time, I ended up contracting Covid and was out of work for 2 weeks and it set me back even further. I am asking that Capital One Auto makes a one time good will adjustment for my 2020 lates. It was a very difficult year but I hope that these lates being removed will help me moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I opened a checking and saving money market account in Key Bank on XXXX and immediately I started haven my name mess up and look like I am a liar even to church facilities were I gave my checks knowing that I had more than enough in my account to covered them. I am very upset with this branch messing with my money and name since I started banking with them. I have tried everything to tried to get this resolved but no help. I have unauthorized transfers that I have been telling Key Bank about an nothing but a nasty and negative response from them after they mess my name up .I got things still coming out of collections due to a game that someone had from Key Bank in my accounts. My funds just started disappearing out of my accounts. I am going to request again my money to be given back to me from this bank. I had made them fully aware and I am going to do it again today in this complaint. I want all the unauthorized transfers to be credit back into my accounts and then a check to be mail to me not deposit back into my accounts. I want my XXXX that was in my account on XXXX XXXX to be mailed to me. I have stated that money I didnt withdrawal out of my accounts someone else from the branch in XXXX Ct that wasnt XXXX XXXX took access of my funds and I want my money back just the same way I had it in my account.I am sick of the fix paperwork to make my account look like I dont have any money in them when I do. This is wrong how many requests does it going to take to get your own money back.It would be nice to see real paperwork fabricated with the correct information like the one I hold that I got from the main office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America has never notified me that the loan application was denied nor the reason. I received confirmation that all required information was successfully submitted on XX/XX/2021. I received a copy of the appraisal for which I paid and it showed a loan to value of 55 %. We have high ( XXXX ) credit scores, stable income, and our debt to income ratio is 29 %. The only reason I can imagine is XXXX. I called and e-mailed several times to find out the status of the application but never received a reply. On XX/XX/XXXX, the loan officer finally responded with an email that it looked like to him the application was denied but did not give a reason. I want to work with another lender but can't until I can explain to that lender why the previous application was denied.

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 2017-07-27
Company: The Receivable Management Services LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving repeated no voicemail left calls from XXXX. Will list dates at end. Doing an internet search comes up with Receivable Management Company ( collections for XXXX XXXX ). I have received one mailing from them 2 weeks ago. Claims states open since XXXX. We had progressive last year and the policy was cancelled in XXXX for non payment. They are now trying to collect premium thru XXXX even though XXXX cancelled in XXXX. They are listed on 2 of my credit reports as open and on 1 credit report as closed, included in bankruptcy. This debt is not valid and the repeated calls are harassment. Dates - 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 and the list just continues ....

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