BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: Experian Information Solutions Inc.
State: MA
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 requested via on-line form that Experian place a credit freeze on my account due to the XXXX data breach. After completing the form and submitting it, the web response was that my request could not be completed on line and that I had to send in a mail request, a request that had to include documents confirming my identity, which of course were also subject to data theft via mail diversion. I requested in my letter that I be informed as to why my freeze request could not be processed on line. I received a letter from Experian noting that my freeze had been placed, but no answer to my question regarding why I could not establish a freeze on-line. On XX/XX/XXXX of this year, I wanted to have the freeze temporarily lifted in order to apply for a credit card. I completed Experian 's on-line form requesting a temporary lift, which included my credit card info for a {$5.00} charge, and submitted the form. The next screen informed me that my request could not be completed on line, but had to be mailed, once again including social security number, utility receipts, my freeze PIN, DOB, copy of license, etc. All info subject to mail diversion/theft. I have tried calling Experian at least 10 times using various numbers ( XXXX XXXX XXXX ) ; during none of these calls was there ever an option to speak to a live representative - only multiple voicemail options with instructions followed by a hangup. The requested information was mailed to XXXX on XX/XX/XXXX by certified mail. It arrived in XXXX TX on XX/XX/XXXX but was not delivered to XXXX until XX/XX/XXXX. Experian states mail requests will be honored within 3 days. It is now XX/XX/XXXX and I have received no information from Experian that my freeze has been reversed. It seems impossible to check freeze status by internet web service or by phone ( yes, multiple failed attempts again today ). 
It is unconscionable that a company whose business model is to profit from my personal financial data without my permission or recompense to me would not provide a readily accessible means to speak to a customer service agent in order to get a question answered, and would not answer a specific written question about freeze services. This is obviously deliberate on their part ( multiple similar complaints in on-line and social network forums ).

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 2018-12-11
Company: Experian Information Solutions Inc.
State: MS
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:
Company is repeatedly reporting my account past due under 30 Days further hindering my credit report or dulpicating amounts under 30 days raising my debt to income ratio. I have tried to resolve it several times and the company fixed a recall on my car and damaged in the process and refused to assume liability causing me further hardship. But the are damaging my Credit Reporting My account past die when its under 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 2020-08-23
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I supposedly owe a medical debt according to the debt collector called Medicredit, they are trying to collect a debt on behalf of XXXX XXXX. I called Medicredit and was told I owed a debt in the amount of {$89.00}. I told her to send me a statement in the mail so I can see and verify it, as I have had communications with them before. she agreed to send the statement, this was in XXXX of this year. I never received a statement. I have paid debts that I owed to them in the past before, but not without having a statement and verifying whether I owe it or not. 

I have called them numerous times, 4 times in XXXX and 2 times in XXXX. They told me they wouldn't do anything for me unless ( I gave them my date of birth. ) I refused. I have never been asked for my date of birth from them before. I feel that is a personal question and it has nothing to do with sending me a statement. They already have my address and account number. All I want is my statement so I can look it over and verify information and pay if I owe. I have no documents to attach because they haven't or won't send me a statement that I am entitled too!

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 2020-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX for {$3700.00}. When I bought the vehicle I was told by the seller that it had a clean title, it passed inspection, and there were no issues. I transferred {$3500.00} to the seller on XXXX with my financial instutition, Bank of America, and the other {$250.00} I transferred through XXXX. There are two reasons why I am asking for a refund. First, when I drove the car home and got it checked out by a mechanic, I found out that the seller had taped over the Service Engine Soon light. Second, the name on the title of the car is not the same as the seller and realized he sold me a car which he did not even own, meaning I am not able to register the car at all. XXXX does not provide any support to its users for fraud or scam and I have not been able to reach Bank of America to report the scam. He committed a XXXX by title jumping ( selling a car whose title is not in his own name ) and lied to me about its current condition which I have proof of in the texts he sent me. The bill of sale he created for me was fraudulent because he forged the actual owner of the title 's signature so I am unable to provide a receipt for the purchase.

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 2018-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2019-05-28
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
An attorney named XXXX XXXX XXXX took XXXX $ cash money from me and XXXX $ from my mother - she has my original deeds, documents and more and refuses to give them back. XXXX has not given me proper legal representation which has resulted in a myriad of legal and financial and family problems- I have been taken advantage of and my ex husband as well as the city of XXXX Ky stand to gain a huge amount of money from me by fraud. The mortgage company XXXX - DBA Mr Cooper has tried to foreclose more approx 4 times. Im positive the mortgage has been satisfied and there is money due me from equity paid in - I believe it is in the title companies name and I want my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: TX
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'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXXXXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE. 

FIX THIS. NOW. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federally protected consumer and Navy Federal Credit Union has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I currently owe {$6700.00} on my Wal-Mart MasterCard Credit Card and for sometime already I have been struggling to make ends meet and catch up with past due amounts. To date I have not received any options or program offers to assist me with getting back on track and clear any negative status.

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 2020-10-15
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
hi i been homeless for the last 6 years because of this derogatory mark on my credit report since XX/XX/XXXX its been 5 years and 8 months and i have 13 months left til this account makes 7 years and fall off my credit report. due to covid 19 and winter coming i called professional debt mediatio on XX/XX/XXXX and ask for removing of this account due to covid 19/ my homeless condition because of this derogatory mark/ plus this is and old account. I explained my financial situation to the collection agent due to covid 19 that im unemployed and can they accept my offer to have this deleted from my credit report so i can rent a apartment to live in before winter due to covid 19.I was rudely told i will remain homeless 13 more months and they wont accept my offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: AZ
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CITIBANK, N.A.
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:
On XX/XX/2018 I recieved a notice that CBNA had pulled my credit report resulting in a hard inquiry. I immediately called in to alert them to the fact that it was a fraudulent inquiry and they agreed that the name and phone number on the application did not match my own. I asked them to remove it and they said that they would, but as of XX/XX/2018 there has been no change.

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 2018-06-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We paid our mortgage for the month of XX/XX/2018 ON TIME, however, Equifax has it listed as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2018-12-11
Company: AMERIS BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am writing about ameris bank and manager XXXX XXXX who was let people inbesele XXXX   XXXX in and out of my account I had fought and I had taken a bank check for the money I had from social security fraud that XXXX XXXX was doing with XXXX XXXX in XXXX XXXX county XXXX Florida and now i'm in XXXX XXXX and my credit dropped because of ameris I a a credit card that was insured on my account which had the money on u bank insured for XXXX I am XXXX and I can't have that much money in my name so I had to take it out to prove what has been going on with my accounts I had 2 with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This complaint is related to complaint XXXX. In that complaint, XXXX/PHEAA   inappropriately switched my loan payment amount from the REPAYE amount to the standard repayment amount 2 months early for most of my loan sequences. My loans should have all updated ( based on my new income verification ) in XX/XX/XXXX but instead most of them were switched to the standard repayment amount in XXXX resulting in a > {$1000.00} increase in the payment amount they were requesting. After filing the complaint, XXXX/PHEAA has halfway admitted there mistake and has agreed to allow me to make the correct payments for the months of XXXX and XXXX and have them applied retroactively to those months. However, as part of their proposal they are requiring me to submit an updated PSLF employment certification form to get the payment amounts corrected. For this complaint, I would like to know who has given XXXX/PHEAA  the authority to impose additional regulations on borrowers for them to receive the correct payment amount under income-driven repayment plans as outlined by the federal government. My loans are all under the REPAYE plan and as such my repayment amount is based on my discretionary income as calculated using my adjusted gross income and family size and updated at least annually ( or more frequently if requested by the borrower ). Nowhere in the federal statutes governing this program does it state that receiving the REPAYE amount is based on being employed by an eligible employer and nowhere does it state that completion of a ECF is required. Furthermore, even for borrowers doing PSLF, the payments do not have to be consecutive and so even for borrowers who do intend to do PSLF they do not have to continuously be employed by eligible employers to remain in the program or to have their loans serviced by XXXX/PHEAA. Regardless of whether a borrower is currently employed by an eligible employer, the REPAYE amount is a fixed amount determined completely separate from the borrowers employment status at an eligible employer. Thus, it is readily apparent that the requirement to submit a current ECF form that covers the 2 months when XXXX/PHEAA messed up my payments is a ) beyond the scope of the authority of XXXXPHEAA and b ) is a purposeful attempt to cause borrowers to pay more in student loans than they are legally required. 

As an updated, I submitted my ECF yesterday for my current employer. This ECF covers from XX/XX/XXXX to XX/XX/XXXX. I have also made the 2 additional payments of {$330.00} ( one on XX/XX/XXXX and XXXX on XX/XX/XXXX ) as requested by XXXX/PHEAA to cover the XXXX and XX/XX/XXXX payments that were messed up. All of this was done within 2 months of XX/XX/XXXX. This should satisfy the criteria XXXX/PHEAA imposed on me in order to override the XXXX and XX/XX/XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems has placed a collection on my report in the amount of {$300.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. This is the THIRD time they have done this and I am taking legal action. I do not have any knowledge of this alleged debt nor have I ever received services from Transworld Systems. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX.XX/XX/XXXX, XX/XX/XXXX /  XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi my name is XXXX, I have attempted to contact Transunion regarding 4 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Transunion has failed to respond to my dispute letter sent on XX/XX/2018 and received by Transunion on XX/XX/2018. 

Transunion has failed to respond to my dispute letter within the fair credit reporting act 30 day response time deadline. 

Therefore in accordance with with s.1629e ( 8 ) of the debt collection practices act which clearly states any information known to be false. Can not be reported to any credit bureau. 

I request Transunion immediately delete this information from my credit reports. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit. 

These unverified negative accounts which have been copied, notarized and sent via certified mail with proof of delivery have not been verified within 30 days of receiving in accordance with s.1629e ( 8 ) of the debt collection practices act and the FCRA 30 day response deadline. 

Below there are 3 separate photos providing proof of sent disputes to Transunion on XX/XX/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