BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The issue with this " company '' is more than just repeated calls, it involves all the other issues that were added as options, but it only let me choose one. I just got a call at XXXX today XXXX XXXX XXXX. But I 've been called before XXXX, after XXXX, and even on XXXX. This is a company that I have spoke to on multiple occasions and after fruitless attempts to explain that I paid my insurance out of pocket maximum and do not owe these medical expenses, I have told them to no longer contact me. And yet they still call ... XXXX times within this past month alone. The number is usually ( XXXX XXXX XXXX, and that will be the number I 'm referring to in my complaint. 

I 've been dealing with this for almost 3 years at this point. They have sent debt collection mail to my in-laws home, which I have never lived at and have no idea how they have their address. This is not something I have ever consented to. Additionally I have been told that if I do n't pay this debt it will reflect negatively on my credit report, even if I already paid my obligatory insurance out of pocket costs. I 've told them to send me information proving that I owe this debt and that they are the ones who are legally allowed to collect on this supposed debt. I have yet to see a single piece of paperwork for either. 

This last call I received is the final straw and is what is leading me to complain. The woman I spoke to was aggressive and accusatory. She called me a liar when I said I had already spoken to both my insurance company AND this company. Obviously I 've been dealing with them for almost three years, I 've definitely spoken with both entities to get this straightened out. 

She demanded that I pay. She did n't ask me to pay. In fact, her first intro to me was, " Will you be paying this debt with a credit card, check, etc ...? '' The amount was for a little over $ XXXX. I told her I was n't paying it at all since it 's not debt I owe. And that 's when she got aggressive. Her voice changed, as well as her attitude. She said that she " knows '' what the insurance company said ... despite accusing me of lying about speaking with them. She claimed that she would be writing all sorts of things down in my " file '' that I never even said. She said the call *may* be recorded and I truly hope it was.

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 2017-11-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and XXXX report. XXXX remains on XXXX, XXXX and Experian reports. XXXX XXXX remains on XXXX report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 2017-09-06
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Discover credit card ( ending in XXXX ). In this card, I have {$25.00} available credit. Over a week ago I called Discover credit card customer service to request credit refund via ACH Transfer to my external bank account. However, it has been more than a week but I have NOT received the refund in my external bank account yet. I call Discover customer service for quite a few times, but never got resolved in this issue yet.

I request Discover to immediately refund me the {$25.00} available credit via ACH Transfer to my external bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reading and understanding my federal rights as a consumer. The FDCPA intends to secure consumer right to privacy, and protect consumers from the use of abusive, deceptive, and unfair debt collection practices by debt collectors. I believe there is abundant evidence that proves Discover Card has been participating in abusive, deceptive, and unfair debt collection practices. I'm requesting that Discover Card please deliver a notice of debt pursuant to 15 USC 1692g including the material disclosure required under Truth in Lending. Federal Law requires a debt collector to send notice of debt within 30 days of receipt of the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions 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 have submitted several written requests to Experian Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal 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 2017-07-09
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The Navient co-signer release process is a scam! I graduated three years ago in 2014 and I am still struggling to get the co-signer release approved after submitting a co-signer release request close to a dozen times over the past two years! Every time, it is another ridiculous excuse!
<P/>
I have paid faithfully on the loan for three years with no late payments. I have XXXX jobs and an excellent credit score which is in the high XXXX XXXX. I have less than {$300.00} in credit card debt and I do n't have a car loan payment and I do n't pay rent! I have even paid more ( close to double ) every month than the required minimum payment.
<P/>
Navient has made false statements about how easy it is to have the co-signer released after a year, but fail to mention in the tiny print that apparently, I have to actually be personally approved for the balance on the loan amount? I have heard EVERY excuse as to WHY they wo n't release the co-signer. It has become a financial burden to my family since my parents are paying astronomically high interest rates on their house equity line since they ca n't refinance because of their debt-ratio specifically linked to the Navient loan balance. My parents have paid ridiculous amounts of interest for the past two years because of Navient 's refusal to release my co-signor.
<P/>
This is going on for over two years and has proved to be a serious financial burden to my parents for apparently no other reason than Navient 's unwarranted refusal and untruthful statements about the requirements needed for a co-signer release.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has repeatedly sent me a collections bill for a XXXX account that I have no knowledge of. On the bill itself the identified person is XXXX XXXX XXXX .. That is not my name. I tried to dispute this with them by sending tax documents and even a copy of my social that shows that my correct name. I 've called several times and made several attempts to resolve this matter and delete this collection account on my report since it 's not only hurting my credit but it 's FALSE information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
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:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: FREEDOM FINANCIAL NETWORK
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:
I solicited XXXX XXXX and thought I was soliciting Debt Management non-profit. Not for profit. I have 9 accounts that they said they negotiated. When Credit Counseling pulled my credit they said that it appeared that all the creditors that XXXX XXXX said they paid. The accounts were sold and charged off. I'm paying {$840.00} dollars a month to XXXX XXXX and they are not willing to provide proof of payment to to creditors that they said they paid for me at a reduced negotiated amount. XXXX XXXX told me if I wanted payment information that I would have to call the creditors and ask them what they were paid and provide the proof. I'm paying {$16000.00} in fees to XXXX XXXX and Freedom Debit relief. No assistance. Then two creditors sent a tax forms to add to my taxes as income. I could have just stop paying the creditors and received a " Charge Off ''. I made a good faith effort and to pay based on my income and was taken advantaged of by XXXX XXXX and Freedom Debit relief. Beware this is loan scandal high interest rates. So called negotiations from 30 % to 50 % per creditor. For {$28000.00} dollars I will be paying {$44000.00}. i ; m also in the UNION and didn't get my UNION Discount. Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car company is through SANTANDER. 

In XXXX, I noticed that their phone system had trouble processing my payment so I called customer service who redirected me back to the phone system, which I applied my CC info. I was provided a confirmation number, but the payment was never processed. I received saying I 'm 30 days behind and I have to pay late fees, and it shows on my credit of a late payment. 

They told me, to use ACH payment online, it 's FREE and the best way because they pull the money out the same day. I did do so, and paid an additional {$150.00}, plus {$450.00} to bring me current on my payment. 

Now, they are saying the only way is to pay the {$5.00} to have a human process my payments because my payment did n't come through or that it was " returned ''. This magically happened after I filed TWO FTC complaints against them, ( one for the late fees, second for the payment options ). 

I make only {$10.00} an hour and live in NC, where the cost of living is not high, and I live hand to mouth. Meanwhile, this company calls me all day and all night, telling me they 're going to take my car, that they made bad notes on my credit, that now I 'm TWO months behind and keep charging me these ridiculous fees. o This is the FIRST time I have EVER leased a vehicle before and I ca n't believe my lender is behaving in this manner. I need help. What do I do? How do I make this stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Despite applying overpayments to my principal for the last 18 months XXXX XXXX has refused to do so without any prior notification. In response XXXX stated in writing that I could have the funds returned to me however when I called customer service on XX/XX/2017 as per the instructions they have refused to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a complaint before about this same matter and received a much disappointing vague response. I would now like to see proof of me owing such debt will I will include below of me owing any money to XXXX XXXX/ collection company. 

I have also sent certified letters to both the credit bureaus and the collection company in question via US mail. Im waiting to obtain a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: UHG, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX employee XXXX XXXX has been contacting my wife cell and her place of employment. Leaves messages with threats. 1st call was on XX/XX/2019 and then XX/XX/2019.

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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Previous inquiries related to fraud, which the accounts were closed and removed from my report have been reinserted. 

Recently I got hit by like 4 applications of credit for car and I am not able to get hold of someone on the phone they keep transferring from one place to another just spend 4 hours on the phone and still I was not able to talk to someone. 

Transunion Inquiries that reappear : XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX Transunion fraudulent inquiries XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX NEW! 
XXXX XXXX XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX. XXXX XXXX from 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 2017-07-09
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are two hard inquiries on my credit report from the same company : Credco. The inquiries are 3 days apart.One in XX/XX/XXXX and one XX/XX/XXXX. There 's also one inquiry from XXXX XXXX XXXX on XX/XX/XXXX that was n't approved. I have credit cards with XXXX but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.

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 2017-07-09
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX/XXXX/2017, I filed complaint ( XXXX ) against Pentagon Federal Credit Union ( PFCU ), PFCU after receiving the CFPB 's complaint submission on XXXX/XXXX/2017 PFCU assigned XXXX XXXX TO MY DISPUTE but she closed it on XXXX/XXXX/2017 with no explaintion what so ever I had submitted documents via email that was linked to the dispute that I opened on XXXX/XXXX/2017 and since PFCU were backed logged due to the merger, did not review my dispute until CFPB 's complaint submission and now it was closed without any investigation according to XXXX nobody from PFCU contacted them either, why PFCU assigned XXXX XXXX? is it to satisfy the CFPB only and to closed because they are still backed logged I believe the dispute process may takes 30 to 60 days from opening and closing and other side has 30 days to respond to it that PFCU did n't do nor followed our agreement at time of obtains the credit card please reopen my complaint and check why it was closed prematurely I reported the fraud to PFCU and they replaced my credit card but $ XXXX+ {$320.00} of my money still that was not returned. Thanks.

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 2019-10-18
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019 I received an email from NETSPEND about a credit card being opened using my email address. 

I immediately wrote to NETSPEND to report the fraud. They have not responded. 

However today I received another email that the credit card is being shipped. 

I also received an email from XXXX saying that my email was used to register a device with them. I do not own any XX/XX/XXXX products. 

Last week XXXX told me that someone from South Carolina, USA was trying to login to my account but I blocked it. 

Please take action, I feel helpless.

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