BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical procedure at XXXX XXXX XXXX XXXX on XX/XX/2021. 

Before the XXXX I made a payment of XXXX ( page XXXX of the first pdf file ) for the expected coinsurance. 

After the claim was processed, my coinsurance turned out to be XXXX ( page XXXX of the first pdf file ) The hospital sent me a bill for the remainder of the balance of XXXX ( page XXXX of the first pdf file ), which I paid on XX/XX/2021 ( page XXXX of the first pdf file ) Later there were adjustments made to the claim and the final coinsurance due from me was reduced from XXXX to XXXX. ( page XXXX of the first pdf file ). 

However, XXXX XXXX XXXX XXXX instead of refunding the overpaid amount, send me another bill for XXXX. I sent them a detailed explanation which they ignored and sent XXXX to XXXX collection agencies. 

In the second pdf file there is a transcript of my correspondence with the health insurer ( XXXX XXXX ) who confirmed that the amount that I owe for this procedure is XXXX and since I already paid XXXX, the hospital owes me a refund.

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 2021-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my credit card, they did not mention why. I called them and stated there's nothing they can do to reinstate the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Financial Credit Service, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
we got a telephone call from a company that pays of your credit card debt, it was a XXXX XXXX XXXX card .once account is paid off its closed. Now ARA INc bought the account which is eight years old and they are trying to collect on something that is paid off, a XXXX XXXX is trying to collect on old accounts that are closed, I dont want this man doing to other people what he is trying to do to us thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested Experian reinstitute a credit freeze. I believe they had already done so as I had requested this of all 3 agencies. I received a bizarre letter stating that my " file does not display a freeze ''. Then the letter goes on to some incomprehensible verbage, but the 2nd page displays some of my past credit history for some mysterious reason. Not current. I simply want mu credit frozen since I have been the victim of ID theft over the past years. I wanted my freeze temporarily lifted for a refinance and then reinstated, However, Experian does not seem to know anything about this. Please correct. 

Thank you 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 2023-02-13
Company: Bread Financial Holdings, Inc.
State: NV
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: Billing dispute for services

Complaint:
On XXXX XXXX XXXX  I received a notification from my credit monitoring service stating a formal credit inquiry from Comenity Capital Bank was made showing that I applied for a credit card with a company called XXXX XXXX. 

Apparently, Comentity Bank is a company that provides credit information which is used by retail organizations to issue credit cards. In my case, someone fraudulently used my credit information to apply for a credit card. 

I was never contacted by Comenity Bank regarding this transaction. Further, they do not provide contact information to the credit reporting agencies so it has been very difficult to file a formal complaint directly to this company regarding their fraudulent activity. It is no wonder that Comenity Bank has an " F '' rating with the XXXX 

I never applied for a credit card with XXXX XXXX, but a card was still opened without my knowledge or consent based on information that a was provided by Comenity Bank. This is a fraudulent transaction. As a result of Comenity 's incompetence, my credit score was adversely affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: Experian Information Solutions 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2019-10-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed an Chapter XXXX and learned for the first time that I owed Santander. I reached out to Santander to learn that the purchase debt from Gateway One Lender that had been paid in full. I explained to Santander that the account was paid in full at Gateway Lender, they did not want to hear that. And states that they would not be removing the claim from my chapter XXXX claim. This claim was filed fraudulent and should have been removed upon request and should have never been sent. My original claim was with CFPB on XX/XX/XXXX claim # XXXX which clearly states that the car was paid in full and I also, have the title to the car. Please refer to the attachment that has been attached. this attachment was from Gateway One Lending. 

Between Gateway One Lending and Santander, you need to take full responsibilty for fradulently reporting a claim that you are not entitle to. As Gateway One was paid in full in XX/XX/XXXX. Why would you be placing a claim in XX/XX/XXXX for XXXX. 

I do not owe you or Gateway One Lending anything as this was paid in XXXX. Please stop reporting fradulent claims.and send a letter stating that you have removed this claim for my chapter XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: Navient Solutions, LLC.
State: TX
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:
Since Navient has been the loan servicer I have received wrong information, pressed to apply for forbearance and not provided accurate and clear information about the income-based repayment and or borrower defense, since XXXX XXXXXXXX XXXX XXXX XXXX ( now XXXX University ) provided me with false information about their accreditation and the ability to be licensed and employed after completing their program. 


I enrolled in the program in 1998. There was no APA accreditation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, INC.
State: MD
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:
Dear CFPB, XXXX / XXXX XXXXk has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2020 I sent my friend XXXX XXXX three translations through CashApp A ) {$1400.00}, B ) {$1400.00} and C ) {$1400.00}. CashApp confirmed XXXX receiving all three translations. XXXX confirmed receiving A and B transactions. I requested a refund for transaction C and I havent received any refund. I then contacted CashApp support requesting help on my refund and was informed that XXXX would need to contact CashApp support and ask for assistance in locating transaction C. XXXX contacted CashApp support several times. He was informed that CashApp is unable to locate transaction C for him to contact me and verify I sent transaction C. My credit union and CashApp confirmed all three transactions, while telling XXXX they can only confirm transactions A and B. It appears to me they are trying to run the 30 day clock out and then possibly say its been 30days nothing they can do. I have all the corespondents from CashApp support that have been sent to XXXX and I. I just want transaction C refunded. Dealing with CashApp support via email has been frustrating. Their first paragraph of their reply always sounds helpful its the rest of the communication is total XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Amsher Collection Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AMSHER COLLECTION SERVICES sent me a collection letter 2 years after I ended services with XXXX XXXX. We ended, paid and turned equipment in, prior to moving, into our local office. I have never heard of this debt before, been contacted or nor am I sure if this is even valid? There isn't even a date from when this debt occurred, very suspicious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all XXXX credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost XXXX months and 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 2020-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea why they are charging me this..i do not owe this money ... they keep verifying this debt but im not sure how ... it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, 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 {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX  XXXX {$390.00} XXXX/XXXX  XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$350.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$390.00} XXXX  XXXX  XXXX {$170.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$400.00} CHAPTER XXXX BANKRUPTCY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Dear CFPB, XXXX / XXXX XXXX has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,

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 2020-11-20
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I logged into my account on www.rocketmortgage.com. I was greeted with a popup message stating that if I paid {$3500.00} against my principal owed, my Loan to Value ( LTV ) ratio would be 80 % and I would no longer be required to pay Private Mortgage Insurance ( PMI ). On XX/XX/2020, I made the payment of {$3500.00} and waited for the PMI to come off of the loan. On XX/XX/2020, I checked my account to find that the payment was applied, my LTV percentage was now at the required 80 % but I was still paying PMI. That same day ( XX/XX/2020 ), I called Rocket Mortgage customer support. The first time I called, I was hung up on after requesting the PMI removal. I then called again and got representative XXXX XXXX. I told XXXX the situation and she informed me that she could take it off but I would need to pay a {$150.00} fee right then over the phone. Not a loan payment, just a {$150.00} fee to remove the PMI. This fee is not stated on the initial popup at all. I feel like the popup is a way to get people to pay this fee. This seems like a very shady business practice and possibly illegal. I would like my {$150.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: NC
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 have filed disputes with the credit bureau 's on XX/XX/2020. I have yet to receive my investigation results. The Fair Credit Reporting Act ( FCRA ), section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of all original signed documents. I have demanded to see verifiable proof ( an original signed contract with my signature on it ). The bureaus has failure to do so has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with verified proof, the accounts must be removed.

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 2018-03-01
Company: PNC Bank N.A.
State: FL
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 disputing PNC bank chargeoff account since around XX/XX/2017. I want this negative item deleted from my credit report as I believe it has been reported in error. In violation of consumer protection laws like the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: ProCollect, 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:
Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX  and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To Whom It May Concern, Starting in XX/XX/2022, I have sent multiple letters to Equifax, XXXX, and XXXX regarding an incorrect name on my reports. Nearly 6 months later and that name has not been removed. 

If any erroneous and/or derogatory accounts are added to my reports under this name, it will have a massive impact on my credit scores. For this very reason I have been trying to resolve this directly with the bureaus, with no luck and NO RESPONSE. 

I find this completely unacceptable and may result in pursuing legal action if this is not remedied IMMEDIATELY. I have attached a screenshot of the personal information on my reports.

Company response to consumer: Closed with explanation