BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: Data and Contact Management Solutions, LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from dcm services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mi XXXX, They identified themselves as a debt collector. The matter concerns XXXX they say I owe XXXX XXXX. I called the billing department to ask if I had any outstanding charges and they said I had a XXXX balance. They also gave me the phone number to the department that handles billing for the ER doctors which handles the only other possible department that could have accounts due. They also say I have a XXXX balance. I called dcm to request detail ( as the hospital provides ) on doctor names, procedures, etc. They sent me a sheet that says as follows : a number XXXX XXXX XXXX XXXX XXXX XXXX a date an amount Absolutely no physician names or procedures. I then asked why I didn't receive a bill direct from the hospital like I did on the charges that I paid to the hospital directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Focus Holding Company
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX. I do not know what this is for. I believe it is XXXX XXXX  who forces subscribers to open new accounts when you transfer services which I have done twice and have noticed they reported put those accounts into collections after charging me under my old account when I was paying regularly on my new account. In XX/XX/XXXX'17, I had a balance of around {$40.00} plus whatever they charged for a late fee. They waived the late fee and credited my new account {$20.00} and I paid the balance. Now I see this on my report that was reported in XX/XX/XXXX so I can only assume it originated from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion the two accounts for XXXX and XXXX. These accounts were previously deleted from my credit report because they were reporting in error. XXXX ; XXXX and Transunion have recently started reporting these accounts again. This false reporting of these accounts is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.

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 2018-07-03
Company: Navient Solutions, LLC.
State: PA
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:
I went to college as an adult learner and graduated from XXXXXXXX XXXX College in XX/XX/XXXX. I was in my early XXXX 's at the time and started a family in the year XX/XX/XXXX. I did put my loan into forebearance for a few years when my child was small and I was only working 2 days per week. 

Sallie Mae/Navient wanted an extremely high monthly payment when I left the forebearance status. Of course I was unable to meet that amount and asked for " options. '' I feel as though I was misled by these options in that now ... .at age XXXX ... .. ( 20 years after the loans were initiated ) ... XXXX owe {$3000.00} MORE than I originally borrowed even though I have been paying steadily since sometime in XX/XX/XXXX. In some years NOTHING went toward the principal .... for example in XX/XX/XXXXI paid {$1700.00} to Sallie Mae/Navient ... .. of that {$1700.00} ... ... a mere {$49.00} went to the principal based on my account history online. This is appalling ... and the interest just kept tacking on!! 

I just recently put a lien on my " paid-off '' home and took out a home equity loan to pay Navient off .... because I don't want them to get another dime from me! However, I feel that if there is some type of illegal practices suit against them, I would like to be considered for reimbursement. If nothing else, let this complaint serve as a means to warn future borrowers against their deceptive tactics. 

I would be happy to provide my name, account information, etc. 

I can be reached at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I applied for the Bank of America Small Business Checking Account on XX/XX/XXXX. They had a promotion going on ( Promo code XXXX ) where if you deposited {$1000.00} or more within the first 60 days of account opening, that they would award a {$200.00} bonus. The exact wording of the promotion was " You must : ( 1 ) be approved for and open a new Bank of America Business Fundamentals Checking or Business Advantage Checking account online by XX/XX/XXXX '' I applied on XX/XX/XXXX and received an email confirming my account approval that day ( XX/XX/XXXX at XXXX XXXX  ). This falls in the time frame of the bonus. I have screenshots of all of these things. I met the {$1000.00} deposit requirement on XX/XX/XXXX but wasn't awarded my bonus. I called Bank of America on XX/XX/XXXX and they said I wasn't awarded the bonus because my account wasn't " technically open '' until XX/XX/XXXX. The bonus requirements state that I have to apply and be approved by XX/XX/XXXX. As mentioned earlier, I received my approval email on the afternoon of 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
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020. I requested XXXX  and Experian to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my XXXX and is 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 explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted TransUnion several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX via XXXX XXXX- Requested On : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX- Requested On : XX/XX/XXXX XXXX - Requested On : XX/XX/XXXX XXXX- Requested 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 non-monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-08-28
Company: PNC Bank N.A.
State: GA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid off by the insurance company XXXX. This is my second time disputing this medical account with your bureau. Back in XXXX this account was disputed Under collection agency name XXXX. Now its been resold to Debt recovery solutions. And Im not sure as to why a paid medical account. Keeps being resold and reported on my credit report. But it needs to be removed ASAP. I plan on taking legal actions against the original creditor XXXX XXXX. For not resolving this issue as promised. This is what you call billing fraud. Attempting to collect money on an account that has been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My father passed away XX/XX/XXXX, I have been trying since XX/XX/XXXX to transfer his mortgage account to my name. Ive been told I would receive emails with paperwork needed to be filled out twice ( never received ) and sent information the said they require three times with no confirmation the paperwork was received. 
Was told I could still make a payment, attempted to make a payment of {$2900.00}, was never taken from my account and refused to give me an explanation why payment was not accepted.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from the UNITED STATES BANKRUPTCY COURT FOR THE XXXX XXXX OF VIRGINIA OFFICE OF THE CLERK XXXX XXXX XXXXXXXX XXXX XXXX XXXX VIRGINIA XXXX. THE BANKRUPTCY CLERK STATETED IN THE LETTER THEY DO NOT VERIFY INFORMATION WITH CREDIT REPORTING AGENCIES. ALSO, THEY DO NOT REPORT INFORMTION TO CREDIT REPORTING AGENCIES OR XXXX XXXX. SO HOW WAS THIS ACCOUNT VERIFIED???? 

NAME : XXXX XXXX XXXX : # XXXX ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX *DELETE THE XXXX XXXX  BANKRUPTCY FROM THE XXXX XXXX OF VIRGINIA THATS BEING REPORTD 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 non-monetary relief
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

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 2020-11-17
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Day I had an account with XXXX about 2 years ago. It went into collection, which I started paying on the account since I received the collection notice. its been 2 years and my account has been sold 3 or 4 times without notice. I made a payment on XX/XX/2020 and on monday XXXX I received a notice that Resurgent capital has the account. 
XXXX was the first collection agency that had my account where I was making payments monthly. then XXXX XXXX XXXX had it next where I was making biweekly payments. 
When I email XXXX they say Resurgent capital has my account even though I was making payments to the other two collection agency. I feel like XXXX  is doing something that is not correct. If I am making payments why is my account constantaly being sold all the time.especially when I am making payments. I dont even get a notice even though they are taking the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My employer 's payroll company is XXXX - XXXX provided information on a bank and checking company XXXX  by XXXX that included benefits with direct deposit. I opened an account with XXXX. I was told by XXXX  representatives that cash deposits could be made via XXXX XXXX. On XX/XX/2021, I pulled my balance from my usual bank XXXX XXXX since I was now planning on banking with XXXX  and attempted to deposit {$3200.00} cash to my XXXX  account card - the store was unable to deposit the cash to my card but was able to deposit to my checking account which I later learned was through Fifth Third Bank. The cash was never deposited to my card nor has been deposited to my checking account. 

I've contacted XXXX  who informed me I needed to cancel the transaction as it should have gone to my card and not to my checking account. I cancelled the transaction with XXXX XXXX who confirmed the funds were delivered to the bank on XX/XX/2021. 

XXXX XXXX can not reimburse me my money until Fifth Third Bank responds and refunds the money. I've been following up with XXXX XXXX daily and Fifth Third Bank has not responded to requests to reimbursement. I contacted XXXX and have been communicating with XXXX XXXX - XXXX XXXX XXXX XXXX XXXX but she has not been able to provide me with a contact number for XXXX XXXX to call and verify nor has she been able to provide any other information other than she's asked her accounting department to contact XXXX XXXX. I called and emailed again today and no response at all. XXXX 's number is ( XXXX ) XXXX - email address : XXXX. 

I sent XXXX with XXXX  and XXXX  proof of the XX/XX/2021 {$3200.00} XXXX XXXX deposit to my account - again that deposit was made and sent to Fifth Third Bank on XX/XX/2021 and it has not posted to my card nor has the cash been deposited to my checking account nor has it been reimbursed to XXXX XXXX. I've explained to XXXX  multiple times I need the money to post to my account or be reimbursed as I need to make my mortgage and household expenses - it's been 2 weeks since the deposit and I have no idea where my {$3200.00} cash is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: SUN LOAN COMPANY INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sun Loan company representative kept coming to my house to attempt to collect on a loan that I had informed him I could not pay back. This company kept coming to my apartment and kept calling all my references after I had informed him I was not working. He would have individuals come to my house and not leave until I agreed to talk with a representative over the phone who would call me at the same time the loan was due to be paid. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Hours : Closed Opens XXXX Mon Phone : ( XXXX ) XXXX They have collection tactics that are illegal and I had no idea I could report these type of communication tactics. Please assist me in getting proper compensation for the abuse and harassment that I have been through with this company they have all information on my loan and they should have all the details recorded in their system. I was working at XXXX  when they came to my place of employment and started to present me in false light to the company I used to work for at that time. Please assist me. 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 2017-08-02
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hi, I closed my checking and saving accounts at Union bank, so I visited its branch office on XX/XX/XXXX and I closed and returned all cash from amount, accept pending transactions. I thought it was already closed properly after visiting branch office. Then I moved to XXXX from XXXX. It was the reason why I closed Union bank 's accounts ( no branch in FL ). Today, I just wanted to change my mailling address to get my last bank statement from Union bank, so I logged in website. I found my checking account is not closed and there are many transactions after I closed checking account even it was paid several times of overdraft fee! absolutely it has negative balance ... because I got all money from the account when I closed it. I was so shocked ... and I called to contact center to ask what happend on my account. They said it was opened again cause there are some of pending transaction. Ok, I can get it. but I ca n't pay for overdraft fee!!!! I requested waive all overdraft fee til my check will be arrived to pay off but they said they ca n't! How could I understand it? and actually I do n't understand all over this situation.. Who can imagine closed bank account opened again? and even I did n't get any notice or explain about this. I want to close my bank account without paying any overdraft fee. It 's not my fault. If I knew it can be opened and I should take care about balance for pending transaction, I handled and managed its balance!!!! but I closed! I closed all accounts! All done! It is so annoyed ...

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