BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: PlusFour, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 I was taken to the hospital via ambulance for an XXXX XXXX XXXX I was kept over night. XXXX refused to pay a medical bills. The hospital XXXX liaison failed to secure payment, and a local charity refused to respond. I advised the provider ( s ) in writing more than once that I was attempting to get the bill covered via XXXX and/or charity : neither responded. Every other provider has accepted compromise and settlement of their accounts. The subject company billed me for {$1700.00} ( with an unexplained total of {$2700.00} ) ; apparently referred the account to a collection agency ( PlusFour ) that refused to talk to me because I called and disputed the collection notice. Then I was notified by credit reporting that this company had issued a second collection notice in another amount, squatting on my credit report. They have refused to send complete information, they don't have to talk to me because I contested it. They continue to charge " interest '' on the fraudulent listing on my credit reports. I have sent a letter to the medical provider with a check in offer of full and final settlement. I am XXXX and XXXX where I can, using a friend 's address as a temporary mailing address. The provider hasn't responded or processed the check and the collection agency continues to refuse to correspond with me and provide complete paperwork on what they are trying to collect. The provider is an imaging lab that apparently billed above what the hospital charged which I did not agree to. The agency, PlusFour in XXXX XXXX, Nevada is in violation of FTC and CFPB regulations. I have acted in good faith and the provider and their collector have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I went to XXXX XXXX. I took a taxi cab from the airport to the hotel. When we reached our destination I handed the taxi driver my credit card for the ride. I was told by him that the card wasnt going thru, at the time I figured it could be because I was out of the country. So he asked for cash instead which we than gave him the euros. 
When I got back to the room I got WiFi and I realized that he had charged my card too! I was in complete shock. I called the credit card company which was Citibank and I let them know what happened they said did you get a receipt? I said no, not for cash but I said I never signed the credit card receipt. I always thought that if they dont get a signature than the charge isnt valid. Im really upset with Citibank and no longer will continue doing business with them. The whole point of using the card was because I thought they would have my back and clearly they dont. This is why I took the time to write this, so that this doesnt happend to someone else.

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 2021-02-22
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I just sat on hold for 2 hours and 6 minutes trying to reach the office of Consumer Affairs in XXXX GA. Unfortunately Equifax has continued to discriminate me and the handling of my file. The agent by the name of XXXX employee ID : XXXX said that after waiting patiently on hold that I would have to get a call back from the OCA after waiting 2 hours and 6 minutes. 

She also indicated she didn't know when someone would call back that I should receive a call back within a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
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 have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am XXXX XXXX XXXX XXXX, XXXX, I live in XXXX. I have an account at XXXX XXXX  in the USA and through them I obtained the American Express Number XXXX XXXX XXXX credit card and an extension for my husband ending in *** XXXX. 
It was an offer of a XXXX American Express card and its extensions " free for one year ''. 
Last XX/XX/2020, I canceled these cards through American Express customer service and my request was recorded. Then I received a confirmation email confirming the cancellation of the cards. Attached you will find this email ( this was a month before having the year with the cards ). 
On XX/XX/2020, US {$790.00} were automatically debited from my XXXX XXXX  account by American Express. I thought it was a fraud and wrote to XXXX immediately, with no response. 
After calling American Express Customer Services, they informed me that my credit card account was still active " perhaps a mistake made by the person who attended it '', and that this charge corresponded to the renewal of the annuity of the cards. they told me that they could not do anything until they canceled the card. Again I had to record the cancellation of the cards. 
My complaint is that American Express is scamming me. Instead of asking me for the email that proves that I canceled my cards on XX/XX/2020, they opened a case to " play with my money. '' I need my money back now. Because I canceled those credit cards on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Mr. Cooper Group Inc.
State: MS
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 made several attempts to rectify this issue. I have a 30 day late with account Nationstar/Mr. Cooper from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with Nationstar/ Mr. Cooper . XXXX Nationstar said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided Nationstar with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2021-12-03
Company: EQUIFAX, INC.
State: DE
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:
This has been my third attempt to rectify this matter. This account does not belong to me. Block and remove it. This account also came from a credit report so it should not be showing on a consumer report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-17
Company: Shellpoint Partners, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX Shellpoint Mortgage Servicing for the first time produce a Note and Security Instrument as evidence for their demand of payments for Loan # XXXX FHA # XXXX Deed of Trust dated XX/XX/XXXX. I never signed, I never agreed, and I never assumed any responsiblites or obligations for the note and mortgage Shellpoint produce on XX/XX/XXXX. Shellpoint see to put obligations on me which I never signed or agreed to. Shellpoint falsely represented to me and cfpb that I signed and assumed the note and security instrument, this is completely false, see attached response from shellpoint. 

Shellpoint demand I paid a bad debt that was created base on fraud, misrepresentations, omissions, and concealment. I filed a police report and Identity Theft Victims Complaint and Affidavit XX/XX/XXXX, see attached. 

I request Shellpoint to closed all accounts they created in my name and remove the bad debt from my name. And issued a letter that I do not have any responsiblites or obligations for the purported note and mortgage debt.There is no outstanding mortgage loan and/or balance for me or my property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: OH
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-02
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I began the process of my loan on XX/XX/XXXX. 

During the entire loan process, the company did not respond to my questions regarding information they were requesting form me. 

I attempted to reach out multiple times to the loan officer and docs processor to provide information and clarity about items they have requested from me. At every turn, they are non-responsive, unreliable and dismissive. 

I was told the loan would close in about 45-50 days. It has now been 92 days and they are still telling me I need to provide information I have already provided. 

They have asked for statements that show the previous few months for my current mortgage and Home equity line which show I am current but are telling me they need a letter to confirm this from each of my banks. 

Whenever information is provided, they come up with requests to confirm information I have already provided multiple times to delay the process further. 

I feel when I speak to them, they are lying to me in telling me they want to close the loan, but feel they are delaying the process in order to have me walk away and keep my {$500.00} non-refundable processing fee. 

I have elevated multiple times and requested response from a manager or decision maker only to be ignored. 

I have left messages for : XXXX XXXX, sales manager - Did not respond XXXX from Customer Service - Did not respond as she promised she would XXXX from Customer Service - Did not respond as she promised she would XXXX XXXX, loan officer- Sporadically responds via email only even when asked to call me. 
XXXX XXXX, loan processor- Does not respond when requested to, told me I had provided everything needed and then went silent only to have the same information requested again. Only provides excuses for delays. 

Please investigate this company as I believe they are unethical and do not operate to serve their customers and clients, but only to swindle them out of loan fees. 

The information given about what is requested is very vague and has been incorrect. I have no recourse to explain specifics to provide clarity to my situation and when I attempt to, it is ignored and the same information is asked for again with no ability to add any notes in reference to uploaded information to provide clarity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt has already beeen charged off an company still trying to collect afetr debt has been sold or appropriated or reolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2018-03-01
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 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.

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 2017-08-04
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: Account information incorrect

Complaint:
The lender is  XXXX  which is not reporting the correct balance and that is effecting my credit score significantly.
I opened an investigation with   XXXX   XXXX   and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on  XX/XX/XXXX , the case was opened on XX/XX/XXXX .
The balance is   XXXX   as of  XX/XX/XXXX  in my credit report but as of  XX/XX/XXXX  the correct balance is  XXXX  I called   XXXX   XXXX   and complained to  XXXX  which claim was a supervisor on  XX/XX/XXXX  at   XXXX   XXXX     XXXX   and asked him why   XXXX   XXXX   is reporting a false balance and he said because   XXXX   said it.
I told  XXXX  it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period.
I asked why the screenshot that I submitted within   XXXX   XXXX   dispute section was not presented to the lender -   XXXX   and  XXXX  said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from  XXXX  and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say.
The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.

Company response to consumer: Closed with explanation