BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
Company: Stanislaus Credit Control Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collection agency has appeared on my credit report from Stanislaw Credit CO. It states that it's a medical collection from XXXX XXXX XXXX for the amount of {$660.00}. It was originally submitted on XX/XX/XXXX and last updated on XX/XX/XXXX. I have made repeated phone calls to the number listed on my credit report that is associated with Stanislaw and left voicemails asking for a call back to discuss repayment. That number is : XXXX XXXX. It is an automated recording that shunts me to voicemail. I have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: Resurgent Capital Services L.P.
State: CT
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:
There is a fraudulent account on my credit report. I have disputed the account and the subsequent collection account directly with the creditor several times to no avail. I have requested any and all proof of who opened the account and have only been provided with billing statements. I was told by the collection agency to file a fraud report with the FTC however I have a child in college and I am in the process of buying a home. Placing a fraud alert on my credit alert will cause major inconveniences when applying for student or home loans. This is the only fraudulent account that has ever appeared on my credit report and I do not believe that I should be inconvenienced any further due to this company 's failure to properly identify applicants. I finally decided to dispute with all 3 credit bureaus. After investigating XXXX deleted the collection account. XXXX closed the collection account. XXXX verified the original account and the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: EQUIFAX, INC.
State: OR
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:
Equifax still has something from XXXX XXXX XXXX that has been closed since 2008. It is over XXXX XXXX XXXX and is negatively affect ing my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello, I am making a complaint against TransUnion. I have been disputing an account on my credit report that is inaccurate and TransUnion has avoided giving me specific information I have asked for and in return they have failed to properly verify this account. I sent a letter on XX/XX/21 asking TransUnion to investigate an account for accuracy. On XX/XX/21 I was sent a letter stating that this account was verified. On XX/XX/21 I sent a letter stating that I did not agree with the investigation results and asked them to do a re-investigation and to provide the names and addresses of each person with whom they verified the information with, so that I could follow up. ( In which Im entitled to according to the FCRA ). On XX/XX/21 I was sent a response letter stating that the account was verified with no follow up information. On XX/XX/21, I sent a method of verification letter with specific questions asking how the account was verified. ( Again, which Im entitled to according to the FCRA ). On XX/XX/21 I received a response letter stating that the account was verified, with no follow up information to my questions. On XX/XX/21 I sent another method of verification letter asking the same questions. On XX/XX/21 I received a response letter stating that the account was verified, and again, with no follow up information from the questions that I had previously asked.

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 2018-10-25
Company: ECMC GROUP, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
ECMC calls from 2 different numbers. XXXX and XXXX XX/XX/2018 XXXX, male caller, identified himself as ECMC. I informed he was calling my employer, calls not allowed, do not call again. 

XX/XX/2018 XXXX, female caller, identified herself as ECMC to my coworker. I informed again she was calling my employer, do not call again. 

XX/XX/2018 XXXX, same female caller, Identified herself as ECMC to a  coworker. I informed again, DO NOT CALL. 

XX/XX/2018 XXXX, same male caller. identified himself as ECMC to a coworker. informed I was filing complaint. do not call again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: IL
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:
the Experian credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging 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 2020-06-06
Company: Specialized Loan Servicing Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two loans serviced by Specialized Loan Servicing ( SLS ) after my loans were sold to this company. I have both my taxes and insurance payments in escrow with the company. 

I received notification from my insurance company indicating that my coverage lapsed for non-payment. I also received a notification the week prior from SLS indicating that an Escrow Analysis indicates a shortfall of around {$350.00} and my new payment amount to accommodate the shortfall. This is not unusual for this company. However, it is unusual for them to NOT make the payment. I only found out about this because the insurance company notified me. SLS then contacted me and said that they have learned that my property is uninsured and if they acquire insurance in will likely be more expensive. 

I contacted the insurance company directly and paid {$520.00} to immediately reinstate my insurance and they notified SLS of my coverage. SLS then contacted me and said that unless I can prove that I was covered during the lapse period I will be responsible for a {$120.00} fee. 

Their behavior is outrageous and needs to be investigated.

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 2022-01-08
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a communication from Sunrise Credit Services on XX/XX/2021, a violation of 15 U.S.C. 1692c ( a ), stating that I owe a debt, violation of 15 U.S.C. 1692b ( 2 ). 
Within that communication, Sunrise Credit Services, claimed that I owed an account balance of positive {$260.00}, a violation of 15 U.S.C. 1692e ( 2 ) ( a ). Profane language was used in their communication, violation of U.S.C. 1692d ( 2 ).

Sunrise Credit Services claimed that I have 2 accounts. A Creditor Account and an XXXX Account, a violation of 15 U.S.C. 1681 ( a ) ( 2 ) ( b ).

The communication was a form that claimed that I owe a debt, a violation of 15 U.S.C. 1692j. 
I believe, their claim that I owe a debt, is harmful to my reputation per 15 U.S.C. 1692d ( 2 ).

Sunrise Credit Services used deceptive means to coerce me into paying a debt, a violation of 15 U.S.C. 1692 ( e ) ( 10 ).

This blatant disregard of Federal Law will not be tolerated. I seek {$6000.00} in damages. I WILL NOT SETTLE.

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 2020-11-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
If I could give 0 stars I would. I have spent hours after hours on the phone with chase customer service. Back in XXXX of this year I had my XXXX XXXX account hacked and someone proceeded to get an XXXX XXXX for a little over {$5000.00}!!!! Who would even spend money like that on a hotel??? Anyways I had read about other peoples experience with them getting they XXXX XXXX account hacked and they said what happens is they hack someones account and proceed to " book '' an XXXX XXXX but the place they book it with is their own so the money ends up getting sent to them. It has happened to thousands of people. Of course as soon as I saw that charge I called chase and had them shut off my card, they then said they would investigate and for me to also contact XXXX XXXX. I contacted XXXX XXXX and they said since it was fraud my bank would be the ones who would need to investigate and take care of the issue. Well a couple of days later I get a letter in the mail stating the purchase was correct and they wont be getting me my money back. I then called chase right away just to talk to several people who said they would re open the case. Well a couple of days later I try and use my chase card and it declines, CHASE CLOSED MY ACCOUNT. Im guessing they did this so they wouldn't have to give me my money back and just stop the investigation???? LIKE WHAT THE HECK??? I contacted my local police department and they took my written statement but said it would all end up on what my bank could do. Well considering they closed my account, wont return emails and anytime I call I get hung up on or told nothing. It has 8 months and I still haven't got a reasoning or explanation and 0 money back. I thought when you have a chase account you're protected from these things? GUESS NOT!! DO NOT BANK WITH CHASE. I have spoke with my lawyer and it to the point he's about to have to contact chase in order for something to be done about this. I have never had so many issues with a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX    XXXX, XXXX XXXX XXXX, BARCLAYS BANK DELAWARE 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 2019-06-15
Company: ID Analytics, Inc.
State: OH
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 have asked this company to place a freeze verbally and in fax thats succeeded this company had not mailed or sent credit report or security freeze info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: DISCOVER BANK
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
ON XX/XX/18 I CALLED DISCOVER, BECAUSE I SAW THAT THERE WAS A CHARGE ON MY CARD MADE BY A XXXX XXXX MADE ON XX/XX/18 FOR {$5500.00}, I LET THEM KNOW I DID NOT MAKE THIS CHARGE! NOT ONLY WAS I ON HOLD FOR A LONG TIME BUT WHEN THEY THOUGHT I COULD NOT HEAR THEM THEY MADE SOME COMMENTS ABOUT HOW I WOULDNT REMEBER THIS ANYWAY, BUT THEY TOOK MY COMPLAINT, AND CREDITED IT BACK TO ME, BUT THEN AFTER SOME TIME I GOT A LETTER CLAIMING THAT THEY WERE PUTTING IT BACK ON AND THAT NO FRAUD OCCURED. I AM VERY UNHAPPY NOT ONLY WITH HOW RUDE THEY WERE BUT THAT THEY THEN DID THIS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: IL
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 Equifax credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Saw on my credit for Diversified Consultants for {$5100.00} for XXXX. I immediately called XXXX to see what was going on. Said had an old account from last year and verified was opened and all items were sent back but some how I am still being charged for all the items. XXXX said there was nothing they could do on their end so called Diversified and the people were extremely rude and abusive on the phone before I could even get a word in to explain why I was calling. Threatened me and harassed me. I am also looking into an attorney to go after them for the way they treat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent account XXXX XXXX XXXX  open XX/XX/2018 Amount XXXX Recent XXXX XXXX XXXX account opened up Fraudulently in my name and authorized by unknown person I had a previous XXXX XXXX account that I had opened and paid account off after I paid account off some how mysteriously another XXXX XXXX XXXXXXXX account have became open in my name that I did not apply for or authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: MIB Group, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Let explain in my 20th email, and I emailed ceo what happen I went to XXXX in XXXX where I met an agent who ask me if I needed life insurance I said no because my records are messed up he said don't worry you can lie to get coverage. He insisted he won't help me with car insurance unless I wrap it with life insurance so I agreed to give life a try but not lie on the phone interview. Shortly after I called faxed, and email to cancel even tried to reach the VA to not allow records released because they were not accurate. The agent at statefarm told me yes I'll cancel before you uptained the reports. I want XXXX, MIB and the CEO of XXXX in this email to disregard my authorization to XXXX. Look at the proof I wanted to cancel sent previously, and the fact that I have witnesses to the agent trying to make me commit insurance fraud. My wife told me she went outside and overheard agents we think his name is XXXX talking with XXXX XXXX from XXXX, saying they got themselves a XXXX veteran and we can sell him any coverage because he is to stupid to understand what's going on. My point is not that I didn't sign a document. My point is I was taken advantage of told to commit insurance fraud and was not allowed to cancel before and after the report from my doctor was received. I already threatened to sue but I got a letter stating they won't remove and to sue if I wish from statefarm. In my file is all you need to see what I'm talking about. Please call me at XXXX if you have questions. I want someone else other then XXXX XXXX who proven to be very inconsiderate in the this. I want to forward to CEO of both companies since I have already been in contact. This is what happen to the best of my knowledge and i have lapses in judgement and memory because of my military service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to a representative named XXXX from Capital Accounts in regards to a debt she claims I owe. I was unfamiliar with the debt and asked her to send me the details showing that I owe the debt. My request, on a recorded line, was denied and I was told I would have to contact the company who turned over the bill as it was not her job, and she did not have to send me the info. She told she would report to the three ( 3 ) bureaus if I didn't pay that day. I said I would pay if it was mine, but I need proof of the debt, she again denied my request, in clear violation of Federal Law. 

At this point, the clear violation, on a recorded line, should be investigated and the company should properly train their employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: OH
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 in the process of trying to purchase my first home. As many people know, it is quite the process. In this process, it was discovered that a dispute was incorrectly listed on my credit report because I never authorized any dispute whatsoever. In my attempt to contact Equifax to resolve this matter so that I could get a loan for my home, I have continued to be thrown through the ringer. I called back in XXXX to have the issue resolved and was informed that it was taken care of only to find on XX/XX/19 that was in fact, a lie. So, I called to resolve the matter and the first person I talked to wanted everything down to the exact amount of my loans in order for me to verify my identity. I understand trying to protect people, but there are other ways you can go about doing that without asking me to carry every document of financial information with me in order for me to answer my questions. After I didnt pass my verification because the process is absurd ... I was asked to send in a written request. So I did. I called back with my lender on XX/XX/19 to try and get this matter resolved faster, as he has all of my information that I need right in front of him and after going through two people and a supervisor that were unable to help me I was then told that i couldnt talk to a manager because he wasnt taking any calls. They wouldnt give me a name for them or anything ... to fix a problem that they should have already taken care of months ago. How is a consumer supposed to accurately adjust their credit report with a company that makes it impossible to do so? Im pretty sure im going to lose my deal on my very first home. Equifax should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: NY
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:
I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX2020 ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

XXXX XXXX is known for doing bad practices of this nature. If this matter is not rectify ASAP!

Company response to consumer: Closed with explanation