BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On or around XX/XX/XXXX a collections account appeared on my credit report. I did not know who this was r what it was for. The name listed was XXXX XXXX XXXX ( XXXX  ) I looked them up and called them on the phone. They informed me that the Original Creditor was XXXX. They said that the bill was from XX/XX/2013 but could not tell me what the phone number was attached to the bill. I then explained to them that I have been a XXXX customer in good standing for over 15 years and that my monthly payments are automatically deducted from my bank account, and that this wasnt my bill. 

I questioned them as to how they could put this on my credit report without ever sending me a bill. They couldnt answer that question. The person I spoke said that they would send me out a form to dispute the bill. On XX/XX/XXXX I received a letter from XXXX with a form included to file a fraud complainant with XXXX. I had never once said that fraud had been committed. I then took this information and went to XXXX and had them look up the account in question. They informed me that there was no record of the account other than that it was turned over to XXXX. XXXX informed me that XXXX had all of the documentation associated with the account in question. 
When I spoke with a representative at XXXX they informed me that they had nothing either, just that they had bought the debt from somewhere. Since I got nowhere with XXXX or XXXX I filed a dispute through all three credit reporting agencies. They all came back that the account was valid. 

I have never received anything from this company ( XXXX  ) no bills no statements nothing. I am at a loss as to how a company can put something on your credit report without validating the debt, even when I spoke with them on the phone they had nothing to establish that the debt was mine. I had a credit score of over 750 before they added this account, by adding this they dropped my score by 85 points which was very damaging to my credit. I am not sure how they can do that. 

I am hoping that by reaching out for help I can get this taken care of.

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 2018-05-06
Company: Sequoia Financial Services
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:
Was initially contacted on XX/XX/2018 by XXXX XXXX at Sequoia financial services, XXXX, extension XXXX. Said I owed a medical debt to XXXX XXXX, but still to this day, after requesting on XX/XX/XXXX, have not received any written notification of the specifics of this debt. In my conversation with XXXX XXXX, I stated that XXXX XXXX had still not reimbursed me for money due back for a payment I made to them over A year ago that was not due. XXXX XXXX   repeatedly told me they would reimburse this, but never did. I have been waiting and trying to contact them repeatedly, for them to refund this. I told XXXX XXXX I would be researching this as the amount that he stated was due was in dispute due to the fact that XXXX XXXX still had never refunded my money. He continues to call, but I have still not received anything in writing from this company. He continues to call, but I have still not received anything in writing from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the following company in XXXX through a certified letter explaining that I have never done any business with them but they would not cooperate with me, but instead they insisted that the debt was mines. I also contacred the credit bureaus for 6 months but they have refused to provide me proof of there investigation. Midland Funding in the amount of {$1300.00} is on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: CONTRACT CALLERS INC
State: OR
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:
On or around XX/XX/XXXX a collections account appeared on my credit report. I did not know who this was r what it was for. The name listed was Contract Callers Inc. ( CCI ) I looked them up and called them on the phone. They informed me that the Original Creditor was XXXX. They said that the bill was from 2013 but could not tell me what the phone number was attached to the bill. I then explained to them that I have been a XXXX customer in good standing for over 15 years and that my monthly payments are automatically deducted from my bank account, and that this wasnt my bill. 

I questioned them as to how they could put this on my credit report without ever sending me a bill. They couldnt answer that question. The person I spoke said that they would send me out a form to dispute the bill. On XX/XX/XXXX I received a letter from CCI with a form included to file a fraud complainant with XXXX. I had never once said that fraud had been committed. I then took this information and went to XXXX and had them look up the account in question. They informed me that there was no record of the account other than that it was turned over to CCI. XXXX informed me that CCI had all of the documentation associated with the account in question. 
When I spoke with a representative at CCI they informed me that they had nothing either, just that they had bought the debt from somewhere. Since I got nowhere with CCI or XXXX I filed a dispute through all three credit reporting agencies. They all came back that the account was valid. 

I have never received anything from this company ( CCI ) no bills no statements nothing. I am at a loss as to how a company can put something on your credit report without validating the debt, even when I spoke with them on the phone they had nothing to establish that the debt was mine. I had a credit score of over 750 before they added this account, by adding this they dropped my score by 85 points which was very damaging to my credit. I am not sure how they can do that. 

I am hoping that by reaching out for help I can get this taken care of.

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 2019-04-29
Company: R J Baucum Enterprises, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have no recollection of this account and if it's a medical bill I've been on XXXX since 2014 and all my medical bills are paid and when I tried to contact them they were very rude and demanded payment and wouldn't give me any details

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My problem and only problem right now is with the credit reporting agencies XXXX and Transunion. Inwhom I will be filing suit against for many reasons. They constantly reporting accounts inwhom which they have not received physical certified documentation from. They only going off of electronic Verification inwhich is not official. I'm demanding a detailed Method of Verification used in this investigation. I have repeatedly requested this but never recieved anything. XXXX and Transunion, I need to know what was the name and title of your employee inwhom conducted the investigation. Whom did they speak with, and what form of communication used in this investigation, was it phone, fax, text, letter, etc. What was the title of the person spoken too. What certified documentation did they provide with my signature on it. And what physical method of documentation did you provide the consumer. All this is my natural and legal rights as a consumer. I'm demanding that these unauthorized accounts be blocked from my credit data and files immediately and permanently if your companies can not produced the Method of Verification used, as well as physical certified documentation to support your reporting. If not then it is your legal duty to block these accounts as following, [ # 1 ] XXXX {$920.00} [ # 2 ] XXXX XXXX XXXX {$1000.00} [ # 3 ] XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX XXXX ( later named XXXX XXXX XXXX ) transferred my loan to a different servicer, Heartland XXXX. I was not notified of the transition in any way before it happened. How I found out was by receiving a notice in the mail that payment was overdue on my account! On the day after I received that notice ( on XXXX XXXX, XXXX XXXX, I received an email from XXXX XXXX XXXX saying that " as of XXXX/XXXX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ) ''. The date referenced, XXXX/XXXX/XXXX is wrong, because Heartland XXXX began requiring payments from me before XXXX/XXXX/XXXX, but I had no way of knowing that. 

Moreover, XXXX twice charged me a {$1.00} payment fee for one time payments. They do n't charge any fee for automatic payment, but first auto payment by enrolling would have been after the due date for the bill. So I had to pay the payment fee for one time payments. I should n't have to pay that fee since I was already enrolled in automatic payment with the previous servicer. Why should I be forced to pay new fees because my servicer changed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i sent a letter XX/XX/2019 asking for verification for a debt. i asked for a balance sheet, proof of ownership for the debt, how the debt was calculated ... on XX/XX/XXXX i recieved a letter only stating they had verified my name and amount owed for the debt. they refuse to send me proof of the debt. yet want to keep reporting it to the credit buereaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
Twenty-seven years ago, I co-signed a credit card application to Bank of America for my daughter when she was XXXX years old. In XX/XX/2018, she suffered a financial crises and could no longer meet minimum payments. Bank of America reported late payment information on my name as well as my daughter 's name without providing me any information regarding the credit card account. I found out about the problem only because I investigated my credit report to determine why my credit rating was falling. I Paid off the balance immediately once my investigation into my credit report identified the problem. Bank of America made no attempt to notify me that the account was past due before sending information damaging my credit rating. I am still living at the same address and have the same phone number as when I co-signed the application 27 years ago. 

I think banks should be required to provide account information to co-signers as soon as an account becomes past due and certainly before reporting information to credit agencies that is damaging to their credit. It is clearly in the banks best interest to continue to receive a 23.9 % interest rate for as long as possible before notifying the co-signer. Perhaps this is why I was never notified and had to dig it out myself from credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
Beginning with its statements in XX/XX/2020, American Express began including a " minimum payment '' amount to cardholders of pay-in-full cards. Cardholders who paid the minimum payment and not the full amount were tricked into changing their card terms from pay-in-full to pay-as-you-go, earning extra interest and late fees for the company. 

The company says a notice was sent to customers, but the notice is inadequate. It should state on both the website payment portal and in the statement that paying the minimum due will materially change the terms of your AmEx account, and the impact could mean thousands of dollars in additional interest and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-27
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed a XXXX account out in XX/XX/XXXX. I went returned the phone and paid my last bill. in XX/XX/XXXX 2 years later DIVERSIFIED CONSULTANTS broke several laws in attempting to " refresh '' a debt. without following the FCRA law. I have attached a copy of the violation. its is section 605 of the FCRA. In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

In addition, diversified C failed to adhere to FCRA LAW which states that the collection agency must, 30 days before reporting to the reporting agencies send me the information in writing. I spoke to them, they claimed not to have my current address, i know this not to be the case. With out my consent they procured a copy of my credit report, yet another law violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hello, my name is XXXX XXXX. My date of birth is XX/XX/1989 and I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX - Closed XXXX/Feb-Retail XXXX   XXXX - Closed With XXXX XXXX XXXX - XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-RETAIL XXXX XXXX With XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-RETAIL XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2019-04-29
Company: Navient Solutions, LLC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and NAVIENT were no successful resolution. NAVIENT was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I spoke with XXXX XXXX, about my mortgage being late XXXX stated we can do a modification but we need your XX/XX/XXXX tax return and paystubs from your job 6 Months. I never submitted the documentation because I felt I did n't need the modification. 
XX/XX/XXXX receive a letter advising me required documentation was not received and Wells Fargo unable to offer assistance. 
XX/XX/XXXX received another letter advising me of my FICO score is less than since I closed on my Mortgage/ Payment history must have no 30 day late payment XX/XX/XXXX I received another letter stating my mortgage was going from {$880.00} to {$1000.00} I called Wels Fargo spoke to XXXX I question what is going on with my mortgage he advise a modification was complete and we now have added your homeowners insurance into your mortgage, I question how is that when I never submitted any paper work for the to be done. I ask to speak to an Supervisior. 
XX/XX/XXXX spoke to XXXX XXXX XXXX ex XXXX he advise me they sent a check to XXXX XXXX in the amount of {$600.00} my question to XXXX how can a modification be completed with out my consent and no documentation to make a decision of what my mortgage would be I also state I thought a modification was to help you not hurt you still I do n't understand how this process was complete but XXXX insure me this would be corrected. 
XX/XX/XXXX called back to WellsFargo spoke to XXXX was put through to talk to XXXX he state the correction will be corrected XX/XX/XXXX because he has work to do to make the correction. on XX/XX/XXXX called XXXX to make my mortgage because he said it would be better if he took my payment over the phone since he knows whats going on with my account. XXXX advise me that I need to call state farm so they can send the check back to Wells Fargo in the amount {$600.00}. I called but I think this should be handle by them since they made the mess so I called XXXX XXXX and they reissue the check back to Wells Fargo XX/XX/XXXX received another letter advising me my mortgage is {$1000.00} problem still not corrected this is becoming a hassel and stressing me out. Can you please look into this matter I can be reach @ XXXX r XXXX I did questin if they know what they are doing because one letter stats amount {$1000.00} another one {$1000.00} but my mortgage is {$880.00}. Thanks for you time.

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 2022-08-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened checking account with citi Bank in XXXX XX/XX/2022 and they offer if you maintain {$50000.00} for two months citi bank will give bonus of {$700.00} after 90 says. And I maintained XXXX $ in account more than 2 months and after that I withdraw XXXX from my account and they froze my account. Now they are not giving me the answer why they are going to close my account. And I need my money for medical purpose but they are not giving my XXXX $ back. Because they froze 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 monetary relief