BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted XXXX XXXX XXXX ( XXXX XXXX XXXX ) regarding this paid collection that is on my credit report. However they still refuse to remove this paid account from my XXXX credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sent out multiple disputes never acknowledge my issues that I addressed by letters. 
XX/XX/XXXX and XX/XX/XXXX and XX/XX/11 this letters were not taking into consideration. I feel like my issues are being neglected on the behalf of the credit bureaus. 
XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) this accounts are showing inaccurate with the incorrect date, and also not entered in the dispute status

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 2017-06-22
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Consumer Financial Protection Bureau Representative : Several week ago, an official from Banco Popular de Puerto Rico ( BPPR ) called me with some alternatives for the refinance of my actual Convectional Mortgage with BPPR, using the Federal HARP Program.
<P/>
The bank official offered several alternatives with different scenarios ( years and mortgage rate on interests ). During the call, I request a couple of days to decide with my family among the different refinance alternatives proposed by the Bank official. He promised to call me again in two days, and I promised him that in two days I will decide among the different alternatives proposed. In facts, I was very interested in refinance my current mortgage for a new mortgage for 15 years at 3.50 interest rate. This is one the alternatives offered by the official.
<P/>
The official NEVER call again. I need to refinance urgently, because the mortgage interests are changing rapidly. <P/> JXXXX XXXX XXXXs de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico 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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have written Transunion three times requesting a late reported is inaccurate. They responded one time. Did not respond at all the second or third time. Nor did they correct the error. 

The error in question is XXXX  XXXX XXXX XXXX XXXX with a late reported XX/XX/2020. This is inaccurate and was verified as inaccurate by the creditor. 

I also asked them to correct the spelling of my middle name. They will not. 

My name is 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 2022-03-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On or around XX/XX/XXXX I received a XXXX envelope delivered to my home, enclosed was a debt collection letter from Midland Credit Management for 2 separate accounts. I had no idea these debts even existed, so I sent them a debt validation letter. The debt validation letter was sent back to Midland Credit Management by XXXX XXXX, Tracking number XXXX XXXX XXXX on XX/XX/XXXX. This was well within the 30 days of being initially notified about the debt. 

Midland Credit Management NEVER responded to my debt validation letter as required by Fair Debt Collections Act, yet they have continued to negatively report to all 3 credit bureaus against the law. 

I called them multiple times and was told no one could discuss the debt with me because I was represented by an attorney? I sent the dispute letter by myself, I was NOT represented by legal counsel. I called a dozen times over the course of XXXX months. 

I received another letter in XXXX from Midland Credit Management and again responded within the allowed 30 days with another debt validation letter that went unanswered by Midland Credit Management. This letter also sent via XXXX XXXX XXXX # XXXX XXXX XXXX. 

Both letter sent to the address listed on their paperwork and signed for by an employee of Midland Credit Management XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MI To date, XX/XX/XXXX Midland Credit Management continues to illegally assault my credit reports over unvalidated debts they claim I owe, yet have provided me with no proof of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: I.Q. DATA INTERNATIONAL, 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 status incorrect

Complaint:
On XXXX XXXX, 2017 I paid in full a unlawful detainer XXXX XXXX XXXX XXXX vs XXXX XXXX case number XXXX in the amount of {$370000.00} via cashier check to XXXX XXXX XXXX XXXX to the Law Offices of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. account # XXXX-Account # XXXX XXXX XXXX Account representative stating that I owe an outstanding balance of {$7400.00}. this incorrect. I sent IQ Data International Inc. XXXX XXXX a response letter on XXXX XXXX, 2017 via United State Postal Service stating that I do not owe {$740000.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted multiple times since 2018 to have AWA Collections vaildate this debt they claim I owe. Each time, the collection agency failed to provide me with validation for the debt. They continue to send me a bill from the orignal creditor stating this is their proof that it is my debt that I owe. No other supporting documents to prove this is my debt such as any documentation bearing my signature. 

Additionally, the letter they continue to send me that they claim is my deby, states that the charges owed total {$370.00} ( {$290.00} principal, {$76.00} interest ), and that an itemization of these said charges totalling this amount are attached. The itemization within these documents on the medical bill they continue to send me does not total {$370.00}. Rather, the itemization wihtin these documents clearly show a total of {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient is the servicer to loans purportedly co-signed by my XXXX  mother. I have delivered all required documents to gain access to the disclosures and loan documents. Ive made repeated calls all to no avail. 

My mother was an XXXX XXXX with minimal education and likely didnt understand what she was signing. That aside, I cant get this company to provide me with the basic documents or explain how they treat the estate of a decedent. 

I have been trying to get this information since XXXX. The added stress of this situation, and the monetary impact are made all the worse as I have to put aside my grieving to deal with this issue for my family. 

Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: National Check Resolution Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was contacted by NCR XXXX XXXX CEO from XXXX GA about a payday loan debt I took out about 2 years ago from XXXX XXXX in XXXX TN for {$25000.00}. 
XXXX XXXX called me on my job and threatened me that if I did not sign a promissory note and pay them {$100.00} within i week with a credit card or debit card that he would be garnishing my wages for {$1500.00}. The following day he called my fiancee on her mothers cell phone and discussed my debt with her. He told her that I had to pay {$100.00} in 2 days then pay {$350.00}. within a very short time and if I did not do a promissory note the following day and pay the day after that that I would be served with papers that had already been approved through the court and I would have to pay {$2000.00}. My fiancee and I have just had our XXXX XXXX and this payment would cause a great deal of undue hardship for my family. I researched my consumer rights and the following day I received a message from XXXX XXXX on my in-laws cell phone again threatening me that if he does n't hear from me by the end of the day I will be served garnishment papers at my job the the following day. He called back and my fiancee tried to ask him for information concerning his company, the address and the license # and documentation about the loan he rudely interrupted her saying documentation has been sent and an email was sent which it never was and that he would be sending someone to my place of business with papers in the XXXX He then proceeded to call my boss told him I had bad checks and was going to be arrested. My bosses company depends on me to be there every day and he said he would pay this debt to keep me out of jail. I have to pay this back to my boss with my pay check and it will greatly harm my ability to pay my rent and get food for my family.I am extremely angry and feel this man has put lies and my financial business out to people who have no business knowing. I plan on legal actions concerning this company and this man.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have see and do thing that Im fix my credit an Im knowning someone useing my information and I go to the web to sign up for the account. In months period Im paying on time payment the sore that I see the first time dropping so much that I seeing first so different I been call and writing email but it not changed anything with the payment that Im make ontime. Can someone please take a look at at my file to judge or see. Please email me back thank u

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 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 and have been a victim of identity theft for well over 11 years. I have a unauthorized and fraudulent XXXX credit account listed on my Trans Union, XXXX and XXXX credit report that do n't belong to me. The following credit card account is fraudulent : 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 2022-08-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Sent out multiple disputes never acknowledge my issues that I addressed by letters. 
XX/XX/XXXX and XX/XX/XXXX and XX/XX/11 this letters were not taking into consideration. I feel like my issues are being neglected on the behalf of the credit bureaus. 
XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) this accounts are showing inaccurate with the incorrect date, and also not entered in the dispute status

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Credit Karma, LLC
State: TN
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:
Years ago, about XXXX  years ago I downloaded kredit Karma app. Recently when I tried to buy a house I was told my credit score was not the score from credit karma. Been trying to get a credit card from them also when they stated it was a guaranteed approval. I been denied numerous times and they kept dinging my credit of hard inquiries when I tried that lowered my credit allot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I opened a dispute with Ally due to being overcharged {$75.00} for a parking garage fee when it should have been {$18.00}. Ally provided a provisional credit while investigating and contacted me in XX/XX/2022, stating that the vendor requested a receipt to prove the error. I explained to the representative who called me that the parking garage in question does not provide receipts. Instead, it takes the ticket into the machine, takes your payment, and you have to drive out following. No receipt or confirmation is dispensed following payment. 

The representative stated that I could write a letter detailing the incident instead. So, on XX/XX/2022, I submitted a letter to Ally customer support detailing what happened. Last Wednesday, XX/XX/2022, I received a letter from Ally stating that my provisional credit had been reversed and that the bank denied the dispute due to a transaction completed with a merchant I have an established relationship. How is paying a parking garage fee indicative of an established relationship? 

Due to this issue, my account is now over-drafted, and Ally 's claim of an established relationship with a public parking facility is bogus. What proof or documentation was used to come to such an absurd conclusion?

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The accounts on my credit file indicated as " bankruptcy '' or " closed '' should be deleted and removed immediately as they are closed and no longer active or valid. I have made several attempts to delete and remove them by asking the creditors in question to remove them. I have disputed all of the accounts and have been ignored. Under the FCRA these accounts should be removed due to inaccurate reporting. 

The reporting agencies have also had a breach in their data systems allowing access to my accounts which was the result of unwanted hard inquiries.

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 2017-06-22
Company: Paypal Holdings, Inc
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Paypal has not been impartial when facilitating disputes. In my case, a merchant ( XXXX ) mailed merchandise that was too small. The product came from their warehouse in CA. However, Paypal told me they sent an email on XXXX/XXXX/17, asking me to return the items to XXXX, I never received that email. I did receive an email asking for a confirmation of mailing so I quickly returned the items to the sending address, in XXXX XXXX, CA. However, despite the XXXX indicating the package has been delivered, they have refused to return my monies of {$120.00} until the merchant affirm. This is not appropriate given the merchant is using a XXXX address to make it difficult to return items not usable. Instead, Paypal is working on behalf f merchants instead of the average US consumer in this matter. I ask for assistance in regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Additional accounts have been added to my credit file but score hasnt changed. Since XXXX XXXX the following accounts were added : XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$20000.00}. 
XXXX XXXX. Opened XXXX. XXXX XXXX {$25000.00}. 
XXXX XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$10000.00}. 

These additions to my credit file have changed my total credit to {$120000.00}, lowered my utilization to 7 %, and my age of average accounts has changed yet Experians credit monitoring has not shown a change in my score.

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 2017-06-22
Company: Experian Information Solutions Inc.
State: FL
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:
Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone. 1. XXXX was paid in settlement XX/XX/2015 Balance ( XXXX ) as of XX/XX/2015 still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed. 2. XXXX XXXX XXXX- Paid-In-Full XX/2015 {$1500.00} still in collections area Experian, XXXX , XXXX listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/2015 {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}. " I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX  would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!

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 2017-06-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo led me to believe that I was approved for a loan and good to close on XXXX XXXX 2017. I requested numerous times for over 4-6 weeks that they look at my application and provide me a written approval. None was provided. I was given a verbal every time and " pre-approval ''. I gave them my closing date, they were aware of it. And on XX/XX/XXXX at XXXX, 1 business day before my closing date for my future home, they denied me the loan. I had provided them EVERY piece of information in a timely manner that they had requested as part of the application process. I was not given a reason for denial. I was simply denied. This was tremendously unfair and deceptive to lead me on till ONE day before I am due to close and tell me that I should explore other options. I have to move out of my current house on the XX/XX/XXXX. That leaves me 3 days to figure out how I am supposed to get a mortgage for the new home. This was unprofessional. They are not open in communications. The lender did not communicate directly with me ever! I would like to understand what the basis of denial was. I would like the lender to give me a call or meet face to face and show me the customer respect that I deserve, not hide behind a text message or an email.

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