BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: UT
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 filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and  three ti mes an d may v ary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  3  or more times. The one claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed,  black ma rked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  XXXX  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of  -- -- -- -- -- -?  I also went as far as the AG 's office but they are compromised because they collect debt from the original institution which is a hospital.  Medical Debt  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.

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 2017-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is  XXXX   XXXX  and  PORTFOLIO RECOVERY ASSOCIATES  Is trying to collect the amount owed of {$1300.00}. I have never disputed owing the money however.   This collection agency has taken over the  XXXX   XXXX  account. In  XXXX    XXXX  . They were told my father passed away. I told them I lost my house do to my father 's reverse mortgage. Lost my business. and was unable to pay. they put me on a debt forgiveness due to hardship and did a charge off and hit my credit. which is fine. but now they are trying to restart an old debt. Which I do not feel is fair. I 'm am tired of the constant harassment by this fraud company. And I want it stopped immediately! I am not working so there is no way possible I can pay it back.They will get nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In  XXXX    XXXX   I told a representative of Lexington Law Firm that I was really needing to keep in close contact with my paralegal due purchasing a house and I would be having lots of people looking at my credit. I told them that I had been having a hard time getting them to respond by phone, email or even on the chat line. I was told that things was getting better. The next month same thing happened. I did get to speak to some  one  after after I threatened to cancel my services. This representative talked me in to staying on with them and she reduced my fees for my troubles. Ok At the end of this month, I say about  XXXX  or so I started trying to call them. I was put on hold for a very extensive amount of time. Then I sent an email. I asked to be contacted. I also sent several emails to no avail, No one contacted me. I finally decided to cancel my services. I told them to cancel the service and the reason why. All of the sudden, they started sending me emails about disputes and letters they were sending out. I think this agency is a scam because I only got emails when they knew I was getting ready to cancel. Every month they do the same thing right around time to pay they send out status reports. This looks sneaky to me as if they are sending the information when it is time to pay. I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America said i qualified for certain programs. Then in the next paragraph i was told i didnt qualify for those programs. I asked what payment i should make toward my mortgage. I was never told, i never got a call back. I have done everything Bank of America has told me to do. Yet, they lied to me and proceeded to take action against me. Now, they have been sued for XXXX dollars i get a call stating they wanted to send me an application for a modification. Only, i cant get in contact with no one. I leave several messages and no one will call be back. I have not received the application in the mail and its been over a week. It is going on two weeks. I called again today and got nowhere. I would like to know what is going on. This is my house Bank of America has tried to steal from me. Although, they have been sued. They are still playing games. I can pay my loan modification so i dont understand the question. Thats what one of the problems i have with Bank of America. They lied about my modification

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 2017-03-14
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was discriminated against by representatives of Penfed Credit Union, XXXX XXXX and XXXX XXXX who established discriminatory requirements for me to obtain a preapproval letter for a VA loan. I was flagged for discriminatory reasons by XXXX XXXX who prescreened loan applicants by phone and assigned XXXX XXXX, Mortgage Loan Originator. XXXX XXXX violated anti-discrimination laws by creating a requirement for the issuance pre-approval letter that was not consistent with VA/XXXX guidelines or PenFed practice. I provided financial documents that supported my VA eligibility and established income that fully met requirements of the Department of Veterans Affairs regarding VA loan eligibility, documents necessary to establish employment stability ( XXXX and paystubs ), and processing requirements.I only requested a loan pre-approval which is always conditional, and not a loan commitment from PenFed. The action of these PenFed representatives was designed to deny me equal non-discriminatory access to a government loan program, and resulted in harm to me due to a lost purchase opportunity of a home and a lower mortgage rate which was available at the time of this discriminatory acts.

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 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. The information listed below, which appears on my credit r does not relate to any transaction  (  s ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX    XXXX   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 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are multiple inquiries, that i did not authorize on my credit profile. I disputed with Transunion and they are stating my info is factual, and i need to contact creditor. I contacted creditor and they in turn removed but its still showing on my credit report.Please remove the following inquiries off my report, they are not my inquiries. 
XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX XX/XX/XXXX Department & Variety Stores

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 2016-05-10
Company: Immediate Credit Recovery
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a Notice of Proposed Wage Garnishment dated XXXX XXXX, 2016. The letter indicates that I have 30 days to request hearing and/or agree to a voluntary payment arrangement equal to XXXX % of my " disposable income ''. In an effort to avoid garnishment on XX/XX/XXXX, I contacted Immediate Credit Recovery, the current servicer of the loan. I spoke with an agent, XXXX at extension XXXX. Initially I was advised that my loan did not qualify for rehabilitation. I inquired why I was eligible two months prior but not eligible now, she double checked and determined that the loan was eligible for rehabilitation. She proceeded to capture financial information ( gross pay less taxes, insurance and expenses ) and calculated a potential monthly payment amount, contingent on confirmation of the financial information provided. The proposed plan amount {$920.00}, my calculated disposable income is $ XXXX/month. I was also provided an option to settle the balance for approx. $ XXXX however am unable to settle the balance. On XX/XX/XXXX I reached out to XXXX to confirm how the proposed rehab/plan amount was calculated, she indicated that it is based on XXXX % of my AGI. She also indicated that there was another repayment plan which takes expenses into account, she referred to this as a " reasonable and affordable calculator '' however again, is not based on XXXX % of my disposable income as indicated in the letter. I asked XXXX to clarify that the option which was written in the letter, 15 % of disposable income, is not an option for repayment - she confirmed. On XXXX/XXXX/2016, I called the Dept. of Ed and spoke with someone in customer service who referred me back to Immediate Credit Recovery, Special Assistance Unit, explaining my concerns and requesting a call back. I called again on XXXX/XXXX/2016 and left message. To date, I have not received a response to either message and indicated in both that I am attempting to respond timely to avoid garnishment as indicated in the letter, action is required by XXXX. My concern is that the letter is clear, I have an option to avoid garnishment and by agreeing to repay XXXX % of my disposable income. I wish to repay XXXX % of my disposable income however Immediate Credit Recovery is not providing this as an option and is non-responsive to escalated calls. Either the US Department of Education has provided false, misleading or deceptive information in the letter dated XXXX XXXX or Immediate Credit Recovery is unwilling to honor the option written in the same communication to pursue wage garnishment which is abusive and/or deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Grant & Weber a letter for a debt validation. Grant & Weber did respond via mail, but my concern is that Grant & Weber has completed a major HIPPA violation along with the original creditor  XXXX   XXXX   XXXX . Grant & Weber is an law office or so they say and I am sure they know of the HIPPA laws or so they should.     Grant & Weber has yet to provide me the original contract that I SIGNED WITH THEM.   Grant & Weber has clearly and willfully broken HIPPA laws.   My medical information is personal and should remain confidential between me and a medical provider.   Grant & Weber is in a clear violation and have no permissible purpose divulging protected health info to anyone on an account.     I intend to file a compliant with DHHS OCR against Grant & Weber as well as  XXXX   XXXX   XXXX   XXXX  for this violation because my information is protected by the HIPPA laws and when a hospital sells a debt, they are only suppose to sell the debt, and NOT my personal medical information, no details!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian keeps lowering my credit then increasing it and they lowering and they keep sending me credit card offers everyday I contact them and told them to stop emailing me about credit card offers and stop offering credit card offers on my credit report and they still refuse to do so. I over XXXX credit card offers from Experian. Whenever I dispute a debt collector to Experian they refuse to help me. Experian is the reason why my XXXX XXXX is awful. Experian 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 2017-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #   XXXX   and  XXXX  Both companies alleged to have sent the results summary was sent to of you for review On    XXXX   XXXX  2017 ,  However as of today    XXXX  2017     I have never received anything from USAA or  XXXX . They have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :  XXXX ,  XXXX     XXXX   XXXX   XXXX   XXXX   , CA  XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TD BANK US HOLDING COMPANY
State: FL
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:
My vehicle broke down while traveling out of state I had it towed to the XXXX dealership During the repair process they did some repairs that were unauthorized claiming these were recalls when I came to retrieve my vehicle I noticed that one of the parts they installed looked broken damaged or used along with several other problems that the dealer caused during repairs I contacted XXXX customer care and the credit card company after I try to resolve it with the dealership ram customer care instructed me to take the vehicle to another dealership for a second opinion they concluded that the repairs that were made by the original dealer were faulty and this was a workmanship issue not a warranty issue i had to pay to fix what the other dealer damaged I supplied the cc company with this letter and all paperwork they opened the dispute but after several days they replied that services were rendered and I had to pay the bill Im not denying that they provided services Im disputing the shady parts they installed and the quality of craftsmanship or workmanship they did causing damage to my vehicle requiring me to pay someone else to fix their lousy work I believe I should not have to pay them because they damaged my vehicle the cc company requested a letter from XXXX XXXX saying that if I didnt provide the letter they couldnt move forward with dispute because service was rendered after I provided them with the letter from a supervisor at XXXX they denied my dispute still saying service was rendered

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Mor ning- I made my payment to Bank of America and found out last week that Bank of America cancelled my payment because my mortgage had been sold to another loan servicer. I had not been notified of this  and now have no idea where to send my mortgage payment. I received a letter from Bank of America dated  XXXX / XXXX / 2017 . I had been off work on medical leave and did get  behind three months. Bank of America received all documents including but not limited to medical records, FMLA,   pay stubs etc. I have no idea where the process is currently with the past due payments, HOWEVER I began making payments again in  XXXX  and they have been accepted by Bank of America. I have no idea what to do or who to make payments.

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 2021-12-19
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I became aware of Radius Global Solution reporting on an alleged debt. I never contracted with Radius Global Solution I am unaware of how Radius Global Solution obtained my personal information to report such alleged debt. This fraudulent reporting is defamation, identity theft, and unfair deceptive collection practices in the state of PA. Debt collection agencies and creditors may only get location information thru communication not to reveal a debt is owed. Unfair or deceptive collection methods. It is unlawful for a collector to collect any amount, including any interest, fee, charge or expense incidental to the principal obligation, unless such amount is expressly provided in the agreement creating the debt or is permitted by law. Communication. The conveying of information regarding a debt directly or indirectly to any person through any medium. Radius Global Solution is not authorized to communicate and i have not given any written consent to this account. Radius Global Solutions is in direct violation of the FCEUA, FDCPA, FCRA, and Aggravated Identity theft 18USC1028a.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE RECENTLY NOTICED SEVERAL ACCOUNTS THAT ARE CURRENTLY BEING FURNISHED THAT ARE RESULTING FROM IDENTITY THEFT AND ARE NOT AAUTHORIZED BY THIS CONSUMER

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