BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
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: Information belongs to someone else

Complaint:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.

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 2022-09-04
Company: Grant Mercantile Agency
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date Assigned XX/XX/2021 GRANT MERCANTILE AGENCY Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Amount Owed {$3300.00} Amount {$4000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i woe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My wife and first attempted to receive our free annual credit report via the Internet with not success. We then submitted the required request form provided by XXXX, by mail. Our request was denied for : Proof of current mailing address. We then provided a new request form with proof of current mailing address and again denied. We after words applied for credit to purchase a vehicle and was denied for credit reasons. The incident occurred with all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 credit bureaus XXXX and Transunion are reporting inaccurate information on my credit file. They are reporting a late on XXXX/XXXX  for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.

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 2020-03-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for HSBC Premier checking account in XXXX under a {$750.00} welcome offer for new customers. The terms were $ XXXX direct deposit per month for three months. I have completed this requirement in every month the account has been opened. Every month I call for the status and get the run around. I was told I'd see it at the end of XXXX. Then I was told XXXX. Then I was told XXXX. Now I'm told XXXX. This is completely unacceptable. Colleagues that also signed up under the same welcome offer in XXXX received their {$750.00} welcome bonus in XXXX. HSBC needs to honor their offer and deposit the welcome bonus to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EDvantage LLC
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I told tuition options that I wasnt able to keep up with my payments and the customer service lady said to me and and my mom that I if I was still enrolled in school that I wouldnt make payments on my student loans I just got XXXX XXXX XXXXl I started up in XXXX and tuition options contacted my today asking if I can make a payment I have no job and I got denied for trying to take a loan out so I can be able to pay for college tuition options knows this and yet they keep asking me when Im going to pay. When I had talked to someone over the phone to try and get help or other options so I can repay the loan the customer service representative said thats not my problem that you cant pay on youre student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Revenue Enterprises, LLC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These are medical bill co-pays. On my Credit Report It shows that they have been turned over from XXXX XXXX XXXX XXXX, who owns XXXX XXXX XXXX Clinic where the co-pays were charged. They turned over the debts to Revenue Enterprises of XXXX California. The amount listed on the Credit Report for all copays that I owe is {$440.00}. When I contacted XXXX XXXX XXXX XXXX on XXXX, they said I would have to pay these through Revenue Enterprises Debt Collection Agency. I called them and spoke with on at XXXX who is at extension XXXX. I told them I wanted to pay the outstanding Balance that was listed on the credit report. He checked the account and came back and said I had a total of XXXX accounts with XXXX XXXX for co-pays through XXXX XXXX XXXX Clinic, and had XXXX options to pay the bills off. 1. By paying {$640.00}, I would be paying all of the outstanding accounts, and that these would be " wiped '' off of my Credit Report in about 30 Days after the paperwork goes through. Option 2. Pay an amount of {$540.00}, which would pay off all the accounts, but the accounts would still be listed on my Credit Report. I asked why the other accounts were n't sent to the Credit Bureaus along with the XXXX listed ( see document - revenue enterprises list on my credit report attached ). He said he did n't know why that is must be a paperwork issue. 

I was supposed to call him this morning XXXX -- XXXX at XXXX. CDT and choose which option I wanted. He would not give me a list of the itemized charges of the XXXX collections he had in his office. 

I since learned through the Consumer Financial Protection Bureau that promises of paying an amount to a XXXX party collection agency are not true, and that the collection agency had not authority to have the Credit Bureaus wipe the slate clean. 

I do not trust this person, or the Company. My Goal yesterday was to simply pay delinquencies of these XXXX bills that were sent to the Credit Bureau in the amount of {$440.00}. Then all of a sudden, there are these alleged other XXXX XXXX Hospital Bills that Revenue Enterprises said also needed attention.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Aargon Agency, Inc.
State: TX
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:
I do not know what this debt is for. I have never heard of this company  XXXX   XXXX , nor have I ever received anything from this company regarding any kind of debt. It shows this debt was opened with this collection company on  XXXX   XXXX ,  2015. I do n 't have a clue who this original creditor, nor have I ever received any documentation from this debt collector.

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 2016-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
ON THE ADVICE OF MY ATTORNEY, I AM FILING ANOTHER COMPLAINT REGARDING THE SERVICING OF MY LOAN. IT APPEARS THAT SPSERVICING IS STATING THAT I DID NOT MAKE MY XXXX PAYMENT, HOWEVER ON XX/XX/XXXX THEY RESPONDED TO YOU THAT MY LOAN WAS CURRENT AND ONLY DUE FOR THE XX/XX/XXXX PAYMENT. THEY ALSO CLAIMED THAT THEY WOULD FIX MY CREDIT AND ALSO APOLOGIZED FOR ANY INCONVIENCE THEY CAUSED ME IN THE YEAR OF XXXX. HERE I AM AGAIN TRYING TO GET SOME HELP TO GET MY MORTGAGE AND CREDIT FIXED. WHEN I CALL, I AM TOLD THAT MY XX/XX/XXXX PAYMENT WAS NOT MADE. I WAS ALSO TOLD THAT SPSERVICING HAS BEEN REPORTING ME A ROLLING 30 DAY LATE ON MY CREDIT REPORT. I AM ALSO FILING A WRITTEN COMPLAINT AND SENDING IT DIRECT TO MY HUD OFFICE. I HAVE NUMEROUS COMPLAINTS ON FILE AGAINST THIS SERVICER. I AM ATTACHING PROOF THAT MY XX/XX/XXXX PAYMENT HAS BEEN MADE AND THAT MY XX/XX/XXXX PAYMENT HAS ALSO BEEN MADE. PLEASE REFERENCE XXXX TO BETTER UNDERSTAND WHY I AM FILING THIS COMPLAINT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage company Select Portfolio Servicing is horrible at helping their clients save their homes. We have been fighting with them since XX/XX/XXXX to save our home. We have tried everything from modification requests, bankruptcy, repayment plans and we have been turned down on everyone request. XX/XX/XXXX we had {$20000.00} to put towards our arrearages and SPS denied us any kind of modification. We have talked to so many different agents and got different answers to the same questions. One agent would say yes you can and the next would say it 's too late after all the paperwork was done. They need to be retrained so the left hand knows what the right hand is doing. We are now working with an HUD counseling agent who gave us this website because she agrees that we have been given the run around and with our income and the money we HAD to put towards our arrearages that we should have been given a modification plan. We would like an investigation done on their practices because we are not the only ones that have been denied or are having the same problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: FC HoldCo LLC
State: NY
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:
On or about XX/XX/2020 i was searching internet to check rates on auto refinancing checked XXXX XXXX XXXX they asked to put basic info and last 4 digits of social security i did not apply for credit just checking to my surprise there was a hard credit inquiry on my credit score profile from Flagship Credit please help Thank You.

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 2020-03-26
Company: SECURITY FINANCE CORP
State: UT
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 credit bureaus are reporting incorrect information on my account. They are reporting a XX/XX/19 late on Sunbelt Credit. I have never been late and they need remove/fix the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Dream Center Education Holdings
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am submitting a complaint today on XXXX/XXXX/15 due to the fact that I ambeing overcharged for my private loan which is a parent plus loan withXXXX XXXX. When I first visited with my parents on the campus todiscuss financials, we were told that the amount would not exceed {$20000.00}. I had come from a XXXX college called XXXX inXXXX, IL. I had received an associates there and was able totransfer XXXX credits to Argosy University in XXXX, IL. 
I still had a remaining XXXX credits to achieve my XXXX degree. 
We had decided that I was to attend school full-time. I also wasnotified on the news that Argosy University was being sued forover-charging students on their loans which has caused financialdistress among XXXX students including myself. I had receivedaround XXXX stipend checks which I returned back to the lender andchose not to keep them. I felt this was the best decision for me, because I did n't want to accrue anymore debt. When I had completedschool, I had received checks from XXXX XXXX and XXXX servicing. 
My federal loan balance was around {$9000.00} and my XXXX XXXXloan ended up being {$38000.00}. We were completely shocked overthese numbers because this was not what we were told. I have beenpaying the loans without a doubt, but will struggle. I have not been lateonce. I spoke to XXXX XXXX multiple times stating that it was difficultfor me to make payments, but were unable to help me. I told themI had made on -time payments and they could n't arrange anything. 
My concern is not the federal loan at this point, but the XXXX XXXX. 
I have attached XXXX documents which include history of my account onmy portal with Argosy University which show all the charges accruedand voids of my stipend checks. I have also included the tuition feeschedule to show what should have been charged per semester. Mygoal is to reduce my financial stress of my total loan of {$47000.00}. 
I believe my account history should be looked over very carefullywith hopes that I can lower my loan amount which is what Iwas promised from the counselor. I do n't believe this amount iscorrect and I am struggling making these payments due to myother accrued expenses elsewhere. The person I did speak with isXXXX XXXX with Argosy University. I do n't have a high enoughincome to support these payments. I have just graduated. 
XXXX XXXX which is led my the state, had revealed on the newsthe large amount of students being misled and overcharged forstudent loans and I believe I am one of them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: AR
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:
LAST CHANCE FOR EXPERIAN TO REMOVE XXXX XXXX XXXX XXXX XXXX, THIS ACCOUNT IS VIOLATING THE XXXX EXPIRED ON COLLECTION. 
XXXX XXXX. ALL OTHER BUREAUS DELETED THIS INVALID ACCOUNT 3 YEARS AGO.

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 2015-12-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A Credit Collection agency report that I have co signed on loan for XXXX I 've been disputing these charges and filed a police report. The reporting agency only states the debtor stated my name, address and SS # is correct and they consider that enough information to verify it 's my account. They have no documents showing I co- signed for any loan or anything. Just a call verifying my information. I 've had a fraud alert on my account to prevent this fraud and Eqifax continue to allow this false information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital one employee discloses confidential info to third parties My account is current and payments on time Violation of privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerisave cut 3 checks from my escrow account to pay my hazard ins. Two checks for XXXX each, XXXX check for XXXX. The insurance was XXXX. On my dashboard, it clearly shows that one check for XXXX and one check for XXXX were refund deposited. After taking the 3 checks out of my escrow, the company ran an escrow analysis, which caused my escrow to be short XXXX  dollars, which in turn caused my mortgage to go up XXXX  dollars. I feel that the money somehow has been stolen. It clearly shows on my dashboard that the 2 checks were re-deposited but for some reason the money has not made it back to my escrow account. I have been dealing with this issue with the company for over a month. I have asked for a new analysis to be ran after the checks are deposited but it is at a standstill and in the meantime, I am paying XXXX  dollars a month more then I should be. I am retired and on a fixed income and clearing can not afford this huge increase because they won't correct their mistake, where are my 2 missing checks??

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
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:
I have been currently disputing accounts on all three of my credit reports since. XXXX ... .Equifax and XXXX since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX  done for a XXXX I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus XXXX   XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief