BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Unverified Account Account Name : XXXX XXXX XXXX   Type : COLLECTION Date Opened : XX/XX/2015 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2019-12-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on XXXX 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-02-25
Company: National Recoveries, Inc.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in the mail on the XX/XX/2019 it is  dated XX/XX/2019 and it's in regards to a defaulted student loan or Grant overpayment held by the US department of education is from the national recovery corporation I called when we received the letter and Ispoke to a gentleman who told me I needed to make a payment now if I did not make it a payment or I felt that it was not mine that I needed to file a dispute within 75 days or they were going to take my taxes. within that week less than 7 days my federal taxes were taken within the 7 days of that time frame I did get ahold of XXXX XXXX  and XXXX   and I filed that identity theft. They inform me " XXXX  '' that this collection company that they are not a borrower they are not a legitimate company National Recoveries that they're not a legitimate company they don't have them as one. So I went to my tax accountant he told me that I needed to call or go online to you guys to get this disputed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Unable to get my credit reports from any of the credit companies they refuse to provide me my free annual credit report and they claim I have n't provide proper identification, which is a lie.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: NC
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:
It has been a long time since I viewed my Credit Report and upon checking my Credit Report, I was appalled by the Credit Bureaus lack of concern with a consumer 's Credit File. I noticed many erroneous information being reported on my Credit Report. Im now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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:
On XX/XX/2019 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: National Credit Adjusters, LLC
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: Their investigation did not fix an error on your report

Complaint:
This collection account is paid in full with {$0.00} balance however NCA and XXXX continue to report the account as open and active. XXXX XXXX XXXX have removed this account from my credit report. There has been no communication or evidence provided that the account dispute has been actually verified. 
I have repeatedly asked this account status be updated and removed since XX/XX/2021. XXXX always comes bdvk within 7 days as verified with no documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: DRIVEiT Holdings, 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: Information belongs to someone else

Complaint:
On XX/XX/2020, DRIVEIT XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted american express after my yearly fees were due. Not needing the card any more i contacted them stating i wanted to cancel and that when they waved the yearly dues and sent a updated bill i would pay in full. I eventually got a call from a debt collector stating that i owed the amount ( including fees that i asked be removed ) and was now in collections. i called amex and they expressed that they were unable to help since it was in the collectors hands now and the collectors stated that they could not confirm the issues with amex. I paid the amount including fees in full just to be done with them but now my credit score has taken a huge hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$58.00} XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021, I sent each credit reporting agency ( Experian, XXXX, and XXXX ) a letter ( per their request ) requesting my consumer report, consumer file and investigative file. AS of XX/XX/2021, I have not received any of the 3 documents I have requested.

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 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TransUnion does not have account by XXXX XXXX XXXX account XXXX showing on my account it was closed. The account was open in 2008 and there was not ever no late payment. I have my other 2 credit reports that show XXXX XXXX. 
I don't no why this was taken off my credit report.TransUnion seems to remove accounts that paid off and in good standing. I'm also filing a complaint with US attorney consumer complaints to TransUnion Practices and other various issues with TransUnion

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 2020-09-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Service, LLC is the servicer of my mortgage loan ( Loan No. : XXXX ; FHA Case No. : XXXX ). XXXX mishandled thirty-seven ( 37 ) partial prepayments on my mortgage loan made between XX/XX/XXXX and XX/XX/XXXX, all of which were made in an amount equivalent to, or  exceeding, the amount of the regular monthly mortgage payment then due and were received by Carrington on or before the due date for each monthly mortgage payment ( the first of each month ). The limited payment history available through the customer account portal on Carringtons website, which only covers the period XX/XX/XXXX XX/XX/XXXX, appears to show that Carrington treated at least  thirteen ( 13 ) of the thirty-seven ( 37 ) partial prepayments as advance payments on future mortgage payments rather than applying them to pay down the outstanding principal on the Note, as required by HUD/FHA regulations and policy, Paragraph 5 of the Note, and Carringtons own policy as stated on its Monthly Mortgage Statements. The remedy for this error in the treatment of my partial prepayments should be to put me in the same position I would be in had Carrington fulfilled its obligation to apply my partial prepayments to the principal balance on the loan and reduce future regular monthly mortgage payments. I have called and written to Carrington in an effort to resolve this problems, but Carrington has failed or refused to address my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Mercedes Benz Financial Services
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received several calls from an XXXX about a car that my husband financed through Mercedes Benz Financial. I was told that the car was under the corporate name of XXXX XXXX - a business my husband & I used to own together. I advised that I was unaware of the debt and that I would contact my husband in reference to the said debt. I did. I spoke to representatives on two more occasions telling them that my husband expressed that he would like to keep the vehicle and pay the back owed monies. I was told that this was not possible. I later discovered through conversations with my husband that this vehicle was not finance through the business at all. Please note : I did not finance this vehicle at any time and did not sign any agreements with Mercedes Benz Financial. I was given financial information on what was owed on this XXXX XXXX, however I am not the owner of this vehicle, nor the borrower, nor a co-signer. 

On XX/XX/XXXX my husband came home and told me that the Co-Assistant Scout Master of our local Boy Scout Troop ( of which we are both leaders ) told him and handed him an email from XXXX XXXX of XXXX XXXX. This email went out to our entire troop and reads : FILE # XXXX / XXXX XXXX / XXXX XXXX XXXX My name is XXXX. I'm with XXXX  XXXX. I'm contacting you on behalf of Mercedes Benz Financial, requesting location information for a XXXX XXXX XXXX, and/or XXXX XXXX / XXXX XXXX XXXX. 

If you have retained an attorney to handle this matter, please provide their contact information. You can reach me at XXXX. You can reach Mercedes Benz Financial at XXXX. Please reference your file number upon contact. 



-- Thank you, XXXX XXXX XXXX XXXX  XXXX I should NOT have been included in the attempt to collect this debt and be named in connection to this debt. In addition I believe my privacy rights were violated by this debt collector and is slanderous & liable - as it is implied that I have an outstanding debt with Mercedes Benz Financial, and I DO NOT and NEVER did!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Kashia Services
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am paying XXXX percent interest. I asked for a reduction in rate and they told me no. I did some research and learned that this company is not licensed in Massachusetts and additionally the rate of XXXX per cent is illegal in this state. I'm currently out of work and these payments are putting me in financial ruins.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: OneMain Finance Corporation
State: TX
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:
One main is reporting on my account this account isnt mine I need removed from my profile asap Account number : one main XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: NC
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 XX/XX/2018 this collection account was paid by XXXX XXXX has still been reporting as an open collection account on my Equifax report. I would like to know why this account is still reporting open when it is closed on my other two reports. Please investigate this matter I have tried several times reaching out to XXXX XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Via phone calls requested proof secondary insurance was billed. Also requested proof they billed in the mandatory time frame. The refused. 
XXXX verbally stated via phone calls they have no record this claim was received to cover any/all of this balance after the portion paid by Primary insurance, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans are being serviced XXXX/PHEAA. Around last XX/XX/XXXX, I asked them about a difference in the calculation between the months I was tracking for qualifying payments for the public service loan forgiveness ( PSLF ) and what months they were reporting. Since XX/XX/XXXX, numerous customer service agents have repeatedly pushed back the expected timeline to hear about the results of the audit, with the latest customer service representative telling me the two months in question were somewhere around XX/XX/XXXX-XX/XX/XXXX or  XX/XX/XXXX-XX/XX/XXXX, but that XXXX hadn't credited these two months yet because they hadn't determined that I was in a qualifying repayment plan despite being in one before and after the two months in question. The customer service representative said it looked like some of the questions arising were concerning the status that XXXX had placed me in deferment for one day during the month - against my instructions and desires. The customer service representative once again said that the account was scheduled to be reviewed, but she could not tell me when the review would be completed. As a result of this negligence, XXXX/PHEAA is costing me valuable repayment credits toward qualifying payments made toward the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
During the COVID-19 pandemic we are asking Citibank to reverse the monthly maintenance fee on our checking account. Citibank refused to reverse the XX/XX/2020 fee.

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
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: GA
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:
My XXXX XXXX credit card due date is the XXXX of each month and closes on the XXXX ... .and XXXX  of the XXXX is when it reports to the bureaus ... ..on the report date my balance was XXXX ... ..now on XX/XX/XXXX which is not my report cycle ... XXXXEXPERIAN reported my account over the limit at XXXX and dropped my credit score significantly ... I am attaching my statement that closed XX/XX/XXXX and should have been reported in XXXX ... XXXX statement has not even generated yet ... .Please correct this and re-score my file ... .I am in the process of buying a home ... the CREDIT BUREAUS ARE CONSTANTLY WORKING AGAINST THE CONSUMER ... now when this account is at XXXX ... .THE BUREAUSE DON'T REPORT XXXX!! I HAVE TO CALL THEM TO UPDATE 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 explanation