BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I was notified I had medical debt collections from a credit report that was pulled for a mortgage pre-approval request. On XX/XX/2022, I sent a debt validation letter to Merchant Adjustment Services via certified mail. On XX/XX/2022, I received a letter from Merchant Adjustment Services. Contained in the letter was not a validation of debt, rather, I received a list of the medical records in direct violation of XXXX regulations. I never signed an authorization allowing access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a FEMA declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30  days late for XXXX and they have repeatedly refused to fix this.

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 2017-04-14
Company: LEXISNEXIS
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Civil judgement and eviction has been removed from all XXXX credit bureaus, but 3rd party agencies ( i.e. LexisNexis, XXXX, XXXX, XXXX, XXXX/XXXX, etc ) are still reporting it. The creditor is showing up under XXXX ( XXXX/XXXX ). This is making it very hard to be able to rent anywhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & XXXXXXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 my personal computer was hacked and they gained access to my Chase bank checking account # XXXX. They tried to charge via XXXX an amount to XXXX XXXX {$480.00}. 
Chase sent me a text asking me if I authorize this payment and I replied NO. Chase went ahead and sent the payment anyway. 
Now they will not honor or refund the amount to me until they try to get the money back from XXXX. i dont know how long that will take. I have been a Chase customer fo XXXX  years and they will not do anything more for me or return my money until after they file a claim. 
I think since it was Chases fault and I did not authorize this payment, they should refund my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: PNC Bank N.A.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I attended XXXX College and graduated in 2009. I had to take out private loans to afford college. It is over ten years later, and due to the always increasing interest, I have paid OVER {$30000.00} IN INTEREST ALONE! This means most of my private loans have only a fraction paid after over a decade. I actually had to enroll in a XXXX program and obtain more student debt to be able to make more money to pay off more loans. This vicious cycle has kept me up on so many nights, I can not even begin to count. I just need help. I have tried going through XXXX XXXX XXXX to talk to PNC, the private loan company, but they said there is basically nothing that can be done. I would love someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
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:
I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now this account is showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened -XX/XX/XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Manhattan Beach Venture, LLC
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received a call from a  XXXX   XXXX  at the number  XXXX   XXXX   XXXX   XXXX  asking for personal information such as my social security number for loan forgiveness programs. After already giving him access to my  XXXX  account, I abruptly ended the call once he asked for my social security number. I am now worried that they have access to my account, even after I changed my password. This happened today,  XXXX / XXXX / 2017 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: IL
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:
THIS COMPLAINT IS BEING SUBMITTED BY MYSELF XXXX XXXX XXXX XXXX PERSONALLY. no third party is used in the submission of this complaint I have disputed directly with all 3 bureaus regarding incorrect information repeatedly. the refuse to report my accounts accurately iaw with federal credit reporting act. 



1. they continue to report credit card accounts open/deragatory which were discharged XX/XX/2020 in a XXXX  XXXX bankruptcy ( case XXXX ). these accounts should be reported as closed 2. they refuse to report payment history accurately for older good standing installment accounts in the correct timeframe ( my creditor score factors states i have short credit history ) 3. they refuse to accurately report open installment accounts payments in 30 days 4. they have closed current installment accounts and not reported current payments 5. they refuse to remove remarks after repeatedly disputes. they remove them and them put them back on again over and over 5. AS RESULT OF ABOVE MY CREDIT SCORE AS BEEN SAME FOR YEARS

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 2017-06-16
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - XX/XX/XXXX - BSI tried to foreclose on my loan after they refused to give me a loan modification. After the foreclosure failed, they attempted to force me into a Short Sale. I refused the Short Sale and asked for a reinstatement of the loan. I had all of the back payments because BSI refused to accept my payments from  XX/XX/XXXX -  XX/XX/XXXX .
<P/>
 XX/XX/XXXX - I was sent a re-reinstatement letter and breakdown of the fees associated with the full reinstatement of the loan. I was sent a confirmation that all fees have been identified and listed.
<P/>
 XX/XX/XXXX - Paid the reinstatement amount {$13000.00}.
<P/>
 XX/XX/XXXX - Paid first payment after reinstatement. Noticed late fees in the amount of {$680.00}. Asked for an explanation of the late fees since I had just paid all fees up to date in the reinstatement agreement. Have yet to get a reply of why there are fees.
<P/>
I have continued to make the payments without the late fees to keep my loan paid on time. I 'm looking for a resolve to this matter to explain why the charges exist? That they be removed? That the negative reporting to the credit bureau be removed because my loan was late due to the process of the loan modification, short sale and subsequent reinstatement of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I 'm filling a complaint against  XXXX  credit bureau  XXXX ,  XXXX , and Equifax. I checked my credit at  XXXX    XXXX   which send me an alert that my credit score has changed. I checked my credit score on  XXXX   XXXX . My credit score had fallen very low from going  XXXX  to  XXXX   (   XXXX   ),   XXXX  to  XXXX   ( Equifax ) "  I was Mad ''. They are going old information that been remove d. One I do n't have a Bankruptcy. Second I do n't have a Tax Lien. I want all information re move " NOW ''. The information is attach to this complaint. I pay my bills on time and I do n't need false information against me or my family.     The Fair Credit Ac t ( 1970 ) 15 U.S.C -1681 The Truth in Lending Act The Fair Credit Billing Act 15 U.S.C -1681 State Status of Limitations The Fair & Accurate Credit Transactions Act The Fair Credit Debit Collection Act U.S.C 1692 - 16920

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I took my 2010 XXXX in to Tires for less for a flat tire. The worker showed me a tire that he said was {$74.00} dollars and then asked him if he had XXXX of them he showed me both tires and we agreed to do the work. I then went to lunch and when I came back the car was complete. I inspected the car paid and drove off. When I got home I noticed my account was charged {$540.00} dollars which we did not agree on. I then went back and he said that it was nothing he could do. I then called my bank and disputed the transaction and they said I needed a receipt but the merchant never gave a 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 explanation
Consumer complaint received 2021-10-27
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a {$33.00} fee for an ACH transfer fail on XX/XX/2021. The fee is completely new that was implemented on XX/XX/2021 with no notification. I don't understand why the fee is so high when a return check is only {$12.00}. It's the first time it has happened and when asked for a courtesy refund the bank refused.

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 2022-09-10
Company: Nelnet, Inc.
State: NY
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:
I took out a student loan back in XXXX that was written off in XXXX and closed by the US Department of Education. The balance was erased and everything was reported accurately to the credit reporting agencies until XXXX I recently checked My XXXX credit report and the loan is appearing as three separate loans which is incorrect and violated double jeopardy laws in place to protect consumers from inaccurate credit reporting as per the Fair Credit Reporting Act. I have attempted to contact the lender but since its a loan I was informed that XXXX should be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw on my credit report that portfolio recovery had 3 collections and I went over my report and also the information they were providing and nothing matched to me at all.. the address was not any address ive lived in.. the name was incorrect..email and job along with other items.. I disputed the information with the credit report only to have them say it was accurate and thats just not humanly possible. I asked for my signature on anything bearing this is my account along with other items and they could not provide anything and all they did was update their profile after my dispute ... I know my rights as a consumer and will be looking for litigation if this is not successful as I have plenty of evidence to show this is not mine! My rights as a consumer state they must prove 100 % the account is mine and there is no way that was possible so im taking this route and hiring a lawyer next if need be.. thank you for reviewing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX  XXXX advertised the credit card as follows : " The XXXX  XXXX XXXX XXXX card NEW - XXXX bonus mile offer Get XXXX bonus miles plus XXXX  's Famous Companion Fare from {$120.00} ( {$99.00} fare plus taxes and fees from {$22.00} ) with this offer. To qualify, make purchases of {$2000.00} or more within the first 90 days of opening your account. '' I applied for the credit card and was charged more that 2000 dollars in the first 30 days but was told by " XXXX '' XXXX from Bank of America that my total charges did not equal the sum total of XXXX dollars because BofA 's policy is to subtract the service fee of XXXX dollars. Since the fee is unavoidable, advertising should explicitly say a minimum charge of XXXX dollars is required. This is the foreseeable outcome of their practices and the above listed advertisement is misleading and has the potential to defraud consumers by denying benefits that a reasonable applicant would conclude they were entitled to.

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 2022-03-30
Company: EdFinancial Services
State: PA
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: Investigation took more than 30 days

Complaint:
Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Avant Holding Company, 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 information incorrect

Complaint:
Avant Credit Card has reported this account as Charged Off repeatedly since 2020. Per the FCRA, an account can only be charged once and reported once. Also, in XXXX of this year, Avant reported a late payment. A closed and Charged off account can not report a late payment, as the account is " dead ''. I attempted to resolve the issue with XXXX, but received a letter that the account would simply update as closed and the issue was resolved. I then sent an email to Avant, attempting to resolve the issue, but I did not receive a response. I have tried for 3 months to resolve. This has caused my home closing to be delayed twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was transferred from  GreenTree to DiTech Financial i n   XX/XX/XXXX   and was paid in full on   XX/XX/XXXX .  As per  DiTech Financials payo ff letter, our principal balance was {$13000.00} ; our escrow balance was {$1200.00} ; interest was {$34.00} good throug h  XX/XX/XXXX . Inter est per day was quoted as {$2.00}.  DiTech received a check on  XX/XX/XXXX  for {$13000.00}. DiTechs principal a nd escrow balances matched my recordkeeping.    Ditech mailed  an escrow check for {$1200.00}. Their check to us was {$58.00} short! I called the company o n  XX/XX/XXXX  to inq uire as to why our check was shorted {$58.00}. I was told it was because our payoff check was short and they took {$58.00} from our escrow to close the account. Knowing this was not correct, I asked for an explanation. The customer service agent agreed that the payoff was not short and stated she was sending our account to loan servicing for a review. I was told the same story on my subsequent phone calls  on  XX/XX/XXXX ,     XX/XX/XXXX  and  XX/XX/XXXX .    O n  XX/XX/XXXX , I mailed a certified letter to Ditech asking for an explanation. Finally, I received a letter from DiTech dated  XX/XX/XXXX  stating their records indicate the payoff was NOT SHORT and this account was paid in full and closed on  XX/XX/XXXX . The letter didnt say anything why o ur escrow check was shorted and didnt include a check for {$58.00}. The letter did state if I had any further questions or concerns, to please contact (  XXXX  )  XXXX . As such, I made more calls on   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . Again, I was told the same story, our account would be sent to loan servicing and I would receive a call back. It has now been 10 months and DiTech has failed to respond, has lied, and uses diversionary tactics. I am DEMANDING DiTech immediate ly send a check for the {$58.00} they owe us from our escrow account!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Reporting company used your report improperly

Complaint:
XXXX, Experian, and XXXX are all in violation of my consumer rights. See the attached.

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 2019-03-22
Company: The Outsource Group, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/XXXX XXXX XXXX put a collection on me for {$2500.00} for a hospital bill that was from a follow up visit for an on the job accident ... 
and i have a XXXX XXXX XXXX thru workers comp XXXX XXXX XXXX knew this because i was brought there bye ambulance on XX/XX/XXXX after a 60foot fall at work and they were told bye my lawyer that workers comp was paying all bills and do not send any of them to collection and they did it anyway .... 
my lawyer and i have both talked to XXXX XXXX XXXX  and the XXXX XXXX people ... and they refuse to remove it ... .the bill was turned into workers comp and paid in full yet i still get harassing phone calls from both of them threatening to damage my credit further and garnish my wages that i dont have ... when i am crippled for the rest of my life

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 2019-03-22
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit reported was updated today with a collections agency southwest credit systems LP. For  {$360.00}. I dont know who they are. I dont owe them any money. I have never had a signed contrat with this company Southwest credit systems LP. I did not receive any written notification of them attempting to collect a debt from me. I was not given the opportunity to dispute any debt with them. I was suppose to be notified by mail. They are destroying my credit character and worthiness. I want them to stop reporting to the credit bureaus immediately! I will take legal action

Company response to consumer: Closed with explanation