BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacting Medical Data Systems for about 2 months and disputing this medical debt from my credit report. I spoke to several representatives and I told them that I did not owe the debt because I had health insurance coverage, and according to their records, I was listed as self pay in their system. I contacted my insurance carrier received an email from them stating that I had coverage, then I took the letter to the XXXX spoke to a supervisor and they provided me with an itemized bill showing that I have a XXXX balance, and stated that it was their fault that they did not submit the information to my insurance carrier, and that my insurance information was in their system. I then contacted Medical Data Systems to provide them with the information. However, they already had all of the information in their system and shows that I have a XXXX   balance. So! I asked the manager if this will be deleted from my credit report because I did not and do not owe the debt. The supervisor mentioned that it will not be deleted that they are just going to update the information but it will remain on my credit report. This debt was never suppose to be on my credit report in the first place as they are continuously reporting incorrect information.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 is reporting I owe them XXXX + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from XXXX XXXX has been returned since XXXX of 2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time

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 2015-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted Equifax and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling XXXX to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today I got a call from a debt collector TSI. The rep said it was on a recorded line despite me not giving consent and I asked what it is in regards to she told me and I asked to only correspond by mail with no more phone calls. She then asked me how I would like to take care of the matter and I said when I get the paperwork I will have a look at it. She said well the paperwork takes 7 to 10 days to get to you I need to know how youre going to take care of it before then and I said this is the 2nd time Im asking you to  only correspond by mail. This is total harassment! 

She laughed and said youve been in collections for almost a year Im asking how you plan on paying for it I said this is the 3rd time Im asking to correspond only by mail. 

She said I know you are aware of this bill and I want to know how much youre going to pay today. I said this is now the 4th time Ive asked to end this call and correspond by mail only. 


She said youre in collections you owe {$1000.00} and I need to set up the payment today and I said for the 5th time i am asking to only correspond by mail on this matter She laughed again and said well we arent going anywhere I will end this call now and will call you again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2020-06-20
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I cant set up automatic debits from my pnc acct to my XXXX savings acct. Everytime I make a transaction with my PNC card, XXXX rounds the money to the nearest dollar and places it in a savings acct for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSWORLD SYSTEMS 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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, TRANSWORLD SYSTEMS I add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TRANSWORLD SYSTEMS I has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: MA
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:
Experian, XXXX XXXX XXXX account XXXX is reporting inaccurately and needs to be updated to paid on time. Experian didnt correct this account reporting to report the accurate late payment history and this is now false reporting by Experian. Experian if you can not furnish documentation directly from XXXX XXXX proving that I was XXXX days late consistently on the dates reported, the entire late payment history needs to be updated to show paid as agreed never late because of false reporting and subterfuge reporting by Experian. 

I have provided a copy of the credit report clearly showing the inaccurate reporting and have circled and highlighted them for Experian.

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 2022-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Completed payments of Chase auto loan as agreed as XX/XX/2021. Had not received the title to my vehicle. Made numerous attempts to resolve the situation with Chase directly, but had been unsuccessful. Chase agents simply refer me to XXXX and the XXXX agent state the is a lien on the vin number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: OH
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:
The account for XXXX-XXXX, in which, I'm an authorized user is not reporting the correct credit limit of {$5500.00} on my credit report., which affects my credit score. I have attached information reflecting that, along with my Driver 's license to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Lending Club Corp
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was extended credit from The Lending Club through XXXX XXXX without my knowledge. The Dentist was performing procedures that we could not afford and I would never have approved had I known or been asked. He was performing these procedures on my wife without prior consultation to inform her what he was doing or how much it would cost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My sister and I recently purchased a house and we were pre-approved by XXXX XXXX with Bank of America for up to {$380000.00}. Working with XXXX was challenging as he repeatedly asked for information that we had already submitted to him. His poor time management and unorganized behavior were inconvenient and irritating, but that is not our complaint. Our real complaint is that he attempted to mislead us and have us sign new paperwork for our loan on the Friday before our Monday closing date. Our closing date was set for XXXX XXXX, 2016, but on Friday XXXX XXXX XXXX called my sister and told her he needed her to e-sign some additional paperwork immediately. She asked why and he indicated it was something he had forgotten to have her sign. He even offer to meet her at our residence to have her sign all the new forms. What he did not explain was that he had removed my name from the loan and was going to issue the loan solely in my sisters name. We obviously both wanted to be on the loan as we were purchasing the house together. He later called me to tell me that I did not have enough traditional forms of credit for him to approve me on the loan, but after he pursued my sister and attempted to get her to sign on a new loan. It was not his fault that the underwriter did not want to approve me, however he waited until 1 business day before our closing date to inform us of this and he tried to convince my sister to sign paperwork for the loan without explaining what the paperwork was. He also had pre-approved us for up to {$38000.00} based on our credit scores, income, and debt to income ratio, but the housed we were purchasing was only {$170000.00}. We would have selected a different mortgage company immediately had we known there would be any issues having both of us approved on the loan. We were forced to drop him and Bank of America and were financed through a different company with no issue. However, it caused our closing date to be pushed back almost an entire month and we had already paid for an appraisal with Bank of America that was not refundable. It was a waste of our time and money and we were misled by a loan officer that was more concerned about getting his compensation for the loan than he was providing us honest information.

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 2015-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Late fee

Complaint:
I have a credit card that is with Bank of America it has been on auto pay for years. The auto pay did not happen in XXXX. I was not aware of why because I did not stop the auto pay. Bank of America Charged me a late fee due to none payment. After calling Bank of America and speaking to the bill pay department, the online department the credit card department and transferred back to online banking I was told that there is a system upgrade that caused an issue. However they still charged the fee and could not confirm that the auto pay was going to happen in XXXX. If they knew there was a system issue why would they not auto correct the issue instead of charging the fee? Because they want to XXXX from people and hope they do n't complain. It took XXXX minutes out of my day and no department took real responsibility they are making it difficult so that people give up and they can collect fees they should not even have charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-12
Company: Navient Solutions, LLC.
State: CA
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 attended XXXX College XXXX. I graduated in XXXX and went into forbearance in XXXX. During this time ( XXXX ) XXXX XXXX used boiler room tactics to put borrowers into forbearance because they would have otherwise defaulted. Once forbearance ran out and it was time to make full payments, my loan amount had ballooned from $ XXXX to $ XXXX. And overall, from XXXX to XXXX, the amount of private loans that XXXX XXXX put in forbearance doubled to {$2.00} XXXX. 
On XXXX XXXX XXXX XXXX ), a district judge XXXX gave his preliminary approval to a settlement agreement in a class action suit filed by investors who claimed that XXXX XXXX, the giant student lending company, had violated federal securities laws. The class action suit claimed that in XXXX, as it prepared itself for a lucrative purchase by a consortium of banks and private equity investors, XXXX XXXX lowered its lending standards to bolster its portfolio of high-interest-earning " subprime '' private student loans. But, when the economy started to crash and default rates spiked, XXXX XXXX attempted to hide the damage by changing its loan forbearance policy to punt defaults into the future. In the proposed settlement, the XXXX parties agreed to the creation of a {$35.00} XXXX pool to " resolve investor claims. '' That was good news for the investors, and seems like a relatively cheap price for XXXX XXXX to pay to avoid a trial. But the settlement offered nothing to me, the student who was lured into taking out loans to pay for my education. 
I am not looking for loan forgiveness. I am fully prepared to repay my loans, and to date have paid {$64000.00}. My plea is for XXXX XXXX to reverse the exorbitant ballooning I was illegally coerced into accepting in XXXX. 
WITHOUT my consent, or the consent of my Co-Signer, those {$70000.00} student loans have risen to {$140000.00}. If I had been notified by the loan " experts '' that forbearance should be used as a last resort as my debts could quickly double, I would never have opted for the forbearance. I was XXXX years old with no concept of the time value of money and XXXX XXXX revealed nothing more than, just pay an extra $ XXXXmonth and we will put you in forbearance. 
So again, I am not seeking forgiveness of my student loans, I am seeking to eradicate the unethical gains of the disreputable XXXX XXXX XXXX. I did not consent to doubling my loans, and neither did my co-signers. I should not pay any debt that was ballooned by commissioned reps in an unregulated environment where boiler room tactics were used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29
Company: Phoenix Financial Services LLC
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:
Phoenix Financial Services has added a collection account to my credit reports withXX/XX/XXXX and XX/XX/XXXXfor a debt that I do not owe. Under the Fair Debt Collection Practices Act, they are required by law to inform me of any debt owed, and it must be accurate prior to reporting that information to the credit bureaus. As I do not have a debt with this company, no validation of this debt has been made and Phoenix Financial Services has violated my rights, I am requesting that the account be removed from XX/XX/XXXXandXX/XX/XXXX immediately. Phoenix Financial Services has also initiated abusive practices by the placement of telephone calls without meaningful disclosure of the callers identity. I was called twice by an unknown number ( that when researched was listed as this company ) by a representative whom would not disclose who they were, but stated " to have her call me darling '' then disconnected the call on XX/XX/XXXX which was very inappropriate. Then on XX/XX/XXXX I received a call from their number to which they stayed silent on the phone which felt like an attempt to intimidate me. I do not know this company nor have I ever done business with them, and their erroneous reporting is hurting my credit worthiness and needs to be removed from XX/XX/XXXX and XX/XX/XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates of XXXX, VA, has made numerous phone calls to my home attempting to collect a debt from a third party after confirmed receipt of a certified letter from me telling them the party they are attempting to contact does not live at my address, does not have my phone number, and not to contact me any more regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Through unfair business practices Compass bank has changed the life-time NO-FEE contractual terms of my business checking, and started charging monthly fees, all without my consent, and have completely failed to notify me of any changes whether by email or by paper mail or by phone. As a result the unauthorized fees caused my account balance to go down without my knowledge, which in turn caused NSF charges, generating improper funds for the bank. Upon finding out of the problem I immediately went to a Compass bank branch which suggested I call a phone number for assistance. I demanded to talk to a person who acknowledged that her bank did not notify me of changes to my account no-fee terms, but refused to resolve the issues. I demanded that Compass bank reverse all improper and unfair fees and charges, that Compass bank return my original fund and close my account at once. The lady Compass bank executive I talked to refused to close my account, stating that I must pay all the accumulative fees and charges first, and that those charges will continue accumulating indefinitely even while the account is in dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20
Company: GULF ATLANTIC FUNDING GROUP INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Gulf Atlantic Funding should not allowed to do business. They lure you in with a supposed personal loan rep who gets a commission but never helps you. XXXX XXXX was supposed to get a mortgage for myself as well as some of my clients. I am a realtor. This was a complete nightmare with lies and months of no help or return calls. Almost losing the deal on the house for my clients!! And hours and hours of hunting them down only to get more lies and no help. Many changes to your costs last minute when you are desperate to buy the house..Like armed robbery without the XXXX. XXXX XXXX was the rep who was an absolute nightmare!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have call from different numbers repeatly and im telling them I dont have the money and they say well note the account and they say the calls well continue untill the debt is paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken loans notified me of an impending change to my servicer in less time required by law, 15-days. I  was notified today XX/XX/2020, verifiable by time stamp via email, and not USPS, that my loan would no longer be serviced by quicken as of XX/XX/2020. Sparse information was provided regarding the new servicing company. I contacted quicken loans today, XX/XX/2020, to discuss this issue to which Quicken said they sent their email on XX/XX/2020, to which I am not in receipt. Quicken did not offer any reasonable solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account is very old XXXX is past the statute of limitations please remove. I have an open active account that is in good standings with this same company. 

Remove this outdated item XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation