BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initially contacted the creditor ( Financial Credit Network ) to resolve this debt, but not getting info by law i should have. I provided all necessary insurance information from my primary insurance coverage in XXXX XXXX for my XXXX, I was told that the XXXX  facility would take care of the billing and that my co-pay was {$100.00}. I made the Co-payment in order to proceed with the XXXX  appointment and the billing staff informed me they would get back with me the following day if any issues came up. Since I did not get a call back I assumed that insurance had taken care of the bill ( Billing Dept confirmed prior, if nothing is wrong, then you are good ). I monitor my credit report updates weekly/Monthly but did not see the debt reported till mid year ( XX/XX/XXXX ) stating my account was past due since XX/XX/XXXX ( 14 days after the appointment ) or resolved/updated/removed. I have been trying to dispute the multiple inaccuracies from all three Bureau 's for yrs ( amount due, original amount, date opened, etc. ), but somehow the 3 Credit Agencies keep saying this company has met their reporting requirements. I kept asking for proof from both sides to verify this data from the collector & Bureaus, but just kept getting the same answer ( we dont provide statements, we can give you a settlement payoff only ) or hung up on. My credit report has showed a balance due of { {$400.00} } for 5.5 yrs, but 2 of the 3 reporting agencies showed high balance of {$500.00}. Agency 3 of 3 said highest loan amount was {$0.00}, however, when I called the Financial Credit Network company I was told the amount due was { {$600.00} }. So if that is accurate, why do all 3 credit reports dont reflect this increase monthly over time? This is just 1 of many errors i requested proof of in order for this collection to be valid. The letterhead info, balance due, owed, open dates, last reporting dates, etc. doesnt match across all 3 bureau 's which adds more inaccurate info being reported as well. After receiving the payoff letter that i had to yell/demand in writing, just to get some sort of legit proof ( so i can take legal action ), i then wrote to all 3 Credit Bureau 's a very detailed individual letter outlining the inaccuracies across the board as proof of these errors and as of today XX/XX/XXXX, only 1 of these 3 ( XXXX ) has removed it from my report. I have done everything i can to provide these detailed explanations with proof just to keep getting rejected. Maybe its an automated robot investigation and not a human? i dont know, but its not following the laws they are required to do so, therefore i am done trying to explain it over and over to them. Please help, They refuse to remove all these errors and its really effecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I complained to you several months ago about this same issue. I went through the process of obtaining my report online. I went through the process, completed the form, answered the questions and this pops up. They need to fix the EQUIFAX website. the XXXX and XXXX websites work fine. Without a report number, have you ever tried to call one of these places? I rather chew my hand off. 
I was denied credit recently and I want to see the report. I would prefer they fix the website but, if they have to, then place a copy in the mail but, only as a last resort. It 's a waste of paper

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I attended XXXX XXXX College ( a proprietary school ). I was taking prerequisite classes to enter their business program. They misrepresented themselves and stated that I would not have to pay till I started the actual business program. While in the prerequisite classes, they then announced that the business program was no longer being offered. They offered other programs for me to enter, and as I was thinking over their offer, the entire school closed down. They were owned by XXXX Colleges, and I heard that all their schools closed. Today, I found out that they are reporting on my credit report that I owe them a debt ( that was sold to a debt collector ; Jefferson Capital Systems ). They are claiming that I owed the school money. I feel it is the other way around, they wasted by time by making false promises they could not keep and eventually the entire school closed down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
Company: Experian Information Solutions 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 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
Despite the fact that I have disputes them countless times at Equifax, and also have filed numerous complaints with XXXX University, they continue to report the status of my two loans as actively 120 days delinquent. These two loans have actually been closed for nearly four years by now. They are doing this maliciously, so that these accounts will suppress my credit scores more than they should. The Fair Credit Reporting Act promises that all individuals can have an accurate credit report. But XXXX University continues to violate my federal rights by reporting my accounts as 120 days late, as opposed to closed 4 years ago. And furthermore, Equifax is also complicit in allowing this falsehood to continue. The account numbers in question are XXXX and also XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have derogatory notices on my credit from a company called RBC. I took my son and his daughter to an emergency room. My son did not have his ID with him, so in order to have my grandaughter seen i gave my ID. I have disputed this bill many times without success

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX Navient failed to help me prevent my charges from increasing and they failed to inform me of changes that occurred on my account even though I am on the IBR plan. Those changes on my account caused the monthly payment to increase to more than {$1600.00} month. They then took that amount and somehow compounded interest on it for two months. They said they had to do that supposedly because the income had to be verified again. So they took that and said it was going to be about {$7800.00} charge that would be added to my total amount of student loans. They have done this type of thing to me for years. They constantly fail to provide any help. They have structured their entire system to confuse, distort and take advantage of people. Navient employees harm innocent people 's credit. They permanently cause stress and suffering for people who are just trying to survive, including veterans. They charge those who have student loans extreme high costs and manipulate people so they can charge more and constant increase loan balances to benefit only Navient. Navient should have to pay back all of the money they have taken from student loan holders, including compensating the victims for the pain, suffering, duress, stress and other negative impacts they have needlessly caused against innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 my savings was completely withdrawal from my chase savings account. Ive filed a fraud document with chase today, XX/XX/2020. The amount was {$11000.00}. I thought I could trust this person with my information login and of course I was betrayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I sent multiple certified letters over 60 days ago and still have yet to receive any sufficient results upon the errors on my credit report. As a consumer I feel like I am being mislead and taken advantage.

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 2016-06-17
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
XXXX XXXX ( XXXX ) does not provide their account holders credit card on file with detailed transaction information. The information is batched into single transactions billed to XXXX , XXXX My family just discovered that XXXX XXXX XXXX XXXX has been billing us for over 2 years for hundreds of dollars ... ..all unauthorized. XXXX will only credit 60 days. We had no way of knowing of fraudulent charges based on our American Express charges monthly and this is wrong. Am. Ex & XXXX need to provide detailed transaction reports so a consumer can readily detect fraud. Please help me get credit for the numerous unauthorized transactions from XXXX on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Sortis Financial, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage payments shortly after my husband died XX/XX/XXXX. Since then, I have filed XXXX Chapter XXXX bankruptcy cases in order to keep my home. 
Shortly after the filing of my XXXX bankruptcy case, I ( through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) submitted a loan modification application to ClearSpring on or about XX/XX/XXXX. 
On or about XX/XX/XXXX, a representative from ClearSpring gave told my attorney over the phone that I had been approved for a loan modification. This loan modification would have allowed me to stay in my home and complete my bankruptcy case without paying so much money on the payments that I 've missed. 
My attorney and I began corresponding ( phone and email ) with ClearSpring over the terms and conditions of the loan modification plan. However, after a short period of time, the person from ClearSpring stopped communicating with us. 
I never received anything in writing from ClearSpring regarding the original loan modification plan nor have I received a written explanation of why ClearSpring decided to withdraw their proposal. 
Also, during the period of time that I was in my third bankruptcy case, ClearSpring did not pay my real estate property taxes for XX/XX/XXXX and XX/XX/XXXX ( even though they were collecting {$110.00} per month from me to be used for property taxes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
HSBC has been holding me hostage over my mortgage since XX/XX/2008. I have been approved for over XXXX loan modifications since 2008, however, after each approval, HSBC fails to send me the modification documents and approvals, and continues to solicit me for other loan modifications, when there is a court order on file with XXXX County, SC, stating that HSBC is not allowed to contact me directly. More Recently, HSBC defense council, XXXX XXXX, has promised my attorney and I that she will expedite my loan modification. see attached letter. It has been two years, and XXXX XXXX has never responded to me or my attorney. HSBC continues to ignore me and my attorneys requests and we do not know how to proceed. I need to get out of this house and get out of this loan so I can move my life forward. HSBC has effectively ruined my life and my credit for the last 8 years. Can you help them to contact me or my attorney? Can you please sanction XXXX XXXX or report her to the bar association for her complete failure to do anything in my case? I am going to provide the proof I have been approved for a loan modification, and the proof that XXXX XXXX has done nothing to help the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I have a loan through First Merit Bank. It is a 15 year loan and I am currently XXXX years ahead of schedule as far as paying this loan off. I made double paymentsfor about the first XXXX years of the loan. Well I ran into some financial issues as wellas some health issues and to say the least money has been tight. Well I made fewpayments late and First Merit Bank reported me to the Credit Bureau, which I know, all banks do this, but I believe this is wrong on so many levels. First off, I am wayahead of schedule, so I do n't know how you can say it is late? Has First merit notused my money that I have already paid back on other investments to further theirbusiness interests? Had I not paid ahead, they would n't have nearly half the moneyfrom me that they do now, but somehow, they are warning other creditors that Imay be a credit risk? This should be against the rules period. I am tired of watchingBanks make money at every turn, and then in return, take advantage of the verypeople who pay them for their services. This is wrong and I really feel liketheir should be rules against reporting people who are truthfully way ahead onloans. I have discussed this with First Merit and the only answer they will give me isthat 's just how it works, sorry. So this is what happened, I hope someone can helpme or at least point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Cascade Capital, LLC
State: AR
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:
I've disputed the inaccurate information on my consumer report but it has not been changed and is currently in dispute Pursuant to 15 usc 1681a ( 3 ) This company assumed this role without permission not only that This company did not have my consent. This company did not respect my privacy which is under 15 usc 1681a ( 4 ). This company did not exercise their grave responsibility,. This company was unfair partial, unjust, and careless. Pursuant to 15 usc 1681b ( 2 ) this company never had permissible purpose. I never instructed anyone from this company to furnish this report and I never consented to the reporting in the first place.

What I demanding right now is that the company delete this account/report immediately within 4 days.

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 2016-07-23
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Other

Complaint:
American Express ( Amex ) inquiries are on my credit report fraudulently. I spoke with a customer service representative who informed me that these were applications submitted over the phone using my personal information. It is common knowledge that ANYONE can submit a credit application with someone else 's personal information. I am disputing these inquiries, made on these dates : XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 I did not submit ANY applications to American Express ( AMEX ) on these dates and wish for the hard inquiries placed on my credit reports ( XXXX and XXXX XXXX to be removed. Moreover, it should be noted, the frequency of these credit applications being submitted reflects identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-26
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Use the western union services fairly often for small transfer. Cancelled a transfer ( {$260.00} plus {$6.00} fee ) within five minutes or less on XXXX XXXX, 2015. Was told money would be credited back to my XXXX XXXX within 5 days. On XXXX XXXX called regarding credit to XXXX and when they said nothing had been credited I called WU. They told me it was still being processed. XXXX told me best to file disputed. On XXXX XXXX called WU again because I was no longer able to wire transfer online but given message to go to agent. Since I live XXXX miles from nearest agent and probably sent XXXX previous online transfer that is totally unacceptable. Called yesterday and they said everything would be taken care of immediately and no reason I could n't use online services. 
Tried again to go online and WU has poor timing in sending me a customer survey. 
Here is what I summarized ; Called regarding my refund status on cancelled transfer from28 days ago. Was told it would be refunded that same day yesterday but XXXX has not received any notice. In addition I asked why I could not send online transfer anymore and yd to go to agent. They said there is no problem but 24 hours later XXXX XXXX has received nothing and I am still unable to do wire transfers. Seems like retaliation for my complaint. 

Thanks, XXXXSent from my iPhoneSent from my iPhone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
My son was involved in a motor vehicle accident involving a XXXX XXXX which I co-own. My son was taken to the hospital and the vehicle taken to a tow yard. Shortly after, during XXXX  period my XXXX  and XXXX got XXXX. In the meantime, XXXX got XXXX  and shortly after my XXXX was XXXX  and out of work. This was also causing delays in us being able to handle any business. I was out of work for two months, my son was out of work for five months. I requested a deferment on the payment after making the XXXX payment, this was approved by Hyundai up to XXXX. In the meantime, the vehicle sat in the tow yard waiting to be resolved by insurance. I was notified by the tow yard that Hyundai 's appraiser stopped by to look at the vehicle, and they advised them they were abandoning the vehicle and had no interest in removing the vehicle but Hyundai never advised us of this. Hyundai never notified me of such action or their intent. As the days accrued at the tow yard, my drivers license was being jeopardized by the tow company which placed a lean on my license. At that moment I removed the vehicle from the tow yard. Hyundai never notified us of their intentions prior to the CHARGE OFF. I came to find this out through an alert in the credit reporting where it stated that the account was in charge off due to natural disaster and also stated that we were late on our payments. I immediately contacted Hyundai for clarification. At which point they notified me that they no longer had interest in the vehicle and that the vehicle was placed in charge off due to lack of payment. I tried to explain to them that the last payment was XX/XX/XXXX and they charged the vehicle off 10 days later. How could this information be correct? They never offered me true clarification to this matter. When we attempted to call Hyundai they initially advised my son that they would settle the debt for {$6400.00}. They later advised him that they would settle but never give us the title. We were continuously calling Hyundai, they were refusing to give us a payoff in writing and were verbally giving us different amounts from $ XXXX {$11000.00} every time we would call. They charged off the vehicle onXX/XX/XXXX, 10 days after a payment was made. My son and I asked many times to receive a phone call from supervisors and no one ever returned the call. 
I am requesting that HYUNDAI retract the delinquent reporting and the charge-off status from XX/XX/XXXX thru now in all three credit bureaus. Hyundai violated the FCRA by not giving me an opportunity to satisfy the debt prior to the reporting and no notices were sent until I saw the miss reporting information on 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