BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-09
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Is constantly calling my employer and is calling me and threatened I will loose my job if I do n't pay

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I sent a validation of debt to Central Financial Control on XXXX XXXX XXXX. In that letter I have asked the company to provide the HIPPA release form with my signature to protect privacy and medical records from a third party. They have failed to provide this information to me. 
I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible .Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. 

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you. I will await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX Account # XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Bank of America has gravely discriminated against me, delaying Loan Modification for 4 consecutive years. The employees at Bank of America were caught on recording denying the modification based on XXXX and demographics. This unethical and unlawful behavior created a long battle to getting the modification that I was very much qualified for and finally XXXX 2015, the modification was completed. My credit is n't destroyed because of my negligence but because of Bank of America, constant violation of Unfair, Deceptive, or Abusive Acts or Practices and Fair Credit Report Act. I want my Credit to be completely reflecting in good standing with Bank of America. I want ALL delinquencies removed from my credit report immediately. 

On XXXX XXXX, 2015 I met with XXXX in person at Bank of America, and he ensured me this would be repaired, on XXXX XXXX, 2015, I forward over the dispute letter regarding my Credit being corrected and not reflecting any delinquency rating at all from Bank of America. XXXX XXXX received the letter and stating he was working on it. I have called Bank of America thereafter to inquire about my credit, but to receive rude, disrespectful employees and no end results. The law requires my credit to be corrected, if no response from the credit regarding the matter within 30 days. It has been since XXXX XXXX, 2015 my credit is still damage and they are in complete violations of the FDCPA. 

Moreover, they are charging addition fees that they are not entitled too. Recently, received notification, Bank of America, added in {$8000.00}, forecloses fees stating they maintained my property landscaping, utilities and more. The refused to remove those fees, and has started billing despite the evidence I have to show, I maintained my own property that I reside in and paid my own utilities bills. This is fraud/theft by deception. 

I want my credit completely corrected as it relates to my loan number XXXX and I want the extra fees Bank of America has added to my loan removed or I will be suing the company. I refused to speak with them any further, as they added to my health issues but constantly upsetting me. The only way I will speak with Bank of America and that is the CEO himself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance after falling behind on my mortgage due to unemployment. I have hired an attorney to help me with the process. The attorney 's in house underwriter states I qualify for a regular XXXX modification. Bank of America now states I do not qualify for a regular modification due to XXXX / Investor non-approval. I have not received any denial letters or explanations. We believe there may be an error in some of the information the investor is using to make this determination such as the value of the property or similar. Bank of America has also started foreclosure by filing a Notice of Default on XXXX XXXX, 2015. They did not review me in a timely manner that last time I applied for assistance. They stalled and took 76 days to review me. This is after they filed the Notice of Default against me, thereby burning all of my time waiting for them. Per my attorney, this is wrong and I believe illegal as it violates Respa Reg X- Regarding timelines for reviewing someone for foreclosure assistance, especially after a Notice of Default is filed. I am told they were supposed to review me within 30 days of having a complete package. They received my complete financial package on XXXX XXXX, 2015. My attorney confirmed they received the package and that it was complete on XXXX XXXX, 2015. However, they did not make a decision until XXXX XXXX, 2015. I have attached notes from my attorney 's calls to the lender. You can see they did not review me in a timely manner. It feels like they stalled on purpose and then intentionally denied me solely to reach the 90 day mark where they can now set a sale date and I have run out of time to save my house. They give no reason for the denial and now they have burned all my time to be able to correct what ever errors they made while reviewing me to save my home. I am told by my attorney that the timelines set by RESPA Reg x to review someone for loss mitigation assistance within 30 days of submitting a complete financial package were set up this way because lenders were stalling and then just setting sale dates. I fear this is my case. Bank of America seems to have burned two and a half months sitting on my application. This is after foreclosure was started and my timeline to a sale date is also running out. They are not not giving me the reason for my denial and as of XXXX XXXX, they can now set a sale date leaving me no time to figure out how to save my home. Attached you will find notes from my attorney 's office proving Bank of America sat on my loan modification request and has burned my time since my Notice of Default putting me into a bad situation now facing a Notice of Sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor their agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.

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 2015-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Ive attempted to file an online dispute with Transunion several times, their site keeps showing a previous dispute which is already resolved/closed when I attempt a new one. It wo n't let me file an additional dispute about other items, account balances are incorrect. I pay a monthly membership for their site and should be able to file online disputes as part of paid membership

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Hello, my name is XXXX XXXX. Beginning around XXXX till around the middle XXXX was having a serious of mail theft on and off which had gone unnoticed by my family until creditors began to contact us regarding late payments and overdue statements. We promptly contacted the Police and the USPS and filed complaints and criminal reports and promptly paid off all overdue accounts and supplied the creditors all with our Police Report number given to us by the USPS XXXX XXXX. This case is filed under XXXX XXXX. The XXXX and only creditor which has been giving me a hard time and refusing to refund my fees and correct the late reporting on my credit reports is CHASE. Even the initial representative informed me that in the case of mail theft all fees would be reversed and all late reporting would be changed to current and on time. They are refusing to reverse some fees that had incurred last year from XXXX till about XXXX and the refuse to correct the delinquent past due status from my XXXX and XXXX credit reports from 2015. This is not fair an every unprofessional. I feel like I went through XXXX and back since last year and Chase is not complying with state and company laws and understanding that we were not receiving statements and payment were being mad blindly at the branch according to what the tellers were saying to us. I am very traditional and can not access online statements an such without my children and they are away at college and this company made me feel so distressed and I was in disbelief at how every time i escalated this situation i was being shot down and told NO. I am a great customer, I have never had missed payments before this unfortunate incident. I bank and save with Chase and i was paled at their lack of graciousness or professionalism. Many many times they made me cry and yet they had no heart or curtesy to correct that which was in their jurisdiction to correct. I would like an investigation into their REFUSAL to follow the law and their own optics and even the states policy on mail theft and creditors. I have attached my apology letter that the USPS informed me to give to Chase and all of my other creditors and i gave attached it to this complaint along with my ID and Social Security number. This letter contains my postal police 's case number on it. Which can help verify my situation. Please force this awful and aggressive company to follow the law and not treat its own customers like suspects and understand that things happen and they are responsible to help customers not hurt them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I SENT IN MY DISPUTE WITH EQUIFAX TO UPDATE PHONE NUMBER AND NOTIFY MY CREDITORS. THEY STILL HAVENT DONE THIS BUT MY DISPUTE SAYS IT WAS APPROVED AND LISTED IN STATUS AS COMPLETED. MY CREDITORS STILL CAN NOT VERIFY ME THROUGH MY PHONE NUMBER AND WHEN EQUIFAX UPDATED IT ON THE CONFORMATION PAGE THEY DID NOT ENTER THE AREA CODE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has lost an automated payment made to my student loan account, and refuses to correct the situation. My bank has provided Navient with documentation showing the payment was made yet the issue is still not resolved a month after the lost payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: AFNI INC.
State: GA
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:
On XXXX XXXX agent XXXX from Afni collection agency called us and tried to collect money, we told him that we dont want them to contact us by phone or mail because we are in no dept and the has is in dispute, this keep badgering us about we should pay them money, my wife told him that we are disputing this dept he still insist with the credit bureau we hang up the phone, my wife then check with the credit bureau 's and at that time she realize that this credit agency made report to the XXXX bureau 's within fifteen minutes of the conversation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I moved from my apt in XXXX XXXX. I called Comed to cancel service to what they told me to wait for my final bill which never came. I have not received any bills and once i finally received that letter in the mail ( 2 days ago ) it said I had 30 days to dispute the validity of the debt ( needless to say I had no idea Comed sent me to collections until I got the letter and saw in my credit report ) I tried to settle and explained to both collection agency and comed that I will pay for the bill but I didnt pay an XXXX bill because I simply never received it. I do not know why I also explained I live in a rental property so the landlord might have taken the mail, I got ONE letter no phone calls no voicemails nothing and now I am trying to settle, pay them the XXXX bucks but they refuse to remove the debt from collections they were despreciative both credit collection and comed only because I am a XXXX woman with an accent they are XXXX and have no compassion please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
L J Ross will not stop calling me. They called me countless times during work and I am unable to pick up. Every time I called them back, they said my number is not in their system and I do not have an account and their IT department would resolve this issue. I finally sent a cease and desist via certified mail and still continue to receive calls. I am now pursuing civil action against them for their numerous violations against the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Financial Corporation of America
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Brief description, This is for a medical bill for {$100.00}. I 've been XXXX three times in the last 12 months, and this is XXXX of XXXX bills left that I have been tackling. My accounts were sold to a collection agency for my deductible portions before I even recovered. This Financial Corp of America, called my brother 's home number, XXXX towns away with a different last name, and left a message for me on his family 's machine saying it was from a debt collector for ME giving my name. I called them back and asked how they got his number and they said it was listed as an emergency contact in my medical records. I would like to know how a medical collection agency has access to my medical records if this is in fact how they got his number. My brother is not listed on anything, anywhere. They also confirmed that they do have my correct address and phone number so there was no reason to call my family other than pure harassment. My family has been worried about me enough over 12 months, letting them know I have debt as well as a result of being sick is is more for them to worry about. I 'm beyond upset over this. My brother has the recorded call and the agency has my recorded call when I called on XX/XX/XXXX at XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Professional Recovery Management
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was XXXX, and was referred to XXXX. I informed the Physician, and every Assistant I did not want the treatment and did not feel I needed it. I was told by the XXXX and Assistants they wanted to fit me for their equipment if I decided to change my mind. I got absolutely got no service from this company. They are effecting my livelihood by reporting negative incorrect information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Some one from XXXX XXXX keeps calling my work phone number and hanging up. I spoke to a rep once and informed that the person they are trying to reach no longer works here. They call every other day and hang up as soon as i answer the call.

Company response to consumer: Closed