BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: Army and Air Force Exchange Service
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MILITARY STAR XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2022-01-04
Company: MiraMed Revenue Group LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While reviewing my credit profile I found a paid collection from this company. I have never heard from this company and have not had any communications with this company. I was not given any information regarding this debt. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: Information belongs to someone else

Complaint:
I was at XXXX XXXX  today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX # A XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: ACS Education Services
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a private student loan with ACS-Education. I submitted an Economic Hardship Forbearance/Deferment on XXXX XXXX 2016 because of a drastic change in my economic circumstances and inability to make the normal payments I have made for the last 5+ years. I was told it would take 7-10 days. Since then, I have received once inconsistent email after another telling me different things. I have not received a formal reply regarding my request. On XXXX XXXX, I had to call 3 times and got 3 different answers regarding the status of this request! In addition, I asked to see a written copy of the terms and conditions of any formal forbearance request and I was told, astonishingly, that they have no written agreements! How is it possible that an organization can exist and operate as a business with such unethical business practices and violating a consumer/borrower 's rights to agree to terms and conditions AFTER reviewing them in writing instead of verbal, over the phone agreements!? ACS-Education has refused to work with me for a more long term solution to my economic hardship and student loan debt burden. ACS Education has refused to be transparent in their procedures regarding my requests and they have failed to deal with the requests and enquiries in a timely manner or even to have proper writtent forms, agreement and procedures to ensure transparency and consistency. As such, they are in violation of my rights as a borrower and, I believe, engaging in highly inconsistent and unethical business practices, especially in terms of servicing my loan. To date, they have not processed my Economic Hardship Forbearance request for the maximum of at least 31 months to allow me time to deal with my drastic change in circumstances, especially considering that I have made consistent monthly payments over and above what was due for over 5 yeas now. I need CFPB to intervene and help resolve this matter immediately! Please help me! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: BlueChip Financial
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This company tried to charge me a usury interest rate of over 800 % which is illegal in the USA ... I have received a demand letter from a attorney located at XXXX saying that I owe them {$1500.00} I know nothing about this activity and this unlicensed company is trying to get them to collect an illegal usury interest rate account. 
This company does not have a license to conduct this type of activity in the state of California per the Ca. Department of business oversight ... I am also filing a complaint with the California bar association against XXXX XXXX XXXX for violating the Canons of ethics. because this claim that he is trying to collect is unauthorized and illegal.

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 2020-04-11
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following account be verified or removed immediately. Collection Agency : Caine & Weiner Company Original Creditor : XXXX  XXXX  Balance : {$160.00} I requested that Caine & Weiner Company USA provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay Provide me with copies of any papers that show what you say I owe Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent. 

Answers to these questions were requested also : Who is the current owner of this alleged debt? 
Who is the original creditor for this alleged debt? 
If XXXX XXXX XXXX is the current owner, when was it purchased? 
Who was it purchased from? 
Have you assigned the alleged debt to another entity for collection? 
If so, to whom was it assigned and when? 
Have you sold or otherwise transferred this alleged debt. 
If so, to whom was it sold and when? 

In my XXXX letter to Caine & Weiner I requested that they provide the statements and documentary evidence for validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE THOMAS AGENCY INC 5XX XXXX JUST XX/XX/2015 {$470.00} {$470.00} XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Bread Financial Holdings, Inc.
State: TN
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:
I am a XXXX  service member and I am currently trying to get approved for a home loan. It has been put on hold due to some information that XXXXComenity Bank sent to the credit bureau. I have been a loyal customer & made sure to make my payments on time. I have not fallen into collections at any time. I paid my credit card bill & the company reported to a credit bureau that I had not made the payments for XXXX of 2020. I have proof that I was not late or behind. In fact, the account is at a {$0.00} balance out of {$5500.00}. I did not serve my country for this to interfere with me getting a home for my family and I. I have asked a customer service representative if there was a way that the company could help & the representative told me no. I just really want this taken care of. I will be submitting bank account information with dates & amounts in the attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: MS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Well first off i have a rushcard. I understand they r having ptoblems but when i cant get to my money its a big problem. I noticed that my card that had got stollen months ago was the card on file. And thats where my direct doposit went. Then today i checked it and XXXX is missing. every time i call someone is hanging up on me or acting like its not an issue and its not for them but a big one for me. I have bills and now i have late fees on bills.i also have a fine i have to pay and a child to take care of. I dont have gas and i dont have family to borrow from. Its just sad because i am stressing badly and the company does not care that my money is missing they think by saying its safe iits ok dont think that it is unless i have it. I work hard for it. Is there anything i can do my landlord thinks im full of XXXX and just dont have it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a notice from B of A regarding an escrow refund of {$3000.00} for escrow funds in my account. I immediately felt it was an error on the banks ' part and contacted them on XX/XX/XXXX and the service rep created a ticket to start an investigation ( ticket # XXXX ) and said call back on XX/XX/XXXX to find out the response. 

XX/XX/XXXX I call XXXX they said they couldn't reach XXXX XXXX , OH Tax dept. to see if my taxes were paid and if this was my money or if I needed to send it back to them. The said call back XX/XX/XXXX for a resolution. 

XX/XX/XXXX I call XXXXXXXX XXXX was on hold until XXXX they said they made an error and needed to verify one more thing with XXXX  who handles their tax information gathering and for me to call back XX/XX/XXXX for final resolution. 

XX/XX/XXXX I call XXXX was told to deposit the check into my account and then call back on XX/XX/XXXX to make an escrow deposit and ask them to rerun my escrow analysis. 

XX/XX/XXXX I call back XXXX and as instructed paid over the phone the refund I was erroneously given to replenish my escrow account. After they ran my analysis I was disputing with the rep my payment info because the math wasn't right. She said she would send me a statement to review. 

XX/XX/XXXX I receive the statement and my house payment was increased {$300.00} per month!! I went thru the report sent and seen a few errors that need corrected. One B of A recalculated my annual property taxes wrong. Per the county ( see attached ) my taxes are {$3100.00} per half which equals {$6200.00} per yr. They have {$9600.00} which is why they raised my payment so much. So that needs fixed. Second error is they passed on to me a {$310.00} tax penalty from the county that I shouldn't be responsible for due to the bank 's error. They have always paid the 1st half taxes of the previous yr in XXXX and the second half taxes in XXXX as property taxes are always in arears. 

I have had my loan with B of A since XX/XX/XXXX and have not had any problems. I pay like clock work every month. During this whole process I was told on multiple occasions someone reach out to me and they never did. I had to do all the leg work. Further more if I didn't take time to investigate and actually spent this money based on their faulty information I would have some serious tax issues later in the year when the county billed them for the taxes due.

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 2016-03-29
Company: NRA Group, LLC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a copy of my credit report, and that is when I notice the collection account for National Recovery Agency. I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Home Servicing LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Had a terrible experience working with XXXX XXXX at Home Services Lending. He forwarded a rate lock agreement for 4.5 % that my husband and I signed. Two days later, he stated that he would not honor the interest rate of 4.5 % because his computer erroneously put in the rate. Instead, he advised that our rate was 4.75 %. When I escalated this issue to XXXX 's superior - XXXX XXXX, she also suggested an error in the computer generated agreement. However, regardless of any such error, XXXX XXXX signed the rate lock agreement for 4.5 % prior to forwarding it to my husband and I to sign. Despite this fact, neither XXXX nor XXXX agreed to honor the rate, and my husband and I were forced to close on our house at a rate of 4.75 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Early Warning Services, LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Already a month ago, I tried to purchase 2 XXXX on XXXX. The seller told me to make the transaction throw Zelle. I sent XXXX dollars in 2 different transactions. One throw XXXX XXXX and one from XXXX XXXX. The seller sent me a package but they were empty with no phones insde. I already contacted the 2 differnet banks but they have not be able to do much more for me. 

I alrdeay filled a report to XXXX police and one to FBI for fraud and scam. What I can not understand is how this people who scammed still are scamming other customers using zelle. And zelle do not take actions on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit on a free website called   XXXX   XXXX   and i noticed a some negative collection agencies i know nothing about ... Tried contacting agency but so far i havent been able to reach anyone to fix this the issue ...     I have been trying to apply for a bank account and start my credit but since the negative account are on there i have being denied credit ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: NRA Group, LLC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/XXXX I had my bureau information pulled to complete a motorcycle loan. They informed me of a collection account that was added to my XXXX bureau XX/XX/XXXX. On Monday XXXX/XXXX/XXXX I pulled my Free Credit bureau from XXXX and noted that I did have a new unpaid collection from XX/XX/XXXX on my bureau from National Recovery. I needed to get this collection account removed in order to get the best rate on my motorcycle loan. I called the number listed on the collection and they were not able to find a collection in my name. They informed me to contact XXXX to obtain the full account number. I contacted XXXX and entered a formal dispute for this item and indicated I had not received any written notice and I obtained my account number. I called back to the National Recovery unit and offered to pay the collection if they could immediately send me confirmation via Fax or Email that I had paid the debt. They indicated they would not be able to send me confirmation of debt payment immediately and I would instead need to send them a self-addressed stamped envelope to receive a receipt of payment. My account number for the collection was XXXX and my confirmation of payment is XXXX. These practices cause consumer harm. Not having received written notice does not give the consumer the opportunity to dispute a collection prior to it showing up on a credit bureau and then not allowing customers to immediate proof of payment on a collection can result in them having a higher interest rate on loans. A consumer has the most rights to their own information and with today 's technology collection agencies should be required to provide an immediate receipt to customers. National Recovery should be investigated for violations of the Fair Credit Reporting Act for not sending out a written notice prior to entering a collection account on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
State: NY
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 had previously submitted a complaint to XXXX XXXX in regards to them reporting that I was late in that account. Due to corona virus Pandemic my job laid me off. I arranged with XXXX XXXX an agreement for 3 months and was told entering into this agreement they will not report my account as late. They did and my score dropped almost 90 points. I am now uploading the letter they sent me to show proof that this was not to be reported.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2016-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( 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 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
After 3 requests sent certified mail with electronic delivery confirmation Transunion is still reporting the same inaccurate information. They send back a statement that says it has been verified even after 2 requests for method of validation and who they spoke with. I have requested they delete the trade line due to their lack of verification or proof that this is in fact my debt at all. I do not understand how they can accurately report information that they do not have.

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