BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was XXXX it was removed from my XXXX XXXX and XXXX  credit reports and Ive sent supporting documents showing the removal of this account from my credit report and it was still not removed from my report hurting my score each day that this collection is on my credit report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Bay Equity LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I signed closing paperwork to refinance my mortgage on XX/XX/2020 with my first payment being due on XX/XX/2020 through Bay Equity LLC. ON XX/XX/2020 I mailed out my first payment with coupon that was in my closing paperwork to the Bay Equity address listed. The check cleared my bank account on XX/XX/2020 in the amount of {$2200.00}. On XX/XX/2020 I received a statement from XXXX XXXX saying they now service my loan and first payment is due. I called XXXX and was told no payment from Bay Equity was ever forwarded to them. I then received a letter on XX/XX/2020 from Bay Equity dated XX/XX/2020 and postmarked XX/XX/2020 stating the loan will now be serviced through XXXX. I called the number immediately and spoke to XXXX XXXX ( Bay Equity ) at XXXX EST and told there was no payment showing in their system and he wouls look into and get back to me in the am. I then left voice mail for XXXX the next day XXXX XX/XX/2020 XXXX at XXXX XXXX with no call back. On XX/XX/2020 at XXXX ESTI finally reached XXXX and told no check was ever received per the accounting department. XXXX also informed me that his manager would look into and for me to email a copy of canceled check which I complied immediately after conversation. I then contacted XXXX XXXX from my local Bay Equity via email ( XXXX ) who is also looking into lost payment. Then on XX/XX/2020 at XXXX XXXX finally responded back to me and said " Yes the funds have been located and I am working with management to have these funds wired to your new servicer before the end of the day ''. As of today XX/XX/2020 XXXX EST funds still have not showed up in new account. I had to make another payment on XX/XX/2020 for {$2200.00} in order not to go in default since the grace period was over on XXXX. 
I can forward all emails if needed. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Consumer Asset Management (Texas)
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
keep getting phones calls and they change numbers all the time,. XXXX, this is not a solicitation call this is the final attempt to offer you an opportunity to prevent court filing a tax you name if you like to speak to one of representative to discuss your case please call. 

please make them stop, call all the time and call family and work. and tell them about it. I am stressing about this and it is embossing. Said I owe XXXX XXXX money and I called them and i do not.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-05-21
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed a collection that is being reported by Credit services. This collector unlawfully increased the amount of a medical debt with punitive fees and interest charges. Credit Service responded with a response ( which I have included the entire response in the attachments ) that " Your accounts are showing a current balance due of {$3700.00}, which includes an accrual of interest. '' I have also included the documents they provided which show an original amount of {$2600.00}. Which I was charged the It is unlawful to add over {$1100.00} in interest and fees to a MEDICAL bill to which they still have not provided me any proof that I legally owe them this money. The original documents from the original provider does not include any interest or fees, nor does it state that I am responsible to pay Credit Service, nor did they provide me with a signed HIPAA release form. Which now they have violated over XXXX FCRALaws, FDCPA and HIPAA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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

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 2016-06-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I contacted Navinet to gain advisement for the repayment options of the current standing of my loan. I have made my payments faithfully since the original date of XXXX XXXX. Please note my intention is only to resolve my debts. 

My last payment of XXXX was made on XXXX XXXX XXXX. Shortly before that payment was automatically withdrawn I was contacted stating that my loan amount would be increased to 2 % which is beyond what I can afford at this time. 

I was told it was the only option I had and therefore no payment has been set up for XX/XX/XXXX or XXXX XXXX. 

During my call to try to resolve this matter, a supervisior proceed to question " what am I doing to change my situation '' asking have I considered getting another job or a Roommate which left me feeling very challenged as a responsible individual only wishing to gain a resolution to my dilemma. I currently work for the XXXX XXXX XXXX as a XXXX beyond my contracted hours daily at a minimum of 10 hours per day to receive overtime to make a living and to satisfy my living expenses. One would presume that years of service would entitle them to financial increase year to year, however in my case that has not happened yet. I felt that the supervisors questions were very inappropriate given the information I had just given him regarding my current situation. 

Ultimately was simply reaching out to gain some support to address this matter. I asvised them I am able to continue on the 1 % repayment program totaling into {$210.00} per month, however to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XX/XX/XXXX I went back to school to get my XXXX degree from the University XXXX. I took out {$35000.00} in astudent loan from XXXX XXXX and {$5000.00} as a Stafford loan. I started paying the loan back in XX/XX/XXXX after I graduated. Over the last 16 years I have never missed a payment - made at least the required payment each month - Often more that the required payment. For the first 8-10 years the payments went to XXXX XXXX then the loan was transferred to XXXX and three years ago it was transferred to Navient. After 16 years of paying an average of $ XXXX/month on a loan at 8.25 % I have paid over {$67000.00} and yet the statement I just received says I still owe over {$21000.00} on the personal loan and {$3300.00} on the Stafford. I do not see how this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: GA
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 following accounts has violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Complaint:
I am having a problem with Chase Card. They are reporting an account with a high balance of {$3400.00} to the Credit Bureaus. I have written them multiple time requesting evidence bearing my signature that shows I have a contractual obligation to pay this debt to Chase. The only response I received was a copy of a credit card statement, but not any evidence with my signature to validate this debt. They also have failed to report to the Credit Bureaus within 30 days of my letter that this item is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I applied online to Ally Bank for a checking account. 

I believe I was discriminated against by Aly Bank because I am an XXXX American XXXX 

I was denied the opportunity to open a checking account because of erroneous information in the Early Warning reporting system. 

I know banks have discretion because I was able to open a checking account at XXXX XXXX XXXX Bank on XX/XX/2022. XXXX XXXX XXXX Bank also received a notice from XXXX XXXX regarding my previous banking history. However, XXXX XXXX XXXXXXXX XXXX based their decision to open the checking account on my previous banking relationship. They offered me a second chance checking account that actually exceeds my needs. Perhaps XXXX XXXX should consider other product offerings including but not limited to second chance checking.

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 2022-05-21
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX my husband and I purchased an inventory new construction home from XXXX XXXX XXXX XXXX We received a letter in the mail from US Bank XX/XX/XXXX stating new mortgage terms although we never applied for a mortgage. They said they purchased the mortgage from a company called XXXX mortgage services but we never applied for a mortgage with XXXX either. As new first time homebuyers we were not aware that we were getting scammed. We have been paying US Bank $ XXXX from XXXX. Throughout this time we have been asking them how can we pull the escrow out of our home but they said we have to pay 80 % of the total cost first. When we called to ask for a verification of invoice and debt they refused to send anything and said that it will get reported to our credit if we do not pay. We also notice when we checked at the county record that our deed and title were submitted electronically to the county court office and that address that was linked to us did not even exist and they still insisted that we must pay them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Credit card
Issue: APR or interest rate

Complaint:
On XX/XX/XXXX I made a payment of {$15000.00}. It left a negative balance of - {$150.00}. On XX/XX/XXXX I received a refund from a merchant in the amount of {$29.00} which left me with a NEGATIVE balance of - {$180.00}. I made XXXX purchases on XX/XX/XXXX in the amount of {$1400.00} and {$110.00}. How can I be charged {$100.00} for interest on XX/XX/XXXX when I paid off my entire balance and had a credit??? I believe I was improperly charged interest in the amount of {$100.00}.

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 2015-06-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been enrolled back at XXXX XXXX University in the XX/XX/XXXX. Recently, i have been harassed by Navient for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Navient is now reporting to the credit bureaus that I am late. At this point, Navient needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I moved out of my apartment at XXXX XXXX XXXX XXXX in  2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX has been reporting this debt on all 3 of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called XXXX XXXX XXXX and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in 2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Coulter Dove & Harris, PC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Reference to account : XXXX I file a complaint against the company about the debt. The company is being technical stated that XXXXI did not put both account number on the complaint of the same deb tto be removed.. They only removed one account. The account number XXXX still remain on my account. The case was handle in court : I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated that XXXX XXXX sent the collection to XXXX XXXX by mistake and that they have their own collection for that agency, I should not pay this agency and they should not be on my credit report for this debt. I was told this by XXXX XXXX at XXXX XXXX that the complaint was not for both accountXXXX XXXX XXXX XXXX XXXX have file a garnishment for $ XXXXthe amount of the judgment by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Name : XXXX XXXX XXXX : XX/XX/1989 Last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Webcollex, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft on XX/XX/2022 I received a letter in the mail from XXXX XXXX concerning an account I did not open with them. This letter says that I'm being held accountable for an account I did not open. This letter basically states that an email address that was used to open the account was mine. This is not accurate. During the investigation period, no contact with me was made and any attempts made by me to call XXXX have ended with them hanging up on me. When I filed a police report and an FTC identity theft affidavit and sent the complaint, XXXX sold this account to a collection agency immediately. I received notification this account was sold to CKS Financial who is now trying to collect a debt from me I do not owe. in violation of the FCRA. as well as the fair and accurate credit transactions act. I have filed a complaint with the office of the comptroller regarding XXXXXXXX XXXX  as well. I'm at the mercy of the CFPB to step in and enforce the laws intended to protect consumers from identity theft I have exhausted all available options I'm able to do myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: First Federal Credit Control, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL 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 2015-05-19
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation