BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-25
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have attempted to speak with Central Financial Control to verify the debt on multiple occasions. They keep stating they are not receiving my attorney 's faxes with her letter of representation. I have attempted to contact them in order to verify the debt, despite the fact that they have never sent me any documentation via mail but reported debt on my credit report. Now I call and no one answers the phone number. This is extremely frustrating as I am being denied a loan due to this outstanding account. I did some research and it seems this is n't the first time this company has done this to consumers.

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 2016-08-26
Company: CITY NATIONAL BANK
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A debt collector named XXXX XXXX is using sheriffs in NJ to send me documents that he says he has filed with a court but he has not. This guy has broken the law I was told by a lawyer and is a very aggressive debt collector. The bank is in CA and I am in NJ now so I am also wondering what the rules are around that.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 explanation
Consumer complaint received 2019-02-24
Company: EQUIFAX, 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:
Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( 06-30-00 ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 20 different letters copy of my signature required service via UPS and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As  you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting lates to my account that I do not owe. I was not notified and did not even know I was on the loan, my ex wife missed the payment and I never received any notification that there was a late payment or that I was on the loan. When I did find out I paid it immediately. I should not owe these lates, they were not my fault and I paid as soon as I was aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: HONOR FINANCE, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I got a vehicle loan in  XXXX    XXXX   and recently I contact them to let them know that I was in the process of filing bankruptcy, that I am attorney represented and I provided my attorney contact information to my lender on Monday  XXXX   XXXX . Today is  XXXX   XXXX  and my lender has continued to call me despite me telling them I am represented and they need to direct all questions to my attorney. They have contacted me on the following dates and times ( usually leaving a voicemail every time ) Tuesday  XXXX   XXXX   XXXX    XXXX   XXXX   ( we spoke  for 8  minutes, where I again advised them I am attorney represented, and they told me that until my case is filed they will continue calling )  XXXX   XXXX  They called at  XXXX    XXXX   XXXX  , left a message.    XXXX   XXXX  they called at  XXXX    XXXX   XXXX  , left another message- I called them back and again advised them I am attorney represented.     I called my attorney and let them know about the calls- they advised me to log every call I get and we can potentially sue them. They are committing unfair debt collection practices and violating the Fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The credit report is showing last payment date incorrectly. The last date paid SHOULD read XXXX 2008 I was hospitalized due to a XXXX in the date that they are showing on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They do not have an email option or portal that functions to provide information and get verification. 

Their website has a consumer compliant link that is broken. I am a professional that works with clients from XXXX - XXXX in various time zones and ca n't use XXXX calls as a form of communication. I have left messages and tried their form to notify multiple times that they need to email me. They do not and will not verify what these charges are for. 

They also ask for an account number field on their website form fill and they do not have that on the statement they sent me only a record number not an account number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my mortgage with Ocwen Loan servicing since the XXXX of XXXX. They keep telling me to send in the same documents that I have sent 6 times. I will attach the documents they have requested. I emailed the documents to XXXXXXXXXXXX every time. They say they receive them them they come back and say they have n't received them. It 's a complete joke. I had {$5000.00} to make a payment and bring the loan current on XXXX XXXX 2015 and was told they wo n't except it because they needed XXXX because of fees. That is illegal. I was told to apply for a modification so I could save my XXXX and the modification would bring me current. If the modification does not go through them I am screwed. I need them to get the modification done now! They have all the document ion they need to get this done and they have XXXX copies of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have faxed Experian and XXXX XXXX the judgment that the court files were paid in full and satisfied. They are still on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of 2006, myself and my spouse were approached by XXXX XXXX to consolidate our student loans together to lower our monthly payment. These loans have been since sold to XXXX and now NelNet. In the master promissory note, it states that if we are unable to get on an income based repayment plan, that we can have our loan type changed to be able to access such a plan. This is clearly stated in the MPN. I have been denied several times now access to any IBR, and also denied turning my loan into Direct for the sake of moving to an income based repayment plan. This is a direct violation of my master promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: AR
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:
These inquiries on my credit are not correct. Please block and delete these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Upstart Holdings, Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
UPSTART STILL WILL NOT UPDATE CREDIT BUREAU THAT THIS ACCOUNT IS PAID OFF IN FULL WITH XXXX BALANCE AND ZERO PAYMENT DUE PER MONTH. 

I AM CLOSING ON A MORTGAGE LOAN ON XX/XX/2015 AND MUST BE PAID OFF OR A LOSE EARNEST MONEY. 

BUREAUS SAID THAT UPSTART CAN MANUALLY UPDATE BUREAUS REFLECTING PAID OFF STATUS WITHIN THEIR CREDIT DEPT EASILY RATHER THAN WAIT THE AUTOMATIC MONTHLY FEATURE. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This is account was deleted off my credit report and now has been reinserted. Please have Equifax remove ASAP. 
XXXX XXXX Status Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have had my identity stolen and I have had bank account opened in my name I have bank in the us XXXX XXXX and bank of America opened they say i owe them XXXX dollars and they have also opened up a XXXX dollar insurance policy on me without my consent using a private insurance company not keep on record

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 2016-03-24
Company: Aargon Agency, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from XXXX XXXX XXXX in XXXX XXXX telling me I owed {$25.00} to XXXX. I responded with a letter on XXXX/XXXX/XXXX explaining that I did not recognize this and asked that they send me a copy of the original receipt that explained what it was for. 

I received a letter back from Aargon Collection Agency with summary information from XXXX showing a {$120.00} charge back on XXXX/XXXX/XXXX for " XXXX ''. My name was not on this summary and the health information for XXXX XXXX Washington that was listed did not match my policy # or Group #. In fact, I was not insured by XXXX until XXXX/XXXX/XXXX, so this could n't have been my debt even if the policy and group numbers had been correct. 
I called and talked to XXXX at Aargon and explained that this was not my debt, that my name was not listed on the bill and the policy and group numbers did not match mine. He told me that he hears this all the time and that all indications are that this was my bill. He said that it was n't affecting my credit rating yet, but implied that if I did n't pay it, it would. When I insisted that this was n't my debt, he told me that I would need to file an Identify Theft Report with my local police department and send him the file number, then they could reference it in his file. 
None of this sounds right. I ca n't believe that they can press me to pay a bill that is in no way connected to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: CA
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:
Ive been trying to have this issue settled several times, and this has not been handled properly, I will be forced to sue if my request is not listened to. This company reported that this information was provide by XXXX XXXX and was verified. Per my attachment, that is not possible due to my consumer profile being frozen. This is a direct violation of my rights! 
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXXXXXX XXXX XXXX as is reported as having a bankruptcy on my credit report : XXXX BANKRUPTCY XXXX- XXXX I am demanding that this account be Deleted. 

You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report.

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 2019-12-19
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/2006 I opened loan Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone No : XXXX in Equifax Credit report and Reinvestigate showed " this account has not been closed '' but I spoke with XXXX XXXX ( Now XXXX XXXX ) they said this account is closed, and I do not have plastic credit card either. On report additional information says " Account Transferred or Sold ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Northstar Location Services, LLC
State: KY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This is the second time that someone from XXXX has contacted my employer at home. I told them the last time that this was my employer 's home number and that it was unacceptable for them to contact him at his home. They assured me they were going to remove the number and it would n't happen again, but it has. 

How do I fix this?

Company response to consumer: Closed
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX made a mistake. My account was never late. Yet my report still shows two 30-day delinquency payments. They submitted two letters to the credit bureaus, and each time, the letter was insufficient. XXXX XXXX has told me over the phone multiple times that it is their fault that the delinquency is shown, yet they still have not fixed the issue. It is their responsibility for messing up my credit and they need to take responsibility and be held accountable for this. They state that they can only do so much, yet this is a very serious issue. They are not doing enough and the credit bureaus are also at fault for the inability for me to talk to someone over the phone. A simple letter submission is clearly insufficient if XXXX XXXX can't clearly communicate the issue, show fault, and resolve the issue. This is unacceptable all around and needs to be remediated immediately.

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 2019-12-19
Company: Insight Management Partners, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 at XXXX we received a call from INSIGHT MANAGEMENT ( XXXX ) about a person " XXXX XXXX XXXX ''. Upon connecting to the operator, we inquired about what company was called and the operator stopped speaking and would not acknowledge anymore requests. We called back and the operator that picked up was unable to find what number they had called or the person referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a late that I should not have. I took payment into the store and paid in person, there was an error on there end and I should not have a late reporting. I have tried multiple times to get this removed with 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 2019-12-19
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dual Tracking I am writing this complaint in hopes the CFPB will investigate Ditech and their DUAL Tracking procedures. I have been trying to work with Ditech for a few years to get my mortgage back in order and situated with my my mortgage payments. Each time I submit it has always been denied for various reasons including title issues and missing documents. 
My issues now are more recent as of my last conversation with a Ditech on XX/XX/XXXX Loss Mitigation Manager XXXX Id Ext XXXX, she informed me that my file is in with Underwriting for Decision but yet the sale date is still active for XX/XX/XXXX. I pointed out that this is Dual Tracking and that by law they are not allowed to do this and requested for the sale date to be postponed allowing me time to be properly reviewed for mortgage assistance. The rep XXXX stated that unless loss mitigation approves the loan workout my home would be lost in foreclosure. Also, this is an FHA loan and FHA also has strict guidelines on Dual Tracking, again I feel Ditech is performing Negligence on my home and is in clear violation of Till, Respa and HARBOR laws. Please help stop this sale date on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation