BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently  applied for a home loan and was denied because of my credit. When I looked at my credit I discovered that AMCA was reporting a medical debt collection that I knew nothing about. I tried to call them but they would not discuss anything except how I was supposed to pay them. They have never attempted to validate this debt. I have not ever received any correspondence from them and I have not moved or had any disruption in my mail service. My insurance company should have paid this bill if it truly has anything to do with me ( wh  ich I do n't believe it does ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Midwest Loan Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Midwest Loan Services about my credit report. The reported status of my loan is incorrect. For one, l filed bankruptcy and the loan was never reaffirmed. So why is it still bring reported when they had previously halted reporting my credit to the credit bureaus. Then secondly, l was on forbearance and my payment was not due for the reported late payments reported to XXXX. I called last week about this and l am appalled at MLS because they are purposely doing this as l keep having problems which is ongoing. I want this corrected and my loan was not reaffirmed after my XXXX XXXX bankruptcy. They are in the wrong and l want this fixed. My credit already negative due to the bankruptcy and lm trying to rebound. Yet, MLS is not helping my situation as they are reporting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: MO
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:
XXXX  and Exquifax are reporting my Credit Score as XXXX and it should be 640. The reason for this error is they Dicriminate again XXXX Americans. If I was XXXX my Credit Score would be XXXX with the same information. XXXX  and Exquifax are used by XXXX XXXX  Companies to Discriminate against XXXX Americans. I want a Full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, I was previously a client of  XXXX   XXXX   XXXX . They had provided me with exceptional service and had great products. I was charged a ridiculous amount of money   ( {$2200.00} ) in long distance calls, I never made. I attempted on numerous occasions to have them review this, I asked them if a copy of my passport of proof of residence was needed to clarify this matter. They advised I would receive a letter in the mail explaining my options and thanked me for been a loyal client.
Later I received several calls from DIVERSIFIED CONSULTANTS INC  , a collections company. They made numerous calls at all hours and many more after I advised them to please not contact me during working hours. They advised this would ruin my credit, specially after I mentioned I was in the process of buying a home. I asked them to please help me cure the issue, since  XXXX   XXXX   XXXX  never helped me, clear a debt, for calls I never made out of the  U.S. DIVERSIFIED CONSULTANTS INC  advised they would help me, but I had to pay {$1200.00} and they would clear this issue. This was not fair, but I needed to make any and all attempts at saving my credit history. I made the payment against my own will, and they advised it would not be reported, nor will it affect my credit history. I complied with their unfair and devious collections tactics, in an attempt to save my credit.     I ask you please help me remove this account from DIVERSIFIED CONSULTANTS  INC  /  XXXX   XXXX   XXXX  ( Act #  XXXX  - Agency Ref #  XXXX  ) from my credit reports.     I thank you in advance for your consideration and help resolving this damaging and unfair act from  XXXX   XXXX   XXXX  and  Diversified Consultants Inc  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: Professional Claims Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son who was  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2016  saw his doctor at  XXXX   XXXX   XXXX . He has insurance through his step-mother 's plan. I did pay his co-pay of {$15.00} when he received a bill for that. However, I got a bill in my name for {$220.00} and could n't get an explanation of why he would even owe this money. I have no idea why this bill is in my name as my son is n't on my insurance and is an adult. They sent it to a collection age ncy, Professional Claims Bureau,  in  XXXX , NY. I have repeatedly told them this debt should not be in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: AmeriCollect
State: DE
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:
XXXX  Unfortunately after the results of an investigation into HIPAA violations, XXXX  continues to report these violations on my credit report. AMERICOLLECT, the company in violation has placed the burden of correcting and updating my credit report squarely on XXXX. I am including in this complaint, AMERICOLLECT 'S first response to my request ( validation ) which shows their clear HIPAA violation as well as their attempt at placing responsibility on XXXX. I am also including a copy of a letter that will be sent via certified mail as I am documenting my case without error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Monday,  XXXX   XXXX ,  XXXX , I was contacted by  Discover Student Loans a bout a loan that had originally be taken out with  XXXX  in  XXXX . The loan was sold t o Discover a few  years back. The customer service who contacted me identified that she was calling with the co-signer,  XXXX   XXXX , on the other line and wished to patch him in. I did not want to speak with her because I was very surprised by the phone call. I said that it was not a good time, she repeated that the co-signer,  XXXX   XXXX , was on the other line. I hung up at this point.  XXXX   XXXX  is not the co-signer for this loan, this loan does not have a co-signer. I was older than  XXXX   XXXX   XXXX  and did not require a co-signer for this student loan.  XXXX   XXXX  ' name is not on the  XXXX  for this loan. Discover has my home address, my cell phone number and my email address, they need not contact a third party to try and contact me. The representative also misidentified  XXXX   XXXX  as a co-signer. This is deceptive, the representative lied to me and to  XXXX   XXXX  who is aged and was rightfully very upset and confused by the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2017-04-26
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In reference to the complain (  XXXX  ) already submitted. The company, Perfection Collection, respond that I agree to pay  XXXX  $ monthly for a total amount of  XXXX   XXXX  That is true if they will respond regarding the debt validation, before start any kind of agreement with this kind of people I want to see everything. I already request by certified mail and by e-mail 3 times directly to  XXXX   XXXX   XXXX  but I have not receive any answer. So for me complain is still open.   Attached is the letter that I sent and at this  letter I appreciate one answer,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 Someone fraudulenty opened a Citi card in my name. Trying to get the correct Citi card support number to call is frustrating at best. First thing they want me to enter into the phone is my SS #. NO!! No option for fraud just enter the card number ( that I don't have ) or SS # in order to talk somebody overseas. Right off the bat I don't think they are legit. Who knows if I called the right number there are dozens of them online. Finally got the card closed by hanging up on the first person who insisted I give my SS #. The second time I called I got someone who spoke English and finally closed the account without asking for all the info they should already have and assured me I would receive a report stating it was closed along with a survey. I then filed a report with the FTC and now here. I also opened a free online credit monitoring account with XXXX. I don't know what else to do. Credit card companies need to stop asking for SS # to identify me and provide an opening option to report fraud. I am not going to give the guy from XXXX all the info that was just used to fraudulently open a credit card in my name a second time. I just had to provide that info through prompts on the phone to get to him. Finding the support number to report fraud should easier to find online then it is. One number!!!! Not 12 different ones!!

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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have been fighting with the  XXXX , Transunion and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of th  e ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money   is owed.

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 2017-04-26
Company: Experian Information Solutions Inc.
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:
I have been fighting with the  XXXX ,  XXXX  and Experian to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of t  he ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that thi  s money is owed.

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 2022-02-01
Company: Solar Mosaic LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I signed a financing agreement with Mosaic funding the installation for a door and window for {$8100.00} with XXXX by XXXX. I signed the agreement on XX/XX/XXXX and XXXX percent ( {$2400.00} ) of the loan balance was transfer to XXXX  by XXXX, located at XXXX XXXX XXXX XXXX XXXX, IL XXXX on XX/XX/XXXX. I was told before I signed the loan papers that I would have XXXX months of interest free payment to repay the loan after installation. Today is XX/XX/XXXX and I have not received the window and door that I contracted for. Mosaic started taking funds out of my account on XX/XX/XXXX, even though I have not received the door and window. It was unclear to me that the interest free period began the day after signing the document, even though I had not received any consideration for the door and window not being received and installed. Mosaic is still requiring me to repay the loan despite receiving nothing. I think it is unreasonable and consumer fraud to require someone to make payment on something they have not received. Second the agreement with Mosaic and XXXX by XXXX agreement has a material affect on my agreement with Mosaic however I would not made aware that XXXX would receive XXXX percent the loan amount the next day after signing the agreement with Mosaic, and the interest free period would begin the day I signed the agreement without any work being performed. I feel it is an injustice for payment to be required on XX/XX/XXXX when no work has been completed. To make matters worst, Mosaic sent my account to a collection agency two weeks have the XX/XX/XXXX payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I never applied for it.

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 2019-12-12
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019. There was an allocation of funds in the amount of XXXX from my XXXX card into my bank. The routing number was NOT to my bank. I have contacted the bank in which the way2go website reflected has having received the payment. They advised the payment was rejected and sent back. I have tried multiple times to contact the way2go program card with no luck to find out where the money is currently sitting. I am unable to get in touch with a representative to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was looking to sell my dining table which I posted on XXXX. I was contacted by the buyer looking to do the transaction. She had some odd buying instructions but I didn't think too much about because it seemed like she was buying a few items too be shipped together by a moving company. She sent me a cashier 's check for {$1900.00} which she told me a part was for me to pay the movers. This was deposited on XX/XX/2019. I did think this was odd but the cashier 's check cleared quickly. To pay the movers, {$1600.00}, she asked to use XXXX pay through my Chase bank on XX/XX/2019. It was weird but this didn't set off any alarms for me as I believed Chase would compensate if anything were to happen. Little did I know, this was not the case as in their words, " I made the transaction on my end, and accepted it. " SO both XXXX and Chase will do nothing to help in recovering the money or protect me from the scam. The cashier check then got returned XX/XX/2019 which is why I am writing this as i thought this was odd and went to go deal with this today at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The  Huntington  Bank bill pay recorded a payment to our condo association of {$220.00} on  XXXX   XXXX ,   XXXX  . They tell me they sent a check that was never cashed. Apparently that is the extent of their responsibility to me as they stated they are not responsible for the late fee we have incurred or so I was informed by a CSR supervisor this evening,  XXXX .     But what really concerns me is that on that date they wash the funds from our checking account into a  Huntington Bank account and debit my account that time. It is now nearly 24 days later and the money is gone from my account but still resides in the Huntington bank account where I assume they accrue additional float on the funds not available to me. Prior to Huntington  bank purchasing  XXXX   XXXX , the  XXXX  bill pay sent checks from our account and did not record the payment until the check was cashed thus providing us the ability to know that a check was not cashed in a timely fashion and to inquire as to why.     They tell me I agreed to this process in the transition from  XXXX  to  Huntington  as it was likely in the " fine print ''.     I am certain what they do is quite legal if not moral. Our monies are our monies until a creditor decides to cash a check we have sent time or that the bank, through its bill pay service, sends them.     Shame on you Huntington.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello - Myself a single mom protecting her family from a violent case of domestic  XXXX , if this debt collector has any knowledge of the law when they see - I was awarded full and sole custody of my children, they should understand.     In   XXXX   thought it was all over and we finally safe, unfortunately this was not the case - I again had to make the choice to use all my funds to re locate my family.     As I have stated many times to this debt collector no one will rent to me with this reported collection on my report. This debt collector  Midland Credit Management , Inc. reque sting proof of my hardship. Attached is proof of my hardship all white outs are to protect my children.

Company response to consumer: Closed with non-monetary relief