BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is billing me for tests already paid for by my insurance company. XXXX XXXX is a tier 1 HMO provider for my insurance company. They have been paid, but continue to harass me with bills. I have no deductible or co-pay with my insurance. Now Quest Diagnostics have turned me in to a collection agency ( Credit Control , LLC of XXXX MO-Account # XXXX ), and have billed my credit card {$100.00} without my permission. I have mailed them EOB 's from my insurance company and they have been FAXED to them as well. Hours on hold with their phone support. Staff at XXXX XXXX facilities refuse to answer any billing questions at their local facility, hours of wait on hold if you try to call them. I have used XXXX customer service portal and the only response from them is a form letter in email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: OK
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 this issue with both XXXX and Experian. They are reporting the same debt twice on my report. The names of the company are different, but it's the SAME DEBT being reported twice. The names of the company are different and the amounts owed are different by as little as {$100.00} and as much as {$2000.00}. I have called, written letters, and followed their instructions to the letter, and it has only made it worse. They are also ALLOWING companies to renew the date when it comes close to 7 years and the debt dropping off. It borderline on being CRIMINAL. They hold me to higher standard, yet they openly and blatantly break the rules. Especially for those of that are are paying our debts, and trying to fix our credit. For example, they will say you don't have enough credit cards. Then when you apply, receive the card, maintain a XXXX balance BOTH credit companies say, you havee too many credit card accounts. I believe YOU GUYS ARE WELL AWARE that these2 credit reporting agencies, ESPECIALLY, engage in this practice. I know someone that has near perfect credit, and AS SOON as it nears OVER 800, both XXXX and Experian DROP the score and come up with RIDICULOUS reasons they've dropped the score. How can you guys sleep at night knowing that those of us withcredit issues, ARE DOING TGE RIGHT THING, CONTINUE to be taken advantage of. It's RIDICULOUS. I'd bet money that ALL of you reading and responding, and coming up w excuses have NO CREDIT issues. XXXX AND Experian reports have kept me from getting jobs, getting suitable housing and bettering our lives, because their shady practices. PLEASE HELP!!!

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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}

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 2016-02-24
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am third party authorized for my client XXXX XXXX XXXX XXXX who had his home equity stolen from him through deed fraud and my company through XXXX XXXX ( a ) have been able to revert the deed back in his name. I contacted the servicer that was assigned his defaulted mortgage ( Shellpoint Mortgage ) and they informed that they conducted a short sale on the property in XXXX XXXX for the sum of {$420000.00}. I told them that was impossible no transfer of title or satisfaction of mortgage was ever recorded with the State of NY. They even told me who purchased the property through a short sale with there company. ( XXXX XXXX XXXX ). There is some serious fraud indicated here. I called back a second time on XXXX/XXXX/XXXX and they were not willing to speak to me even though I was authorized to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a public service loan forgiveness employment certification form to FedLoan on XX/XX/XXXX that certified my employment with the Federal government for the period of XX/XX/XXXX to XX/XX/XXXX. I received notification that the process of confirming the eligibility of my employment would take approximately 30-90 days. I web-chatted with FedLoan a few weeks after submitting my form and was told that it had to be reviewed by " FSA. '' I contacted FedLoan via email on XX/XX/XXXX and was told that no updates could be provided concerning the review. I submitted another employment certification form on XX/XX/XXXX that certified my employment with the Federal government for the period of XX/XX/XXXX to XX/XX/XXXX. Shortly thereafter, FedLoan updated my qualifying payment count to show months of XX/XX/XXXX and XX/XX/XXXX as counting, but payment months of XX/XX/XXXX through XX/XX/XXXX continue to show as " employment not certified. '' I contact FedLoan via email on XX/XX/XXXX to inquire about this and was provided no information or explanation. Thereafter, I wrote to the Department of Education 's FSA Office for assistance and they forwarded my inquiry to FedLoan. When I have spoken with FedLoan about the issue, they have pointed to the FSA Office and advised that no updates or timeframe for a resolution can be provided. As of now, it has been more than 90 days and this issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
In checking my credit report, Capital One has not reported to XXXX since XX/XX/XXXX. This is effecting my livelihood as my family and I are trying to purchase our home. Due to building credit I am short XXXX credit point. My lender has stated that if capital one would update I would have the score I need to goto closing. I feel they are in violation of the fair credit reporting act and are not reporting monthly as they are required!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
capital one ... .would make my payment for the month due ... it would show paid on line and when I would check my account and the money would still be there ... they will then then next month say im one month behind so I would pay for two months ... ..The money still will not be taken. then capitol one would say yes it it ... ..then I tried to pay by check..no good debit card still the payment would not be taken out of my account ... .so I stop trying to pay capitol one account..then they start adding all these late charges the mail they send say XXXX late fees then I look at my credit it say XXXX I need help with being treated fair.. they double the payment amount but this all started when I spent up the money on the credit card ... I feel when I ran the card up they blocked the payment ..so my credit score will be bad ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Jim Bottin Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I joined the Crunch Gym in XXXX Flo5rida. After 1 month I decided to leave. I spoke with several managers there and they told me I could not leave until after 90 days. I told them I was not told this orally nor signed any contract to that effect. In fact there is No written contract. Now I am receiving harassing phone calls, text messages to pay for services I do not owe any money to this gym and have received a collection letter from XXXX XXXX and " ABC Financial Services. '' I never signed any contract nor agreed to any terms of use. They are constituting fraud and are harassing me repeatedly. The last text I received from them was on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am being charged {$45.00} -XXXX per month in interest, after 0 %, on my credit card. When I called asking them to lower the 22.99 % interest rate, I was told that " there are no provisions for lowering the rate at present, you can check back at a later date " I have had my income drastically lowered & can not afford these exorbitant charges, is there something that can be done to help me? I have been unfailing in my repayments- always on time, ergo this company has denied even speaking with me about trying to find a way to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are alleged accounts on my credit report that I didn't recognize. I am demanding a removal of it Pursuant FCRA XXXX XXXX Account no : XXXX XXXX Account no : XXXX XXXX XXXXXXXX XXXX Account no : XXXX XXXX XXXXXXXX XXXX  Account no : XXXX XXXX XXXX XXXX Account no : XXXX XXXX XXXX XXXX # 1 Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX XXXX Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX Us Department Of Edu Account no : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Navient Solutions, LLC.
State: CA
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 called Navient to continue my rate reduction plan and they had me on the phone for almost an hour and most of it was on hold. They would n't include my pet food and other necessities. The supervisor I spoke with was very rude and he told me to call back again after I had already spent an hour on the phone. He was n't helpful in trying to accommodate our financial difficulty. Our payment is currently {$240.00} and he said we needed to start paying the full amount of {$430.00} which is about a {$200.00} increase that we have to unexpectedly pay. We wanted to continue the rate reduction for at least another year. The interest will also go up as will the payment. When we first took out the loan we did not know what we had gotten ourselves into. All the fine print and legal terms are not legible to a lame person who is not knowledgable with legal terminology. I believe this is how these corporations take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: SC
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:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation

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 2016-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised BOA that it had failed to send the required Post Foreclosure Referral Notice and had failed to provide the borrower with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. Bank of America is proceeding with foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: The CBE Group, Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter used my name to get XXXX and then they moved and I was not aware it was still in my name. Today is the first day I have seen this bill at all. XXXX/XXXX/2015 My daughter is XXXX XXXX and she is XXXX and on social security XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently paid off XXXX of my XXXX loans and I have a screen shot that on XX/XX/2017 my XXXX account had a {$0.00} balance and my XXXX account had a {$3400.00}. Today ( XX/XX/2017 ) I received a letter saying my XXXX Loan Forgiveness Program was sent to the loan guarantor for review. This might clear the remaining balance in my XXXX account. However, when I logged into my Navient account today to read this letter, I noticed my XXXX account was at a negative balance, - {$650.00} and my XXXX account has a balance of {$4100.00}. 

My complaint is that interest still accrues during the forbearance time when my application for forgiveness is being reviewed, so interest is accruing on {$4100.00} and not {$3400.00}. I also have a complaint that my application might have been sent to the loan guarantor asking that {$4100.00} be paid off, which might mean Navient will end up seeing a credit of - {$650.00} in my final account and write it off as a profit for their company if my loans are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. 

I have provided all the letters that I've sent for resolutions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my second request for help. My mortgage payments were not posted on the correct day. I never spoke to anyone at Bank of America about my problem. I received in the mail a letter about the processing time for night drop that I was not satisfied with.

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 2021-04-28
Company: Experian Information Solutions Inc.
State: IL
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:
this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from XXXX XXXX which is not mine.

They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.

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 2021-04-28
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:
ON XX/XX/2021 I SENT MAIL TO EQUIFAX, XXXX  AND XXXX  TELLING THEM TO PLEASE SEND ME VARIABLE PROOF OF THE ACCOUNTS THAT ARE INACCURATE. 

1. XXXX XXXX XXXX ACCNT # XXXX {$1500.00} 2. XXXX XXXX XXXX XXXX ACCNT # XXXX {$980.00} 3.XXXX  ACCNT XXXX : XXXX {$1000.00} 4. XXXX XXXX XXXX ACCNT # : XXXX XXXX. NO NAME ONLY THING IT SAYS XXXX, OH XXXX {$250.00} IDENTIFICATION NUMBER : XXXX 6.XXXX/ XXXX XXXX XXXX XXXX XXXX {$10000.00} 7. XXXX XXXX XXXX XXXX # XXXX {$230.00} 8. XXXX XXXX  DEBIT CARD ACCNT # XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: NY
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:
I have been contacting Navient for all of XX/XX/2016. I am unable to log in to my online account and I am not receiving paper statements. Aside from checking through XXXX XXXX, I 'm essentially blindly paying Navient every month because of this. When I log in I get 'We need to take you to the previous website while we make adjustments to your new online experience. ' When I click the link to the previous website, I get the exact same error. Every time I speak to them they give me a roundabout answer speaking to my 'account being set up on XXXX XXXX so it 's taking time to transfer to Navient. ' For all I know the money is not being allocating to how and where I set it up and my interest is going through the roof. Ironically, I received my XXXX last week which I was able to log in and retrieve, then when I click 'my loans ' I get the usual error : 'We need to take you to the previous website while we make adjustments to your new online experience. '

Company response to consumer: Closed with explanation