BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
city of XXXX, va treasurer made a fraudulent request from my mortgage company mr cooper for taxes when both knew I was tax exeampt the city receive and overpayment cooper never returned my escrow nor provide proof of payment made to the city of XXXX, va nor never returned my escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: ACIMA CREDIT, LLC
State: MD
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:
Acima allowed someone to fraudulently open an account under my name without taking the steps to properly verify the identify of the person who opened the account. After reporting the fraud through the credit bureau they denied to allow them to take this off my my report. I then disputed this through Acima and the told me to file a police report. I did that and gave them the report number and they said now they need an actual copy of it which the police department said would take over 3 weeks. This is all why I am trying to apply for a mortgage and this is making it almost impossible. This account the fraudulently allowed to be open is ruining my life and they dont care to straighten it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Equitable Acceptance Corp
State: RI
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Back in XX/XX/2016 I was doing so research on student loan forgiveness. After a couple of calls and XXXX searches I was contacted by Equitable Acceptance Cooperation. I was told the Obama had passed this law and the student loans that I was paying back were not supposed to be that high. I was told that this company would get my student loans consolidated and it would be better for my credit and lower my monthly bill. This sounded great to me. This company told me that I would have to pay a fee for the service that would be broken up into monthly payments and then I would also have a new student loan payment plan. I unfortunately agreed to this as I thought it was a legit. After a few months I have been paying both my fee to Equitable Acceptance Cooperation and to XXXX. I contacted XXXX with some questions and they advised me that this was a scam and to report it to the Federal Trade Commission. Equitable Acceptance has put a hard inquiry against my credit and debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX. After having 'XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for sudden XXXX. My excellent ( check the history ) credit status should be restored 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 explanation
Consumer complaint received 2017-04-13
Company: Security Credit Services, LLC
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have had an account with a company called XXXX for over a year. I had a down turn and they offered a payment agreement to help me keep my account current. I recently checked my credit files and noticed a company called XXXX claiming to be collecting for them in the amount of {$1600.00} ( I only owe {$500.00} ). I immediately contacted the original company and they had never heard of them when I let the credit bureaus know and disputed XXXX immediately responded by removing their account, however, they re-submitted it under another name, Security Credit Services. I spoke with the original company again, and they explained it is fraudulent as other customers have contacted them about the same thing. I have disputed it again with the credit bureaus, but it still remains on my credit reports. This is fraud, as they have not purchased or gotten my account from the original company, who is still taking payments directly from me per an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and I have a collection account and credit inquiry listed on my Equifax credit report that 's fraudulent and unauthorized, and do n't belong to me. The following debt collection account and credit inquiry do n't belong to me : XXXX/17, XXXX./XXXX {$1200.00} and XXXX/17, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account Resolution Servi # XXXX is fraudulently trying to collect from me another XXXX dollars since XX/XX/XXXX and I already paid them. I recall paying this XXXX dollars at least two times but I can not find the other checks. 

This fraudulent agencies need to be stop by the government. They know that banks only keep back records for seven years and some people do not keep their records. I keep all records. That is why they need to be stop from collecting fraudulent charges back to seven years. 
I paid the XXXX primary care physician XXXX dollars on XX/XX/XXXX. I paid them with check number XXXX since XX/XX/XXXX. 
I gave that information before to that company but they still want more money from me. Guess what? they are not going to get it because I already paid that account.

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 2017-04-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I CALLED MY INSURANCE COMPANY, XXXX, AND THEY INFORMED ME THE DEBT WAS PAID AND I WAS NOT RESPONSIBLE FOR DEBT THE COLLECTION AGENCY IS CALLING ME FOR.

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 2019-12-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a dispute on XX/XX/XXXX regarding a XXXX   subscription through my Chase Freedom account. I received no follow up correspondence via mail, email, or paperless correspondence. On XX/XX/2019 I received a notice that the transaction is considered valid. I called Chase, and was condescendingly told that there is nothing I could do. The supervisor told me that the transaction was valid because they "sent" me a letter on XX/XX/2019 and I did not respond. I never received a letter and I lost all claim to the dispute. There is no letter. Chase made a mistake and I'm the one facing the brunt of a $XX/XX/XXXX charge for a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  XXXX XXXX XXXX XXXX for them to release my medical information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
i have XXXX insurances. they did not file to XXXX insurances

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX is not an account I opened, or authorized and should be removed. 
Both Equifax and the Consumer Financial Protection Bureau have the settlement agreement on file between myself and XXXX where all XXXX accounts must be removd from my credit file. They are currently still illegally reporting XXXX and XXXX which never belonged to me. Finally, Equifax is reporting a number of fraudulent and illegal inquiries. I 've provided notarized statements as well as police reports advising them that these inquiries are illegal, fraudulent, and should be removed, yet they have refused to do so. These documents are also on file with the consumer financial protection bureau and Equifax. They are as follows : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Mail Order Firms XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

US DEPT ED XXXX, DEPTEDXXXX XXXX*, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, US DEPT EDXXXX, US DEPT ED XXXX XXXX USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PA ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : ACS XXXX XXXX XXXX XXXX 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 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 2021-05-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the Creditor XXXX XXXX XXXX  XXXX XXXX Has been trying to collect {$3100.00}. from XXXX for unpaid rent for an apartment that my father had leased. My name is not on the renewal of the lease and I did not live there.

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 2021-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I filed a claim on my XXXX funds through bank of America for {$9600.00}, that someone has transferred money out of my account. After waiting a month Bank of America transferred the money back on the card ( after on the phone with them for over XXXX hours ), Two days after receiving the funds, the same person takes out {$5300.00} ( available amount, because i tried to withdraw the money as soon as it became available, but bank of America only allows {$2500.00} at a time ), Now my personal information is floating on the internet due to Bank of America ( because the person who took the money has called me numerous times, and has all of my information readily available ( including bank security questions which were changed couple of days prior ). 
I've now on the second claim have called and talked to the customer service and their supervisors 9 times and over 8 higher up supervisors, each one telling me how sorry they are, and that they are emailing their higher up supervisors and managers, each one with different useless information, and promises that are never fulfilled.

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 2022-04-29
Company: EQUIFAX, INC.
State: TX
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, US DEPT EDXXXX, US DEPT ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX PA ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PA ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX PA ) 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 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 2017-04-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I graduated college in XX/XX/XXXX. I had a private loan through XXXX ( now the loan is owned by Navient ). I got married in XX/XX/XXXX, we have XXXX child, a house car etc. The entire time, I never missed a payment. In XX/XX/XXXX, my wife and I filed began the steps towards divorce. She moved out of our home. My private loans were about {$500.00} a month. She stopped paying her half of everything, including the mortgage. I could n't afford this all on my own. I contacted Navient and asked for help ( several times ). I asked what my options were, hoping for a lowered monthly payment or a new income base repayment that took my bills and debt into play. Every time I was steered towards forbearance. Finally, when I felt that I had no other option and did n't want to miss a payment, I agreed to go into forbearance. I asked several more times, but again, was told that this was my only option. My monthly bill is now {$530.00} and I am having a harder time than ever before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-12-17
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, This happened multiple times with XXXX. They send a debt collection even when the account has been closed. I have called them and made sure my account had no balance before closing the account. I then received a debt collection notice. I disputed the collection from an agency and it was approved with XXXX. XXXX then sent the collection to another agency and reported it on XXXX this time. I went in one of their stores and made sure I had no previous balance. However, XXXX keeps sending debt collections. I have spoken with other past customers and apparently it is a running problem with them. They steal from people. I attached the past dispute I had resolved, and again I have a new one years after. I do not even have XXXX services.

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 2017-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I now have what I feared developing from my multiple XXXX accounts. Even though I was NOT posted as late, I never was 60 days late and my complaint to you was concerning my inability to contact them to make a payment they posted late payments to my credit files. That said even though I paid off my Mortgage {$50000.00} and a considerable portion of my debt was eliminated and currently XXXX balance on my accounts I have a XXXX credit score. I find this very disturbing that I should be such a credit risk and so low a score. The have literally taken away my ability to do anything! In my opinion an evil farce since the credit bureaus tell me its the lenders who generate the credit scores not them????. I am disturbed that so many " honorable people '' ca n't do a darn thing!!!! To boot I must pay or join to get my credit score- coerced to pay to get the score?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have mailed and emailed a copy of my police report regarding identification thief to XXXX credit reporting agencies on XX/XX/XXXX. I have requested that false inquiries be removed and asked that my account be locked. As of date XX/XX/XXXX false inquiries were not removed, accounts that were paid in full are still reporting as late/negative, and false delinquent accounts are still being reported on my credit reports. I have sent proof of fraud and nothing has been rectified.

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