BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son had XXXX XXXX treatments at XXXX XXXX XXXX in XXXX and XXXX of XXXX The XXXX visits were paid by insurance and we paid our copay. XXXX XXXX had some confusion about the claims for XXXX since we changed insurance effective XX/XX/2020. After receiving several statements from XXXX, I called XXXX XXXX XXXX to find out why the XXXX visits were not paid. I contacted XXXX on XX/XX/2020 and XX/XX/2020 and asked them to reprocess the XXXX claims and to put our account on insurance hold. 

Today we were notified that the XXXX claims were turned over to collections. 
It is irresponsible of XXXX to turn claims over for collections when they should be pursuing our health insurance carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
HAS NOT CLEARED MY PAID DEBT ON MY CREDIT REPORT FOR XXXX STILL SHOWS {$270.00} OWED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted, on several occasions, through several methods, to unfreeze my credit score with equifax. The other two credit agencies unfreeze process was flawless. 

I attempted to go through the equifax " manage freeze '' website, https : //www.equifax.com/personal/credit-report-services/credit-freeze/ However, I had to reset my password. Several attempts, on several different days to reset it did not work, the " send me an email link to reset password '' did not work. 

Next step, I called equifax, navigated through the extensive phone identification process, got to the end and a message said, we can't help you, please call back during our business hours or go to our website, and abruptly hung up. 1 ) it was during their normal business hours!, and 2 ) the website was the problem I was calling about. 

To twist the knife, they said I would be able to take part in a " satisfaction survey '' after the call and it wouldn't even do that ... they just hung up. 

Long story short, equifax has made it impossible to unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: KEYCORP
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a personal check into my checking account on XXXX XX/XX/2016. The check cleared the bank it was drawn on the next day, XXXX XX/XX/2016. XXXX I called my bank branch and inquired as to why the funds have not been released to my account and was told there was a hold on it and it would not be available until XXXX XX/XX/2016. When I questioned why I was told that I had an overdraft in XXXX and that is why. I have since got my statement from another business and they are scheduled to withdraw funds from my account. This will cause me an overdraft. The funds should be there as soon as that check cleared. Why should I have to pay a overdraft fee? They want to hold funds siting an overdraft from the month prior and cause me to have another possible overdraft??? Where does that make sense? The money is mine and should be in my account. The bank is Key Bank and the location is XXXX, PA

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: TD BANK US HOLDING COMPANY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XX/XX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XX/XX/XXXXAccount Number : XXXX This is not mine. 

4. Identity Theft TD AUTO FIN Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XX/XX/XXXXAccount Number : XXXX This is not mine. 

7. XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 've had both the amount and the due date of my student loan arbitrarily changed. No prior notice was given that the amount nor due date would be changed. I was simply notified that I was ALREADY 45 days late! 

Previous notices tell me I owe {$270.00} on XXXX XXXX, 2016, but then mail notices in XXXX 2016 tell me I am 45 days late on the amount of {$1200.00}! 

Since the amount and due dates keep changing **without explanation*** I therefor need, first & foremost, to have communications in writing so I can have documentation of what arbitrary changes are made WITHOUT prior notification. 

I have emailed Heartland / ECSI and they replied that they canceled the the inquiry because : " To safeguard your account specific information, security measures do not allow ECSI to respond to your question/inquiry via e-mail. However, we will be more than happy to help you through our Live Chat portal or via telephone at XXXX. '' That safeguards THEM from me getting proof in writing of what they said! It does NOT protect ME! 

I need : 1 ) email communication so I can document their harmful & arbitrary changes to my account. 
2 ) I also need explanation as to what they heck they are doing & why they keep changing the amount due & the due date. 
3 ) I also need to know how they are calculating my interest & when it is due. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX with an FHA loan which contained a PMI payment of {$100.00}, my amortization document indicated that in XX/XX/XXXX I would reach XXXX XXXX ( 20 % equity ) where my PMI would drop off and beginning on XXXX XX/XX/XXXX my payment would reduce by the {$100.00}. However, throughout my loan I made bi-weekly payments so I reached the 20 % equity in XX/XX/XXXX instead of XXXX and I called to request that my PMI be removed and was told that I would have to pay {$500.00} for an appraisal if I wanted it removed or wait until XXXX and it would automatically drop off, I chose to wait. I called on XXXX XX/XX/XXXX to again request that the PMI be removed and was told that I needed to make the XXXX payment and it would be removed and reflected in my XXXX payment, I made the XXXX payment as requested. I called again on XXXX XXXX to confirm that my XXXX payment would reflect the reduction of the {$100.00} PMI and was told that I need to request that it be removed and that I would have to pay for an appraisal before it could be removed. I have been going around and around to have this removed and have done everything that has been requested and have never missed or been late on any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NY
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a letter stating i owe {$160.00} to Diversified Consultants on behalf of at & t.Im not familiar with this bill nor these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX  # XXXX, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX/XXXX  # XXXX, # XXXX, # XXXX ) Account ( XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  # XXXX ) Account ( XXXX  XXXX  ( Original Creditor : XXXX  # XXXX ) Account ( XXXX/XXXX  # XXXX ) Account ( 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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:
There are XXXX different XXXX ( personal loan ) accounts on my Experian report. All of these are delinquent. NONE of them are mine. I have called XXXX & they have confirmed that my social security #, email, phone number are NOT associated with any account. Yet, they are still showing as delinquent on my Experian account. Neither XXXX or XXXX show these things.

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 2016-11-19
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past 8 months we have been struggling with roundpoint servicing regarding an escrow issue The servicing was transferred to them from another lender. They refuse to correct a flood insurance escrow placement, when we have had and have shown numerous times that we have flood insurance on this property. We have spent countless hours in phone calls that lead nowhere or with someone who states there going to correct it and send us a corrected analysis but when it comes in the mail it is wrong. They are charging us for flood insurance when we have satisfactory proof of coverage there has never been a laps or gap ... iwhen the transfer happened to their company is when we have had nothing but problems! We get the runaround one department dosent know what the other is doing, or it takes 60 days to make a correction, which is a direct violation of TILA AND MAP regulations. But to date NOTHING HAS BEEN RESOLVED. I beg for assistance. Every three weeks we go through a routine of calling being placed in hold for 30 min at a time after being placed there from a representative ... .. we need 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 2015-05-03
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a former XXXX student. I took out their private Genesis loan when I XXXX applied in 2012. I was promised flexible repayment options and an easy manageable monthly payment. It was all going well until XXXX and XXXX of this year when I suddenly found myself short on money. I was denied a deferement for the XXXX dollar charge, so I did what I could, and in the span of a week paid XXXX XXXX dollar payments to cut down on the now past due payment of 340 dollars. Despite paying XXXX XXXX dollar payments to Genesis Lending in the span of just one week, my balance for XXXX still reads 340 dollars. Now I am aware that companies send late payments towards interest charges instead of the actual loan amount, but the fact that even after XXXX payments in one week led to absolutely no reduction in the extravagant payment leads me to reconsider what this so called fair and honest company does with my hard earned money. I consider myself lucky enough to have a job in the field I had studied for but it was all due to my own searching, the school never helped me with a solid lead for a career, and I feel very cheated by Genesis lending. The name of my now defunct school is XXXX, XXXX XXXX XXXX, XXXX XXXX, California, XXXX. Any help or advice will be greatly appreciated. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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: Information belongs to someone else

Complaint:
This account is fraudulent XXXX XX/XX/2017 XXXX no action was taken

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 2022-04-14
Company: EQUIFAX, 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:
despite both the FTC identity affidavit brief provided and filed XXXX XXXX sherriffs police report - equifax is the only bureau refusing to take action and remedy the effects of identity theft on my credit report. 

I am flabbergasted and dumbfounded by how the victim is being victimized by a " consumer '' agency that I previously thought of as the hero and not the villain as they are here. 

Please compel them to stop throwing salt on my proverbial open wound. Next step is to litigate them but I want to make sure I file this complaint to their regulatory board so that they are held accountable for this blatant disregard of consumer rights ( and human decency )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
After visiting on 3 different occasions the local XXXX de XXXX XXXX XXXX, translated is XXXX. XXXX XXXX, which is only for government employees like I was, they certified in writing, that my loan with them : THAT THEY ARE NOT THE ONES REPORTING MY LOAN WITH THEM AS DEROGATORY, COLLECTION, AND PROFIT LOSS - my loan has not been reported as a loss ; as reported by Trans Union since XX/XX/2022 ; see page 2 of the Letter included, in XXXX, on page 3, of the 15 pages document called : " My Complaint to Trans Union XXXX XXXX XXXX  ''. 
The letter starts on page 2. 
- neither has my loan been reported as derogatory ; as reported by Trans Union- they have also not reported my loan as a collection account ; as reported by Trans Union the account continues in the Association where it originated. 

But, the Trans Union Credit Report is showing : - this account as charge off/ delinquent account ;- with a derogatory status- but, at the same time, there are no days late reported at all ; a contradiction I included within this complaint : - an English Translation of my complaint ; - documents showing, Trans Union Credit Report of SXXXXXXXX XXXX XXXX showing this same account reported by Trans Union in contradiction with what was certified by the XXXX XXXX XXXXXXXX XXXX officers ; - the same letter from the XXXX. XXXX XXXX officer XXXX XXXX XXXX, handled to me personally today, XXXXXXXX XXXX XXXX, by their administrative officer and collection manager XXXX XXXX XXXX XXXX, the employee who received me at their offices in the last 2 visits due to this problem, first visit was XX/XX/2022, with the second and third last XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX ; - Copies of the letters, marked as received at the XXXX XXXXXXXX XXXX are included, but all three in the original XXXX Language ; - I also included evidence about why I do not work at the Puerto Rico Dept. of Education, and that it ended in the Supreme Court of the U.S. where it could be easily seen publicly just typing my name within the Docket Search section : XXXX XXXX XXXX - I also include evidence showing Supreme Court denial to hear a Case does not mean they approve the lower courts actions ; - I also include the last payment receipt made by myself personally last XXXXXXXX XXXX XXXX : For an unknown, their XXXX XXXX XXXX forgot to include it. 
Page 9, of My Complaint to Trans Union document ;

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 2015-03-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received an email alert from my credit monitoring company about a collection hitting my account. I was not aware of this debt. I contacted the collection agency and they would not disclose any information about who is filing this collection. The agency said their job is to collect the debt period. To make matters worse, the debt is from XXXX of XXXX. I asked why no one had contacted me prior to placing a collection on my account. The collection company, PRO COLLECT, had no response. I have been at my current address since XXXX of XXXX. So there is no reason I should not have received a bill. In XXXX of XXXX I was working for a large computer company and IF I did go to the medical facility as they have indicated my company insurance would have pay any charges and informed me directly if they were not going to pay a particular charge. By waiting 6 years to attack me, my insurance company is now out of the picture. I do n't think this is fair. I have a high credit rating because I pay my debts. I do n't like the way this company can place a collection on my account without ever telling me. XXXX the comments I kept getting from different people I spoke with at " PRO COLLECT '' was " Were sorry if you never got a bill ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/21 I borrowed {$1200.00} from LoanAtLast. The effective date was XX/XX/21. My first payment was due XX/XX/21 & money was taken from me weekly at {$160.00}. The APR was not given to me until after the agreement was signed. I financed {$1200.00} at a 702.32 % APR. I paid {$160.00} on XX/XX/21, XX/XX/21 & so on, weekly. This is predatory lending at its finest and I am beyond XXXX this happened to me. I am young & I didnt understand what was going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We filed a complaint with the CFPB in regards to our mortgage that we having been trying to refinance out of. We are told by the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that the deed Wells Fargo Financial recorded against the home was never approved.

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