BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2011 I was given XXXX bad loans to attend XXXX  university which was overcharging students to attend. The loans have been on forbearance due to high total of loan. I was forced to withdraw due to unable to make payments while in school and have been left with {$17000.00} in student loans. 
I have filed for my loans to be dissolved and handled by the lawsuit by th cfpb and XXXX regarding for profit school. 
They show late payments on my credit report to all three bureaus which has lowered my XXXXredit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Medical Society Business Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bureau of Medical Economics is reporting to all three credit bureaus that I owe them a balance of {$370.00}. I never engaged in any business affairs with the Bureau of Medical Economics. I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with Bureau of Medical Economics with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I C Systems collection, is attempting to collect a debt I originally owed to XXXX XXXX XXXX. I had services with XXXX   XXXX  and they put XXXX XXXX XXXX on as internet service. The service I was getting from XXXX XXXX XXXX was so bad I couldn't keep the internet in a usable fashion. I then called XXXX XXXX and told them to cancel my contract because of poor service on internet. They did so. and cancelled my contract. Plus gave me a {$100.00} gift card for my troubles. This contract was cancelled withing a two week period. Several months went by and I got a collection notice from XXXX XXXX XXXX and I called them and told I had cancelled the contract because of poor internet service. The person from XXXX XXXX XXXX said he would clear the account and apologized. Several more months went then ICS sent notice. I had called them twice and no luck. Plus they did not want to hear my side. Since then I called XXXX XXXX XXXX several times and get promise would be taken care and I am still under collection. I tried all I know to clear this mess up but no luck. Now I am turning to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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: Account information incorrect

Complaint:
XXXX  and Equifax continue to report negative fradulent information on my credit report. They are in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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:
I am a victim of identity theft. I recently learned that my personal information was used to open unauthorized accounts in my name. 

XXXX XXXX : Acct # XXXX, Amount XXXX XXXX : Acct # XXXX, XXXX/XXXX : Acct # XXXX, Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an  information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX and my mortgage was transferred to Citizens Bank. Since that time, I have spent collectively more than 10 hours on hold with this company trying to get access to my mortgage and account information. First, I could not enroll in online banking and could not get information on my mortgage payments and escrow accounts. In XX/XX/XXXX, after more than three days of calling and more than 6 hours of collective hold time, I was finally able to get an online account established so that I can access certain information. However, I still can not get an answer to why my tax forms have not arrived when they were supposed to be mailed before the end of XXXX and I can not access them electronically. Each time I call, I spend more than an hour on hold before getting through to a person, who tells me they must transfer me. They will then transfer me to another hold, where I either spend an hour more on hold or where the call is dropped, i.e. they hang up on me. I can not file my taxes without this information, and I have had to miss work to make these calls as they are only available for customer service on mortgage issues between XXXX a.m. and XXXX p.m. when I also work. They are an XXXX XXXX bank and I am located in the XXXX so I can not physically visit a bank, and their only other contact options are by phone. There is no email or chat option currently available, and so I am literally without any other options to access these documents other than to call and spend hours on end listening to their hold music.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery has called me 4 times in 2 minutes. This is while I was at work in the XXXX XXXX. I find it as being harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: EQUIFAX, 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:
Equifax data breach has compromised my credit showing inquires not known to me and a creditor attach in this dispute sent fcra violation or ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR I AM NOT LIABLE FOR THOSE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I was treated by a medical provider through XXXX XXXXXXXX XXXX. They submitted the claim to my insurance company on XX/XX/2022, and on XX/XX/2022, XXXX issued them payment for the service rendered resulting in a balance owed by me of {$53.00}. 

I never received an invoice detailing a balance bill in the mail from XXXX XXXX XXXX. The week of XX/XX/2022, I went to their portal and found that there was a balance owed. I wrote a check for the balance and mailed it to XXXX- which they subsequently cashed on XX/XX/2022. 

I received a letter from BCA Financial Services dated XX/XX/2022, stating that I had been referred to collections for an unpaid balance owed to XXXX XXXX XXXX. It is quite literally impossible that between XX/XX/2022, and XX/XX/2022, XXXX XXXX XXXX billed me for the balance owed on my account, I had 30 days to remit payment, did not do so, and subsequently could have been referred to collections. 

On XX/XX/2022, after six months of harassment from BCA Financial Services for debts not owed ( this is the third instance ), I submitted a complaint to this agency to dispute the debt. BCA Financial services told me they would verify the debt was owed and send me proof. 

They then sent me a letter dated XX/XX/2022, claiming the debt remained outstanding. They clearly did not do their research, as once again they are attempting to collect a debt that was never attempted to be collected from me, referred to collections inappropriately, and paid as evidenced in the attached. 

The harassment and illegal business practices must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: The Bureaus, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Security Credit Services, LLC
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Security Credit Services , LLC has failed to prove correct date of XXXX Delinquency for an amount owed to the original creditor, XXXX and has been reporting the collection account on my XXXX Credit Bureau Report. Pursuant to the FCDBA Debt Vericiation must be furnished in order to report adverse account on my Credit Bureau Report and thus XXXX XXXX XXXX has also violated the FCRA. They have reported Experian with incorrect Date Of XXXX Delinquency. To my knowledge the date of XXXX Delinquency is in early XXXX and not XXXX XXXX as reported by Security Credit Services , LLC. 
I am demanding Debt Verification from XXXX XXXX XXXX and they must establish the following:1. Proof that the collection company owns the debt/or has been assigned the debt. 
2. A copy of a statement from the original creditor including the amount of the debt and complete payment history ( Established by XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 3. Copy of the original signed loan agreement or credit card application. 
If Security Credit Services , LLC can not furnish the requested Debt Verification or Correction, they must remove the collection account from my XXXX Credit Bureau Report. If they keep reporting it, they are clearly violating the FCRA guidelines and I have the right to sue Security Credit Services , LLC for {$1000.00} in damages in addition to court costs. 
XXXX Credit Reporting Agency, XXXX Credit Bureau also must provide " Method Of Verification '' of the alleged Security Credit Services , LLC account. 
XXXX and Security Credit Services, are both causing me financial harm by continuing to report the negative account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX, these accounts have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section XXXX 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 2020-09-26
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:
I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XXXX 2020. XXXX granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a XXXX  plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: JPMORGAN CHASE & CO.
State: AL
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:
Please reference CFPB complaint # XXXX about XXXX XXXX XXXX. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of XXXX XXXX failure to correct the information ( remove the bankruptcy and show all accounts as paid ), Chase Bank USA declined my request for a credit card and today I received written information that the denial was based on information solely from XXXX   regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, XXXX XXXX XXXX XXXX continues to report that XXXX is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that XXXX provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient will not help me when it comes to my student loan from the XXXX XXXX in XXXX. I believe I did qualify for the Navient forgiveness, but they are telling me otherwise. My loan has been in delinquency before and there were years where I wasn't making any payments. They told me the longest my account was in delinquency was 157, 13 days away from the 170 day requirement. 

I took a look at the history of the loan and went over it with somebody from customer service on XX/XX/XXXX. Every time I asked about the missing gaps of time on my account they couldnt give me a straightforward answer and deflected to the dates that were on file. Where are these missing years? Why isnt it on my file? 

Currently, my loan over is XXXX dollars, mostly from accumulated interest. My interest rate is almost 13 %. I was steered to go into forbearance multiple times thinking it would help me out. In the long run, once Navient doesn't let you sign up for forbearance anymore, it drastically has a negative impact on your credit score. Had I known that, I would have never signed up for it. I felt coerced once my credit scorXXXX took a plunge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
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:
IQ Data International keeps calling me about a debt that my ex, XXXX XXXX, owes on an apartment that was in his name on the lease. They also say that XXXX paid {$600.00} to have this removed from his name, but then when I call back to confirm, they say that they have never talked to XXXX. XXXX also says they have never contacted him. I advised them they need to contact XXXX about this, but it is now showing on my credit report. Also, the XXXX time they contacted me, they never indicated they were a creditor ( I have had experience with other debt collectors and they always do this ). I also advised that I am going to dispute this and they claimed that I was trying to " evade my debt ''. I have asked for written proof of the amount owed and why the amount has changed each time I talk to them, but they are unable to provide anything in writing. This all sounds very fishy to me and if I am really liable for this debt, I would like to see the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TransUnion 's web site lacked clarity and lead me to enroll in a credit monitoring membership service I never intended to enroll in. It is was not clear and obvious on the web site that that by freezing my credit report I was agreeing to a free monitoring service followed by a mandatory paid membership to a credit reporting service. Another unfortunate business practice is that I was not sent an email informing me of the specific start date of the paid membership. I only found out about membership fee by accessing my monthly credit card statement on XXXX, XXXX. I immediately cancelled my membership but was charged for the membership until XX/XX/XXXX without a refund. Thus, I am being charged for XXXX  days of monitoring past my cancelling date!

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 2018-04-03
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is using an intimidation tactic to collect a debt that is NOT mine. I do NOT have any signed contracts with them or their so called client Also, it's a violation for the FAIR DEBT COLLECTION PRACTICES ACT to try and collect a debt that has NOT been validated, they are NOT suppose to do that!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: Eastern Account Systems of Connecticut, 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 want to hereby denounce Eastern Account System Inc. for continuing to violate the FDCPA and Experian for continuing to violate the FCRA. 

Eastern Account System Inc. 

On XXXX XXXX, 2015 I wrote to Eastern Account System to dispute the account being reported by them on my XXXX credit report, and I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. ( Letter enclosed ) Eastern Account System responded by sending a copy of a computer statement printout. ( Answer and computer printout enclosed ) A computer statement is not a Validation of Debt, and once again I demanded that the collection agency obtain verification of the debt. 

Eastern Account System responded with the exact same computer statement printout. ( Answer and computer printout enclosed ).

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