BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: M.L. Zager P.C.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX 2013 was so sick and went to hospital. The finical rep ask me for ins 'i explained to her that I was on unemployment, She then told me she would put my case through charity. i then received a bill in XXXX 2013 for XXXX from the hospital showing the discount granted. XXXX months later I get a call at my job from a collection agency saying I owe XXXX. Since then I have done every thing to comply. to resolve this dispute and error. I have been treated badly by them as well as they lied about the dates when they sent me letters. I have been to XXXX hospital to resolve this error and the hospital has been working with me but the collection refuses to comply to clear this error. They lied when i asked to speak to the representive that there was not a person by that name working there name XXXX. I have a lot of health issues and I am on XXXX now they submitted it to court and refuse to even work with the hospital who is trying to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On  XXXX / XXXX / XXXX , I discovered that a collection has appeared on my   XXXX   credit report. I have no idea what the collection pertains to.     The collection shows the amount of {$100.00} and an original date of  XXXX   XXXX . However, no account number, contact telephone number, or contact address is available. If I am responsible for the alleged debt, I should have been notified by letter of the existence of a collection. However, to date, I have not received prior notice of a collection account. Therefore, I have never had the right and opportunity to dispute the validity of the alleged debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: CT
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:
In or about XX/XX/2021 XXXX XXXX XXXX opened a fraudulent account without my permission. Credit bureaus XXXX and XXXX were notified promptly, and immediately removed the fraud credit card & reporting from my account. However. Experian visibly removed it from the online reporting and on XX/XX/2021 I was informed by an Experian Representative that, a late payment from XXXX XXXX XXXX appears on my Credit Report as 60-90 days late. As a result of this malicious, retaliated actions of Experian, 2 of my credit accounts limits were decreased. Now as a result of Experians fraudulent actions I have to monitor my credit reporting daily.

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 2016-03-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to receive my free copy of my Equifax credit report via XXXX. I was prompted to submit additional information via regular mail in order to receive the report. I called the number to speak with a live agent ( XXXX ) XXXX. Once I got a live representative she was unable to provide me with my report as well even though I provided her with all of my identification information. I would like to pay a medical collection that is reporting only with Equifax. I want more information about the clinic/ collection company whom I can pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed the information for accounts that were opened in my name  by someone who stole my identity.   You guys had removed the XXXX accounts for XXXX and reinserted them..  I will say this again.. Again.. And again..  I have never lived in New Mexico and I never went to the doctor in XXXX NM.  I have filed an identity theft report with the FTC and with the XXXX NM polcie Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Dear Consumer Bureau, I ask for you help as my husband and I are trying to purchase a home with both of our credit. I sent Equifax a letter explaining items on my credit that do not belong to me. I have filed a police report with the XXXX XXXX Police Department and have also sent a copy of the police report to Equifax. Since XXXX XXXX, I have been disputing with Equifax and they have not removed a judgment account associated with a XXXX credit card that does not belong to me. They have removed the XXXX credit card but not the judgment which is linked to this XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I told this company yet again as I have been telling them for almost a year that I have pages of inquiries that are not mine. My husbands ex wife at some point ran our credit over and over in an attempt to mess up our credit rating after she was served with child support papers. Since then I have tried to get the reporting agencies to remove these fraudulent inquiries. All other reporting companies have complied except Equifax. Equifax almost cost me being able to get approved for my home we just bought. I am a XXXX and have been for 10 plus years, my husband is XXXX and all we are trying to do is live our life. We pay our bills and I do n't think It is fair that I am penalized for things I did not do. This company refuses to do anything about this. Everytime I file a complaint all they do is send me a paper that says " inquiries are of factual record '' and they ARE NOT because I did not give consent in any way. Verbal, written, implied or otherwise. It 's like these companies just do n't care that they report wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Sterling Infosystems Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I XXXX for a XXXX in Colorado at a company called XXXX XXXX XXXX. After waiting for three long weeks from the background check company named XXXX the company exercise their right not to hire me or whatever that is. Ive been exercise my rights and requested a copy for myself, thats when I noticed that they were able to see completed misdemeanor charges all the way back to XXXX. I have not been able to seek employment that my educational and experience level should have because of these background checks. I thought that after seven years things go away and are unable to be researched by background companies. I really need help I deserve a good job and its been so hard to get it and I dont think Im being treated fairly because companies are seeing mistakes I made from almost 20 years ago. 
I followed there rules to dispute and wrote to them & now Im here with no reply still XXXX and very tired of fighting charges from XXXX! 

Please help me.

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 2021-06-22
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with UN COLL XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX** Amount Disputed : {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX from XXXX County XXXX XXXX Kentucky. I originally was told by XXXX XXXX XXXX Owner and General Manager that I was buying the vehicle for {$10000.00} and financing with Huntington Bank a small loan of {$1000.00} after putting down {$9000.00} cash. I later checked my XXXX XXXX XXXX sales sheet and discovered that the dealership with Huntington Bank 's assistance copied XXXX different sales sheets together and falsified the amount that I purchased the vehicle for from this dealership. I have faxed a copy of this false document that surly Huntington Bank did see in processing my car loan with them. I also discovered that the dealership forged my name on a XXXX fast cash loan document for another {$3500.00}. XXXX has told me they have started a bank fraud investigation against this dealership in this matter. I am XXXX Years Old and just got out of the hospital for two weeks and XXXX. Huntington Bank now has me owing them a car loan to them that my name was forged on their loan documents, clearly also the dealership used a false sales document that ultimately has me owing over {$23000.00} for a XX/XX/XXXX XXXX that has a blue book value of less than {$6000.00}. 

Huntington Bank and XXXX XXXX XXXX committed bank fraud against me and actually according to XXXX had even their money sent directly to the dealership and at no time does this money show up and is accounted for in this transaction. I have also filed a Complaint against the dealership and asked the State of Kentucky also to investigate this situation. Huntington Bank has me paying the Dealership a large amount of Dealer Reserve with an interest rate of nearly 5.0 % for 72 months even though my credit score is XXXX XXXX. 

I have asked the Dealership Owner to take back this vehicle since they committed multiple counts of bank fraud and the Owner has simply just threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Machol & Johannes, LLC
State: WY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I was served a garnishment by a local law firm by the name of Machol & JohannesLLC. 
In speaking with them I specifically told them this was a case of fraud by a family member back XX/XX/XXXX. I provided them with proof from the XXXX Police department that I was a victim of identity theft. I showed them the proof of this and from each bureau for the card in question. The bureaus did a full investigation and deemed this as not mine and deleted the account immediately. I was told they would not sell the debt due to what happened. Companies like Machol & Johannes do what is called absentee judgments to try to scam people stating they knew of the serving etc.. It is common knowledge they look for easy prey. I am not easy prey but rather a victim of ID theft over 9 years agio which makes this debt uncollectable in that fact alone. I want them to drop this case as it is fraudulent reporting to the courts and exceeds time limits to collect. I want all {$720.00} taken illegally from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
refer to Complaint number : XXXX which you closed without resolving. You allowed the company to tell you I paid late or short when I provided you proof I paid in full. You need to keep this complaint open until it is resolved in its entirety. I provided proof that it was paid in full BY THE DUE DATE. They said it was late or short. Since that was not factual, it was your obligation to contact them again. I now owe over {$60.00} in late fees and my credit was damaged. I need you to have any balance wiped off since late fees and interest should have never been charged since the card was paid in full by the due date and leave this open until the entire balance is wiped off and my credit report is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX a derogatory mark was placed on my XXXX  account regarding NTL recovery agency. This company violated my FDCPA rights by failing to 1. Send a 30 day letter to inform me of the debt 2. Also failed to validate debt 3. Failed to provide proof of their ability to collect in my county 4. Placed my account on my credit report

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 2017-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In  XXXX     2017 i attempted to make a payment to my capital one accounts, after the payment submitted I realized u had used the wrong account for the payment account and I was unable to change it. So the next day I made a payment with the correct account and I thought everything was fine. Capital One re ported me as 30 days late for the month of  XXXX . I have never been late in the 2 years I have had these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Multiple years ago I had financial crisis, was about to go bankrupt, and missed many HOA payments. Later when I graduated from college and was able to pay, I made restitution with the HOA and payed XXXX of dollars in back fees. 

However without my knowledge or constant, the mortgage company paid the HOA fees and both companies still let me pay the back fees. So now that I am XXXX dollars away from complete I got my 15 year mortgage loan, Chase Mortgage is claiming that I owe over XXXX dollars in corporate fees. 

At the time when I repaid the back fees, I enlisted a Nevada attorney named XXXX who handled the communications. Now that lawyer will not return my calls. 

Nobody at Chase Mortgage will speak to me except the " debt collector '' who expects me to just come up with a wire transfer of over XXXX. 

Chase sent back my last mortgage payment and now is telling me that it is late. 

I feel that I am the victim of predatory lending scam to steal the small townhouse that I have faithfully paid the mortgage on for over 15 years. 

Please help me! Please launch an investigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
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:
SO I have been receiving calls that i'm applying for car loans and i'm at work and i called the credit bureaus to have an fraud alert put on my accounts and to notify me if anyone tries to apply for credit but that went in vein. I have 31 unauthorized inq from car places that i didn't do and the police said I can't get a police report and the credit bureau is saying i need it in order to have these removed so I stuck and not sure where to go from here. I just would like for all the inq to be removed from my equifax account. ( 31 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chexsystem has posted wrong information to my report and refused to remove it has not sent me proof that the information is correct nor has it given me a chance to give any way to call them to speak to a human to work out the wrong information

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 2021-06-22
Company: FORD MOTOR CREDIT CO.
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: Account status incorrect

Complaint:
Ford is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: Fedloan Help
State: NJ
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 have student loans totaling about XXXX dollars that were all consolidated back in XXXX with XXXX at a great rate of 1.75 and I would be paying like XXXX a month for like 23 years. I was fine with it and paying monthly for 7 years. 
Then, I was contacted by FEDLOANHELP.ORG ( CROOKS ) to consolidate loan under a new federal program that would basically mean I pay the same amount but only for ten years. It was a plan for Obama to get all Americans out of XXXX debt in ten years for those who qualified. I recently got destroyed in business and was happy to hear about this and said sign me up. They took my tax info, pay stubs, verified who I was and what I owed and then came back with approval. They took over payments seamlessly and for all of XXXX I thought I was in the program paying monthly as usual. Then, I got a letter from XXXX saying my deferment period is over and I need to start paying. I contacted fedloanhelp to verify what I was paying and they said a computer issue put me in program but did not pay off my old debt and now I can not be part of the program. I contacted XXXX and they gave me a new rate based on where rates are now which 5.375 about 3.5 points higher than I previously had. Then, I was owed a refund from FEDLOANHELP on all funds paid but then after 30 days they said lack of funds be another XXXX. Then, after XXXX more they are saying bankrupt now. However, if call they are still pretending to be working and taking new clients. Now, I am back to my old XXXX loan year later with a new higher rate and everything I paid last year was stolen and not towards any loan of mine. They do not call or email me back on anything. The Thieves working as normal people are listed below but this is who I left off with XXXX XXXX who sounds legitimate on phone and tricked me completely in to waiting 60 more days while they continue to rip people off. XXXXXXXXXXXX Please make sure they are shut down so no one else sends money to these organized crooks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: BMW Financial Services NA, LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My payment with BMW Financial Services is due on XX/XX/XXXX, account number XXXX. The vehicle is not in my possession, it was not able to be registered due to past due property taxes and the dealership is well aware of this. They have the vehicle in storage until taxes are paid. However, the tax bill is quite high and can not cover car payment as well. The tax bill is around XXXX and do not have enough to cover both. I need payment deferred a month to XX/XX/XXXX in order to buy time to pay taxes. I believe this to be reasonable, considering I do not have the car in my possession and they can verify this with BMW dealer, BMW of XXXX. They are also looking for a payment on a previous account, XXXX, which was paid off by XXXX. However, a small amount was left over, around XXXX I believe. I do not have exact amount available to me at the moment. The GAP company, XXXX claims, paid out the claim with no benefits so amount was not paid out. Their reason ( s ) for non-payout vary and are inconsistent/bogus. Please advise BMW Financial Services I refuse to pay and if they are still seeking payment they need to contact either XXXX and or XXXX Claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Bread Financial Holdings, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
i received my statement for my XXXX XXXX store credit card. the statement billed XX/XX/XXXX with a total balance of {$75.00}. On XX/XX/XXXX, I logged on to my online account to pay the balance in full. My new statement billed XX/XX/XXXX and i'm being charge a minimum interest charge of {$2.00} on a {$0.00} balance. When I called to dispute the charge, they informed me it was residual interest and they couldn't reverse the charge. When I log in and click " pay in full '' it should pay in full. I shouldn't be getting surprise interest charges for a balance that was paid in full well before the statement close date.

Company response to consumer: Closed with explanation