BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all Experian, XXXX, and XXXX  credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX XXXX  and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX  's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.

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 2020-10-02
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Auto Financing Companies Inquiry date :XX/XX/2019

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 2017-05-22
Company: Johnson Mark LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX / XXXX /  XXXX   Johnson Mark LLC pulled my credit without my knowledge.

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 2015-11-02
Company: Hillcrest Davidson & Associates
State: TX
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:
Disputed collection on account # XXXX. Account opened in XX/XX/XXXX by XXXX XXXX ( family member ) before I owned the house. I purchased the house in XX/XX/XXXX. They can see that the debt was not mine, have said so to me on phone, but will not remove from credit report. They are trying to get me to pay the debt.

Company response to consumer: Closed
Consumer complaint received 2016-08-23
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took classes via a method I did n't understand in 2014. It was a vet difficult, online college program prepared by XXXX XXXX University. When classes were dropped, loans were not rebuked by financial aid and I think this is wrong. I am {$5000.00} in debt and I only passed XXXX classes -- I also only saw XXXX classes through. I do n't understand why I am not merely paying for those XXXX classes and the loans granted for them. What is the reason I have to pay for student loans for classes I did not complete? Loan is financed by Great Lakes. I had no understanding of loans and no family I could discuss them with but I believe that if I quick the class in time it is n't fair that I was still charged for loans that I never saw the light 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 2022-03-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After previously requesting that XXXX XXXX not call me and to use email as the preferred communication method, they ignored my request and continue to call multiple times throughout the day. In addition to ignoring my request to be contacted via email only, they contacted a family member via phone, notified them of the debt they were trying to collect, and tried to ascertain additional contact information. The phone call to my family member was received on XX/XX/22 on/around XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Company: E*TRADE BANK
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2016 someone made a few online purchases ( {$400.00} ) using my Etrade debit VISA card fraudulently. I called Etrade to report it and since then I have been trying to get reimbursed for my funds without success. I have been a customer of Etrade Bank for close to 11 years. This process has been horrible. I have been calling about every five days and the whole handling of my case is a disaster. They closed the investigation without telling me about three weeks into the process among many other excuses which are not going anywhere on getting my money back. The investigation was re-opened and the operator from customer service told me that he was sorry and that it must of been an internal error. I 'm still calling about every 5 days and only get excuses. What can I do to get my lost funds? 
Thank you for your help.

Company response to consumer: Closed
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: PA
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've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I booked round trip flight on XXXX XXXX on Chase travel website using my Chase Sapphire credit card points for XXXX persons. On return date, I could n't return due to sudden medical emergency with my mother. I contacted XXXX XXXX and asked them if they would rebook us, The agent told me they do n't provide any refunds for cancelation even due to medical emergency and they would n't rebook me. I had to return on XXXX XXXX and I paid for my return flight on XXXX. 

I filed claim with the benefit dept on XXXX XXXX for trip interruption/trip cancelation and I have sent them everything including the Chase travel vouchers and doctor 's letter but they have been playing game and they have been very dishonest since XXXX XXXX. 
The benefit dept continues to lie to me by saying the return XXXX XXXX flight was booked by XXXX XXXX and not by me. I have sent them my reservation document that shows I booked the return XXXX XXXX flight on XXXX XXXX website. 

I want full refund for the original canceled flight and genuine apology from all those agents that I spoke to regarding my claim. If they continue to choose to play game, continue to lie to deny my claim and not resolve this in the next few days, I will be taking legal action in small claims court for damages. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We took out a XXXX mortgage with Green Tree for our childrens school and medical bills. ( I 'm on the XXXX at the University XXXX ) I have written, called, Green Tree so many times and have gotten no response. All I wanted them to do is lower my interest rate of 9.65 to even 5 would help. I have never been late on a payment but its getting harder and harder to make those payments especially when principal is only XXXX from a payment of XXXX. Any help would be appreciated. I have told them when the transplant happens we may not be able to afford this with the medications being so high. I have NEVER heard back from them ... XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XXXX of 2019, Midland Credit has been calling me repeatedly on my home/work phone ( I work from home ), interrupting conference calls, calling before XXXX XXXX   EST, and even after XXXX XXXX  EST. These calls range from every hour to every XXXX minutes, 7 days per week. Occasionally I take the call and encounter a foreign person with a poor connection, it is difficult for me to understand the accent, or to hear beyond the poor connection. I tried a few times to propose a settlement, and they will not work with me but they continue to call several times a day, seven days per week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
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:
a claim of {$380.00} has been made by three ( 3 ) different credit collection agencies. Each claim the debt is for a failure to return equipment to XXXX. XXXX indicates my prior account is t a XXXX balance, Paid in full, with no money due on my account, closed over three years ago. These credit collecting agencies continue to sell the debt, knowing that there is nothing to collect. The agency name 's are as follow : XXXX XXXX XXXX, XXXX   XXXX, XXXX , Convergent Outsourcing , Inc .

The last company, Convergent Outsourcing , Inc. called numerous times, even after being told not to, and has written twice. I have sent letters of Denial concerning the Debt. I have been mistreated and spoken to in a rude manner by several staff member of Convergent. Convergent has been notified verbally and in writing that the debt they are claiming is in error. Convergent employee refuse to listen. As a former XXXX  XXXX  I have a suspicion that Convergent may be trying to perpetuate criminal fraud.

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 2017-05-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On  XXXX   XXXX ,  XXXX  I contacted chase auto finance regarding my  XXXX   XXXX   XXXX  financed through them. At that time I called to confirm what payment needs made to avoid charge off and the last day to make it. The rep advised that the payment was {$640.00} to avoid charge off and I can make a payment on Sunday  XXXX  via  XXXX   XXXX  or  XXXX . Meanwhile chase bank charged off my account on Friday  XXXX  the same day that I called and did not advise of this. They allowed me to send a payment on  XXXX  and did n't advise that it was charged off on  XXXX  and lied and said I had until  XXXX . I needed until Sunday so my paycheck was received Saturday in the mail to cash it and that is the only reason why I had to wait to Sunday. Meanwhile they received {$640.00} from me on Sunday but still have my account in charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-04
Company: United Revenue Corporation
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to the emergency room due to XXXX XXXX. I was the only one in the lobby for almost three hours, I had to continue to ask when I would be seen. Finally I get to the back and have to wait almost another hour. When the doctor finally came in, he looked at me strange and asked, " what is the bag for? '' I knew then, they thought I was XXXX and was looking for a place to spend the night. I said sir, I'm dirty because I do XXXX XXXX, it was shortly after I got to the truck stop I starting regurgitating. It wouldn't stop and I had a lot of it on my cloths. I was on my way to the shower, but I felt weak and might not be able to call someone for help. I then informed him I had XXXX XXXX, never had it before, and didn't know how long I would be there and I didn't wand to be in that condition for several days if I had to stay overnight. I, then informed him that I was a 50 % service connected XXXX veteran and had free treatment, but XXXX, TX didn't have a VA XXXX, so I ubered there since it was only XXXX miles from the truck stop. I informed him I had XXXX XXXX, that I needed him to treat me for it, and document it so I could get the XXXX XXXX to pay the medical bill. When I received the bill, which was fine I noticed he only treated me for XXXX. I called the hospital several times and asked them to amend the medical report and I would pay the bill. They informed me they couldn't because the doctor didn't conduct a lab test for XXXX XXXX. I informed them, that I had asked him to for documentary purposes, so I could get my money back from the restaurant. There fore, the doctor erred and I shouldn't be on the hook for the bill and unable to seek recourse because I don't have the proof I needed to get relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My complaint concerns my federal loan servicer, EdFinancial. Years ago, when my loans were first transferred to them for servicing, they issued a redisclosure statement that lowered my payments. Unfortunately, I did n't question it at the time, and ended up paying much more in interest than I should have. Most recently, in XXXX 2016, I decided to change my repayment plan from graduated to standard so that I would pay more toward my loans each month. I initiated the change via their website. However, it was only partially processed for Group A and B of my loan, not C and D. I sent three follow-up emails to resolve the problem, to no avail. Finally, I was able to get through to them on the phone in XXXX 2016. I was told that I could not participate in the standard repayment plan, only the extended standard plan ( even though they had processed a change to standard for Group A and B ). Most troubling was the fact that during the time when they should have been processing my request, they placed a forbearance on my account that I never requested nor authorized. When I asked the phone representative why that occurred, and why my monthly payments were not coming out of my checking account as usual, I was told that the forbearance was issued as a " courtesy '' to me because my monthly payment went up. I explained that I was the one who initiated the payment increase, and that I did not want a forbearance. I stressed that I wanted to pay down my debt more quickly. She then stated that it might take a month or longer to remove the forbearance from my account. Most recently, on XXXX/XXXX/16, the forbearance is still there, and I was sent another redisclosure statement which indicates that my interest rate was increased by 0.25 percent. Did EdFinancial penalize me for the forbearance that they placed on my account without my authorization? I see no other reason why my rates would suddenly increase. Since I made what I thought was a simple request to change repayment plans in XXXX, EdFinancial has sent me more than twelve different redisclosure statements, all with different information. I truly believe that they are not interested in helping me, the customer. They were upset that I wanted to pay my debt down more quickly, and threw up roadblocks ( delay in processing my repayment plan change request, forbearance that I did not want ) to interfere. I have every right to change my repayment plan at any time, without penalty. Their tactics are unconscionable. I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
As of currently the company has turned a XXXX XXXX XXXX XXXXXXXX XXXX  to my credit report under a debt collection agency called Arbor Professional solutions. Not only was I fully covered under a medical insurance plan that was never billed although presented but then it was placed on my credit report which medical bills aren't even allowed anymore. The company also tried to serve my parents with a subpoena to sue me for a debt that insurance should have and would have covered if proper procedures were followed. In accordance with the fair credit reporting act XXXX  arbor professional solutions, has violated my rights. 15 U.S.C 1681 section section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A sections 2 : it also states a consumer reporting agency can not furnish a a account without my written consent instructions. This is an error that is greatly affecting my credit score, my credit profile, my ability to acquire credit and my overall emotional state receiving daily calls and people coming to my home to deliver subpoenas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed 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