BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
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: Personal information incorrect

Complaint:
The following addresses are not my addresses and never have been : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX , NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX These addresses are not habitable addresses as they are either USPS P.O. Box or XXXX  shipping location. The last time I checked, I can not reside at a XXXX  or USPS location. Additionally, I have contacted and verified with all my banks and lenders that these addresses were never associated with my name or accounts. Historically these incorrect addresses slow down my FBI background checks and are not places that I ever lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XX/XX/XXXX, I contacted my student loan servicer Nelnet regarding my late student loan payments. It was agreed upon that my loans would go into forbearance. I later received documents dated XX/XX/XXXX that my loans had been placed in retroactive forbearance, with start dates of XX/XX/XXXX and XX/XX/XXXX Despite this, my server continues to report my loans as late for the dates covered by my forbearance. On XX/XX/XXXX I contacted Nelnet regarding this and was informed that they would not update my account information and would continue to report multiple late payments despite the fact that my forbearance period covers the dates they are reporting as late. Nelnet is now reporting my loans as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: R & B Corporation of Virginia
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent three certified letters on XX/XX/2021 to Credit Control CorpXXXX and due to noncommunication of the letters I sent on XX/XX/2021, a copy of which is enclosed along with a copy of the ( certified mail or fax receipt ). I sent you a letter requesting validation of the above account and was received by them on XX/XX/2021. 

One collections was removed due to not being able to validate the other two still remain. 

My request was to : -Please provide a breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me. 


Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to have my debt validated, and you are obligated to respond within the statutory time limit. 

I then sent a failure to validate letter on XX/XX/2021 and was received XX/XX/2021, which is also attached as ( letter 2 ) also attached the certified recipets as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have had a loan with chase for about 6 years. Over this time there has been times we could not make our payments. This last time they had us re-finance. We were not told there would be a {$9000.00} addition to our note. XX/XX/XXXX my principal balance was XXXX. When we requested the pay off amount XX/XX/XXXX it was $ XXXX..We have recently sold the house. When I called Chase to give them our new mailing address for the escrow I was informed there was n't any funds in the account & that I owed them {$8.00}. Even though on my statement from them for XX/XX/XXXX I show a total of XXXX They said they paid my homeowners insurance which was {$2100.00}. Now I can do the math and the math does n't add up. I have been requesting all the documents from Chase & they will not send me what I am asking for. Now when I go in online I get a error message. I have attached all the info to prove there is wrong doing & Fraud on Chase 's part. I can send you more info if you 'd like. No one can seem to answer any of my questions when I call & trying to get help is unheard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please help. I filed a dispute with the credit reporting agencies about a balance still being reported as outstanding, after it was cancelled and forgiven by Chase. Also I received a XXXX from Chase for tax reporting, but now Chase is saying that I still owe them even though they issued me a XXXX with a code ( g ) of no further collections. I am reporting this as income for the year 2015. So I 'm confused. I thought that once the XXXX is issued that Chase would show the balance as XXXX on my credit reports, but now they are saying that I still owe them and have to report it as income. So I 'm confused. If I have to pay taxes for the XXXX issued amount by Chase, should n't the balance be reported as ( XXXX ) XXXX balance on my credit reports and is it correct to be reported as a debt and as income? I see this as double reporting. So I do n't understand. If you could help me with resolving this issue it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Us Bank has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Us Bank continues to verify the account with the burueus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2016-09-19
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I checked my credit report and NCC Business Services was on it. I have never done business with this company. They never sent a notice of right to dispute. I sent them a certified letter advising them that they never sent a dispute letter. My 1st letter is dated XX/XX/2016. They sent the dispute letter dated XX/XX/2016, after I told them they never sent a dispute letter. I then sent another letter dated XX/XX/2016 in response to their XX/XX/2016 letter. Please see the attached documents. 
PLEASE HELP I AM A XXXX THIS IS XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a hard inquiry on my report that I did not authorize. I called XXXX and spoke with a representative who said that they would note that I called and that I did not authorize this inquiry on my report. I followed up with a letter explaining the same thing. I have not received a response from XXXX and it has been over 30 days. I have uploaded the letter and the certified mail receipt. This inquiry needs to be removed because I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: PA
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
RUSHCARD. Need I say more? XXXX XXXX is " working so diligently '' to " fix the problem. '' A problem he probably caused. What does he care - he 's LOADED??? He has no problem getting to his money and paying his bills. Our money - on the other hand - which is supposed to be on our RUSHCARD is not there. Where is it??? Why ca n't I pay my bills? Do you know how hard it is to buy gas and food with NO MONEY?!? 
RUSHCARD XXXX and I ca n't wait until the " straighten it all out '' so I can RUN FAST FROM RUSHCARD!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
This account is being reported as Collection/Charge-Off.

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 2021-08-30
Company: HYUNDAI CAPITAL AMERICA
State: CA
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:
In XXXX of XXXX, I noticed a car loan was taken out in my name from Kia Motor Finance. I have never done business with Kia or its partnerships. I have filed many police reports and FTC reports trying to dispute this account as identity theft. I have been fighting ID Theft since XXXX of XXXX. I am trying to get loans and establish business credit but this account is affecting my financial abilities.

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 2021-08-30
Company: LendingPoint Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX i came across a person that was advertising a opportunity to join invest into a business that was being promoted as a " online franchise '' that was going by the name of XXXX XXXX XXXX. After getting a bit of information from the guy through XXXX and seeing a couple of videos of him showing " income proof '' from people i was a bit more curious. He convinced me that the online franchise has a team of sales reps for people that close sales for you for people that have no experience closing deals and even had me talk with one of their top closers. After being convinced and having a long thought and being in a desperate situation they even metioned that they have connections that can get me funded so that i can get in on a there higher level packages. I ended up taking a loan out of XXXX with who they referred me too which was a lender that goes by the name of lending point. I was funded on XX/XX/XXXX in the amount of XXXX and was told to split that check in 2 and send the 1 check in a cashier check to the person that referred me to the system and 2 the person i talked to on the phone which was the closer. The rest of the amount was supposed to purchase traffic through traffic vendors. In which they provided within the system that linked to XXXX  XXXX XXXX XXXX..I was effected by the pandemic and was stuck paying off the loan. I have basically already payed to the lender about XXXX and it doesn't even seem like it has even put a dent on the loan and am still struggling financially from the impact that the pandemic has had and am beginning to get worried. I believe i had sent out a complaint to the ftc about this some time around XXXX and at this point have been trying to find and research for multiple alternatives because i believe that i shouldn't be paying back this loan when i was basically scammed. It was XX/XX/XXXX when i withdrew the 2 cashier checks and it was XX/XX/XXXX when i had the 2 cashier checks over nighted to the 2 addresses that iwas told to send them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently had my mortgage sold. I had no idea this was happening. I was never notified. Now they have paid out numerous insurance mishandled my money, lied, charged me late fees, increased my house payment and refuse to help me. I have had over XXXX mortgages and I have never had so many issues. Loan Care LLC is scamming and stealing. How can I fix these issues. They are stealing from 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 2016-03-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a electronic payment online with my bank on XXXX XXXX, 2016. My bank notified me on the XXXX XXXX, 2016 and told me the payment will be rejected due to an error on the bank not telling/or putting it in writing that thier customers can not set up payments with all accounts. I contacted Carrington Mortgage to inform them of this and I was told that as long as I get the payment in I will be fine. I went to a XXXX XXXX at XXXX and paid the mortgage payment as soon as I disconnected with Carrington Mortgage. I called Carrington Mortgage back and informed them of that the payment was submitted and they confirmed they received it. I then spoke with the manager XXXX who informed me that I would need to send in the information in pertaining to my bank so it does n't go on my credit report. I sent the information in and called and confirm they received it. I was told by the resolution department and the manager that this would not go my credit report, but Carrington Mortgage sent me a letter today informing me that the late payment will go on my report even though it was my bank'statement fault and provided a letter showing that. My fiance and I are XXXX and Carrington is treating us very horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I had fraud alert on my three credit reports however somebody was still able to get up to 45 inquiries on my equifax I wrote and disputed it and told them it was fraud the other agencies helped me and removed them however equifax argued with me transferred me four times and then the manager hung up on me ultimately which was discouraging

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Good Evening, I am complaining against NATIONAL CREDIT SYSTEM for using depictive tactics to collect a doubt that I was never notified of until more than a year and a half later on an apartment. 

Back ground : I resided at XXXX XXXX XXXX for 4 months in XXXX XXXX for an internship. I moved out on XX/XX/XXXX. I turned my keys in then. Electricity was turned off as well. I forwarded the mail in case there was any bills. 

I never received a notice of any past due items from the apartment, as required by the Tax law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX page 20 ). 

I since then moved to XXXX  to work at the XXXX, and during telework I received a call ( on XXXX ) saying that I was in collections from National Credit system using a Florida number ( XXXX ) XXXX for an XXXX company. On the XX/XX/XXXX call after being told that they did not have to prove that the date was correct ( XXXX ) for the move out, I told the collections company to only contact me through the mail. They have since contacted me from the Florida As stated on the phone with XXXX XXXX on XX/XX/XXXX, I contest these charges. I gave notification on XXXX that I was moving out in 30 days. I actually turned in my keys on XX/XX/XXXX, before I had a job interview at XXXX. I paid rent completely through XX/XX/XXXX ( attachment 1 ). At that point all fees associated with normal day to day living ( for all previous months ) had been covered. 

The fees that are being charges are padded and I told XXXX XXXX on XXXX that. Case in point, On XX/XX/XXXX I received an email ( from XXXX XXXX ) saying I owed until XX/XX/XXXX, in which I responded back that I only owe 30 days since I was not under a lease. I also asked for a prorated cost of the 5 days and never received a response ( attachment XXXX ). I will not pay a late fee associated with this since the request for a prorated bill was requested beforehand. 

I dispute all charges, including charges such as a VCR. XX/XX/XXXX does coincide with the date I stopped electrical service. With the charge from XXXX stopping the Monday after I moved out, this does give evidence that the Landlord knew I was no longer residing at the residence and notice the electricity was in their name. Which they did not legally This bill has been padded and is not correct. As I told them on the call. I also submitted my contestation of the debt to the email account that they used. 

Besides the business trying to collect a debt they are not legally able to, I believe they are using deceptive practices ( numbers from outside of their state ), not allowing email communication even thought they verified the debt through email, and

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ARS Account Resolution Services our of XXXX and XXXX is trying to collect on a Medical Debt that they refuse to validate for me. I have asked them and emailed them several times to supply me with the original signed document stating that I requested medical services. Going one step further since this is a medical debt I have asked for the signed HIPAA release form stating that I gave permission to the doctors to share or disclose any of my medical file which includes but not limited to Name, Address, Social Security number, Medical XXXX and even billing amounts. All this information is to be protected under HIPAA and this company is in direct violation of that. I also call them and tell them that I am going to record my call, and they hang up on me. I do this for my protection. They also tell me they do not have on record the original creditor or doctors name or number for me to call myself to verify this debt. But ARS will send me a letter stating that they have confirmed this debt which is impossible. They have put this on my Credit Reports as well without following proper collection procedures and ignoring my requests for physical verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.

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 2016-02-11
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is serviced by LoanCare. My house initially had PMI, but I sent a request on XXXX XXXX, XXXX requesting PMI termination. My house was then appraised by an appraiser they sent and found to be below 80 % LTV so the appraiser recommended to LoanCare that PMI be removed. I received no confirmation, but assumed it had been done. I noticed looking at my yearly mortgage statement in XXXX XXXX, that I was still paying PMI. I sent a letter again asking why it had not been removed. I received a response saying my PMI would be cancelled. When I looked at my yearly mortgage statement for XXXX, I found out I was STILL paying PMI. LoanCare has not done anything about its removal after several requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection company said that the hospital had a contracted Dr. on duty the night my daughter was seen at the hospital. They said health insurance paid the hospital bill but not the separate Dr. bill. The hospital is no longer in business. I ca n't get a hold of them to fight this bill and I am desperately working to improve my credit. To add insult to injury I was n't even the person who took her to the hospital that night almost 5 or 6 yrs ago so I did n't even sign the paperwork. Their are approximately XXXX separate accounts.

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