BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2015-04-30
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Recently, I deposited a check from my XXXX XXXX account to my Union Bank account. The day after funds transfered to Union Bank I noticed my funds were on only partially credited to my checking account. A Union Bank branch manager told me that the partial credit would be on hold for 2 - 3 days after funds transfered in. How many days does Union Bank legally have to hold client funds once the transfer has been credited to thier ledger?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: FIRST FINANCIAL SERVICES, INC.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I pulled up my credit report and realize that first financial resource, Inc. Is reporting a debt of {$630.00}, the original creditor is XXXX, I contacted the original creditor and they told me that the debt is too old and it 's not in their system anymore because first financial resources took it over. So I contacted first financial resources Inc. and I let them know that I have insurance and it usually covers all my medical bills. They told me that maybe I did n't have insurance at the time of the service. I then contacted my insurance company which is health safety net I spoke to XXXX she confirmed that I had insurance from XXXX XXXX, XXXX till XXXX XXXX, XXXX and then I renewed it XXXX XXXX, XXXX to XXXX XXXX, XXXX. The service date from skin pathology laboratory was on XXXX XXXX, XXXX and also XXXX XXXX, XXXX. Which means I was covered during that period of time. So then I called first financial resources to explain to them that I was covered during that period of service but they told me that maybe the doctor sent the XXXX outside XXXX XXXX XXXX therefore the hospital is not responsible for this bill. Please understand that I am a XXXX I have been treated a XXXX XXXX XXXX I have had over XXXX XXXX done at the XXXX without any problems from XXXX until current time. I have had XXXX XXXX XXXX and XXXX my insurance always covers me I believe that the doctors office failed to bill my insurance instead they sent that to the wrong address, I was not aware of this debt and its 6 years old. But they feel that it 's my responsibility for their mistake. The type of XXXX I was diagnosed with was due to stress I 'm XXXX free now I beat it, but this company is putting so much stress on me and ruining my credit. I 'm starting to worry about my Heath and getting sick again. I do n't think this bill belongs to me and if you did I want solid proof so I could submit it to my insurance company ( no just a copy of a bill ). Thank you very much for your help.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-21
Company: United Collection Service, Inc (FL)
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a victim of identity theft years ago that has since been handled. I made police reports and several accts were investigated and removed from my credit report. This last acct is for an ambulance ride in Florida i did not take. I have disputed this acct several times but they refuse to remove it. I was not even a resident of Florida at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
I purchased a XXXX from Best Buy using their 18 month deferred interest agreement. I was unable to pay the balance in full by the end of the promotional period and was charged {$940.00} in interest. I called Best Buy to see if they could reduce the interest payment. On a {$2000.00} laptop, I was charged {$1000.00} in interest.

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 2017-04-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Victoria 's Secret - Comenity Bank My account is showing a balance which consists of numerous late fees ; however, I paid the balance of {$110.00} in XXXX. 
In early XXXX, once I realized that I was behind a payment, I called the Customer Service number about my payoff, and asked about having two of the late fees removed because I have been having US mail issues and not receiving my statements. I was told that they would be removed, after my payment was received. With that late fee credit ( {$50.00} ) and the interest charge for them ( {$3.00} ), my balance would be {$0.00}. 
Since that time, my account has accrued a late fee each month ranging from {$27.00} to {$37.00}, to the amount of {$230.00}. 
In early XXXX, once I realized that my account was still accruing fees, I called the customer service number and I was told that no one by phone could help me and that I needed to send a letter. I did send a letter and received a response stating, " A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fee from your account. '' However, within a few days of receiving this letter, I received a XXXX billing statement showing on XXXX, that I was credited for two late fees and finance charges totaling {$75.00}, but still showing a balance of {$170.00}. I again called and spoke with a Supervisor and was told that the late fees and finance charges are a legitimate balance. 
How can they continue to change me fees? This credit card bank should have never been able to charge me any fees since I paid off the balance on my account in XXXX. They are now saying that they can not refund anything and I must pay the balance due, which is all fees that I have been charged by them. I did offer to pay the {$50.00} late fee that was charged in XXXX to try to satisfy this account, but they would not remove the other fees that they have charged since their customer service representative did not do what she stated that she would do. I should have a XXXX balance/paid in full on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: DYNAMIC RECOVERY SERVICES, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed a debit and requested validation within the 30 day window on XX/XX/2016. I sent the letter via fax ( I have the confirmation ) and mail. The collection agency sent me a letter stating I was being non-compliant on XX/XX/2016. I sent a second letter requesting the validation on XX/XX/2016. The collection agency has not yet provided the requested information and continues to call me everyday some times as much as 4 times a day and telling me that they will not send the information and that my dispute is denied.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-12
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Here is the letter I sent the collections agency. It describes the situation well. 
XX/XX/XXXX REGISTERED MAIL Transworld Sys XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam, Today I was reviewing my credit report and I learned your agency filed XXXX collections on my credit report on XX/XX/XXXX. At no time did I receive anything from your company stating that a collection action had been filed nor have I been given an opportunity to determine if these debts were legitimate before you placed them on my credit report. 

In researching these bills I have discovered that these collections were sent to you by XXXX XXXX XXXX XXXX, XXXX a billing company for XXXX XXXX XXXX, an in-network XXXX XXXX XXXX XXXX. Despite a date of service XX/XX/XXXX XXXX XXXX failed to bill my insurance until after this account was assigned to your agency despite being given the correct billing information many months earlier. 

It appears that shortly after this account was sent to your company XXXX XXXX finally billed my insurer and was sent payment. On XX/XX/XXXX, XXXX, my health insurance company sent XXXX XXXX full payment for all services rendered under all three bills. Under the contract XXXX has with XXXX XXXX XXXX XXXX he has agreed to accept a discounted amount from members of the network, he was paid that rate in compliance with the contract however your company is attempting to collect the difference between the contracted amount and the amount billed. Your company clearly is aware of these payments because you reflect the updated balance on my credit report, this demonstrates your companies complicity in attempting to collect a debt you are not entitled to. 

XXXX XXXX and XXXX XXXX have been paid all amounts legally due them under the in-network contract he signed, neither your company nor any other party is entitled to collect any further amount. There is no basis for this collection action whatsoever. I demand you cease all efforts to collect and remove all derogatory information from my credit report immediately. Failing to do so will result in a complaint being filed with the Consumer Protection Financial Bureau. 

I have enclosed the explanation of benefits forms providing evidence that these bills have in fact been paid, had XXXX XXXX and XXXX XXXX properly billed the insurer they would have been paid within 30 days of the services being rendered like every other party that provided service during this admission. 

Any correspondence regarding this matter must be done in writing. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I filed a Chapter XXXX bankruptcy and the court created a payment plan for me to pay the court and Wells Fargo a specific amounts of money on a monthly basis until my debt was pay off in 4 years. I follow the courts orders and paid off my debt to the court and Wells Fargo ; there were no other creditors. Once I fulfilled my debt obligations, the case was discharged on XX/XX/XXXX. A couple of months prior to my discharge the court sent me an over payment check in the amount of {$79.00} and Wells Fargo sent me a {$700.00} check for over payment. However, after my case was discharged Wells Fargo continued to send me bills ; some that stated that I do n't owe anything and others that shows different amounts that Wells Fargo claims that I still owe them even though the debt was discharged. At the end of XXXX I received 3 more letters ; 1 that discussed a " Lien Release '' stating that Wells Fargo will file a XXXX, and another statement stating that Wells Fargo still owes me an additional {$570.00} and another that stated that I owe Wells Fargo {$7800.00}. 
On XX/XX/XXXX I called Wells Fargo and spoke to the Bankruptcy department. I ask them why they were still sending me bills after my case was discharged, I was told that they did n't know that the case had been discharged and they will work on getting their error corrected. However, instead of correcting their error as promised, Wells Fargo file documents with the County-Recorder to have my name removed from my property at XXXX XXXX, XXXX XXXX, CA XXXX, changed to my deceased son 's name ; I received a letter from County-Recorder 's office in the mail on XX/XX/XXXX. 
I would like for Wells Fargo to acknowledge that I do not owe them anymore money and to abide by the court order and stop sending me bills and statements asking me for more money, since I have already paid off the loan and the case was discharged on XX/XX/XXXX. In addition, send me any other money that they owes me and close any case that they have open in regards to my home at XXXX XXXX XXXX, XXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: PA
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:
I have found that the reporting agencies Experian XXXX and XXXX or in violation of my consumer rights according to 15 u.s.c. 1681 d

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 2016-03-24
Company: NATIONS LENDING CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
First off I did not receive disclosure XXXX days prior to closing neither did seller. Then at closing my disclosure numbers were different from sellers. I thought the figures should be the same. We did not see this until a few days after closing in meeting with sellers. They deducted {$4800.00} from sellers check that was a deposit already taken of top of loan. Also sellers copy of disclosure date issued XXXX and it is a faxed copy which I did not see at closing. The date issued on my disclosure is XXXX so why were these numbers not on my disclosure and mine is a original and not a fax.

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 2017-03-30
Company: Synovus Bank
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a home from citimirtgage in XXXX. I joined the XXXX in XXXX. I was not receiving a housing allowance due to the fact I was n't married, I made my last payment XXXX. I tried to get citimirtgage to take the home and sell it and I would pay the difference. Citimirtgage had me fill out an income summary and decided I should selll the home through a real estate company. I contacted a real estate company and they required me to put a roof of the home before they would sell the home. I could not afford to do so. I contacted citimortgage and explained this. Citi said they could only consider a short sell after I listed the home with a real estate agency. I then offered out the home up for sale personally. Citi said that would not constitute i attempted to sell the home. I can not afford to pay for the home and would like citi to recoup some of their money but I can not resolve this issue with their process. I also believe that after so many years citi is required to charge the amount off and consider the loan bad debt. This would mean citi is in violation of the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TN
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:
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX, Experian, XXXX XXXX are reporting incorrect information they have allowed XXXX XXXX XXXX. XXXX XXXX XXXX. I have asked both companies for validation of these debts with the original contract and they have refused to provide the original contract proving I owe this debt.

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 2016-03-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Midland credit management has continually called me on my mobile phone after I not only registered with Do not Call, but told them not to call me during work hours on my mobile phone. I told them I prefer to deal with the debtor directly and for them to remove me from their list. In addition, I moved and was with out a LAN line for several months. Once the LAN line was up, they immediately started calling the new number. I again explained that I was going to deal directly with the company and not them, yet they still continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I filed for the Federal Forgiveness Program with the Education Department, and received a certification that my employer and my loans qualified under the program. My loans were automatically transferred to FedLoan. FedLoan sent me a notice stating I did n't qualify for the program and that they had increased my monthly payments. I did not receive an explanation for either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Texas Guaranteed
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
While I was paying on a credit recovery plan on my Texas Guaranteed loans through XXXX I was under the impression that once I finish that plan that I was going to continue making payments to XXXX to finish paying off my loans. However once I finished with the plan they transferred it back to TG without my knowledge. I had to actually call TG to find out what had happened to my loans with them. Had I been informed that would have happened in the first place then I would n't have had issues paying TG right away. This switch also happened right when we moved from one state to another so it took some time to get it straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Trans Union credit report have false information. Their credit information is never updated properly nor is the information dated correctly. Trans Union has been destroying my life for over 25 years with false information, names on my credit report that I have never used, accounts on my credit report that are not current or up-to-date in status or information. Falsely stating that I am behind or missed payments. For the last several weeks trying to contact someone in their customer service office to question them about why my information is incorrect and false information on my report I have received no help. I am seeking {$1.00} million restitution for being denied credit that I should have been approved for including home. I am being denied these things because I am XXXX and because I am XXXX. I know this because Trans Union representatives who just take messages to transfer to upper management have previously stated that their company goes through social media post. My credit score listed with XXXX is a XXXX My credit report listed with XXXX is listed at XXXX. As XX/XX/2022 my Credit report with trans union states a XXXX. Transunion is not only a XXXX entity, it is also a discriminatory entity that works with XXXX XXXX it is also listed in a federal lawsuit with XXXX XXXX in discriminating against XXXX and their credit reports received when trying to get credit for housing.

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