BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-06
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2016 I contacted Medical Revenue Service at XXXX. I spoke with a debt collector named XXXX and his supervisor XXXX. I called to see if a settlement would be acceptable. I was told that no settlement was available. I attempted to end the call. XXXX proceeded to take some brief financial information in an effort " to help me ''. I complied with his request. He gave me XXXX payment options : {$200.00} every two weeks or pay off the debt with a credit card immediately. He made it a point to inform me multiple times, in a surprising manner, that this has not been yet reported to my credit report. I refused the options. XXXX said he wanted me to speak with his supervisor XXXX. I complied. She proceeded to give me the same options. I had previously sent a written dispute of a portion of the debt and attempted to explain the dispute. I gave an example of one of my dispute issues. She said it did not matter because the hospital rendered services that they deemed necessary regardless of what I think or dispute. XXXX then proceeded to use credit reporting as a fear tactic to manipulate me into paying a disputed debt stating ( and the call is recorded? ) that she could n't believe this debt had not been reported to the Credit Bureaus but it will be now. ( Are n't there guidelines for reporting? ). I advised them both to let me be concerned with MY credit report in which I will handle. They continued to threaten to report the debt which they conveyed with doom and gloom if I did not succumb to their demands. 
I have no problem with a debt collector informing me of the consequences of not paying an obligation. To use those consequences as a means to collect a debt through fear is unacceptable and could be construed as harassment. I would not have called MRS if I did not have intentions of resolving the debt. 
Furthermore, the debt was disputed on XXXX XXXX, 2016, sent by certified mail with a signed returned receipt. The validation of the debt dated XXXX XXXX, 2016, that I received from MRS , is incorrect and invalid as the itemized billing statement for services rendered is incorrect and does not coincide with the amount MRS is saying I owe which may be in violation of section 807 of the FDCPA. ( see attachments ). 
I have now disputed this debt 3 times because of duplicate services performed by XXXX XXXX Hospital and their affiliates. Not once have these disputes been formally addressed by the original creditor or by those contracted by XXXX XXXX hospital. I am aware that by law the debt only has to be validated but one would think that to simply address the dispute properly to resolve this debt would save a lot of time, effort and money.

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 2017-05-25
Company: EQUIFAX, INC.
State: GA
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:
I have notified Equifax that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ECMC GROUP, INC.
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX disputing the companys assertion ( by letter dated XX/XX/XXXX ) that I owed {$710.00} on an unspecified student loan from the late XXXX, when I was enrolled in XXXX school. I had only two student loans throughout my 18-month tenure in XXXX school,  both of which were paid in full by XXXX. 
I sent a certified letter on XX/XX/XXXX, disputing the debt and demanding that within 30 days, the company send to me the following items : 1. The name and address of the original creditor ( The original creditor was NOT Educational Credit Management Corp.. ECMC was a debt collection agency that bought the debt from the original lending authority, which neither company has ever disclosed. ) 2. The signed loan documents and account number associated with the debt ; 3. A copy of the last billing statement sent by the original creditor ; 4. Documentation from the original creditor noting default, amount owed at the default, and the date and amount of any payment or credit applied after default. 
Not only did XXXX XXXX never provide me with any of the documentation I requested as proof of default on a 30-year-old student loan, but also the company did not respond within the allotted 30 days. In fact, the company did not respond at all, yet, somehow garnished my federal income tax return this year and took {$600.00} from me that, according to the Fair Debt Collection Practices Act, is not legally due the company. If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, which I did, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Verification should include at a minimum the amount owed and the name and address of the original creditor. None of this information was provided to me. The company can not legally garnish a citizens tax return without proof of the debt. This is egregious behavior and in violation of the law. 
Sincerely, XXXX 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 2022-08-29
Company: LEXISNEXIS
State: IN
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:
On XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteridtics, or mode of living is obtained through personal interviews with neighbors, friends, or associciates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditior of the consumer or from the consumer. They also viloated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to ; 15 U.S.C 1681 section 602 A. States I have the right to privacy. They also they violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : Thw law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Rent Recovery Solutions
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:
Rent Recovery Solutions, LLC ( File No : XXXX ) is trying to collect a dept on behalf of XXXX XXXX, TX. My daughter was going to share an apartment with a friend several years ago and listed me as a co-signer. I received XXXX prior to her moving in, and she chose to move with me. She talked to the manager at the time and gave them a copy of my orders and also found another person to replace her as a leasee. The manager appreciated us doing that and told us that it was taken care of and there were no issues - issue closed. Several years later, they are saying that we owe them money for rent. We never heard from them in the interim years, and have moved a few times since then. When I asked them how they could even consider charging us for rent when we found another person to live in the apartment, they said they just decided to charge us for a different room without telling us. The new manager from the XXXX emailed me when I called her to complain and said she would look to find the lease and related paperwork and keep me in the loop on the status, but that was several months ago and I have no indication that they ever found any paperwork. They have now reported this to the credit companies and this has negatively impacted my credit right before I 'm closing on a mortgage - and could cost me thousands of dollars. Still, I 'm not going to pay something that I do n't owe. It does n't seem legal to try and collect on something that was never owed, especially after waiting several years to say that we owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: Finance of America Holdings LLC
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Credit decision / Underwriting

Complaint:
Urban Financial Of America in XXXX, XXXX was transfer my case after XXXX 2015. When there were problems with the XXXX XXXX office from XXXX, 2015. I applied for a Reverse Mortgage with this company. Informed them I had good credit however, my identity was stolen after I retired. I submitted every document to prove this horrible experience. Police report, letters, information from the XXXX credit bureaus, and correspondence from other companies to prove my fraud. This company has requested information over and over again. There are stacks and stacks of paperwork I have received from Urban Financial. I have been patient with this company since XX/XX/2015, but they are still stringing me along. I have been upfront with since Urban Financial, they contacted ME for my business. When I was looking for a reverse mortgage and guarantee this was not a problem and have me APPROVED in a few weeks. 
I am very frustrated with this company. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: V and H Portfolio
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within XXXX  days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than XXXX days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX ( Original Creditor : XXXX THE XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Nelnet, Inc.
State: AZ
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:
To Who m It May Concern, I have an account with Nelnet Student Loans ( Federal ) I recently had an informative phone conversation with a representative of Nelnet and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would   contacted via email as well. However, this notice did not arrive until  XXXX    XXXX  , over 60 days after I had a payment due. As a result, the late payment was reported to   my credit score.
On top of that, my email and phone number were not updated with Nelnet Thus, I was not receiving any communication. ( I have since updated both my phone number and email address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, Transunion. Experian to remove, till date nothing has been done. Transunion has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.

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 2020-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Bank of America has not returned by overpayment of {$720.00}. I have contacted twice over the last 3 weeks. They promised to return money back to original payment account. 

I have not received money. 

They shut down my Bank of America Alaska  Card Account on XX/XX/20 without my consent and still no confirmation of money back. 

I do not know what else to do.

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 monetary relief
Consumer complaint received 2015-07-07
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received this email. It is ashamed that someone should should be forced to buy to keep a credit cardDear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, we have closed your account as of the date of this letter. 

This action was taken for the following reason ( s ) : Inactivity on your accountWe will credit your account with your Cashback Bonus ( R ) ( or Miles ) balance if you have one. 

Should you have any questions regarding the actions taken on your account, please contact us Monday - Friday XXXX ET, by calling XXXX. 

Sincerely, Account Review TeamOur credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. 

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 

For a free copy of your credit bureau report, contact : XXXX CONSUMER RELATIONSXXXX XXXX XXXX, XXXX XXXX also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. 

Type of credit score FICOYour credit score XXXXDate XX/XX/2015Scores range from a low of XXXX to a high of XXXXKey factors that affected your credit score were as follows : XXXXThis information was provided to us by XXXX CONSUMER RELATIONS, a consumer reporting agency. 
FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency which administers compliance with this law concerning Discover Bank, the issuer of the Discover Card, is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Ditech Financial LLC
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX, XXXX & XXXX, XXXX, XXXX, XXXX AND NOW DITECT IS TRYING TO COLLECT A DEBT NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
i was put on hold for ever. and never reached a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They sold the debt to a collection company who used coercion tactics to get the debt owed.On a recorded line they agreed to do a pay to delete then once they got paid they said only Bank of America could delete the item 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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have 16 accounts thats on my credit and they dont belong to me. The credit bureaus have not contacted me in 45 days with a reponse I will type all the creditors here. Please help me they refuse to investigate and send me proof My wife and I were divorced and I checked my credit because I was starting over and I saw all these accounts thats not mines I contacted each creditor and they said If I dont pay they would ruin my credit. I will upload a copy of the credit report delete all accounts sunrise XXXX, XXXX/XXXX, XXXX XXXX, dpt, edXXXX 6 accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NEVER HAD STUDENT LOANS ALL THESE ACCOUNTS ARE DUPLICATES AND THE ACCOUNT NUMBERS ARE ALL DIFFERENT WHEN I CALLED THE TOLD ME THAT THEY CANT SPEAK TO ME BECAUSE IM NOT GIVING COREECT INFORMATION. THIS IS FRAUD. THIS ISNT MY STUDENTS AND I NEVER HAD A CAR. 

ALL ACCOUNTS ON CREDIT REPORT ATTACHED CIRCLED DOED NOT BELONG TO ME AUTO. SOMEONE EVEN TOOK OUT A LOAN AND PAID IT

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 2022-08-15
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022, I reported a mistake in my balance. XXXX employees have told me that hundreds of cardholders have had their cash advances doubled, mistakenly, on their balances. That is, they don't receive double the money, they're just charged double the amount that they received. I called again today and the employee acknowledged that there is no evidence that I received double the amount, but that they are still " working on the case. '' I disputed this with the credit bureaus and XXXX responded that the information that they reported is accurate. So, while they acknowledge on the phone to me that it's inaccurate and they're working on fixing it, they are reporting inaccurate information and defending it. 

This harms my credit and the credit of everyone else that is experiencing this. And it's still going on.

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 monetary relief