BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: TX
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-16
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I had a XXXX to replace a XXXX in my XXXX. After the XXXX, I had accumulated a significant amount of billing associated with the XXXX, all of which were sent to XXXX XXXX XXXX XXXX, my healthcare insurance company at the time. Unlike everyone else, XXXX XXXX XXXX XXXX ( XXXX ) neglected to submit a bill to my insurance, and a little over 3 years later I received a notification from Capital Accounts LLC that I owed {$8500.00} to XXXX. This was my first ever communication ( to include a bill ) from XXXX. As per Texas Statutes Code 146.001, a heahthcare provider shall bill a patient or other responsible person for services provided to the patient no later than the first day of the XXXX month after the date the services are provided. I have verified with my former plan administrator ( XXXX  ) that XXXX did not submit a claim with them, or with XXXX. Furthermore, Capital Accounts was not able to validate my dispute which was sent via Certified mail within the allotted 30 day time period ( still has not responded with debt validity to date ), and is in noncompliance with the FDCPA for this reason. In addition to stating they did not receive my certified dispute during a phone conversation, Capital Accounts submitted the collections to all three credit bureaus on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX XXXX XXXX XXXX to Green Tree Servicing LLC. I did received a letter from XXXX XXXX XXXX XXXX notifying about this change. It is my understanding that all servicers engaged in the transfer of my mortgage to send me a notice at least 15 days before the effective date of the transfer. However, I have not received a letter today, XXXX/XXXX/2015, 2 days after the effective date of XXXX/XXXX/2015 from Green Tree Servicing, instructing me on how to make payments, customer service contact information etc. I had use the information provided in the letter from XXXX XXXX XXXX XXXX to contact them and find out what my account number is and how to make online payments. 
I only have 10 days left to make a payment my mail and Green Tree told me that they will charge a {$12.00} convenience fee for a one time online 'speed payment '. On their website it tells me that my account in not eligible to set up recurring auto-payments, likely because it is a new account. 
As a result, I will likely be forced to make a 'speed payment ' and having to pay the {$12.00} fee, which could have been avoided if Green Tree would have contacted me at least 15 days before the effective date, as they were required to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

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 2017-01-21
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have a direct consolidation loan serviced by Navient. When I consolidated in 2013, I elected the income based repayment plan ( IBR ) and have complied with the loan terms and annual recertification requirements. When the subsidized portion of my loan became ineligible for interest subsidy after 3 years, Navient failed to notify me. I expect my student loan servicer to work with and not against me, and to keep me abreast of upcoming changes or deadlines that affect repayment. Luckily, with all of the recent scrutiny Navient has received, I logged into my account to review my loans and saw the accrued interest that I had become responsible for some months earlier. Navient 's failure to alert me to significant changes to my account speaks only to Navient 's blatant disregard for its stated purpose and usefulness as a loan servicer helping people with their financial goals. 

Magazine subscribers, for instance, are reminded months in advance that their subscription will be ending soon so that they can act accordingly ; why would n't my student loan servicer offer me the same level of courtesy and support for my larger sum financial expenditure as my magazine subscription company does for an expenditure much smaller?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened an account at XXXX Bank on XX/XX/2022. After receiving email confirming that account was approved I transferred in XXXX from my accounts at external banks. 
Sent secure message re transfer limits and was assured by a supervisor " XXXX '' that the limit would be up to XXXX. Then I was asked to let XXXX access my computer, which I did and they tried several transfers, but they did not work. So I worry that fraud might be involved and URGENTLY need to speak with someone. 
Subsequently, after the transfers in had processed and showed up in my account as " available '' I received an email request to send a photo of myself holding my ID, which I did. ( XX/XX/2022 ) Then, immediately, I received another email warning that my account was restricted because they could not verity the info. I have been trying to call or reach someone at XXXX ever since but noone is willing to respond or connect me with a supervisor. Instead I received an email that my funds can not be transferred out, and will be held for 30 days. Having transferred the bulk of my family savings I urgently need to access some of the money to pay bills, including medical, and am ready to provide addtl info if they have problems identifying me, but they have ignored 10 messages, and several phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
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: Account information incorrect

Complaint:
Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX charge off XXXX and XXXX dollar should not be on my credit There are 14 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied XXXX XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/22

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 2017-08-31
Company: EQUIFAX, INC.
State: NC
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:
I have been in contact with Equifax credit bureau sending them letters in regards to disputing an account on my credit report. The first letter was sent, XX/XX/XXXX, then another letter was sent on XX/XX/XXXX, another letter sent XX/XX/XXXX, and another letter sent XX/XX/XXXX, and the last letter sent to them was sent on XX/XX/XXXX. 
Yesterday, I received a letter from them dated XX/XX/XXXX, stating that the identification information I provided them does not match their records and then they requested me to send vertification of my identification and current address. My address and identification has not changed since my first letter was sent to them on XX/XX/XXXX, so how all of a sudden can they not find my credit report when my personal information has not changed. They are also taking 2-3 weeks to answer a letter and then send me notification that an investigation is taking place. This is now causing a debt question or validation or anything sent to them taking 45 days or longer to get a response from them or from the creditor. I do not feel this is acceptable and needs to be changed on their end immediately. I have a copy of my Credit file that was sent to me by them with a date of XX/XX/XXXX and a Confirmation # of XXXX and now they all of a sudden can not find my credit report. Again, this is totally unacceptable and needs to be addressed on their end immediately and fixed. I will try and attach the letters that have been sent to them in this complaint, but I do have copies of all the letters that I have sent to them, if I am not able to attach the letters. 
My Birthdate is XX/XX/XXXX, but Section # 4 keeps listing it as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$7100.00} XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$3900.00}

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 2016-07-13
Company: SECURITY FINANCE CORP
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call my place of employment a few times a week after they have been told I can not accept personal calls at work.

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 2017-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was a victim of fraud involving my Bank of America debit card. I immediately reported this to the bank on XXXX/XXXX/2017. Someone used my debit card numbers to purchase {$85.00} at a XXXX. I filed a police report the same day as I advised the bank. The bank advised me to call again the next morning, which I did. I got a recording saying the department was closed. I then tried contacting the bank using different phone numbers. I spoke to two more people who refused to do anything about the claim-including filing it. Today I went in person to the bank and spoke to a XXXX. This guy was rude, unhelpful, argumentative and told me to " sit and wait a week, then call the bank, then they 'll do something about it. '' This makes five attempts at filing this fraudulent charge and resolving the issue so that I can use my account. The transaction has been sitting now hung up as a " processing '' transaction for five days. Not only can I still not use the account, there 's no record of the fraud claim, and I have no useable debit card. The bank 's negligence is affecting me personally as I live alone and have only XXXX useable checking account, it allows the criminals to do this to others over and over and over again. XXXX flat out said " We will not look at video or question anyone, it 's just {$85.00}. ''

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 2017-02-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Midland Funding continues to report an account that was previously removed from my credit report in XXXX. I have sent certified letters that have been ignored/returned to sender ( see attached copy ) and have no other way of contacting Midland. They ignore my letters and are not cooperating in investigating this issue. This is false reporting/inaccurate reporting and they need to remove it. My next step is small claims court. My current Credit Report, which was pulled today lists the following under XXXX and XXXX : MIDLAND FUNDING LLC {$570.00} {$0.00} XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # 1 {$570.00} Balance XXXX XXXX Original Creditor The same report shows this account closed on XXXX XXXX, XXXX, therefore Midland reopened a closed case, which is against FCRA requlations according to the FCRA website. 
MIDLAND FUNDING LLC XXXX XXXX, XXXX XXXX Please advise what my rights are as a consumer so I can get this taken off my credit reports. They continue to file false info after removing the same account. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: NM
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:
I applied for XXXX XXXX card. I do not have a phone. can not access mobile app. could not access on internet site. Written request to fix access. NO response. Written request to identify the company of a transaction was met with fraud investigation and reissue of account. was not notified of fraud investigation suspension of account and reissue of account. I had also requested a waiver of the yearly fee and an increase in credit line. Was denied. Asked the account not to be renewed. Accepted loss of yearly fee already paid -account was in good standing. The account was closed with a credit on the account. However, the Account was closed for a fraud investigation. I was not aware/notified of closure and reissue of account. Reoccurring charges were denied. Did not activate subsequent credit card received in the mail. Received a bill in the mail about three months later statement was from reissued account with all kinds of fees and interest. Also received a letter stating the account was under investigation - this is in XX/XX/2022. However, the company is already reporting negatively, and I recall seeing something about a charge off. This is against the company 's own policy. I also recall something about alleged provisional credit after the fact. I was never billed or notified. I requested closure of the original account that was ignored- while in good standing with a credit balance. However, the company closed the account for a fraud investigation initiated on its own accord. The company is reporting to credit bureaus, I requested closure when I never activated the account it is reporting on. These correspondences are by physical mail and complaints to regulating agencies. XXXX removed the monthly credit inquiries- and continues a report for a credit account I never accepted or activated. Regardless of whatever laws the company claims to be following- I had already stated before the company XXXX XXXX XXXX investigation XXXX did not want to continue a relationship with the company. A new account was not warranted - accepted or activated. 

Credit reporting agencies are not providing the investigation information. the company has not proven that I accepted the account and/or activated the account. The reporting company has not provided the results of the latest fraud investigation- XX/XX/2022. The reporting of this alleged new account in accordance with federal law fraud investigation actions is premature, there is no interest, fees, collection and/or charge off warrented at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Jefferson capital in regards to an account. I asked them to verify the account In which they sent me a paper showing a breakdown Of costs but nothing with my signature on it or anything. I contacted the bureaus and they keep updating the Jefferson account but wont remove it. I had 2 collection accounts with them they removed only one and not the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was on automatic payment like every single card that I own and somehow got a 30 days late. I don't have 1 single late payment in my entire history. When I contacted Citi to rectify this and make sure that everything was fixed they sent me a letter stating that they were unable to locate the credit bureau inquiry. 

Please see screenshots. I need this late payment to be deleted from credit bureau immediately. 

Account 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 2016-08-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a XXXX account listed on my credit file as if I had a credit card and did n't pay in the last couple of year which is NOT accurate. I have disputed this several times and only received a collection notice which is not validation. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
American Express refuses to to listen to us about payment they say we owe the. 
We keep getting statements adding in interest, and it just keep getting higher. 
We owe them nothing, and we have the canceled bank checks to prove it. 
They will not give us a fax number to send them in so they can see for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Penn Credit Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Noticed recently that this account was on my credit report and never received a notice for dispute have no clue what the collection is for.

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