BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: NV
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:
I have repeatedly attempted to dispute with Experian incorrect derogatory information reported by XXXX XXXX  services during 2017. Experian has done nothing to investigate other than pass my dispute on to XXXX and allow them to self-report as they wish. I actually mailed Experian a year 's worth of 2017 unredacted bank statements ( attached ) which clearly showed I made timely payments for the account in question. Experian merely forwarded my bank statements to XXXX and the account remained unchanged. Experian has assumed no duty to provide accurate information regarding this acccount despite my repeated efforts to have it resolved. XXXX continues to lie about the maintenance of my account. 

This started back in 2017 and I wrote XXXX ( see attached ). XXXX failed to ever respond. I am the victim of gross incompetence by XXXX and Experian has done nothing but serve as a pass-through for XXXX despite being presented evidence that XXXX is incorrect and unfair reporting.

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 2016-01-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I have XXXX insurance ( XXXX XXXX XXXX, and XXXX ) I went to the hospital XXXX for a XXXX insurance was billed. I paid my {$100.00} deductible at the hospital, never heard anymore about this bill until recently ( XX/XX/XXXX ) when I had a credit report change alert ( someone applied for a XXXX ) while I was reviewing my credit report I noticed a {$510.00} medical bill. I inquired about it and was told " It was sold to us in XX/XX/XXXX and we will report it every month on your credit report until it is paid. '' I was not aware of this bill. I am very upset about this, this Pro Collect XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I went onto my XXXX on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due

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 2016-11-22
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my XX/XX/XXXX mortgage payment of {$1000.00} to Roundpoint Mortgage on XX/XX/XXXX. On XX/XX/XXXX they withdrew {$1000.00} from my account. Then on XX/XX/XXXX they withdrew another {$1000.00} from my account without authorization. This erroneous action threw my account into serious overdraft status of a negative {$430.00} balance which includes multiple {$35.00} insufficient fund fees for each item. I contacted my b bank, but they were unable to help since both payments had already been processed. I contacted Roundpoint Mortgage customer service and was told they could do nothing and I had to PROVE that Roundpoint had made an mistake. They told me to email a copy of Roundpoint 's own email confirmation of my payment back to Roundpoint. I was not given a legitimate email address. The Customer Service XXXX told me to email their own own email confirmation of my payment to XXXX I managed to to track down a legitimate email address and sent Roundpoint a letter explaining their error, along with their own confirmation form and a copy of my bank statement showing the double withdrawals from my account which also included details of the negative amounts adding up in my bank account. Roundpoint sent bank an email acknowledging my complaint and informing me it could take up to 30 days to resolve this financial mess they created. They also told me not to contact them again which would put my complaint to the bottom of the pile and take even longer to resolve. I am in a panic because of Roundpoint. I am a senior citizen on a limited budget, and because Roundpoint emptied out my bank account, I am left with no money for food, bills, etc., and my bank account is seriously in the negative. I find their unhelpful and unresponsive attitude totally incomprehensible.

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 2016-12-10
Company: Credit Bureau Collection Services, Inc.
State: MO
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 noticed a new collection on my credit on or about XXXX When I contacted the gas company who sent this to collections I was told they had a system reboot XX/XX/XXXX an no longer have access to the records. I have repeatedly requested verification of that I owe or how I owe this bill when I did not reside in the residence at the time they claim. I have yet to receive verification of my request. The company has point blank told me that the burden is on me to prove I do not owe them. I know I do not owe this bill as the previous owner holds records of this time frame that he has paid the bill to this service in the same time frame the company claims I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: PREFERRED CREDIT INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After contacting the company by email, phone and through the XXXX, the company replied with information to identify me that was incorrect. For example : my name was not spelled correct in there system and my address and phone number were not mine that they had. I spoke with a women by the name of XXXX as well and faxes over police reports and complaint filed with the FTC identity theft report. The company which goes by PCI preferred credit inc. has refused to delete this account from my credit report and has caused my credit score to decrease by over 124 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Applied Data Finance, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Personify Financial has sent a debt that is not mine, but part of identity theft to a debt collector. They have been calling me, my father, and friends and threatening to come to my job and arrest me. They also told my father I was writing bad checks and if he didn't pay they would arrest me. They threatened to put a lien on my grandmother 's home, and had my grandmother in the hospital due to almost having a XXXX XXXX because they lied to her! 
I received a voicemail today from them again, this time is stated : " Im with judicial Services. I've been instructed to contact you in regards to an active order of location that is being issued and filed due to avoided contact on your behalf they've instructed me to speak with your employer directly due to them wanting to have you processed their pay promise, with your home, or relatives homes as well at this point if you wish to avoid any further penalties. You need to contact the proceedings office that is filing your case once your case is been filed all of your legal rights to resolve this case will be forfeited permanently ... " they gave me the phone number XXXX to contact them and case number CD : XXXX, then notified me this was my legal notification about the case because they couldn't contact me. 
I told the man the first time he called that the debt was part of an identity theft case and not my debt and not to call me again. He has called 100s of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Delta Outsource Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection agency contacted me regarding a XXXX credit card account. I agreed to pay a less amount to settle the debt. But the original creditors collection agency are still charging me but for a smaller amount. The debt was not settled or delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my 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 2020-04-02
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine and I have no idea what it is for. A letter was sent with the incorrect name. I tried calling the collections agency and they refused to give any information to me without first validating the debt which I refuse to do. I have no past-due accounts with XXXX XXXX XXXX or XXXX. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have approached at street by a person and he asked me to help me and he led me to the atm machine. He made a fake deposit and used my phone to transfer XXXX and XXXX dollar into his account. The transaction is still pending but the bank refuse to stop or freeze the transaction even though they understands that it was a scam and the XXXX is already contacted and detectives are working on 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 2022-09-11
Company: Experian Information Solutions Inc.
State: IL
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:
A while back I tried to put a XXXX utility bill in my name and I was told I couldn't open a account because I had a old balance from a home I never lived in my life. So recently I was interested in obtaining some credit for a business im starting so I pulled my credit report for the first time and the first thing I noticed was a couple of addresses that I never lived at before in my life also It was a job listed I never worked, then I noticed I had a couple of accounts that I didn't open also I had a lot of Inquiries. These things have really affected my credit

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 2019-12-02
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
DMI XX/XX/2018 Property Foreclosed and Lender won't acknowledge and acts like this is a current bill or debt. Faxed and writing several times. Give definitive status to close now and forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me and is a result of identity theft. 

Disputed with all 3 bureau 's on XX/XX/2019 for both accounts, results came back unchanged. 

This company has attempted to sue me two times over the past year even though I have been living in XXXX for 1.5 years at this point and they don't seem to be stopping. 

They've been calling my work phone number as well when I have told them to stop harassing me several times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have banked with Bank of America for 51 years, starting in XX/XX/XXXX. On XX/XX/XXXX, I  received two letters saying they closed my accounts out. I have no idea why! I went to my local branch who called and was told they are not allowed access to the reason why. I now have checks bouncing, have two XXXX XXXX direct deposit checks coming to a closed out account, and no access to my money!!!!! This is outrageous! They told me my money was mailed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received it and I have no access to my money! It does n't take this long to get mail and they should have expedited this amount of money! Why did n't they call me and tell me to go to my branch and get a certified check BEFORE they closed my accounts?!!! I called the number on the letter and they WO N'T tell me why either. They just repeat over and over that they have the right to terminate my accounts. On XX/XX/XXXX, I made several more calls to XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was the only one who was not smug or rude. She said my accounts were ruled " high risk ''! She even reviewed my accounts and said that she saw nothing out of order.I get a CA-PERS and social security direct deposit once a month. How is that high risk?! I 've done nothing fraudulent. I have never been arrested or even had a parking ticket!!!! I guarantee that this is a mistake. I did NOTHING wrong!!!!! I do n't have a clue as to why they did this. XXXX told me they sent my money to me 4 days ago on XX/XX/XXXX, but it may take 7-10 business days! Why are they allowed to do such a disgusting and harmful act without telling me?! Please contact them, find out why they did this and get my money back ASAP!!!!!! This is so outrageous egregious and an abuse of their authority. What if they did this to you? Why are they allowed to do this to people then say XXXX you, we do n't care? 
Thank you for your much appreciated help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Both student loans serviced by Firstmark were on Auto Debit, with no missed or late payments for many years, as of the XX/XX/21 statement ( attached ). After my bankruptcy filing, Firstmark unilaterally cancelled the Auto Debit agreement, yet still required payment for my loans. They claim they sent a letter to me stating Auto Debit was cancelled. I did not receive this letter, and Firstmark can not prove that it was delivered or even sent, as it was not sent via Certified or XXXX mail. After downloading said letter from the website, I realized that it was generated on XX/XX/21, and that they claimed that the Auto Debit was cancelled " at my request ''. This is a lie. I did not request the Auto Debit to be cancelled. Firstmark cancelled it due to the bankruptcy filing, because according to one agent, " that's just the way the system is set up ''. There was no permission from me, nor legal requirement to cancel the Auto Debit agreement, because these agreements with Firstmark can only be set up via a checking or savings account - not a credit card. Only automatic payments from a credit card are required to be cancelled in bankruptcy. Furthermore, aside from the auto debit cancellation notice they claim they sent, no other statements or letters were sent regarding this account until late XXXX. Upon realizing that the account was in arrears, I immediately made payments to bring the account current. However, Firstmark by then, had already reported the lateness of the account to the credit bureaus. This is an extremely unfair practice, especially considering there has never been a late payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: SC
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:
The following account below was reported incorrectly and inaccurately EXPERIAN with no supporting documents of that this is valid and have no error. The payment history is incomplete and they failed to provide any proof which I already requested for so many times. Moreover, the account have illegally re-aged which is totally not acceptable as per Federal Credit Reporting Act requires 100 % accuracy. The issues have been raised previously with no feedback received. 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 non-monetary relief
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ( FCRA ) -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights.

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency 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 2017-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 # 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 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 2020-04-02
Company: Alorica Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My loan servicer, SST ( Systems & Services Technologies ) is supposed to take monthly payment of {$170.00} out of a designated checking account of mine once a month. However the SST took the payment out of the checking account twice, once each on XXXX XXXX and onXX/XX/2020for the monthly payment for the month of XXXX. When SST took {$170.00} out for second time, balance on the designated checking account became negative balance, and I got charged a NSF of {$30.00} by my bank.

Company response to consumer: Closed with explanation