BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Consumer collection management IncXXXX located in XXXX XXXX Missouri has caused me to have to send in documentation for Medical bills that had been previously paid. They contacted me in XXXX Regarding a hospitalization In XXXX. XXXX XXXX XXXXXXXX XXXX releases these debts after I have already paid them so either XXXX XXXX XXXX in XXXX in XXXX Missouri Needs to get their billing account numbers and counter numbers straightened out because somehow this Debt Collection Agency gets some sort of notification that for some reason I did not pay when indeed I have and I have documentation to prove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I 'm filling a complaint against  XXXX  credit bureau Experian,  XXXX , and  XXXX . I checked my credit at  XXXX   XXXX  which send me an alert that my  credit score has changed. I checked my credit score on   XXXX   XXXX . My  credit score  had fallen very low from going  XXXX  to  XXXX   ( Experian ),   XXXX  to  XXXX   (   XXXX   )  " I was Mad ''. They are going old information that been removed. One I do n't have a Bankruptcy. Second I do n't have  a Tax Lien. I w ant all information remove " NOW ''. The information is attach to this complaint. I pay my bills on time and I do n't need false information against me or my family.     The Fair Credit Ac t ( 1970 ) 15 U.S.C -1681 The Truth in Lending Act The Fair Credit Billing Act 15 U.S.C -1681 State Status of Limitations The Fair & Accurate Credit Transactions Act The Fair Credit Debit Collection Act U.S.C 1692 - 16920

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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: Problem with personal statement of dispute

Complaint:
This is a workers comp claim for a emergency room visit. The hospital was told its workers comp and yet they still harass me for this debt. We have provided the comp claim number to them and they refuse to accept it. I cant make them accept it. This is unfair and unethical business practices. Look at my previous debts. All have been paid. I guess its ok to ruin a persons credit based on what a company says to be true. Please look Into this

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 2021-10-27
Company: CAVALRY INVESTMENTS, LLC
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:
I have ID theft and this account that is on my report does not belong to me. I have sent numerous letters to the collection agency and to XXXX and neither one of them have removed the account. 
I have a fraud affidavit that I have sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: DOAN SOLUTIONS
State: NY
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On  XXXX   XXXX , I received an e-mail at my workplace,  XXXX    XXXX   XXXX   XXXX   XXXX   at  XXXX    XXXX   XXXX  , regarding my Student Loan from the Information at  XXXX   XXXX   XXXX .     The e-mail falsely states that  XXXX  is excited to inform employees like me that we  may be eligible for the Public Service Forgiveness Program.  Si nce 1998 I ha ve been paying off a student loan, which has increased twice fold, I was a bit eager to find out how I can apply for such program.     When I called :  XXXX  it directed me to  XXXX  at Doan Solutions.  XXXX  informed me that I would have to reconsolidate my loans for a {$790.00}. fee. I gave her my social security number and my password to give her access to peruse my loan debt at th e National Student Loan Federal Aid we bsite.     She then proceeded to tell me that she would have to charge me {$790.00}. to reconsolidate my loans. I told her that I would have to do a little bit more research before I agree to pay such fee.     I called t he Student Aid Ombu dsman  XXXX  and  XXXX  told me that the process of reconsolidating loans should be free. She then gave me a case number and instructed me to alert the Consumer Financial Protection Bureau.     I am also concerned with identity theft, which I have to alert the Federal Trade Commission.     I hope this issue is resolved and that my colleagues and anyone else are protected from such scam.     Please read the e-mail below : To :  XXXX   XXXX  ; If you are a university employee still burdened with student debt,  XXXX  is excited to inform you about t he Public Service Forgiveness Program.  The program is designed to help eligible personnel eliminate their student debt in ten years, while remaining in their current career. Participating can cut your principal in half, and after ten years, any balance left is forgiven.     We can help you see if you can qualify for a forgiveness program and prepare all the necessary documents to make sure you are eligible. It 's all done with just a phone call.      XXXX  's Get Started :  XXXX  We encourage you to learn more about t he Forgiveness Program ; be cause it 's one of the most effective relief methods for university personnel. Its all done with just a phone call.         Thank you,  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, To whom it may concern, I am writing you today because XXXX is reporting inaccurate information on my credit report and I've pointed this out to them numerous times and yet and still they fail to remove it even though they are reporting both inaccurate and fraudulent information on my credit report. 

The credit bureaus are supposed to be fair and ONLY report 100 % accurate information. It's been well over 30 days since I sent in my dispute letter and they haven't responded back to me yet at all. They are playing games with me and not taking my concern seriously. 

They are severely violating my rights that I'm fully aware of. I've also pointed this out to them and they just ignore my complaints and don't respond to my letters. I'm extremely frustrated and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/XXXX I initiated a wire transfer from coinbase in the amount of {$520.00}. Reference # I received XXXX. I 've already sent numerous emails to coinbase and just no reply at all I consider this stealing especially when I paid a {$25.00} fee to receive it the next business day.It 's been over a week now and still no sign of my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
OnXX/XX/XXXX, 2017, received by all XXXX credit reporting companies by XX/XX/XXXX, 2017, by land mail ; I wrote a very extensive dispute request to all XXXX  credit reporting agencies ( Trans Union, XXXX and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ). After speaking with a representative from all XXXX credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, Trans Union, XXXX or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life.
<P/>
CFPB you got ta help me get this mess off my credit report. I am a 21 year, 2 time XXXX veteran who could not work for years due to my XXXX XXXX XXXX  diagnosed condition. This is what I get for serving my country?
<P/>
This clearly violates the CFPB requirement.

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 2022-09-10
Company: LoanCare, LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I previously opened a complaint about a second mortgage Loan I received from hud in the amount of XXXX. I called loancare to get the break down of how much I was behind and the rep stated around XXXX including late fees. I then asked for a break down of where the remainder of the money went and if they could send me a break down of the remaining money in writing since I am have to pay off XXXX to hud. On XXXX loancare sent me only a copy of my agreement not a break down of how the money was added or not added to my account. I need clarification because I did not owe XXXX dollars and not understanding why they received so much. My mortgage balance as of now is XXXX and I purchased my home for XXXX and have been here for six years. Where is the 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 2017-06-16
Company: EQUIFAX, INC.
State: MN
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:
I would like to file a Formal complaint on Equifax reporting agency I receive alert on my credit file that my debt to ratio limit was Over on 2 of my credit cards ( XXXX ) / XXXX Both those cards should be at XXXX  blance. and because of Equifax and My history I will not back down. I have filed Mulit complaint about this company with the cfpd and The Minnesota attorney generals office on this company I believe that it someone at that company is tempering in my credit file. the reason I have proof that I know that they are is XXXX And XXXX  reported on the same account info on the same day and Guess what their were reporting correctly. But just so happen MR Equifax had to go and report false information about me it is against the law for a reporting company to report false info. That is grounds for lawsuit each time I call there XXXX number they are very rude and nasty to me placing me on very long hold Guess What I will go toe to toe with you believe me. I have asked you to investigate credit inquires that I did n't authorize guess what you did n't send any of the information about that. PER THE FCRA IF YOU CAN NOT PROPLY VERIFY THE ACCOUNT IT MUST ME DELETE. CORRECT MY CREDIT BLANCE ON THE CARDS LISTED ABOVE OR ELSE I WILL BE FLYING DOWN TO YOUR OFFICE IN GEORGIA AND WO N'T LEAVE UNTIL SOMEBODY FIX THIS XXXX PROBLM!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i never got any correspondence from this collection agency, never heard of them and I would like for it to be deleted from 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 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX the XXXX, someone made 2 {$100.00} fraudulent credit card purchases with my account at gas stations that I have never been to. In fact, it was in cities I have never been to. Bank of America was quick to catch it and place it on hold. I was sent a new card and got refunded for the purchases. Today, almost 2 months later, B of A tells me that I am responsible for the charges because they think I made the purchases. I explained Ive never even been or heard of the locations that the purchases were made and I would like those charges removed. I was told they could not remove the charges.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Address listed below doesn't belong to me and I have Never lived at the address listed below. Please Delete it from my credit report once and for all! 
Unknown Address - XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-09-10
Company: Credit Karma, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was led to this complaint by being informed about the Lawsuit against Credit Karma. If this is the right complaint to file then, Yes! Credit Karma mislead me with offers for credit cards. Yes i wanted to have credit cards but by the time i applied to the many offers they sent me through the app and in the mail, My credit was ruined because of the " soft pulls '' they claim wouldnt hurt my scores. If this is the right complaint, I still have numerous mail offers from them as proof that they helped ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian and XXXX continuously violate my rights. Experian violated law 15 usc 1681g, by not notifying me of reinsertion in writting within 5 days of reinserting this item on my credit report, They both are in violation of section 611 law 15 usc 1681 ( i ) by not notifying me of my investigation results within 30 days and not provding an adequate investigation, They sent me an old statement from the alleged account and as claim that as the proof that I opended the account, that is not adequate enough proof. Based of this I demand that this account be removed for gross violation of the fcra.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I intended to XXXX {$1500.00} to my friend 's account at XXXX XXXX XXXX. Unfortunately, the money was Zelled to XXXX XXXX XXXX, which is wrong phone number. I called the individual several times and even send a text to the number to refund the money back to my XXXX account. The individual has never responded. 

I reached out to my bank, XXXX XXXX, they said there is nothing they can do because the money had already left my account. I called XXXX and said to contact the client 's bank, Bank of America. Bank of America said they can only conduct an investigation if they get a report from XXXX. XXXX refused to start an investigation for the process. 

This is now between Bank of America who is the client 's bank and XXXX who owns the platform. They can trace the individual through their phone number provided.

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 2017-06-16
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Our bankruptcy  was discharged  in   XXXX     which included a mortgage on a home. Original holder was  XXXX , which was bi=ought by    XXXX   XXXX   XXXX     XXXX   then s pun off to various other entities. We are dealing with Ditech Financial LLC. We have advised them numerous times over the past 7 years that the property was foreclosed upon by the property management firm,  XXXX  of  XXXX   XXXX , Florida. The house was sold by them.  <P/> We constantly receive mailings and phone calls from persons who do not give their names a t Ditech. We explain what ha ppened, are promised that the file will be closed, but they STILL send notices and call us. They say they are not attempting to collect, however, they are looking for a payment in excess of {$150000.00}!  <P/> We do not want to take the step of retaining an attorney and suing for harassment, etc., but what other recourse do they leave us?  <P/>  The Ditech ac count number referenced is  XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was stolen and was used without my knowledge. Ive been harassed about this collection and been threatened by email and phone calls. According with the fair credit reporting act convergent account and has violated my rights. U.S.C 1681 section A. States I have a right to privacy. U.S.C 1681 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. U.S.C 1666B : A Creditor may not treat a payment on a credit card account under end consumer credit plan as late for any purpose.

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 2021-10-27
Company: Navient Solutions, LLC.
State: VA
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:
I have called Navient twice to request that any overpayments of my loan be applied to the lower balance of two loans. On both times, I was assured that would occur, and the lower amount loan would now be paid off. Instead, the amount was applied to the higher balance despite repeated attempts on my part to change the allocation. I was assured that the allocation had been paid. The lower balance loan would be completely paid off by now if they had done so. 

Instead, the amount I am paying towards the balance has DECREASED and my payment is now only 200 % of the interest rate. It is dramatically extending the life of the loan, and it is difficult to view that as a casual oversight as it is in their interest to continue to collect interest for a larger period of time. 

The balance is small, but they will not listen to me or reason with me and they actually REMOVED the option to self-service and direct overpayment allocations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: TMX Finance LLC
State: NJ
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
Titlemax of DE illegally repossessed by vehicle from my home address in NJ. I have been unemployed since XX/XX/2017 and had been telling them to give me time to pay. They took the vehicle on XX/XX/2017 without informing me and did not give me opportunity to remove personal belongings from the vehicle. I need the vehicle to look for work.

Company response to consumer: Closed with explanation