BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On my consumer report it says i owe XXXX money, i never opened an account with them. The information they have is n't my name its a jumbled version of it. I believe i have identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with Equifax and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor US DEPARTMENT OF EDUCATION I have attached the following proof from the credit bureau who has the correct information reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with BBVA Compass Bank. My insurance agent regularly bills Compass Bank at the end of each year. Compass Bank is then to pay out of my escrow funds. On XX/XX/2016, Compass Bank debited {$1000.00} for my insurance policy for the XX/XX/2016 year. They then claimed that they did not have evidence of my insurance. They then debited {$630.00} for their own insurance on XX/XX/2016 despite having records of the existing insurance. After resubmitting proof of this double charge, Compass Bank only refunded my account {$200.00} of the {$630.00} they charged for duplicate insurance. 
I have tried to contact them only to be hung up on through their automated answering service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services has raised the monthly payment on my 30 year fixed rate mortgage 3 times in the last 4 years without notification. They have also charged invalid late fees I have tried to resolve with CMS and they have ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Found out I had an account on my credit report from Commonwealth Financial Systems for a medical bill. It was placed on my credit report in XX/XX/XXXX. I contacted the debt collections via telephone and told them this was not my debt, that I have never received a letter from them at all and that statue of limitations in XXXX had ran out. The agent told me they had purchased this from someone else and that statute of limitations did n't start until the debt ran off of my account and she said that did n't happen until XX/XX/XXXX. She told me the debt was from XXXX XXXX and it has been over 6 years since then. Again, I told her the debt was n't mine and I wanted validation of debt. It 's been a month and I still have n't received that. I contacted the credit report agency, XXXX, and asked for a dispute with them. They only updated the address on my credit report and did not provide any new information regarding my dispute. 
I also contacted the hospitals that I visited in XX/XX/XXXX ( formerly XXXX XXXX XXXX, now XXXX ) and was told my accounts were XXXX balance and that I was paid in full. They gave me a number to contact the emergency room doctors billing company and they gave me a phone number for them ( XXXX XXXX XXXX XXXX ). I contacted them and was told I am not in their system at all and that I should not be in collections with them since I am not showing up in their system. 
Yesterday, my parents received a letter at their home for me from this collection agency. The letter was basically like a " new '' collections letter, as if they had never spoken to me before. It stated if I did n't send in writing that I was disputing this claim or wanted validation that they would take it as evidence I owe this debt. But I had already disputed this a month ago and was told they would send validation of debt, to which they still have n't. 
I contacted the XXXX Attorney Generals Office about this and was told to send them a written letter stating I am not verifying this debt and a validation of debt ( if I choose too ). I am going to send the letters. I was also advised by the XXXX Attorneys General Office to file this complaint online. Which is what I am doing now. 

So the hospital and emergency room doctors billing verified I have XXXX balance and no debt and should have no collections out for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number calls me at least 4 times a day. 
They usually hang up. So I, called back and requested information on this debt. He hung up once i asked. 
I called back and asked they stop calling me. It was around XXXX XXXX. He told me pay your debt and was very nasty. Yelling cursing and carrying on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Since XX/XX/2016 ( almost 6 months ) I have been submitting disputes with Experian regarding XXXX on my credit report. 
Experian keeps sending me letters that they are investigating and reinvestigating these disputes. 
The company ( XXXX ) has failed to provide a verification of debt, failed to provide a Statement of Debt charge off statement. Yet Experian does nothing except keep " investigating the investigation ''. 
In the meantime I am humiliated by credit denials.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have asked via certified letter to validate accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.

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 2017-10-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company wo n't respond to my mail and none of their customer service agents are available by phone. I have sent these people letters and have tried calling them for days, to no avail. It is unbelievable how they are able to get away with this. I have their Trusted ID Premier service and I also have Credit Karma. The credit report through their Trusted ID Premier service is not showing the collection accounts that they are reporting, but the XXXX XXXX credit report is! This is amazing! Also, Equifax is reporting a XXXX XXXX XXXX account twice. It is a duplicate. The account was included in a XXXX bankruptcy. They are reporting two separate account numbers for this ( XXXX and XXXX ), but is the same account! They are also reporting erroneous collection accounts for XXXX and XXXX that do not belong to me! This is sooooo frustrating!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
B of A is showing a home equity line of credit as still open on my XXXX and XXXX credit reports. that account ( XXXX ) was closed 7 years ago. It also shows that it was included in BK, which it was not. It should fall off of my credit profile in the next few months ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a Social and Health SVCS ( DSHS-DCS ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Experian Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Experian was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, Experian removed some of the items I disputed, but not all. The items Experian left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( DSHS-SCS ACCOUNT ). I also informed Experian that if the Bankruptcy information, credit inquires, and the Social and Health SVCS ( DSHS-SCS ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On my updated credit report Experian refused to remove the US BKPT CT WA XXXX # XXXX, XXXX account # XXXX, the XXXX Account # XXXX, and the XXXX .... that I am disputing was included in the Bankruptcy. Experian continue to report these XXXX accounts as Negative Accounts when all accounts are included in a Bankruptcy therefore none of the account should be visual on my credit report. Experian also refuse to remove the XXXX ( DSHS-SCS ACCOUNT # XXXX ). Experian is reporting this account as being open. I informed Experian of the closing of the account in the dispute letter. I also sent Experian the letter I obtained from DSHS-SCS ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Negative Account being stated by Experian. Finally, I am disputing the remaining inquiries that Experian chose to continue visually reporting on my credit report. Experian was sent a Police Report with all the police reporting information of the Identity Theft. Choosing to refuse to remove the inquiries due to Identity Theft put Experian in violation of the Fair Credit Reporting Act. The visual reporting of the inquiries should not be seen on my credit report. 
I have copies of all letters and police report information sent certified to Experian by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
ALL CREDIT AGENCIES REPORTING INCORRECT INFOR ... .REMOVE OUTDATED PUBLIC RECORDS PAST 7YRS AND SAME DATA REPORTED ON FILE XXXX X, REF # XXXX, REF # 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 2017-03-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are address attached to my credit report that do not belong to me. I will like like for you to help me solve this issue.

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 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/18 XXXX received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via XXXX. I contacted XXXX  via email  asking how do they verify and they stated, " XXXX does not directly verify federal case information to third parties by phone, fax, or email. XXXX also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. XXXX has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. XXXX and TransUnion have also stated that they have previously " verified '' both bankruptcies reporting adverse 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 2016-09-18
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A verification of debt has not been provided by the company. I have disputed this directly with the credit bureaus as I am not aware of the debt. Additionally, the collection attempts they have been made by this company violate FDCPA they have left messages stating that I will be arrested in connection to the debt these are violations and harassment.Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I want to file a complaint against XXXX now known as Navient for systematically and illegally failing in accommodating to help with repayments of my loan back so many years I was in financial hardship due to being a single mom with XXXX kids. My student loans when I graduated back in XXXX was around {$30000.00} and now has reached almost {$50000.00} because for many years I was told I would need to file for forbearance even thought I submitted documents that I was going through financial hardships. I was never offered a better alternative to pay off my school loans. As a single mother of XXXX, soon to be XXXX and as a military member I should not have to be responsible for {$20000.00} of incurred interest because I was misinformed and taken advantage of paying for a higher school loan. Especially when I tried requesting for help to reduce the payments or other options what would not lead to increasing my loan to what it is now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
One-Main Financial has been unable to provide me with accurate information regarding my loan. I have requested copies of my payment history and payoff info. When in arrears less than a few dollars, I have been called and harassed up to 10X per day on my personal and work numbers. Yet, when I attempt to call and request my info, I am treated with nothing but contempt from the staff. The worse is the call I received today. 

I was greeted by " XXXX '', and she displayed nothing but awful representations of character. As I was requesting information from her, she continuously criticized MY character regarding my payment history. 

I am not paid on a regular cycle, this was explained to them on numerous occasions. But I have being harassed and spoken to in such and unsavory way. 

I also have concerns about how One-Main aka XXXX aka Springleaf has been conducting business as of late. Their lending practices are on the verge of loan-sharking, with bullies as enforcers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was bought out while I was in a mortgage reduction I obtained after filing chapter XXXX bankruptcy, We were with XXXX XXXX XXXX at that time. Our mortgage has been sold or transferred 4 times. Ditech mortgage obtained us at the end of the bankruptcy and mortgage reduction. We have paid out payments on time ever since we got the reduction. Well our bankruptcy discharged XXXX/XXXX/15 and they have not released us. I can not view or get any information from them concerning payment history, payoff, general info. I have spoke with them on numerous occasions, twice a week for a year, they have not taken any action. When I call, I am on hold over an hour just to speak to anyone. They told me the audit was complete and they were waiting for a super to sign off the last 6 times I called. I ask to speak with a supervisor, none could speak to me. I have wrote emails also, no action. I am now refinancing with XXXX, all is approved, but we need payoff letter, no response to XXXX or myself for 2 weeks, and I 'm about to lose my rate. 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 2017-03-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a {$100.00} Chase credit card charge for gas at a XXXX in California incurred on XXXX/16. I live in XXXX and was working in XXXX that day, as shown in my credit card statement. I disputed the charge, and Chase resolved it by telling me that because the credit card reader at the fuel pump read the magnetic stripe on my card, I authorized it. ( The charge was not signed ). I insisted to Chase that I was not in California, and it is well known that credit card magnetic strips are skimmed by fraudsters. They will not reconsider.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have a couple medical bills reporting from collection agency i asked for proof of accounts and i never received docs on this this accounts and they still shoeing on my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Auto lease was entered into XX/XX/XXXX. Lease terminated XX/XX/XXXX. Communications about late payments and additional amounts due to creditor ( Ally Financial/GMAC Financial Services ) began XX/XX/XXXX. According to the Fair Credit Reporting Act, a negative credit item can remain on a credit report for 7 years FROM THE DATE OF FIRST DELINQUENCY. The first delinquency of this account occurred no later than XX/XX/XXXX. No additional commitments, payments, or communications took place on my behalf during any subsequent time. This creditor continues to report delinquency, collection, and charge-off to this day on Credit Bureau files. Under Section 623 ( a ) ( 5 ) of FCRA : A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on that account, which shall be the month and year of the commencement of delinquency on the account that immediately preceded the action. 
Therefore, I demand that Ally Financial be held accountable and remove this negative item from all credit reporting, dating back to XX/XX/XXXX. Thank you for your assistance in this matter.

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