BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On the dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I sent disputes to Equifax to investigate the incorrect reporting of a XXXX XXXX XXXX account ( XXXX ) on my credit. I am a victim of identity theft. Someone opened an account with XXXX XXXX using my information in XXXX XXXX and left an unpaid debt of {$11000.00} on the account. This debt was eventually charged off and placed back on my report as a bad account. In XXXX, I contacted and filed an FTC Identity Theft Affidavit to open an investigation and get this matter resolved and removed from my credit report. I have recently re-filed a police report to get Equifax to understand the situation I 'm in and finally remove this bad account from my credit. I have contacted Equifax on multiple occasions with the attached police report but they are refusing to remove this account from my credit. This account was reporting on all three of my credit reports but once XXXX and XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX XXXX exact response showing the results of their investigation. I am also including a page of a recent report showing how this account is only on Equifax. Equifax is automatically disregarding my dispute as frivolous despite having information that states and supports otherwise. The issue is that the account is not even supposed to be reporting on my credit at all. I do n't understand how this can be possible? How can Equifax 's investigations yield a different response from XXXX and XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been a victim of predatory lending from XXXX who has subsequently sold the loan to XXXX XXXX XXXX ; who has passed the loan to several servicers including XXXX, XXXX and Carrington Mortgage. This Loan started at 9.875 % and is currently 11 % as of XX/XX/XXXX. I have made several attempts for loan modification of which they have denied because I continued to pay. Since XX/XX/XXXX, I have stopped paying this high Interest predatory loan. Currently, XX/XX/XXXX claims to own this loan but has no proof of the promissory note. I am currently in litigation with XX/XX/XXXX because the Loan is approximately 8 percentage points more than fair market value. I am unable to continue fighting this predatory mortgage company and need help in refinancing to get out of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company contacted me as a " potential '' relative of mine. I do not know the person that owes the debt and do not know how they retrieved my private phone number. This is NOT a debt I owe. I am only related to the debtor as my daughter is married to his Aunt.

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 2019-07-27
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivables Management is attempting to collect money and interest on a account that I do not have Patient Responsibility for the medical billing error. They have recipes the Explanation of Benefits prior to this account becoming a collection. On XX/XX/XXXX I received an EOB that I am not responsible for dates of service at XXXX XXXX XX/XX/XXXX and XX/XX/XXXX for my son XXXX XXXX. XXXX XXXX had this information and still sent it to collections, and its illegal for a collection company to charge you interest on medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: MARINER FINANCE, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mariner Finance has been posting missed payments, due to my unemployment, to my credit reports. The missed payment reports are legitimate. However, they are reporting that my principle loan is more than double the actual amount. I have accounts with XXXX, XXXX XXXX and XXXX XXXX so when anything on my credit report changes I am immediately contacted. In early XXXX I received a notice that my loan was renewed with the principle amount of {$6800.00}. The actual amount was {$3000.00} to which I have already paid over {$1500.00} during 2018. I contacted the company on 5 different occasions about the amount they are posting. The last time I spoke with XXXX he asked if I received their court papers in the mail. At that point I stopped communication with them to wait for the court documents that I still haven't received. So they have called my sister 's cell phone twice and left messages saying I owed them money and that I was behind on payments.

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 2019-01-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XX/XX/XXXX because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself.

Please investigate this matter and correct the disputed item as soon as possible.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: FL
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:
Experian po box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX RE : YOUR REFUSAL TO UPDATE/CORRECT PERSONAL INFO RE : REFUSAL TO INVESTIGATE HARD INQUIRIES RE : REFUSAL TO INVESTIGATE SOFT INQUIRIES RE : REFUSAL TO INVESTIGATE XXXX XXXX XXXX # XXXX RE : XXXX XXXX # XXXX IMPROPER INVESTIGATION I XXXX XXXX XXXX XXXX EXPERIAN ON XXXX/XXXX YOUR AGENCY REFUSED TO CORRECT EACH ITEM LISTED IN MY PERSONAL IDENTIFIERS SECTION. MY DRIVER 'S LICENSE, SOCIAL SECURITY CARD, AND RECENT MAIL WERE ALL SUBMITTED. I GAVE SPECIFIC INFORMATION ON THE ONLY PERSONAL INFORMATION TO BE LISTED IN THE CONSUMER REPORT. ON XX/XX/2022 EXPERIAN REFUSED TO INVESTIGATE EACH HARD CREDIT PULL IN MY CREDIT FILE. AS A RESULT, I REQUESTED EXPERIAN DO A FULL INVESTIGATION ON ALL HARD AND SOFT CREDIT PULLS AND PROVIDE ME WITH ALL PROOF EACH COMPANY HAD A PERMISSIBLE PURPOSE TO OBTAIN MY CONSUMER REPORT AND MY WRITTEN SIGNATURE/E-SIGNATURES TO OBTAIN MY CONSUMER REPORTS. On XX/XX/2022 YOU SENT A REFUSAL TO INVESTIGATE M G CREDIT FOR NO REASON AT ALL. AS I REQUESTED ALL OF THE FOLLOWING INFORMATION ALONG WITH YOUR METHOD OF VERIFICATION EXPERIAN PROCEEDED TO REFUSE A RE-INVESTIGATION. XX/XX/2022 EXPERIAN COMPLETELY DISREGARDED MY REQUEST FOR AN INVESTIGATION WITH METHODS OF VERIFICATION AS WELL AS ALL ITEMS LISTED BELOW TO BE SENT TO ME. ON XX/XX/2022 EXPERIAN DID NOT COMPLETE AN INDEPENDENT INVESTIGATION INTO XXXX XXXX XXXX XXXX AS I REQUESTED A METHOD OF VERIFICATION AND EACH OF THE FOLLOWING DOCUMENTS AS WELL TO BE SENT TO ME FROM EACH INVESTIGATION. THIS IS THE NOTICE SENT WITH EACH DISPUTE AS THIS REQUEST IS CONTINUALLY DISREGARDED EACH TIME I DO A DISPUTE WITH EXPERIAN. ( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) FULL METHODS OF EACH INVESTIGATION, ACDV- PLEASE PROVIDE AS REQUESTED FROZEN SCANS- PLEASE PROVIDE AS REQUESTED AUD- PLEASE PROVIDE AS REQUESTED CARBON COPIES-PLEASE SEND I AM REQUESTING MY CONSUMER FILES, FILE DISCLOSURES, AND CONSUMER REPORTS-ALL ARE REQUESTED. XXXX XXXX XXXX XXXX XXXX XXXX Fl. 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 2020-10-07
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$250.00} a Disputed Debt with XXXX. XXXX  was guilty of Breech of Contract & is TRYING to use collection agencies in an attempt to extort the amount from me. I send a dispute letter to the collection agency & they choose to not only ignore it but to put it on my credit report. This is not only unethical but illegal!

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 2017-06-27
Company: Receivables Management Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For months I have been harassed by this incredibly rude and unprofessional company. They have called and yelled at me, hung up on me and refused to give me any information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a mortgage modification XXXX for my house from Carrington Mortgage. Carrington Mortgage was processing my modification request and moved forward with foreclosing on my property XXXX XXXX XXXX XXXX TN XXXX and they foreclosed onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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:
XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXX account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry was not authoized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off of XX/XX/XXXX this has been going on since XX/XX/XXXX I've sent them letters certified and still have not corrected it count has been closed since XX/XX/XXXX and now they are real and putting charge-offs and late payments on XX/XX/XXXX I was also part of the XXXX   breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for Experian XXXX XXXX free age XX/XX/XXXX it's been closed since XX/XX/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 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion removed  XXXX   XXXX  and then reinserted back on to my report on  XXXX   XXXX  in violation of federal law. The creditor failed to reply within 30 days. The debt was paid. Please remove  XXXX   XXXX  permanently from my report. Transunion incorrectly marked it as an update in violation of federal law.   XXXX    XXXX   deleted  XXXX   XXXX  also then reinserted in violation of federal law. The creditor failed to reply within 30 days.  XXXX  can not reinsert that creditor. I paid the debt. Please remove 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 2021-07-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They told me I would have to talk to FCO Fair Collections & Outsourcing I have Tried calling Invitation Homes about this matter and explain what happen they refuse to do anything, I explain to FCO they said either i can pay what i don't owe or else they said i own {$9100.00} witch i was a Victim of Identity Thief I have all papers and Police Reports I filed an Identity Thief Report, Have Records of my Residents and other documents to my case. I also went to the Courts House the the Crime took place, occurring the the XXXX County Sheriff Department and ask about Judgment that was against me. The Notary that did it she didn't check ID of suspect. She told me this I am a XXXX myself and i know i have to check ID. They told me to seek a Lawyer I have Contact FCO many times and XXXX XXXX XXXX 4 many times to resolve 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
Consumer complaint received 2020-02-26
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX XXXX and when to emergency room.I was diagnosed with XXXX XXXX XXXX. I was in lots of pain and demanded a XXXX.I was denied of XXXX by XXXX of XXXX, NJ. My NJ hospitals XXXX  could not see me with in a week or next 6 month, due to being overbooked.I have to see XXXX  doctor, mr XXXX, he took me right away, and diagnosed XXXX XXXX XXXX.What needed a XXXX. XXXX was preformed at XXXX XXXX XXXX PA,XXXX miles from my home in NJ. My health insurance refuse to cover XXXX due to medical code submitted as XXXX XXXX XXXX, What they not consider emergency XXXX .XXXX. XXXX provided to XXXX XXXX XXXX XXXX XXXX XXXX  correct diagnoses, to make sure, XXXX payment going to be processed under right medical code.Medical bill from XXXX hospital and XXXX XXXX XXXX went in to dispute appeal with health insurance, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX  hospital billing was provided with appeal information. About 2 years I have not received any info about my appeal.Now in 2020 I received a letter from collections.I am not sure if they can legally collect from me.And I don't know why XXXX XXXX XXXX XXXX did not send me appeal resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
It is really sad that in times of Crisis due to the COVID19, Strangers help each other, Corporations provide assistance, but I work on a " FULL COVED19 UNIT '' @ a Hospital in FL, ON THE XX/XX/2020 my Card was Lost/stolen, someone took {$440.00} from my Checking, and REGIONS send me a letter saying they investigated and they are not giving me a cent of my loss Money. I put my Life at risk every time I go to Work because I need to pay my Bills, a Bank is suppose to Protect your 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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX, I asked for verification of the origin of this debt according to the FCRA section XXXX. 

They have not responded, they continue to collect and report this debt as valid. 

They charge me fees every month, and annually on top of interest. This card was offered to me with a {$250.00} fee to begin with and their practices are unethical in the fees they charge. 
I would like to see the original payment agreement but my account has been sold XXXX now and I can not get any of the original information that they are reporting, so I do not know what charges are correct.

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 2017-10-17
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Access to Citibank 's website has been denied " temporarily '' for at least the entire month of XXXX with no suitable explanation or time estimate for remedy from customer service. This raises concerns of electronic compromise, but has gotten no traction anywhere that I find in news 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 2018-06-04
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, The response I received from CitiXX/XX/XXXX does not resolve the issue that I had when I purchase a washer/dyer set from Sears. You guys are going off the the actually brick and mortar store price and the not internet price that I wanted. Again, when I applied for the account, I wanted the internet price and not the brick and mortar price. There was a technical issue when I didn't get the account number to pay online and no one would give that information to me to proceed with my internet purchase. There are phone calls that suggest this. Even the sales people in the store had no clue what I was talking about. So, after dealing with this inconvenience, I went ahead bought the the higher price merchandise for {$1800.00}. I know if a few hundred dollars difference but I'm not satisfied with this transaction. I need you guys adjust the amount I saw online back on XXXX, take my account of collections, fix the minimum amount due, fix the high balance, fix my credit 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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX 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 a 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 2017-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.

Company response to consumer: Closed with explanation