BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being scammed out of my benefits wrongfully and charged an debt that they are aware I never received XXXX because my last social security check was in XXXX same for my medicare card and are under investigation by molina fraud department XXXX XXXX report key XXXX. The Bureau of Fiscal Advisory services are aware of payments owed to me and in washington DC is the location where XXXX XXXX XXXX XXXX on XX/XX/XXXX honestly contacted washington dc social security office and XXXX bank by email and instructed them that there is an mix up with my name and that they must pay me all my money and that they must go back to XXXX and then she got replaced by XXXX whom has now changed her mind since she have heard from the bureau of fiscal advisors and she told me that I will get all my benefits backpay owed to me and are in agreement with Ms. XXXX now, she stated. I am informed by bank of america that the social security checks and the uia checks all went into the same account by XXXX XXXX XXXX XXXX starting with XXXX and that it was regular deposits. then on XX/XX/XXXX an XXXX at bank of america told me that my XXXX claim XXXX went into an XXXX XXXX XXXX account in XXXX. then after at least four women two of them I remember as XXXX and XXXX all four told me that they froze this account and are trying to get the money back to my account. They all lie now and say this is an XXXX, XXXX or XXXX dollar claim. 



Please Investigate.

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Numerous times i have contacted trans union to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, If transunion can not verify these accounts truthfully and accurate. Then they need to be removed.

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 2017-01-17
Company: SUNTRUST BANKS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage loan with SunTrust Mortgage which was recently put into forbearance after many difficulties with the lender losing my paperwork, delaying things, etc. But thanks to the CFPB, I was finally able to get my forbearance due to medical issues. But recently I rec 'd a letter from SunTrust stating that my loan was overdue and they have ordered an inspection that I WILL HAVE TO PAY. THIS IS OUTRAGEOUS! I WILL NOT PAY. My loan is in forbearance and this should not be happening. Please help. 
Loan number : 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 2017-08-14
Company: EQUIFAX, INC.
State: VA
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 have made numerous complaints to XXXX XXXX XXXX concerning the following account XXXX. XXXX XXXX has refused to accurately report the above mentioned tradelines on my Equifax Credit Report I requested to speak to a representative in the Credit Reporting and Bankruptcy Department and was told by XXXX in customer service that she couldnt transfer me to the anyone to speak to about my situation. I explained to her the way the account was being reported was incorrect. She said that it was acceptable to report the repossession status in conjunction with the bankruptcy. I informed her that the reporting was incorrect and that it was considered to be continued " collection '' activity and that it violated my rights under bankruptcy protection. I am demanding XXXX XXXX XXXX to delete this account or will escalate my case to the higher authority or pursue other legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: LA
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:
Experian says they investigated a bankruptcy that isnt mine thats on my credit report. They first stated months ago that they got the information from XXXX XXXX, once XXXX XXXX  deleted the account they then sauced they conducted an investigation which is a lie. According to 15 usc 1681a- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

I want to know who experian spoke to that knows me personally. This is a direct violation of both the FDCPA and FRCA. My next step is to report this to my states attorney general.

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 2017-01-06
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently hold a Mortgage with Ditech financial and rec 'd notification in XXXX 2016 that they have not paid my Property taxes. The property taxes were 6 months past due, When I called Ditech to follow up with them they told me they would start researching. I followed up about a month later and nothing had been done, They immediately began working on it and sent out tax payment to the assessors office. In Ditech 's error.. They sent a second payment a week later ( Causing an escrow shortage in my account ) I notified Ditech again regarding the error because I now have rec 'd a notification stating my Mortgage payment was increasing due to the impound shortage. This has been going on for almost 3 months now unresolved. I would like Ditech to credit back the funds to my escrow account they sent in error and verify and confirm that my payment remains unchanged. I escrow account is correct and there should be no payment increase once they credit back the overpayment they sent in error. Ditech will not put a supervisor on the phone, They state they are to busy and they just keep pushing me off to representatives, Tax dept ect, I am fed up at this point and am requesting assistance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: OK
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citi Gold bank account through a promotion ( promo code XXXX ) and completed the requirements in order to receive XXXX XXXX XXXX miles. 

Here is the Summary of the Promotion Requirements for XXXX XXXX : - Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
- Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

Fulfillment : The AAdvantage bonus miles will be credited by Citibank to the customers AAdvantage account within 90 calendar days from the date when the customer completes all offer requirements. 

I opened a Citi Gold checking account on XXXX/XXXX/16. I received confirmation from Citigold Customer Service that I met the promotion requirements on XXXX/XXXX/16 ( documented and saved ). 

Per the promotion requirements, 90 days after my completion date was XXXX/XXXX/16. I have tried contacting Citi multiple times asking when I will receive my XXXX AA miles and they have not provided a firm date or deadline regarding when this will be accomplished. They told me that they are going to open up a case regarding my question but they do not have any definite timeline regarding when I will receive my points. Please help. Thank you!

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 2017-10-09
Company: Experian Information Solutions Inc.
State: CA
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:
THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION THANK YOU

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 2021-09-17
Company: Experian Information Solutions Inc.
State: SC
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:
The 3 credit Bureaus are reporting a 30 day late for XXXX XXXX for the month of XXXX. XXXX XXXX has confirmed they never reported the account late.

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 2017-02-21
Company: Oracle Financial Group LLC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received a call from number XXXX from XXXX. He left a voicemail saying a case was being filed under the county I live in.He did not provide the name of the original creditor that was collecting on this account. He said he was legally notifying me by phone and that I would need to call XXXX to speak to someone before the case was filed. He said if I did n't call the XXXX number, the case would be dispersed from their office. He also stated that, unless otherwise noted, I would be located and the matter would become a public record. He did not leave me the name of the company or that this was an attempt to collect a debt. When I call the XXXX number back, there was a recording for Oracle Financial Group. I have never received any correspondence by mail from this company or any other phone calls beside the one I received today. The call sounded very threatening.

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 2021-09-16
Company: EQUIFAX, 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:
On XX/XX/2021 I mailed a letter of factual dispute and a copy of my credit reports attached to show the errors. As of today XX/XX/2021 there has been no updates to my XXXX XXXX, XXXX or Equifax credit reports. I have found multiple violations and errors on accounts in question without resolve such as different account numbers reporting to each credit bureau, or the lack of an account number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Merchants and Medical Credit Corporation, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have been repeatedly contacted at work by Merchants and Medial Credit Corporation XXXX XXXX XXXX, XXXX MI XXXX about unpaid tuition fees, after receiving a notice in the mail 1 week ago. I am unable to take personal calls at work. They have threatened that they will continue to call me at my place of work until I 'm able to come to terms. I live in a different time zone from them and have a hard time connecting to them outside of work and plan to communicate with them on a Saturday when I do not work. I think that this is harassment. I have asked that they not contact me and that I will call them on Saturday, as I said I just received the collection notice on Monday. Additionally the person that called me was very rude and aggressive. They would not listen to me when I was asking them to stop calling me at work and that I would call them back. He said if I did n't pay something right then that he would just keep calling. I explained that it is impossible for me to pay as I do not have any money and he still would n't stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-30
Company: Falls Collection Service Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Upon receiving an alert that there was a collection that was added to my credit report, I discovered that Falls Collection has placed an account without informing me that they had purchased an account, and without giving me a chance to dispute the debt. They were sneaky and deceptive and broke the law by not notifying me about XXXX different accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: CA
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:
THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I informed Experian that I became aware of a debt collections that was being reported on my credit report from XXXX XXXX XXXX XXXX XXXX in the amount of XXXX requested verification of the that as of date ( XX/XX/XXXX ), I have received no response. XXXX XXXX XXXX. was also informed. I received no response as of date as well.

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 2021-09-17
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: Account information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and Experian, XXXX, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing

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 2017-08-14
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ditech approved our loan modification and then never sent us our forms to sighn.When we inquired about our forms they told us they sent them to our attorney.When we called our lawyers they stated they never received the papers.We called ditech back asked them to send the papers back to us instead of our attorney, they said they would do so asap, but before we could get the forms they foreclosed on our property.We have called Ditech numerous times they would never call us back.We took them to court but up till now we cant get any help I hope and prey that you can help us.Thanks I can be reached at XXXX or XXXX and my emailis XXXX.please call me asap we need your help desparately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XXXX XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a XXXX XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX XXXX XXXX XXXX for a visit on XXXX/XXXX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XXXX XXXX ) discovered that the same charge appeared back on the XXXX and XXXX  reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in 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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am challenging the incorrect information on my credit report with XXXX account number ( XXXX ) there are 3 different dates of last activity i attached a copy of report its inaccurate and going against FCRA and i need removed immediately please and thank you

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 2021-09-17
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. American Express will be civilly liable under Title 15 U.S. Code 1692k if American Express failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my XXXX and Equifax credit reports and I've disputed them several times with the companies and XXXX and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation