BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-12
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( I.C System Inc. phone XXXX ) and ( XXXX phone XXXX ). XXXX debt collectors are based in MN. XXXX company ( I.C. System Inc. ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( XXXX ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can XXXX debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for XXXX should be removed immediately.

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. Transunion, XXXX and XXXX had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK TRANSUNION, XXXX AND XXXX TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX ON IT. 
I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my righ t AND for Navient to be deleted from all 3 agencys, Transunion, XXXX and
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 2023-02-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
A XXXX XXXX dollar loan was acquired on approximately XX/XX/2022 using my personal or business information without my acknowledgment or consent. The company that issued this loan is XXXX XXXX. I am taking a legal stance against this as well as disputing this fraudulent loan with the credit bureaus. This company is now making an attempt to freeze my business and personal accounts. Without proof of acceptance of any financial transactions on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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:
THE INFORMATION ON CREDIT REPORT IS INCORRECT. THIS ACCOUT WAS PAID IN FULL IN THE AMOUNT OF {$24.00}, XXXX ON XX/XX/2016.

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 2017-04-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Citi bank ha s been discriminating against me for several years now. I recently applied for a citi business advantage platinum card with my outstanding   XXXX    credit score.  However,  Citi bank  DENIED my application based on the fact that there were credit cards from almost  TEN YEARS  ago that had disputes on them. After 10 years, citi bank is treating me horrible and will not open a new card in my name.   I would like to see there " policy '' that says this goes on for 10 years.   XXXX   XXXX   has a ba reputation already, rated  one of the worst credit cards for how they treat people, now I see why.    As you can see they are being very unwilling to work with me and those disputes from 10 years ago were fraud. so they re basically discriminating against me for me being a victim of fraud. if this continues a class action is going to be filed.

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 2018-05-26
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: ALLY FINANCIAL INC.
State: TX
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, This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666 B a creditor may not treat a payment on a credit account an open end consumer credit plan as late for any purpose. Cease and Desist 15 USC1692 G,15 USC 1692 C

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 2017-04-27
Company: GREAT LAKES
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Started  XXXX   XXXX , under  XXXX   XXXX , in   XXXX    . The institute continued to call for me to begin classes. I informed them because my background would impede my ability to secure employment. I was told it did not matter what my background was they would be able to secure me a job. Upon completion of the program, they were unable to assist me with a job due to my background.  XXXX  began charging me for the loan   XXXX   XXXX    .   XXXX  would no t pay for my certification. According to the intake process, they were supposed to cover the cost of the certification. A class action suit was filed again  XXXX  and  XXXX   XXXX  for defrauding a student. There was a misrepresentation of information. To date, they have not been able to assist me with employment based on the program I completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am disputing a collection account showing on my credit report from XXXX XXXX XXXX XXXX XXXX in the amount of {$7000.00}, originally from Santander Consumer USA XXXX, which I do not believe I owe this amount. I have disputed this account directly with XXXX and the credit reporting agencies, and even hired a company to assist me with no result. They were informed of my dispute and that I was requesting a copy of the Explanation of Calculation of Surplus or deficiency as proof of the amount they claimed I owed, since I never got a copy from Santander. XXXX continues to report this account on my credit reports and this information is affecting my credit rating and ability to obtain credit, This situation have also created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with Carrington Mortgage. On XX/XX/XXXX I made my payment for the XX/XX/XXXX pmt. Carrington Mortgage held my funds in suspense for over 20 days not applying ti to the regular monthly mortgage payment on my acct which is current. As a result a Notice of Intent to foreclose was sent as well as billing statements threanting to foreclose. However my account was current and has always been current. If they would have applied by funds on XX/XX/XXXX to my XX/XX/XXXX payment no notice of intents or bad billing statements would have been sent. This week on XX/XX/2015 they sent me a letter however it failed to mention why they were holding my funds, it didn't address the notice of intent or billing statements.

On numerous recorded calls Carrington Mortgage attempted to collect on the payment they were holding in suspense. Then after realzing they were holding the funds they simply would say "I dont know what happened and why they were holding my payment in suspense".  Its not right for them to put me thru this as this is my kids home and its simple you cannot attempt to collect on a debt thats not owed and my XX/XX/2015 was not owed as they had it applied to my suspnese account. Additionally they said they cant help the fact that the notice of intent was sent as it was system generated. if thats the case How many other customers are being affected by their inadequate processes and procedures? Very concerning and I beleive they owe me for what they put me and my family thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX I started the process of refinancing my mortgage by going to XXXX XXXX. I was contact ed by a company named Amerisave. I made it clear to there representative ( XXXX XXXX ) that I was on long term XXXX. In addition I was contacted by another rep ( XXXX XXXX ) and I informed him as well. There only concern was if my ethnicity was XXXX. It is now XX/XX/XXXX an I was denied credit for something they termed revolving credit concerns. Prior to the denial I was informed that I would have to get documentation for my XXXX that would state I would receive compensation for a minimum of three years. That was the only thing holding up my Re-Fi. My response was, do you ask the non-disabled for a guarantee of three years of future employment? Of course not.

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 2017-03-18
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I tried to register with credit cards so I could see my credit report and score. Well when in want to set up my account and put in my info i got to where they were asking the questions2 identify me and all but 1 of the questions had nothing to do with me so i answered none of the above because it was asking about a mortgage loan companys name and car loan payment amount that I had never heard about or seen before to verify my identity so I thought it was a trick question for both if them so as I said I answered none of the above. Well it would n't verify my identity since it said i got them wrong. Well so then I tried to scan my license front and back as it requested for 4 and half hours over and over to get to my report 2 make sure no1 had taken my identity and a loan in my name but it would n't confirm with the scans of my drivers license either. So tgen I wrote the company XXXX and told thrm my issue and they responded that they were sorry that if I ca n't be verified then I ca n't get and register an account with them for my reports that I would have to request the reports individually on the XXXX websites. So i went to the XXXX bureaus I requested all XXXX. I only ended up with my XXXX report and none of the otuer XXXX because I had the same problem with 1 of them in answering the verifying personal account questions and the other said i already requested my report this year but i did n't the only time I have applied was to XXXX and i never made it thru 2 get or request my reports on their site. So I 'm having MAJOR issues and I 'm worried that this is happening that some1 has likely gotten a hold of my identity and need some help getting 2 the bottom of this please ... .ASAP if at all possible im case it is identity theft. Thank u.

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 2015-04-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX/XXXX/15 I mailed a dispute letter and an investigation request for XXXX items on my credit report with Experian by certified mail, which they received by certified mail on XXXX/XXXX/15. Experian sent me back a form letter which seemed to me to be both threatening and insulting and a blatant attempt to avoid investigating the items in a timely manner. I believe the attached documents reflect that the dispute item was sent to them correctly and in the form they require. I did not respond to the form letter, as my accountant advised me this would delay the investigation, which is what they wanted. I have since received responses from the other XXXX bureaus, but none from Experian, which indicates they decided not to investigate my complaint. I believe this a blatant violation of the Fair Credit Reporting Act and was an effort to intimidate and coerce me into not pursuing the correction of faulty information on my credit report. I wish to file a complaint against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Columbia collection company has cancelled my payment arrangement twice and then immediately garnished my bank account for debt repayment. They took my boyfriends workers compensation money out of our account in XXXX 2014. Now they sent me a letter saying I defaulted on my new payment arrangement because it closes every six months. I 'm apparently supposed to re start it or they consider it a default and garnish my bank account again. What can I do?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Prior to 2014 my mortgage was handled by XXXX XXXX formerly XXXX XXXX XXXX .My note was coming out of my social security check every third Wednesday. Unknown to me XXXX transferred my note to XXXX who stated I was in default for the XX/XX/XXXX and XX/XX/XXXX. I disputed the default and sent information to XXXX showing the amount that was paid. XXXX did not post both payments until XX/XX/XXXX.XXXX transferred my not to BAYVIEW Servicing and my payments went from {$360.00} to {$510.00}. My check is {$1000.00} of which I have to pay life insurance on my XXXX greatgrandchildren and myself, light, gas and water. I have tried to resolve this matter to no avail. Now I 'm threaten with a bill of {$1000.00} by XXXX XXXX or face forclousure. All information requested by XXXX was sent including bank statements .XXXX is no longer in the XXXX area I do n't know what happened to the money that was coming out of my check but i would like to know. Any advice will be greatly appreciated.This loan was supposed to end in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been a credit card holder at Target for more than XXXX years. During that time I have always timely paid my bill without fail. My small credit limit of {$500.00} means that every time I use the card for more than {$100.00} I in effect negatively impact my credit score. I have made several requests over the last few months to have them raise my credit limit and all I am told is that they have a policy that they review accounts on an ongoing basis. However I should update my income which I did in early XXXX, early XXXX and the latest on XXXX XXXX and I would hear within 75 days only if the increase is granted. 
However after numerous calls I have not been notified of any increase and have received no notification that the increase was denied or for that matter even considered because no notification was ever sent. 
I have made several calls and no one will give me this information but they propose that as a solution to impacting my credit score I do XXXX or XXXX of the following:XXXX File for a debit card and in effect give target an interest free loan. 
XXXX. Pay my bill immediately after shopping in the store even though the monies are not due for weeks depending on at what point in the billing cycle I hit. 
Certainly target the right to deny credit to any customer that does not qualify but I would think that they also have a legal obligation to appropriately notify a customer whether or not a request for a credit increase was denied and also the reason. Frankly I feel that Targets failure it appropriately notify me is in effect a form of discrimination because this failure does not offer me the opportunity to determine if credit is being denied for an inappropriate reason and I am indeed being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have summited many letters and conference calls with my insurance XXXX XXXX employee and my insurance and I have submitted many letters indicating that they have till XXXX/XXXX/2016 to billed so they could paid. my insurance company paid a full amount of XXXX I received an correction and billed me again for {$15.00}. which i send the check already. but I serousley beleive that this need to be investigated a hospital so big and part of University XXXX have to use a XXXX do n't sound correct. 
pre approved for 6 days in XXXX Hospital and paid in full, I have many times gone to the Hospital to get my records and was told they lost them, my insurance provided me. 
I have contact all this collections agencies nut they are rude and unwilling to hear me. 
XXXX XXXX s also part of XXXX Hospital which I went there for and XXXX because was driving and XXXX and my insurance pays but they billed for an XXXX. I have send proof of XXXX charge but they have interns should n't be putting XXXX codes and now is been in my credit and can not seem to locate THE XXXX DOCTOR that forgot to place a # 1 on billing code for Emergency visit but they did bill and collected. 
Please investigate this is not making sense anyone can send you a bill and put you in collections, when my insuance paid 100 % my husband pays XXXX dollars a MONTH FOR PROVIDING US WITH THE BEST AND HE IS XXXX AND XXXX XXXX VET. WHICH HE IS NOT WORKING SO OUT INCOME HAS DROPPED FROM XXXX TO XXXX DOLLARS. 
WE ARE ALWAYS ON TOP OF OUR CREDIT AND I WAS IN THE IMPRESSION THAT MEDICAL SHOULDNT BE IN YOUR CREDIT. PLUS THEY ALREADY GOT PAID. THIS IS MAKING MY XXXX XXXX UP. HOW DO WE KNOW THIS IS A LEGITIMATE COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation