BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-21
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
For month 's I was back and forth between XXXX XXXX XXXX XXXX, and Medicare. At one point during the dispute the Medicare Representative asked for XXXX XXXX XXXX to call them. They refused, I was stunned, and here we are. 

I went to buy a car and found that my credit score had PLUNGED BY XXXX points. I paid for a copy of my XXXX-bureau credit report, and found that " while we trying to sort things out '', the XXXX XXXX XXXX was putting negative remarks on my credit report, AND sent my account out for collection. 

I was provided no notice from them, or the collection agency. The items were just embarrassingly there - in my credit reports when I was at the car dealership. 

The last Medicare Representative I spoke to said the XXXX Hospitalists were in violation of their contract with Medicare, and they ( Medicare ) would escalate my claim. 

I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian on several occasions, the most recent being XX/XX/XXXX, in regard to exclusion of derogatory accounts from my credit report. I have 2 accounts that are closed and paid, for which the date of first delinquency will antedate my report by 5 years. I am requesting exclusion of the derogatory information of these accounts based on the provision set forth by NYS law Section 380-J : ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years I have a XXXX card that has been charged off, and subsequently paid and closed. I also have a XXXX XXXX account that has been charged off, and subsequently paid and closed. Both accounts have XXXX of XX/XX/XXXX. When referring to my Experian credit report, these accounts are scheduled to continue on my report until XX/XX/XXXX. Uning the NYS provision, I would anticipate these accounts would be eligible for exclusion this year, as the customary 7 year reporting period is shortened to 5 years. When I have inquired as to when these accounts will be excluded I have been given various dates not in accord, including 5 years from date of last activity on the account. 

I have been unable to reach a resolution to this problem, as I have been told the date of first delinquency is not recognized for application of the NYS provision. I have not had an issue with the other credit bureaus applying this provision and hope to resolve this expeditiously.

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 2017-10-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello - I am one of the people who has had my Equifax consumer credit info compromised. I recently ( XXXX/XXXX/XXXX ) contacted Equifax to put a freeze on my credit, in response to their hack & failure to protect my confidential info. I was told by the representative that I would FIRST have to sign up for their TrustedID credit monitoring service before I could freeze my credit. I had identified myself as one of the breach victims. I let the representative know that 1 ) I had no intention of signing up for TrustedID as it would require me to give up any legal remedies ( and is not free after 1 year ) and 2 ) I knew his statement was factually, and legally, incorrect. He reiterated that I first had to sign up for TrustedID, so I asked to speak to a supervisor. After being placed in hold for a few minutes, the same representative returned ( not a supervisor ) and he said that I did n't have to sign up for TrustedID after all, and he gave me the URL for the website so I could do it online. I am convinced that if I had been a less educated consumer, I would have been forced to join their for-profit credit monitoring service and also forced to give up any legal remedies regarding the damage to my credit confidentiality. There is no doubt in my mind that people who call into Equifax to freeze their credit are being mislead and fraudulently required to sign up for their TrustedID " service ''. Note : I also placed freezes with XXXX XXXX XXXX ; neither company required me to sign up for credit monitoring or even suggested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
I have been charged erroneous late fees multiple times from wells fargo. They continue to do this and refuse to remove their mistakes.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX Accounts 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 Accounts : XXXX XXXX {$850.00} ( XXXX XXXXXXXX ) XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX 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 2022-05-18
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The XXXX  account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my XXXX account. They don't have physical locations in XXXX so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received letter last week from XXXX a law firm which states they do n't have any attorney personally evaluating my account however Midland Credit Management is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: SC
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 XXXX Accounts 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 Accounts : XXXX XXXX {$850.00} ( Account XXXX ) XXXX  {$1400.00} ( Account XXXX ) XXXX XXXX XXXX {$560.00} ( Account XXXX ) XXXX XXXX XXXX  {$750.00} ( Account XXXX ) XXXX XXXX XXXX- {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} ( Account XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account name crdtonebnk Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Chase Auto Finance advised that they received confirmation from XXXX, XXXX and XXXX that the block was removed from my account. However, I am requesting proof of documentation that they sent letters requesting XXXX, XXXX and XXXX to re-insert my lease payment history for my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: CITIBANK, N.A.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Me, XXXX XXXX XXXX and my wife at the time XXXX XXXX XXXX, in XX/XX/XXXX refinanced our home mortgage, and also acquired a separate loan for the home where I currently reside. In XX/XX/XXXX we separated, divorced, I somehow acquired all debt. I was allowed to refinance mortgage on current residence at the going rate of % XXXX. as I tried on my other mortgage, with interest rate at % 8.4276, have denied and denied, due to debt to income ratio, to which I had no options. I have sold the place several times on contract, here six years later yet again I am struggling to make both house payments because remember my debt to income ratio makes me not qualify for a more reasonable interest rate but also a much much much much lower payment to reduce my DEBT TO INCOME SO WE CAN LEGALLY ROB YOU BLIND RATIO. DIVORCED DEBT RECIEVER IN KY NEEDS HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have recently been made aware that a judgment was posted against me in 2013. I can only state on record that this collection agency and debt buyer never served me personally as to a pending lawsuit that I could have easily challenged. What I believe happened, it that this company mailed a copy of a complaint to my former address in XXXX New York State, submitted false service affidavits, and then filed a default judgment against me in the proper jurisdiction, as in this case XXXX New York. The facts show that this illegal collection practice is a scam : The judgment company has a collection division that states that they are still collecting on behalf of the original creditor. However, the judgment shows that the judgment is owned by the debt buyer. It is in essence a double hit to me on credit, whereas I now have a judgment on XXXX end, and a completely different company on collection, this does not take into consideration the original creditor on my credit reports. The collection process is broken, already confirmed by the Federal Trade Commission. 
I now have XXXX different fights to deal with all because my rights under New York legal practices were violated, and my rights under the Fair Debt Collection Practices Act were also violated. I demand a full accounting of disclosed documents pertaining to the illegal judgment posted against me. 
I demand this company vacate of the existing judgment XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
As a victim of identity theft, I discovered that there was an American Express Serve account opened in my name. When I informed the American Express Serve that the account was a fraudulent account, they proceeded to send an email to the email address of the identity thief and then the gentleman lied about sending the email. Once an account is flagged as fraud, typically the account information is not used. Per the FTC, under the authority of FCRA 609 ( e ), 15 U.S.C. 1681g ( e ), I am entitled to a copy of any information pertaining to the opening of the account and any account information available. Despite the fact that I 've sent them a police report, an FTC affidavit, and valid identification per the requirements of the FTC, they refuse to work with me on the account information, I 've been hung up on, I found that someone claiming to be a supervisor in their fraud department ( Account Protection Services ) has no fraud training, I 've spent hours on hold with associates that are ill equipped to deal with a fraud case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: RCS Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We have been asking for a statement on this debt for 2 weeks now, original request submitted XXXX XXXX. We were told then we would have it by XXXX the following day. We have received the same response each day since but are now being told that they have 30 days to send verification. We are set to close on a house on XXXX XXXX and the only thing holding the bank up is verification of this debt. I have also given them permission to speak with our lender to verify information when she calls. They have railroaded her each time. My last conversation with them was this morning in which they told me to continue to wait to which I replied they could continue to wait for further payments until we receive a statement. We have been making payments and are more than willing to continue. We would like to pay the debt off in full at this time but are being advised by the lending bank to wait until we receive the requested documentation.

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
Consumer complaint received 2017-01-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a certified letter to Midland Credit Management to request verification of the debt they are attempting to collect. I requested the verification, the certified letter was received. In turn I did not get verification, but a letter which told me to provide proof/ records as to why I was disputing the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am a former XXXX XXXX XXXX student. I applied for a private loan with ASFG, who uses XXXX XXXX. I made XXXX payment of XXXX in XXXX of 2016. The school closed down with out notice to any of the students. I have been in contact with stating to get the money from XXXX XXXX. Also have been getting statements and a letter of default on my loan. There are the ones who are breach of contract, for shutting their doors. I would like my loan to become a zero balance. My account number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I know that no valid direct verified contracts exist with me and another party by XXXX XXXX XXXX, I know that any attempt to collect a debt is actually alleged indirect action, I did not give consent to benefit from or utilize my authorized credit. as per 15 USC 1602g,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have submitted a complaint and you are doing nothing to help me. This company is stealing from people like me on a fixed income and they doubled by interest rate in one month there should be laws against this. I thought you were here to help the consumer but I see not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My family and I have lived in XXXX county all of our lives, and I purchase my home, planning to stay here my retirement years. Like you I actively participate in my local community, by volunteering my time at our local hospital, school and homeless shelters, But now I 'm the one needing help, I face losing my home to foreclosure and may end up on the streets. I am a good citizen and hard worker that has fallen on hard times. My loan servicer, Bank of America closed the door on communication when I tried to get assistance on my mortgage. I was completely shut down while I was making my trial payments. I am now in a situation where I am holding on to my home by a thread, when all it would have taken was a little bit of effort on the part of Bank of America to provide me access to available assistance programs for homeowners. It has been a very difficult time for me as I struggled to get back on my feet financially and attempt to save my home. 
I 'm a victim of the mortgage dot-com bubble burst, housing market crash. I began struggling financially and took a toll on my health. I was laid off from work, and during this time my oldest son and nephew moved out. I was diagnosed with XXXX and XXXX XXXX. I 'm under treatment and medications. 
As the mortgage Industry collapsed, the work slowed and then stopped in 2008. I was laid off, collected unemployment. After my UE benefits exhausted, I had to take other jobs that were stable, but paid less than I was use to making and could not keep up with my mortgage payments.I reached out to Bank of America for assistance ; I was wrongly advised by Bank of America representative by recommending I fall behind 90 days or more in order to be reviewed for help. They review and qualified me for a loan modification options. I made my payments for 5 months, and due to the improper communication, Bank of America disqualified me and pull me out of the program. My loan should have been review for a permanent loan modification or retention options after the third payment. 

Bank of America has refused to work with me on my loan and I feel that I need my issue elevated to an executive level. I have been able to speak with above the line staff level and I was hoping your office could intervene and get me someone who could take my matter seriously and speak on my level. I should have never had to go through the difficulties they put me through and it looks like they got about XXXX to help homeowners. It appears that my loan qualified for government modification programs when I reached out to them in the past. Now they are trying to take my home away through foreclosure. It 's their fault that I am so far down the road and behind on my payments because they should have helped me years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation