BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have this company trying to collect a medical debt from me saying the time frame was from 2017 in XXXX. I was still XXXX XXXX military during that time and have never paid out of pocket for anything medical during my active service time. I am now retired but was still XXXX XXXX military during that time. All medical bill go through XXXX for the military so any claim to owe anything would have went through XXXX. I have never got anything from XXXX about a bill in the amount of {$1100.00} owe or not being covered. I believe they must have the wrong person. 

They have not provided anything that says a denial from XXXX to pay. They have never sent me anything saying I owed anything. They just showed up on my credit report and show these guys are not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the two credit bureaus equifax and XXXX. They continue to report that an account, solor mosaic, is open and current. That account is paid in full and closed. I have disputed the information as incorrect several times and the above companies report that the account remains open with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-12-24
Company: Experian Information Solutions Inc.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX ) via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2006, BALANCE OF {$35000.00}

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 2022-08-11
Company: SYNCHRONY FINANCIAL
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was in XXXX XXXX California for a vacation with my husband and decided to go to the XXXX XXXX fair. There was a pop up stand that was selling purple mattresses, we have been wanting one for a while and decided to check out the stand. The sales guy named XXXX with Mattress Firm trapped us on just looking to see what we would be approved for with credit to purchase one of these mattresses. Once he saw how much we were approved for he called another sales man named XXXX over to try and get more approval through another lender. This took forever and they kept going with the purchase although me and my husband werent completely sure we wanted to purchase through them as they were giving us sketchy vibes. After they got the sale almost finished, it wasnt even the bed we wanted and the sales guys didnt want to go back and change or cancel all the work they just decided to do themselves. This all took place on XX/XX/2022. After a couple days with no email confirmation of the sale, I really started to feel uncomfortable with the purchase they made me do and I decided to reach out to them to at least change the bed to the one we actually wanted. XXXX said to text him the changes I want and XXXX fix it. This never happened. It took over a month to even get a delivery date from some other company and they brought the wrong bed to our home and we explained to them the issue we were having. All they said was that they can say we refused the purchase and Ill have to go through mattress firm to get the correct bed. Throughout this entire process I was trying to contact mattress firm multiple times to confirm the changes of the bed we wanted and all they have is an online service that doesnt help you. There is no way to report mattress firm and I am now being charged for a bed that I never received. I tried contacting the salesman and they both have not responded to me. This company or at least the fair should be shut down for fraud.

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 2023-06-19
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: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} 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
Consumer complaint received 2023-06-19
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:
I am very disappointed with these companies ways of investigating. On XX/XX/2023 I sent the creditors and bureaus a letter and all supporting documents that proved I am a victim of identity theft/fraud and that the accounts and inquiries that are reporting are incorrect an must be removed, deleted, blocked from all 3 of my credit files. I asked for the step by step procedure on how they were able to verify this information and both creditors and bureaus failed to do so. I will be forced to take legal action and I will be contacting the better business bureaus and the attorneys general if this matter isn't resolved asap. I will give you all one more chance to get it right and remove these fraud accounts that I am not liable for because I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: DISCOVER BANK
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had a Discover Card in my name for XXXX years, did not miss any payments. I paid either the minimum or just over it, for years. The company raised my interest rates, and then the amount owed each month, which I could not pay on a fixed income. I tried to have them reduce the amount owed each month back to the original payments, they quadrupled the amount, and won't stop calling me day and night. It is stressing my XXXX XXXX XXXX mother out completely, because they wont stop calling. I have talked to Discover reps several times, and they keep increasing the amount instead of reducing it. Please have them stop harassing me and my XXXX XXXX XXXX mother at our home. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax got hacked and took 1 month to tell us about it. All of my personal financial information is out there in the open. I ca n't just change all of my account numbers. This hack is going to follow me around for the rest of my life. 

To top it all off, Equifax wo n't even give us lifetime credit monitoring. They give us a year, at most, if we agree not to sue them. I have to freeze my credit now, and these XXXX are making me pay for the privilege. Their incompetence is costing me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: MONEY SOURCE, INC., THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX claims they have no time limit to refund escrow from paid-off mortgage. 

Refinanced, and closed on XX/XX/XXXX. Funded new escrow out of pocket, was assured the prior servicer would refund my existing escrow account. Previous mortgage was paid off in full. Sadly, I have been out several XXXX dollars for weeks now. I've delayed car repairs, and foregone contributions to retirement due to this. This expense was not anticipated during the cash-out refinance process. Am I entitled to lost gains on the amount due to the excessive delay? 

I made several calls to the prior loan servicer ( XXXX, formerly The Money Source ) throughout XXXX. It has now been a month since closing. No plan of action was provided which would ensure I received my refund inside the requisite 20 days. When I ask them how long they are allowed to take with this process, their response is that there is no time limit, and that it's their policy not to make any guarantees. All staff have told me to just keep waiting, and the next time I should call back keeps getting increased. Although they had such delays even getting the disbursement task assigned and started, they have laughed off suggested alternatives to XXXX ground mail, such as funding the new escrow or using the direct deposit system I used with them for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: DC
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 have recently reviewed my credit report with XXXX XXXX, XXXX, Experian and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number XXXX. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number XXXX. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number XXXX. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all XXXX active federal student loan accounts noted at department of education/ XXXX off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. XXXX have reported XXXX active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of Education/ XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.

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 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/XXXX XXXX withdrawals were made from our account one for {$2700.00} and one for {$1300.00}, the name on our bank statement is XXXX XXXX XXXX for both withdrawals, saw that this was done when checking bank account on XX/XX/XXXX at XXXX XXXX  called Bank of America and notified them they canceled the debit card and have issued new card

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 2023-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
It should be known that this complaint is filed against XXXX, Experian, and XXXX for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. XXXX reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by XXXX. 6. XXXX also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. XXXX also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and XXXX has failed to do so. 8. Experian reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. Experian also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. XXXX  report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be seen.

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 2023-09-14
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I purchased a merchandise from XXXX XXXX - XXXX - XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX  ) for the amount of {$1900.00}. When I received my first statement it showed that I needed to pay {$2800.00}. I received my first statement on XX/XX/2023, from XXXX XXXX XXXX ( this was opened through the XXXX store ). I immediately called to speak to customer service XXXX. The person answered the phone handled very nicely and told me that they will look into it and get back to me. She also told me that in the meantime I should submit my monthly payments which I did. Nobody contacted me, then I received my second statement, they wrong amount was still there. I called again and the same thing, the person who answered the phone ask me more questions and asked me if I have the receipt, which I do. She told me sending the receipt should be able to fix the problem. I sent the receipt on XX/XX/2023. I did not receive anything from them, so I call them back to ask if they have received my letter with the receipt and the person on the phone told me yes and she said not to worry.

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 2018-04-27
Company: AMCOL Systems, Inc.
State: TX
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:
This company does not have a surety bond in the state of Texas to collect this debt. Therefore, they are in violation of this state 's law, which is Sec 392.101 of the Texas Finance Code. I filed a formal complaint with the TX AG 's office.

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have told this company on multiple occasions to dispute the debt. They keep calling me and then talk disparaging to me and on multiple occasions they hang up on me. One rep told me I couldn't pay my bills so she wouldn't talk to me. Other gentleman told me I couldn't dispute or talk to them about the debt until they hit my credit. XXXX has sent this to a XXXX debt collector because they know I've disputed this. This company is the shadiest and refuse to dispute the debt and act professionally.

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