BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX did not provide enough information. I am in too much pain, I am currently injured due to a surgeries I had a couple months apart. Why should I have to do a lot of running around spending more money and stopping my bed rest because this company are unable to comply with my request. They have send letters to me about a debt they are trying to collect and call me, but it so hard to screen shot take a picture, scan and send they documents here. Its not hard for them to do this? You are the company reporting on my credit report, you are the company trying to collect a debt I should not have to get a police report, go to the places you want me run around to that is out of my county in windy cold air that causes more pain to my infected wound from recent surgies for they debts you are trying to collect may get dismiss because you have no additional proof. You do n't have the most important part of the debt ( s ). Please provide the documents here : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay or a contract? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 


State the amount of the debt when you obtained it, and when that was. 

Best regards XXXX XXXX XXXX ( currently injured ) If proof is needed I will open another complaint here to prove it. Now you prove these debt ( s )

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 2017-09-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since the XXXX XXXX news of personal data at Equifax being hacked, I have been trying to obtain a credit freeze with the company. I was able to request similar credit freezes with XXXX and XXXX through web pages, in about 5 minutes each, but I am completely unable to get through to Equifax about a credit freeze -- on the web or by phone. 

First I tried the obvious site, www.freeze.equifax.com. I recorded name, address, birth date, and Social Security number on the first page, titled " Place, Temporarily Lift or Permanently Remove a Security Freeze. '' The second page that comes up is titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze '' -- but the only options all have to do with LIFTING a security freeze, NOT placing one. Thinking this was a website glitch, I kept trying the page on consecutive days for more than a week, but an option for placing a freeze has never appeared. I also tried two different browsers, but the result was the same. 

Today I decided to try calling Equifax since the website does n't work. I tried three different numbers, at which no one could help. Someone at the first number ( XXXX ) referred me to a second number ( XXXX ), which was a recorded message about requesting a credit report. A third number ( XXXX ) is only effective during business hours, so I 'll have to call back tomorrow. 

Meanwhile, I did have success with an Equifax site that allowed me to put basic data in and learn that I 'm probably not at risk -- but given my poor experience with customer service so far, I do n't believe I can trust that message. 

It almost seems as though Equifax is deliberately making it difficult for consumers to get any kind of help with security freezes... although, of course, it 's very easy to subscribe to their own credit monitoring plans. I feel as if I am being stonewalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Experian Information Solutions 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:
On XXXX/XXXX/XXXX I settled a collection account with XXXX XXXX XXXX, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by XXXX was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled on XXXX/XXXX/XXXX, XXXX had not yet been reporting the collection account on my credit report ( see attached XXXX credit report showing collections only, dated XXXX/XXXX/XXXX ). However, in XXXX, over a month after I paid the XXXX collection account, the collection agent XXXX XXXX XXXX reported a new collection account to the credit bureaus with a retro open date of XXXX. 
In XXXX XXXX, I spoke with a Diversified collection agent who informed me of the original creditors [ XXXX XXXX collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to Diversified submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted XXXX again on XXXX/XXXX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the XXXX collection agent on XXXX/XXXX/XXXX via credit card. Additionally at the time of payment I inquired with the XXXX collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the XXXX credit bureaus, and in XXXX XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the XXXX collection was settled prior to the account being reported, I filed dispute with the XXXX major credit bureaus, XXXX XXXX, Experian and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.

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 2022-01-12
Company: HW Holding, 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:
Hunter warfield acting on behalf of XXXX properties is claiming I owe {$4400.00} to XXXX properties. 

They have my personal information including my date of birth, ssn, mothers name and other information of mine. 

This debt is not my debt as I have never had any dealings with XXXX XXXX and have never rented from them. 

I have tried multiple times to get this removed from my credit report but it keeps coming back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: DISCOVER BANK
State: OH
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:
Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and XXXX  all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We received a call from a debt collection company, XXXX XXXX XXXX, which stated that I owed an overdraft balance from TD bank. I wanted to receive documentation that validated my debt and the representative refused to answer my questions and would constantly over talk me. She stated that I did not need to have her name and was questioning why I had not paid my debt and that it would be reported to the credit reporting agency. She told me that the call was being recorded and I stressed that I would not validate any information until I received a validation of debt letter, which she refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been approved for HAF ( Homeowners Assistance Fund ) for 18 monthly payments of {$1400.00}. When I call my mortgage company I get the run around and no one can give me a clear answer as to if they have received check payment from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed the below stated inquries with TransUnion multiple times and they will not remove them from my credit report. 

Unauthorized Inquiries 1. XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX  XXXX- XX/XX/XXXX 3. XXXX XXXX XXXX- XX/XX/XXXX 4. XXXX/XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX- XX/XX/XXXX 10. XXXX/XXXX- XX/XX/XXXX 11. XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX/XXXX- XX/XX/XXXX 14.XXXX/XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 15. XXXX XXXX/XXXX- XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiries that I never applied to. 
Here is the list of false hard inquiries : On XXXX : 1.  XXXX/XXXX : Inquiry from XX/XX/XXXX 2.XXXX/XXXX : Inquiry from XX/XX/XXXX On XXXX : 1. XXXX XXXX XXXX/ XXXX XXXX  : Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX/ : Inquiry From XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On approximately XX/XX/XXXX I notified Citi Cards of a purchase made at a questionable site. For safety I used a Virtual Credit Card number provided by their web services while logged into my account. The purchase was approximately 30 days prior to this date, I ordered a laptop at a great price and on XX/XX/XXXX I received sunglasses instead of the laptop. 
I contacted Citi, deleted the virtual card and started a charge back as the site was now being clearly flagged as fraudulent XXXX On XX/XX/XXXX I found that my XXXX XXXX could no longer log in to get my three credit card balances from XXXX - I tried signing in and could not sign in, could not recover password. 

I called Citi and was told they are unsure what's going on, even questioned that I had ever signed into the XXXX site as they could not find a login for me - yet I had been using the site for years. 

The next Monday I was called to be told that due to the potential fraudulent site where I used a secure virtual credit card number, they had deleted my login preventing me from accessing any of my three major credit card details. 

At this point I can't see what charges have been used against my card, I can not check the status of the charge back, I can not make or schedule payments. 

I was told that it would take 14 days for them to restore my access - as of this writing I have been unable to access my account for 21 days. 

Multiple contacts with Citi reaffirms their recover of a user account deleted by their action takes 14 days. This is unacceptable - the account is less secure as I can not see the charges, I can not make payments on any of my active three credit cards. 

This brings into question their disaster recovery story - how can it take a business more than two weeks to recover any aspect of an online service? 

Due to my many XXXX begging them to do their jobs and restore my access they have reminded me that I can pick up the phone and make payments to them over the phone. This defeats the use and history of me managing my account for years via the web site. It also would make me have to surrender my checking account number to them over the phone - more great security issues for Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I closed my Virgin credit card account ( # ending with XXXX ) managed by Comenity Bank in XXXX. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2200.00}. I. called the bank and they acknowledged that the account in XXXX was closed and could not answer why they accepted charges on the account in XXXX. 

The bank opened a fraud claim and asked me to sign a document that said I might pay the charges if I did not cooperate with them. I told them I would not sign anything that implied I take responsibility for these charges. I offered to sign a statement that disputed the claims but did not include language about me accepting ay responsibility for these charges. I also filed a dispute with XXXX. Comenity refuted my dispute with XXXX. 

I received a letter dated XX/XX/XXXX that informed me they found no basis for my claim. On XX/XX/XXXX, I received a statement showing a {$0.00} balance. I then received an email dated XX/XX/XXXX, stating I owed {$2200.00}. Comenity Bank continues to acknowledge these charges were placed on my account AFTER it was closed. 

I placed a call to Comenity Bank 's fraud division again on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX. She confirmed the account was closed in XXXX and the charges were placed on my account in XXXX. She could offer no explanation as to why this was done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and found a charge for the following company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not taken out any loans being that I was not working for 5 years at the time of this charge. As far as I can remember military members and spouses are not able to apply for payday loans. Further upon checking my report I noticed a previous address listed as mine was nowhere near where we lived but was near this payday loan company. I want this collection taken off my credit report being as I never applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, INC.
State: OH
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:
I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Byrider Franchising, LLC
State: OH
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:
I tried disputing the account due to all of the wrong information including the payment history, and how they are still reporting even after the charge off date and the account has been closed for years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2021-09-10
Company: Paradigm Assets, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
JHPDE Finance I , LLC, claims to have sent me information on an account they claim was opened in XXXX but I have no knowledge of the account and was never sent any information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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 2022-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Trying to find out if JPMorgan Chase sold my loan before we sold our house or if it was still through them. 
If it was still through them, trying to find out about a payment XXXX is saying that they made for them and we owe. I have called multiple times and no one understands my questions. 

We received a letter from XXXX stating that they made a tax payment in our name for a lender ( the lender was not named in the letter ) and since we sold the home, we owe that tax payment back to them. They have sent us multiple letters and are now threatening to send to collections. 
I have spoken to 1 person at JP Morgan Chase that said they have no clue who XXXX is and it is definitely a scam. If that is proof, I need a letter stating that XXXX did not pay my taxes and this is a scam.

Company response to consumer: Closed with explanation