BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have been a victum of identity theft. i am currently employeed with XXXX XXXX XXXX. in XX/XX/XXXX i was made aware of collections on my credit report from XXXX. three separate collections, one is {$670.00}, {$650.00}, and {$710.00}. All three were with a collection agency named Diversified consultants. During that time, i have faxed in all info required to prove my identity and that these accounts were all ooened without my authorization. those 3 collection accounts were eventually removed from my credit. In XX/XX/XXXX, all three of these collections reappeared, but now with a different collection agency. that collection agency is called XXXX XXXX. i also have 2 separate collections with XXXX XXXX from XXXX XXXX XXXX. those 2 accounts are a total of {$2100.00}. these accounts were not employee accounts and also were created due to identity theft. i have tried to take care of this on my own, but not getting anywhere. now im getting consistant calls throughout the day and also family and friends are being harrassed about these collection debts that i did not authorize. i am hoping this can be resolved that will result in these attempts to collect these debt cease and removed from my credit. any help would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my account in the end on XX/XX/XXXX when I got a email stating my score changed. I went on and found Transworld Systems ( TSI ) had put a supposed debt collection on my XXXX report. It stated the account was opened in XX/XX/XXXX although it didn't show on my report until XX/XX/XXXX. It shows it is some kind of medical debt although I have insurance and haven't been without insurance since I was a child. I also did not visit the doctor in XXXX other than an urgent care. The debt total is {$1000.00}. I find this interesting because some time ago my husband had a medical bill go into collection with them totaling {$1000.00}. Which was open on false pretenses. The bill was paid through charity care and should never have gone into collection in the first place. We also got some kind of letter from TSI. It was unclear what the name was as it had a XXXX and our last name, but didn't make up a full name. We just assumed they were trying again to get my husband to pay so we sent a letter with his info on XX/XX/XXXX through certified mail. The certified postcard was signed and sent on XX/XX/XXXX. We didn't even consider me as I hadn't been to the doctor and the debt total was the same as what they tried to collect from my husband. After it showed up on my report I sent a letter also on XX/XX/XXXX through certified mail also. The certified postcard was signed and sent on XX/XX/XXXX. The only thing I can come up with is TSI is trying to get their money they paid to purchase the debt, which we do not owe them and never did. We thought this was resolved after it was removed off my husbands report. But it shows now on mine. We contacted them and asked them to remove the debt but they have not sent anything back in response. It has now been 2 months and it is still on my report! I am also curious how did they get my information?! Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
COI constantly calls for a payment and I keep asking them I woumd like to settle debt with original company XXXX to settle and when I keep asking that they seem to want to harass me even more. They are reporting negatively on my credit report.

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 2018-12-06
Company: Experian Information Solutions Inc.
State: MO
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 not consented to a contract, so there can not be an existing Judicial contract for child support. There is a separation of powers issue along with a number of FCRA and due process issues that are routinely as a matter of habit violation. How can one be court ordered lawfully to be coerced into participating in an executive branch program through the judiciary. You just can't. FCRA 622 reads : Notwithstanding any other provision of this title, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 604 [ 1681 b ] of this title any information on the failure of the consumer to pay overdue support which is provided ( B ) to the consumer reporting agency and verified by any local, state, or Federal government agency.

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 2018-02-26
Company: AES/PHEAA
State: WI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX  # To whom it may concern : I recently disputed with all three ( 3 ) credit  reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : Fedloan Servicing as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX  6. XXXX XXXX XXXX {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX 8. Account Status on XXXX is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : XXXX  dispute - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Comerica
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Comerica Bank inaccurately reported information to a Consumer Financial Protection Bureau called Early Warning ( Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXXPhone : ( XXXX ) XXXX ). Comerica Bank wrongfully reported that I committed banking fraud when I have never written a bad check, nor have I ever conducted any unlawful or illegal activity with any bank. I reached out to Comerica Bank 's quality assurance department on XX/XX/20 by calling XXXX. I spoke to XXXX who aggressively attacked me. She made a very XXXX joke about the political organization, XXXXXXXX Lives Matter. She  stated " well all bank accounts matter '' when I asked for a supervisor. Comerica Bank has a long history of racism and hostility toward their clients and hit is very well documented online. I will list a few links in this complaint : ( XXXX XXXX XXXXXXXX 
XXXX & XXXX & XXXX ) ( XXXX XXXX XXXXXXXXXXXX ) (   XXXX XXXX XXXXXXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: NV
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:
My loan payments were always sent on time. I keep explaining this to to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: PREFERRED CREDIT INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-12-06
Company: EQUIFAX, INC.
State: DC
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:
My loan payments were always sent on time. I keep explaining this to Equifax and XXXX  but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX  XXXX, XXXX XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First of all, this company has never contacted me regarding this debt that they purchased. Theyve been reporting on my XXXX report for 10 months now. Had they contacted me, I would have explained that Im on XXXX and they cant collect my benefits. I also wonder how they can force me to pay an amount they never paid themselves. Unfortunately, they will not be able to collect on this debt. I also don't understand why payday loan companies get away with charging exorbitant interest rates to create hardships for people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was turned over to collections by my hospital and the collection agency Harris an Harris contacted me for money. I paid {$1000.00} from my husbands Health savings account on XX/XX/18 and they can not find the payment. I faxed the statement to them showing the payment and contected them today and they still cannon find the payment. They said they are going to report the rest of my outstanding balance tyo the credit agencies since I still owe it and I told them that I can not make another payment until they find my {$1000.00}. She said it does not matter, I still owe the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Midwest Recovery Systems
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest recovery system has been saying I owe them money since XX/XX/2018. I have never even been to this office in Missouri, it started when I left for XXXX XXXX  and was XXXX in Missouri. There have been multiple times that Ive had to try and removed this debt because it is hurting my credit score. The debt is not mine. Ive even froze my credit in hopes of it stopping this company from making fraud claims on me and nothing has worked. This one said I have a debt owned from XX/XX/2018. Ive been home since XXXX. Please help me permently remove this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
i have been an american express customer for years. i noticed about 8 months ago that my business management account waas not accumulating points i called last weekend i was told since XX/XX/2017 no points have accumulated. i was told it would be worked on. i call today and see nothing has changed i get transferred all over the world with no regard for my time. this is stressful enough and i cant be the victim of system failure. i need points i am owed from XX/XX/XXXX on on business management acct which i am owed and other for my trouble and how this happened explanation without calling and being trnsferred all over the world

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im having a problem disputing a negative account with Experian I disputed this negative item a few months back and Experian said the account came back verified. But i discovered a new mistake on this account this account number is wrong. So when i try to dispute this account online it says to call there XXXX i tried to call this number and i keep getting the run around or be put on hold over an 1hour.

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 2018-12-06
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan  because of this CHILD SUPPORT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My application for a credit card at a department store was denied. Upon receiving the explanation for the denied application I found out the credit report contained inaccurate information. The inaccurate information stated I had an undischarged bankruptcy. Actually, there are two records of undischarged bankrupcy because I applied for bankruptcy twice in the last couple of years. 

I can not have an undischarged bankruptcies because my applications for bankruptcy were denied. Therefore, they can never be discharged because they don't exist. 
Nevertheless, Experian indicated this misinformation would be on my record for 7 years.

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 2020-08-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2020 I canceled my XXXX XXXX Citibank card as I never use it. I canceled the card when it was due for the annual renewal fee of {$95.00}. When I entered the account online it states that the card was canceled and the account closed. Confirmation letter is attached. 

Citibank at the same time was changing out the card for a new card number system with a new account number. The Citibank Associate I was working with reassured me that when I canceled the new  replacement card it would cancel the old card as both cards are associated and he was canceling both card numbers. Notwithstanding they have different account numbers. A copy of the account cancelation confirmation notice is attached, Ever since I canceled this card I have received harassing phone calls from Citibank demanding that I pay the Annual fee for the account that is closed.. 

CUSTOMER SERVICE REPRESENTATIVES I have waited on the phone line for 30 minutes - 1 hour to speak with a Customer Service representative to address the above mentioned issue. Each time I speak with someone they will state that the two cards are associated and one is the older card and the other is the new replacement card and the fee  is not payable. They always forward my call to another Customer Service representative until the third or fourth Customer Service representative when they drop the call. 

AUTOMATED HARASSMENT CALLS Almost daily I receive an automatic robot call from Citibank advising me that I must contact Citibank urgently to resolve the matter. The calls arrive always around XXXX SEVEN days per week. If I accept the offer to speak immediately to a Citibank Representative they request specific information from me. After providing the information I am informed that Citibank offices are closed and to call back at another time. 

EMAIL MESSAGES I receive emails monthly stating that my account is past due. I also receive emails every two weeks stating that my account payment is overdue. The account is closed. 

I AM A SENIOR. I AM AN ESSENTIAL WORKER I have tried in good faith to resolve this issue with Citibank with no success. I will not pay a renewal fee that is not due. 

I am concerned that many others who dont understand Annual membership fees are making the payment for accounts which are no longer active to this corrupt bank.

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 2018-12-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 Barclays Bank Delaware, Dear Barclays Bank, XXXX Credit Card XXXX I am member since XX/XX/2018 and I had a credit line {$3500.00} .I am maintain account good standing and I am paying bills on time.

Your bank Credit line reduce up to new line of {$1000.00}. I am really disappointed and not happy done this.

Please reconsider my request and granted my credit line back to {$3500.00} Thank you 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 explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: NC
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:
Ok so for the past year I have been working on my credit score. A week or two ago my score on equifax dropped 10 points because a loan was added to the report. Out of all the credit places equifax is the only one where my score is extremely low. I have 31 inquiries on my credit file on equifax. There is no way that all of those inquiries are less then 2 years old. Equifax gives you a hard time when trying to reach customer service. Every time you finally reach customer service they said that you didnt answer the security questions correctly and you can never get access to your equifax account online at all. The other reporting agencies I have no trouble at all. I would like for those inquiries to be looked at correctly and any that shouldnt be on there i would like for them to be took off. I feel like their ripping me off on my credit score as well. I am in the process of trying to buy a home and if anything hurts my situation it would be equifax.

Company response to consumer: Closed with explanation