BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-01
Company: Medical Data Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered into a payment plan with the Hospital and was told that they did not have enough information for the billing. It was turned over to a collection agency. 
I paid the collection amount in XXXX in full. They have not corrected the credit reporting and told me they would send me documentation that they would. They still have not nor have they fixed the credit bureau reporting and actually verified the credit bureau to say they were reporting accurately. I am enclosing receipt of my payment as proof as well. They also when I call confirm on the phone I do not owe but will not report properly.

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 2019-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XXXX, my husband was scammed by a so-called " tax relief '' service. He paid for part of the fee with our Bank of America credit card. The amount charged was {$3000.00}. After realizing it was a scam because no service was provided, he ordered that the charge be reversed. After over a year of dispute with Bank of America, they finally agreed to honor the reversal for the total amount. A few years later my husband and I divorced. Then I started to receive letters from XXXX XXXX XXXX for the amount of {$3100.00} from Bank of America and FIA Card Services. I asked Bank of America what this charge was for but they said they can not access that information because it is so old. I don't know what this charge can be for other than the scam tax relief company because after that, we closed that credit card and stopped doing business with Bank of America. XXXX XXXX XXXX is also trying to collect a charged off amount of {$2700.00} which is also from Bank of America. It was charged off in XXXX. Also, Bank of America / FIA Card Services was found to engage in Unsound, Unsafe, and Illegal Debt Collection Practices in XXXX so I don't consider these debts truthful or valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: AL
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:
My bankruptcy of XXXX was dismissed and it shouldnt have been. It is causing me hardship. I was homeless with XXXX children and thats one of the reasons I filed the bankruptcy. I was at the end of my bankruptcy in XXXX when me, XXXX of the XXXX kids caught XXXX. Bankruptcy trustee dismissed my case even after I appealed with proof. I was made to file another bankruptcy instead of it being modified because of the situation and losing my job because I could not work. I have wrote many letters and called numerous times trying to appeal the decision and to get this off my credit. Even with proof it still remains on my credit and they also refuse to reconsider the case. Please help me because no one else is trying to help me and my XXXX kids become better and live better in society. I have worked hard and got a place to stay and a great job now, this being on my credit is hendering us from having a better life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have been disputing back and forth with experience, XXXX and transunion regarding them reporting my finger hut account late since XXXX of this year 2019. This account along with my first premier account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.

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 2019-06-01
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've kept intermittent contact to include ordering a replacement card w/ Comenity Bank , the credit service for XXXX XXXX , over the last several years. Most recent contact was XX/XX/2019 when I received a new card based on my request filed online. I found out today, XX/XX/2019, thru the credit monitoring service XXXX, that Comenity chose to close my account due to inactivity. The reported closure took place XX/XX/2019. When I called the company the telephone prompts did not indicate any account closure, however, when I spoke w/ a representative they'd informed me that they chose to close my account XX/XX/2019, and I'd need to reapply if I wanted to have an account with them. I'd been waiting for a financially wise opportunity to utilize the card and had not had the need in the last 4 years so I'd not made a purchase - but I did keep contact to keep the account considered active as per my state 's regulations cited in : XXXX XXXX XXXX   According to Comenity, simply corresponding with them was insufficient to establish activity and not have the account flagged as an abandoned account. This has cost me 4 years of credit history and a significant decrease to my credit. It is illegal in the state that governs me, Washington, which was also the state where I originally opened the account. I've not received any communication whatsoever from XXXX regarding the account closure. I was never informed formally that it was closed - it took me contacting them to find out they'd closed it. They refuse to re-open the account, forcing me to reapply which would further adversely impact my credit score ( renewed account inquiry ) and I do not believe I'd qualify to re-open the account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inquiries. They do not belong to me. I did not authorize. Please check the attached document. Please also place an extended fraud alert on my credit report. As I see a few items I did not authorize on my most recent credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, account number XXXX is wrongfully appearing on my XXXX and TRANSUNION credit bureau reports.I have never ordered or used a XXXX account.It is highly probable that it is the result of identity theft.In early XX/XX/2015 my car window was broken and my purse inside was stolen.The XXXX XXXX Police Department came out and  made a report.Inside my purse was all my ID and credit cards. 
I have had this problem on a number of accounts not opened by me.

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 2022-09-30
Company: Experian Information Solutions Inc.
State: PA
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:
These accounts are fraudulent I have no knowledge of these accounts and I would like them to be removed off my credit report. 

Company or Organization XXXX XXXX XXXXXXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/2022

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 2023-03-12
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I reached out to the President of Navient in XX/XX/XXXX about inaccuracies with my credit report. XXXX from the office of the president reached out and way coy about my files I had two private student loans that were both charged off in XX/XX/XXXX. Everytime I dispute and request for the information to be accurate on all credit reporting agencies. Navient then re-ages the account which causes the account to continue to stay on my account longer. And XXXX continues to report 90day lates while nothing is reported to XXXX. Again another FTC violation. 

This is deliberate for me not to request the accounts to be removed for inaccurately reporting. XXXX has removed both accounts because the information is incorrect. XXXX and XXXX should be moved ASAP. Otherwise Im forced to file a lawsuit.

At this point there are multiple FTC credit reporting violations that have occurred and both accounts must be removed and Navient is doing everything to report inaccuracies to credit bureaus while hurting my credit while I have called all of this out. Even XXXX and XXXX are not helping. XXXX continues to show 90 day lates every since month while XXXX does not. 

Both accounts should be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. The following accounts have been reported as late payments, charge offs, or collections : XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these items are inaccurate and/or unverifiable. I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I would like to remind you that it is your legal obligation to investigate and correct any inaccuracies on my credit report. According to the FCRA, you have 30 days from the date of receipt of this letter to complete your investigation and respond to my dispute. If you fail to respond within this timeframe, I will consider the disputed items to be inaccurate and request that they be removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2021-03-28
Company: CL Holdings LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I had phone service with XXXX XXXX. I had my bluetooth left open and my data was charged for excessive charges. The account was closed and a debt buyer bought the account named XXXX XXXX XXXX. 
I still have XXXX XXXX as my carrier. Always have. I tried to dispute this debt with XXXX XXXX XXXX but they bought this debt in XX/XX/XXXX and refuse to acknowledge its past 6 years from when account was last charged or recieved any payments. They are wrongfully reporting this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a debt. from a health care company turned over to collections with XXXX XXXX XXXX. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both Equifax and XXXX  refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to an Identity Theft problem in XXXX we placed a security freeze on our experian account. I have tried to lift the freeze with the pin provided for my account but the PIN I was given did not work. I then send a certified letter and form as specified on the experian website to receive a PIN. I submitted copies of SS card, drivers license and utility bill and bank statement to their address in XXXX TX as stated on their form which they received according to my tracking number from the US Mail on Wed, XX/XX/XXXX. They have NOT sent my temporary pin and I can not conduct the business I wish to without unfreezing. They do NOT have any way of contacting them except by this P.O. Box so I am held hostage by them. This is absolutely wrong. Please help me to resolve this issue. Thank you for any help you may provide.

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 2020-07-10
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was tranfered from XXXX to NEWREZ in XXXX. XXXX was supppose to send a letter about my escrow balance of {$4000.00} in late XXXX. I never revieved it. I contacted NEWREZ in XXXX to verify the fund and they emailed me the same letter and told me they would investigate. In the mean time they are charging me forthey shortage. I have contacted them several time in the past few months to resolve the issue and everytime they tell me it will be escalated. I have talk to customer service reps and their supervisors. The escrow department can not be contacted directly by customers. I have been told it would be investigated several time but still no resolution. A few of the people that Have have talked to are XXXX, XXXX XXXX, and most recently today ( XXXX ) was XXXX XXXX. Again I have been in constant contact onece a week or more since XXXX about this. 2 weeks ago I was told and check would be sent out which I did not recieve. I called again onXX/XX/2020 and the told me that it is be investigated again. Today just talked to XXXX XXXX and she that they was no one available to revolve it at this time. PLEASE in need assitance on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 NO knowledge of this account, I have disputed this several times with no changes! I have NEVER signed a contract with this company, also this is being reported as an OPEN account but, also states it was closed on XX/XX/2023. 
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX amount they claim I owe {$1800.00}, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-06-01
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
Experian has a false amount tied to how much is owed on my mortgage company? I called my mortgage and the Customer Service Manager stated, : no one at the mortgage company busted up how much you owe, and our records show {$160000.00}. Experian has {$170000.00}, which is inaccurate. Please have them fix my report. 

Experian also have some collections on my account I do not know of or should have been removed. Items on my credit report has been on my record over 10 years. 

Not one item on my XXXX  report are accurate. All collection accounts have been paid and the agency stating removing them however they just blow me off and drop my credit score by XXXX points and then XXXX points there after. 

XXXX  have wrong information as well with collection actions, and incorrect amount om my mortgage company as well. This also dropped credit score by XXXX points and XXXX points. 

I have not missed payment with any creditor in the last 12 months. 

These companies are added fraudulent information to my credit report and stating it is the company. Not true it's them. My Experian score is tied to XXXX, and XXXX on my membership with Experian. I am been discriminated against these agencies to prevent me to get back on check to obtaining a very good credit score.

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 2021-03-26
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2021 I lost my phone and I didn't notice my phone was lost until I got a text message from my phone to my husband phone saying I found your phone and I need a XXXX dollars to get it back ... I said to him ok ... but before I knew it I was lock out of all my accounts from XXXX XXXX and XXXX he change everything and got a chance to get in my cash app account transfer his self all of my money that was in my account and that was XXXX all in one day and one hour. on XXXX XXXX HE did 4 transaction from my phone to his ..I have a police report and here is the case number to the case XXXX ... i contact cash app over 10 times with the police report and each time they denied me saying it came from my device ... .I have contact XXXX because someone hacked my accounts over 131 times and I explain to them that was not me and that should me a red flag on they end ... .I have been in the hospital 3 times since this than happen to me and its driving me crazy because this man still have my accounts hacked right now and he still have my phone ... I don't know what to do because I did everything the right way .I have XXXX kids that i take care of and its hard with someone take your whole life saving in one hour ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: D2 Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019, D2 Management called my work phone. The woman that I spoke with was deliberately rude.  After disconnecting the call I called the company back and asked that they no longer contact my work phone. They man that I spoke with refused to document my request unless I give my social security number, which I informed him I am not comfortable disclosing over the phone.  After speaking with multiple people and being transferred multiple times (while each person refused to honor my request), I asked for the company address to send a certified letter. The "supervisor" that I spoke with told me "this is a two-way street, if you want something you have to give me something. I need you to verify this information". I again told her I am not comfortable disclosing that information over the phone and again asked for the address so that I could send a certified letter and request that they not contact me at work.  Again the woman refused. I had to search the internet to find the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Healthcare revenue recovery group attempted to collect a debt that was payed in full by my insurance company.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
please remove fraudulent/unauthorized inquiry off my account from XXXX  of XXXX XX/XX/2022. Provide proof in writing within 30 days or remove from my 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 non-monetary relief