BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-03
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018, I contacted Merchants ADJ Service to dispute the medical bill on my credit report. The person I spoke to would not verify the debt in writing.I then contacted the original creditor, XXXX Hospital, and asked the billing department to verify the debt. They had no record of outstanding debt in connection to my name, birthday, or social security number. On XX/XX/2018 I filed a dispute, online, with XXXX. The investigation determined the debt to be valid. 

On XX/XX/2018 Merchant ADJ Service reported a second medical bill, from a different facility, to my credit report. On XX/XX/2018, I contacted the XXXX XXXX XXXX XXXX, and they had no outstanding bills in my name. I was then transferred to XXXX in the billing department of the XXXX Hospital. She had no record of outstanding bills connected to my name, birthday, or social security number. I called XXXX, explained the situation, and filed another dispute against these two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: EQUIFAX, INC.
State: TX
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:
IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX THIS ACCOUNT IS REPORTING ON MY EQUIFAX CREDIT REPORT AS IF IT'S MY ACCOUNT. I'VE SENT NUMEROUS OF CERTIFIED LETTERS TO ON XX/XX/2016 THE COMPANY NOTIFYING THEM THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY AND THE LETTER WAS RECEIVED BY AGENT XXXX XXXX, ASKING THEM TO PLEASE CEASE AND DESIST WITH THE COLLECTION PRACTICES AS I AM A VICTIM OF IDENTITY THEFT AND STOP REPORTING THIS ACCOUNT TO THE EQUIFAX BUREAU BECAUSE THE ACCOUNT DOES NOT BELONG TO ME. I'VE ASKED FOR THEM TO VALIDATE THE DEBT AND TO VERIFY THE VALIDITY OF THE ACCOUNT. SHOW ME PROOF OF THE ORIGINAL CONTRACT BEARING MY ORIGINAL SIGNATURE. DO NOT SHOW ME PROOF OF BILLING STATEMENT BECAUSE THAT DOES NOT VALIDATE THE ACCOUNT TO BE ACCURATELY MINES. I'VE FILED THE PROPER PAPERWORK WITH THE LOCAL POLICE DEPARTMENT AND AFTER THEIR INVESTIGATION THEY SAID IT WAS NOTHING THEY COULD DO. I HAVE SENT ALL DOCUMENTATION INTO EQUIFAX TO REMOVE THIS ACCOUNT AND THEY HAVE YET TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Credit Plus Inc
State: CA
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:
Inquires on my credit report thy does not belong to me, I been a victim of identity theft in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Conns placed a 30-day late with all three credit bureaus ( XXXX, XXXX, and XXXX ) for a missed payment ( XX/XX/XXXX ). I  spoke with several representatives at CONNS when I found this out and they confirmed that this was incorrect reporting ( check all the recordings! ) They instructed I write and fax a letter of explanation and request a correction and I did just that XX/XX/XXXX. 

It took months for me to receive a response that Conns would not correct the error. Therefore, this incorrect reporting has negatively impacted my credit for now 5+ months thus dropping my score considerably and that is unacceptable. We have planned to move our children to another district due to bullying in XX/XX/XXXX but at this rate I couldnt purchase a home, let alone lease a home with this negative reporting so this is beyond stressful. We have to relocate, who's going to accept us with all these 30-day lates?!? My credit worthiness is very important, so I wouldn't haphazardly miss a payment. 

Im disputing the initial 30-day late that was given and request that Conn 's notify the credit agencies to remove it and all the rolling 30-day late that are being reported thereafter based on the following facts : I was given an extension on payment XX/XX/XXXX due to that fact that I had been adversely affected by Hurricane Harvey. I was told that the extension would be for XX/XX/XXXX and XX/XX/XXXX payment and the amount requested and paid on XX/XX/XXXX was {$49.00}. This payment allowed me to enter into the extension agreement and that my next payment would be due in XX/XX/XXXX ( XX/XX/XXXX to be specific ). I made XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$250.00}. It wasn't until XX/XX/XXXX when I checked my credit that I noticed Conns had been reporting me 30-day late for missing XX/XX/XXXX payment. 

I was hard enough to deal with the devastation from Hurricane Harvey and Conn 's not honoring their agreement has only made it worse. I had never had a 30-day late with Conn 's prior to Hurricane Harvey and their promise for an extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX billed me for a service I never authorized ( see attached documentation ) on XX/XX/XXXXat XXXX They billed on my credit card a {$490.00} charge for a next full year of service. I contacted XXXX XXXX and said I never authorized the charge and did not desire their services for another year ( see attached documentation ) - I notified XXXX XXXX on XX/XX/XXXX at XXXX XXXX that I never authorized such billing I explained to XXXX XXXX that I had already removed them as the registered agent and they continued to bill the {$490.00} charge anyway I contacted my credit card company and they then removed the charge About a month later XXXX XXXX billed the charge again by claiming the charge was for service provided Which is a lie The charge was for future services that I did not wish to have from XXXX XXXX ( see attached documentation ) Now it is fraud and my credit card company refuses to accept the charge as fraud and will not remove it

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 2021-05-23
Company: Bread Financial 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: Account status incorrect

Complaint:
Inaccurate account status for XXXX and XXXX of XXXX as well as XXXX, XXXX, XXXX, & XXXX in the year XXXX. Since XXXX, I've been in contact with the company XXXXXXXX XXXX and was advised my account status would be corrected in no later than 45 days but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Thrivepoint Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This is in regards to the XXXX Loan Program. I had the insulation in my home redone and the contractor suggested this new program in XXXX of 2016. Sounded good as it put people to work and possibly tax deductible. Was not told that payments would not be made in the first year which leads to a negative amortization situation over the first years of the program. We owe more now than what we actually paid for the service and have made two years of payments. In the payoff statement I am including, the company is asking for {$2100.00} in interest payments for 2 months. The initial service was only {$7200.00}. 

I was also lead to believe early and additional payments could be made without penalties or extra fees. The website charges {$50.00} for a payoff statement and does not give any information regarding early payments. This is a bad situation for homeowners with may pitfalls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Purchased product online merchandise in XX/XX/2017 The product cost {$110.00} with recurring monthly fee of {$50.00} After receiving product it was discovered that it was illegal ( FCC regulations forbid use of such product ) Contacted BOA credit card whom refused to refund

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
Hi and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions Inc.
State: IL
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:
According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and Department of Education ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. AroundXX/XX/XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and XXXX/ XXXX/ Experian continue to allow  for the information to be removed and replaced back 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 non-monetary relief
Consumer complaint received 2019-02-03
Company: CL Holdings LLC
State: OR
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 want XXXX account and collection removed from my credit reports. Ordered products from XXXX all the way back in XX/XX/XXXX, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted fedex and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that address and they said my package was delivered there but they gave it back to fedex to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from XX/XX/XXXX of all the emails I sent to fingerhut informing about the address and trying to get them to do something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: Security National Automotive Acceptance
State: MD
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 voluntarily gave the XXXX XXXX XXXX ( SNACC ) back their car, which is considered a voluntary repossession. This occurred early XX/XX/2016. SNACC was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
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: Their investigation did not fix an error on your report

Complaint:
I have submitted documentation to Experian from the company they have claimed to have verified the information from. They still refuse to deleted the infoemation from my credit report even after I supplied the documentation. Please Investigate.

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 2018-05-27
Company: EQUIFAX, INC.
State: TX
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 HAVE A XXXX XXXX  CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX  REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Congress Collection put a debt on my report and I sent them a copy of the letter sent to me from the creditor staying this is not my debt. I left with my account paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Upgrade, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account UPGRADE INC account # XXXX with a balance of {$5000.00} I'm a victim of identity theft I never took out any loans with this company I never even heard of this company again this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: CORELOGIC INC
State: TX
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:
credcoor XXXX XXXX inaccurate information to credit company or broker

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 2021-03-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony Bank ( SYNCB/PPC ) sold an invalid debt to XXXX XXXX XXXX and now XXXX XXXX XXXX is threatening to sue for this debt. I never opened this account, never authorized this account or had any knowledge of this account. I was first made aware of the situation when it first appeared on my credit report in XX/XX/XXXX. The account showed that it was already 120 days past due even though it was not reported on my credit reports in previous months. I then did research and learned how to dispute the false account. In XX/XX/XXXX, I mailed multiple dispute letters via certified mail to SYNVB/PPC requesting they remove the account and provide details and statements so that I could better challenge this debt. I did not receive any of the requested information from SYNCB/PPC. I challenged the information directly with the credit reporting agencies and after their investigations, all 3 deleted the fraudulent account from my credit files in XX/XX/XXXX. 

XX/XX/XXXX this account resurfaced on my credit reports as a collection account by XXXX XXXX XXXX. I received a notice dated XX/XX/XXXX from XXXX XXXX XXXX that threatened to sue me if I did not pay by XX/XX/XXXX. I have filed disputes with XXXX XXXX XXXX thru their website and sent a dispute letter via USPS today. I have also challenged this account thru the credit reporting agencies. I don't have confidence that they will correct this issue in a timely manner ( if at all ) since they are so quick to threaten legal action. I ask that you intercede to right this unfair collection action by both SYNCB/PPC and 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 2020-06-24
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: Information belongs to someone else

Complaint:
THE ACCOUNTS ON MY CREDIT DOES NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OBTAIN FRAUDULENT ACCOUNTS I HAVE DISPUTED THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-02-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
my name is XXXX XXXX i am applying to a mortgage refinance for 4 properties with quicken loan and on one of the properties they are asking for full replacement cost for insurance which is unusual in that they are financing a loan for more amount on one of the properties. I have asked for clarification why this unusual request and no one will explain why. there is no other reason other than this property has money that is being taken out and still is under the 80 % amount that they are requesting. 

despite mul ; tiple attempts to speak to XXXX XXXX my primary contact at quicken and XXXX XXXX the person in charge for closing no one will explain this request and is holding up closing. I have been waiting for over 9 weeks. 

also i have requested to speak to management and i have not recieved any answer or any explanation as well. 


i dont know who else can help and something is not right bbut no one will explain this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: The Receivable Management Services LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the settlement debt amount of {$110.00} on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX and they did not remove this debt nor report it the credit bureaus.

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