BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wrote a check and paid debt but it is still showing as outstanding

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While checking my credit report I noticed several accounts that don't belong to me. I contacted the police created an identity theft report then submitted the information to the credit bureaus. These fraudulent accounts have yet to be removed and blocked from my credit report. The referred accounts is XXXX XXXX XXXX XXXX Its 2 accounts fraudulently being reported on my file by this company. First account # XXXX {$10000.00} the Second account # XXXX {$710.00} Instead of removing these accounts from my report they changed the status to closed accounts. Another fraudulent account being reported is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX {$1100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/2020 I wrote HMC GROUP 2 different letters about some alleged debts that they are reporting on my credit that are not mine.I have neither receive any information nor has it been reported as disputed within the 30 days time frame by law.I would like for these inaccurate items to be remove from my credit report before i seek a attorney to represent me.I have attached a copy of the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: BARCLAYS BANK DELAWARE
State: IL
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 customer service

Complaint:
Before going on a trip to XXXX XXXX in XXXX this year, I have received the document from Barclays ( my credit card company ) stating that if I use their credit card for car rental, and decline this portion of coverage, they were going to provide for collision and comprehensive part of auto insurance. I duly did so. Upon returning the vehicle, the leasing company claimed that a part from the roof of the vehicle was missing and charged me {$400.00}. The Barclays has refused to issue credit for this amount. 

Respectfully, 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 2020-05-15
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no clue what this is. I've never been contacted by this company/medical center. 
I've never been to this medical center or sought any sort of medical treatment in NJ. I have never been to a XXXX. 

Status : Date ReportedXX/XX/2020 Payment Status : Collection/Chargeoff Account StatusDerogatory Amount Past DueNot Reported Account Details Bureau NameI C SYSTEM Original LenderXXXX XXXX XXXX XXXX Account TypeNot Reported ResponsibilityIndividual Age Of Account3 Years, 6 Months Credit LimitNot Reported Highest Balance {$640.00} Payment Details Amount Past DueNot Reported Date of Last PaymentNot Reported Monthly PaymentNot Provided Payment FrequencyNot Reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I registered a PayPal account in XXXX. In the spring of XXXX I made many sales on XXXX  with funds going into my PayPal account. On XX/XX/XXXX I was notified by email from PayPal that my account had been permanently limited and that funds would be released for withdrawal in 180 days. 

On XX/XX/XXXX, PayPal made a withdrawal to itself of all funds in the account. {$7800.00} USD The last activity in the account prior to this was XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, the balance had been {$7800.00}. There was no explanation given and they will not communicate. 

On XX/XX/XXXX. 186 days after the limitation. I checked the account to see there was no balance, and discovered that PayPal had taken the funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: FirstPoint Collection Resources
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On X/X/2017 at XXXX and XXXX, a representative, 'XXXX. XXXX ', with FirstPoint Resources disclosed nonpublic personal information regarding a debt of mine without verifying who she was speaking with. On both phone calls, the representative disclosed my name, address, amount of debt, and original debtor without verifying who she was disclosing that information too. Luckily for me, I was the one on the other end of the phone call in both situations ; however, that information could easily be in the hands of someone else for identify theft purposes now which is a major concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
as you may know I encountered identity theft before and it seems that many inquries has begun to start appearing on my credit report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..there is also a car loan from XXXX XXXX XXXX  that ... 

there are also incorrect spelling of my name neither one of them is how you spell my name My XXXX card is also report that I was late on a payment which I was not im confused to whats going on I have a identity lock on my social but they still let people run my credit without my consent ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: MIDFIRST BANK
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:
My issue is with XXXX  's continued use of two accounts on my credit file. They are XXXX XXXX XXXX and Midland Mortgage. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX  does not show these accounts! Further, both of these accounts have been closed for quite some time XXXX XXXX account was closed on XX/XX/XXXX and Midland Mortgage  was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. 
I contacted XXXX  to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with XXXX and Midland! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! 
There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: MD
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:
EQUIFAX AND XXXX  ALLOW THE COLLECTION ACCOUNT WITH XXXX  XXXX   TO LEAVE INFORMATION BLANK AND INCOMPLETE. EQUIFAX AND XXXX   MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! EQUIFAX AND XXXX  PURPOSELY ALLOWS XXXX XXXX  TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. XXXX, AND EQUIFAX ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX  A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Acceptance Solutions Group, INC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Threatened with lawyers, screamed at, repeated calls as late XXXX est. yelling and singing loudly in my ear by rep XXXX. Told I dont want to pay my bill. Hung up on when trying to discuss debt. Refusing supervisor or manager. Calls as much as sixteen times a day. Company is XXXX XXXX Illinois and XXXX XXXX. Calls from multiple Tennessee numbers, I have a Tennessee cell phone number. I have told multiple reps to only contact me via US mail only to be told that under my contract with the original lender, XXXX XXXX XXXX XXXX Illinois that US mail isnt an option. Please help me stop these people, they are making my life XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX ran a credit report without my permission, in fact, I specifically told them I was " shopping for best rates/terms '' and to " not run my credit '' - I said this by phone and also emailed. The reply acknowledged that my credit would not be run. 
It is now on my credit report with Experian ( not sure if with XXXX  and XXXX- but will be checking ). 
Experian Rep and website said I need to dispute this directly with XXXX. 
I called XXXX and they told me that I need to dispute it with Experian. 
So, I am getting the runaround. 
Additional info is that XXXX was negligent in reporting to Experian that I closed my credit card with them last XX/XX/XXXX. So, this card was still noted as " Open '' on my credit report. 
I was able to dispute this online with Experian, however, also addressed this in my call to XXXX XXXX XXXX XXXX this morning. They confirmed that my credit was closed last XX/XX/XXXX, however, could not confirm that they reported this change to the Credit Bureaus. 
I need help to get this credit inquiry removed from my credit report. As it stands it will be there another year and a half if not dealt with.

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 2018-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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 paid for social media marketing for a man on XXXX. I agreed to pay him {$68.00} for business owners that wanted social media marketing to find leads for these business owners. I used my Bank of American and XXXX card to this man that used XXXX to process the payments to him for providing these services. I was on a video call for all of the XXXX accounts that were created by me from his assistance. These business owners are located in XXXX, Ohio. When the services were completed the business owners were never contacted the the people coming to the facebook page of these businesses were people coming from all over the world. We found the merchant we paid was having his friends and others from XXXX and other countries coming to the facebook page of these businesses. The advertising was to create consumers from XXXX, Ohio. The merchant that I paid is under the name of XXXX with XXXX. I feel he is committing fraud with other consumers. My credit card company has informed me that XXXX and their bank has have showed screenshots of the facebook work that was completed by XXXX customer by the name of XXXX on XXXX that was payed by my credit cards.I am not going to be credited for these costs of {$550.00} with Bank of America besides the credit card with 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 2020-10-28
Company: Experian Information Solutions Inc.
State: CO
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:
I paid off my home mortgage on XX/XX/XXXX. On that same day my credit score dropped by 56 points thru Experian. I have tried to call Experian to discuss this issue with them. I am looking at purchasing another home, but my credit rating has dropped which is pushing me into a higher APR.

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 2020-07-08
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was the XXXX  XXXX  for my mother, who had become very ill. I took care of her for approximately 2 months. My bills have fallen behind and I reached out to my creditors, who have worked with me, offering payment deferments, waiving of late fees, interest fees, and not reporting negatively to all credit bureaus with the exception of Fortiva. I reached out again on today, XX/XX/2020 to Fortiva and advised them that I am continuing to experience a financial hardship and if they can please work with me. I advised Fortiva that my XXXX, XXXX XXXX, in XXXX, GA whom the card was used for, is closed until further notice and they are not sure when they will reopen and my XXXX   isn't seeing patients at any other locations, until further notice. I have had to go 4 months without having my XXXX  XXXX, understandably due to the pandemic yet. I inquired of Fortiva if my late fees could be waived and payments deferred under the Cares Act of 2020. The representative advised that they can not waive my late fees. They will extend my next due date to XX/XX/2020 but until I bring my account current, the late fees will remain and I will continue to get charged such fees, including interest. Once I am able to pay this card off, I will never use Fortiva again. Be aware other consumers, if you experience an unexpected financial hardship, this company has no sympathy. I am also a XXXX  and XXXX Veteran of the United States XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
When my mortgage was sold by XXXX XXXX XXXX  to Carrington.Mortgage XXXX XX/XX/2020, my credit score plunged 88 points, delaying my plans to plans to install solar panels on my roof. I called XXXX and Carrington. XXXX said it couldnt help and Carrington said it was normal for credit to drop that much and it would rebound in 60 days. Its XX/XX/XXXX and it hasnt come back by 88 points. I havent missed a payment, even during the Corona Virus. How can this be right? I didnt ask XXXX to sell my mortgage, yet my credit was ruined by these to companies. 
Please help. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am divorced and work two jobs. I am working very hard on my credit. The other credit companies are right on target. Equifax has some crazy way. I get something removed from my credit and they drop my points 20-30 points. It makes no since, and trying to resolve it is not working. This is a misuse of power, that is effecting my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bull City Financial has posted a number of inaccurate collection items on my credit reports. This collector has not made any effort to contact me nor have I received any correspondence from the collector regarding the stated debt owed. No information has been sent or provided by the medical provider either. I'm fairly confident this is breaching at least several financial standards and/or regulations designed to provide fairness and protection from such activities. Further, the debt was submitted to the State of Virginia and has been added to my tax liabilities for the last three years. Several thousand dollars has been deducted from my VA tax refunds and goes somewhere. Once again, I absolutely have no knowledge or information outside of the name of the provider - XXXX XXXX XXXX  XXXX XXXX or the debt collector mentioned here. Have disputed information added by Bull City Financial on a number of occasions with all three credit agencies, but the Credit Agencies keep reposting the collection items in favor of Bull City Financials. How is this a fair practice in relation to the consumer? I was never provided an opportunity to dispute nor request any information regarding any debts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CNG FINANCIAL CORPORATION
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:
Creditor sold account to multiple collection agencies and collection agencies may have sold account to other collection agencies. I've been getting harassed. I paid off the debt to a collection agency, but multiple collection agencies continue to contact me over the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received today this weird mail From XXXX XXXX XXXX about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding XXXX km More than tolerance level. The ticket is for XXXX 
This is ridiculous. I have done no such thing. This is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a paying member of the XXXX XXXX  app. In this app, there is a XXXX section where credit providers pay XXXX to advertise their credit cards. 
On XX/XX/2022 I logged into the XXXX app and was presented with a pre-approved Discover credit card option link. The link stated I was pre-approved for a Discover Card, and by clicking it I would be taken to an application page to accept the pre-approved offer. The link also said there would be no effect to my credit score by clicking the link. 
I clicked the link, and was told that they needed additional time to process my application even though there was a claim of being pre-approved. 
Upon exiting the Discover application, I was notified by the XXXX system that my credit report was obtained by Discover even though their link stated there would be no effect on my credit score. I was informed it was a hard credit pull that decreased my XXXX score by 10 points.

Approximately 10 days later, I received a denial notice from Discover by XXXX mail. So much for being pre-approved.

Company response to consumer: Closed with explanation