BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently just paid a medical collection last month, however XXXX  is refusing to remove it when the law and their blog clearly states once paid they are to remove it. Moreover, they were the only credit reporting agency that refused to remove it when I disputed and sent in documentation that showed Medicaid was responsible for the bill like the other two big credit agencies. Nevertheless, since they continued to let the collection company report monthly and hurt my credit score I just paid it because Im trying to purchase a home.

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 2018-03-19
Company: BARCLAYS BANK DELAWARE
State: NY
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 tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and 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 2023-03-06
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, I had a gym membership with XXXX XXXX. Their payment processor is XXXX XXXX XXXX. I had this membership since XXXX. On my contract, it states that the membership expires on XXXX, but I have been paying literally for 3 years since. Over XXXX XXXX I stopped paying because I sent a letter of cancellation which they refused delivery of and it was returned to me. The contract states that it is void 36 months after its inception which would be XXXX. They sold my debt to First Credit Services in XXXX. This would not be valid because my contract is void and I already cancelled it by certified letter Therefore, I do not owe them a thing. In addition, First Credit Services has never attempted to contact me. I just found out about the debt this week when the gym emailed me when they emailed me and stated that if i paid, they would remove this from my credit. That is not how this works. I believe they breached my contract and are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Fedloan Help
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
A Fedloan official called to remind me of a payment on XX/XX/XXXX, and I made a payment right away. The rep assured me that my account would be current if I made the payment on XX/XX/XXXX. Then, the rep asked about forbearance, and I informed him that I needed the take to my husband ( we just moved to new york, and we both started new jobs ). However, the rep put my account into forbearance without my permission. I made two payments ( one on the XX/XX/XXXX and the other on XX/XX/XXXX ), but it was still negatively reported. Please allow my credit report to reflect that I am current with my payment.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-26
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with Citi 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 2021-03-07
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, Franklin Collection Services based out of XXXX, XXXX added a collections account for {$1200.00} to my credit reports causing my score to decrease. This collections account was RIGHTLY removed previously from my credit reports by another collections agency whom could not verify/validate this debt is in fact my debt. This account is believed to belong to another family member whom is deceased and is in fact NOT MY DEBT which previously resulted in a removal/deletion. The collections agency has in turn sold this account to Franklin collection services without written notification of the debt and without verification that this debt is mine. I HAVE NOT RECEIVED ANY WRITTEN NOTICES OR PHYSICALLY SPOKEN WITH ANYONE FROM FRANKLIN COLLECTION SERVICES. 
Under the Fair Credit Act, if the debt is not verified or validated to be yours, it CAN NOT be erroneously put on your credit report and such section is AGAINST THE LAW for credit agencies to report debt that isnt validated or inaccurate. 
Under the Fair Credit Act, a debt collector has to send you a written statement outlining the specifics of your debt that is in collection. Within five days of contacting you, a debt collector must send you a written notice of the amount of money your owe, and the name of the original creditor. The notice must also explain the consumers rights of what actions to take if you believe the debt is not yours. 
NONE OF THESE ACTIONS HAVE TAKEN PLACE WHATSOEVER. 
I ask for IMMEDIATE permanent removal of this account that was PREVIOUSLY REMOVED and had been placed back on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a documented 2 closed accounts with XXXX XXXX that states on all three credit reports that i have viewed, that my acct. with XXXX XXXX credit card was closed and a charge off. Therefore XXXX XXXX has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of XXXX XXXX and received a call from XXXX at XXXX XXXX  Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I was in a position of being evicted. I searched online but never really wanted to do one of these loans. I received an email from XXXX  and I was so desperate and they were very persuasive and I ended up borrowing $ 900.in XX/XX/XXXX. I thought I would be able to pay it off within a few weeks. I thought it was a monthly payment. It is {$280.00} every two weeks. I lost my job in XX/XX/XXXX and if I paid it off it will be {$1000.00}. I have already paid {$1100.00}. I see now that the interest rate is $ 740.21 %. I have notified them that I no longer would authorize ACH withdrawls, I have not heard any response from them. I know that if they attempt to withdraw funds onXX/XX/XXXX, I will get charged for an NSF charge. I was involved in an accident on XX/XX/XXXX suffering a concussion. I am now having to look at going back on XXXX XXXX.

I can not fathom it being legal to charge the percentage rate they are charging. I don't know if there's anything that can be done. This should be illegal. I at least needed to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
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 is missing that should be on the report

Complaint:
I have had this XXXX  XXXX card and its not being reported on my credit. i have attached the bill

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 2018-05-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A credit report showing I owed them XXXX. I have no knowledge of this account and had it removed from my report 2 times. This is the 5th time since it has been reported. I have no knowledge or responsibility for this account. The service date is XX/XX/2011. I have the account number upon request the company name is commonwealth financial sytems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted AD ASTRA RECOVERY on XX/XX/2018 in regards to a collection on my credit report that does not belong to me. I have been a victim of identity theft and I'm requesting for this collection to be removed from my account as it was not me. The company stated I need to file a FTC dispute and then fax them over the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a documented 2 closed accounts with XXXX XXXX that states on all three credit reports that i have viewed, that my acct. with XXXX XXXX credit card was closed and a charge off. Therefore XXXX XXXX has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of XXXX XXXX and received a call from XXXX at XXXX XXXX  Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from 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 2020-11-06
Company: U.S. BANCORP
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used the bill payer service for a US Bank Reliacard on XX/XX/2020 to make a payment to a credit card. I got an error on two separate attempts to pay {$250.00}. Several hours later, one payment went through and the money was out of my account. It never made its way to my credit card. I contacted US Bank about 5 or 6 days later and they said the money wasn't in their system any longer. They told me to contact the credit card provider XXXX XXXX  XXXX XXXX XXXX. I've done that, but it could take 60 days to resolve. Plus I just doubt the issue is on their end.

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 2021-09-14
Company: Chime Financial Inc
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 an item using XXXX XXXX ( a XXXX company who partners with XXXX ). It is a buy now pay later service. 

I was charged {$42.00} on my Chime credit builder card towards this purchase and the merchant then cancelled and did not fulfill the order. 

XXXX, XXXX XXXX and XXXX refused to refund me. The mechant refused to cancel or refund. 

Chime refused to initiate a dispute. 

Chime was provided with the merchant cancellation and all relevant details but continued to give me robotic non-replies, refusing to initiate a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I challenge the accuracy, compliance and reportability of multiple listings. 
According to the XXXX XXXX Compliance In the Matter of : the Investigation by XXXX XXXX XXXX, Attorney General of the State of New York, of Experian Information Solutions , Inc. ; XXXX  XXXX XXXX, XXXX ; and XXXX XXXXXXXX. 
Experian is reporting information that the other two bureaus have currently corrected or suppressed.

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 2018-03-19
Company: EQUIFAX, INC.
State: MI
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 disputed Inaccurate reporting of XXXX/XXXX XXXX XXXX multiple times with XXXX, Equifax and XXXX with no help. These are not my account. 

XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12
Company: EQUIFAX, INC.
State: NC
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 a victim of identity theft I have worked extremely hard with Equifax a year now about my credit I have sent verification of documents, Police Report from the XXXX police department, even hired an attorney who has been communicate with this company. I also have documents from the company that are fraudulent on my credit for inquiry to open accounts. it has been more than a year almost the inquiry are still on my credit. those company has informed all three of the credit bureau. Equifax has changed my credit score down I have not apply for any account yet my score is down when I last check it was in the XXXX or higher. I called to ask what was going on a young man by the name of XXXX I sure I am not spelling his name correctly but that is the way I had received it when I asked him to spell his name. Because I informed him that I was recording our conversation for documents purposes I was told to resend the same documents again to fax # XXXX witch is the Dispute Dept. and send it again to the Fraud Department # XXXX these are the company that sent me letter of open fraud applications. now I have 17teen inquiry they have not removed. The young man told me they still are showing my maiden name but the Equifax credit show XXXX XXXX. He said it still shows XXXX XXXX I have the change on my Equifax that's why I know they received my information. I don't understand why they are not updating my credit. XXXX, XXXX, to applications, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX two times one was tired for 2days in the same month. another in XX/XX/XXXX. I informed XXXX XXXX XXXX about the situation that is was fraudulent they said they had already reported to all three credit. XXXX 's had showed the application as fraud and sent it to all three credit bureaus, I still have other things that I am disputing My lawyer has taken over that. I hope this issue can be resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
requested lower interest rate on my account. was not aware my account had been revoked. have for the past 8 yrs have made payments on due dates i am XXXXyrs old and asked for a lower rate to pay off my debt while i am mentally able

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a documented 2 closed accounts with XXXX XXXX that states on all three credit reports that i have viewed, that my acct. with XXXX XXXX credit card was closed and a charge off. Therefore XXXX XXXX has sold the debt that i supposedly owe as of XX/XX/XXXX with starting XXXXredit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of XXXX XXXX and received a call from XXXX at XXXX XXXX  Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 WENT THROUGH MY CREDIT PROFILE AND I NOTICED AN ACCOUNT THAT DOES NOT BELONG TO ME, I HAVE NEVER HEARD OF THIS COMPANY. I HAVE NO IDEA HOW THEY WERE ABLE TO OPEN UP THESE FRAUDULENT ACCOUNTS IN MY NAME. MY IDENTITY HAS BEEN COMPROMISED, AND THIS IS A VIOLATION OF MY RIGHTS. ITS BEING REPORTED ON MY CREDIT AS IF IT BELNGS TO ME. I DONT KNOW HOW THIS COMPANY DOES THEIR LOANS, BUT THEY ARE IN VIOLATION BY LETTING SOMEONE USE MY INFO.THERE ARE ALSO A LOT OF UNAUTHORIZED INQUIRIES.DELETE THIS FRAUDULENT ACCNT IMMEDIATELY There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2018-03-19
Company: AMERICAN EXPRESS COMPANY
State: NY
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 tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Back in XX/XX/XXXX-XXXX 2015 I had a major loss and sick ness and I fell into a financial hardships ... I fell behind on both of my capital one credit cards ... I wrote them to advise them of this and asked that they remove the late payments as a goodwill ... being that I have been on time ever since ... they did n't take in consideration of the entire process and flat out denied my request ... .I have 2 credit cards with them and they sent me the same denial for both.

Company response to consumer: Closed with explanation