BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Ability Recovery Services over the last three months and they have already listed a " Collection '' with my credit agencies hurting my credit score.

I have-on every occasion- asked them to provide me proof that this debt is mine... they refuse to do it. 
I wrote a letter to them sent it certified return receipt wherein I requested information on the original creditor : name, address, account number. If the debt started with another creditor their name address and account number and the date the debt was transferred. 
I asked for a copy of the original contract between me and the original creditor to prove it's a valid debt ... .the date this debt became delinquent and an itemized payment history, I asked if any fees have been added I asked if they they had a debt collector license in Georgia and if so provide the name on the license and the license number plus the name of the state agency that granted the license. 
I told them that I dispute the debt. 
They received the letter on XXXX and acknowledged such but told me they did not have to provide me with anything! 
They refuse to show the collections reported to the bureaus as being in dispute.

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 2023-07-25
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, how are you going to send me a medical bill if my son has XXXX and has XXXX what bill are you going to charge me, XXXX covers everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: URS Holding, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX XXXX, 2017. I called XXXX XXXX and was forwarded to the third party collection XXXX XXXX. Once forwarded to XXXX XXXX, the representative stated the introduction. And I verified the debt information ( last four of the social ). The rep stated the balance on the account. I stated to the rep that, that the balance that she stated to me is the amount that I was told previously. Instead of offering the dispute the representative, wanted for me to take the settlement instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In the end of XX/XX/XXXX, I believe the XX/XX/XXXX, I received a letter from TD Bank that I had over drafted my account. I didn't have an account with TD Bank so I immediately suspected fraud. I called them ( spoke to XXXX XXXX in XXXX, SC ), but she wanted my SSN to tell me anything. I never heard of them so I didn't give it suspecting phishing. She told me there was a branch in XXXX, FL if I wanted to go in person, so I went the next day, XX/XX/XXXX. While I was there I spoke with XXXX XXXX, XXXX, XXXX. She told me that the account would be closed, and that I might receive another letter of two while they closed it. The balance due was {$390.00}. On XX/XX/XXXX I sent TD Bank a package that included information that I gathered with the help of IdentityTheft.gov disputing this account and charges. I sent it by USPS Certified mail, and I requested a receipt be returned showing that they received it. I received my receipt about a week later for the article. Unfortunately I can't read the signature. So far I have received no less than 6 more letters of intent to collect from TD Bank, I can't find the last one right now, but it was about two weeks ago and it showed a XXXX balance, so I thought this was over. On XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX, ( XXXX ) informing me of their intention to collect XXXX on behalf of TD Bank. I called and disputed the charge immediatly. They told me that they would be turning the disputed charges back over to TD Bank. I filed a police report with the XXXX County Sheriff 's Office Fraud Prevention Bureau XXXX on XX/XX/XXXX. 
This account was opened online, the person who opened it provided personal information about me, but provided no proof of who they were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: MIDFIRST BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I deposited cash into my checking account once I noticed my rent had cleared. It was before XXXX AZ time and I was told previously by MidFirst bank representatives that I had to make any cash deposits before their XXXX Central time cut off. I made sure the account was positive when I left the bank after depositing cash. 

Two days later they returned my check and can not explain why? Now I have late rent and fees totaling over {$100.00}. They have offered no help and blame me for the entire situation. I deposited cash the first chance I got the day it went negative.

They refuse to reimburse my apartment fees that they caused by simply not honoring my check when the funds where available in cash the same day before XXXX when the account first went negative. They gave me zero opportunity to deposit cash and allow my check to clear.

This is illegal as I had no idea or notice of such procedures and they have disclosed zero information on check processing to me. No emails or phone calls and management is a joke.

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 monetary relief
Consumer complaint received 2021-09-13
Company: Financial Assistance 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:
Financial assistance Inc is reporting. debt on my CR after I disputed the validity of the debt as I do not believe it belongs to me. I never received anything in the mail outlining the debt, whom it may belong to or actually anything at all! The debt says I owe {$10000.00} and was opened on XX/XX/XXXX which is impossible as I did not apply for anything in XXXX. I have disputed the debt with 3 CRA and the dispute remark reflects its resolved as reported by grantor. How can this be? 

also, the same company is reporting a second debt dated opened XX/XX/XXXX for {$1300.00}. Same exact scenario. Disputed and same remark as above. I have no idea what this is for and never received validity nor verification of the debt. 

Also, the debts are reported as paid and then put back on as balance increased about 4 days later so it reflects as a new account on my report making my credit score drop. 

Also I am guessing that XXXX XXXX XXXX is whom the debt is from? But they are reporting account closed XX/XX/XXXX from a credit card with balance {$4600.00} and charged off as bad debt the account was opened XX/XX/XXXX but if it were closed XX/XX/XXXX they just updated the account on CR as of XX/XX/XXXX. 

I have also disputed with XXXX XXXX as I have no knowledge of this debt and never had a response in the mail from them. I have disputed and on my CR it stated that its resolved. I still disagree

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
they refuse to provide an accounting. And I cant log in to my 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 2023-07-25
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 information incorrect

Complaint:
The charges of {$1600.00} on account XXXX & or XXXX are fraudulent & were not authorized by me. All the information on this account was changed including number & address that I have no association with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: AL
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:
Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines.

Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

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 2023-02-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/2021 United States Bankruptcy Court reported they " do not report information to credit bureaus and are not responsible for verifying information form consumers credit files. '' On XX/XX/2021 XXXX XXXX informed me " after an investigation of the data in question, they were unable to verify the accuracy of the bankruptcy cause, subsequently removing the record from my XXXX XXXX report. On XX/XX/2021 I received a copy of my unofficial XXXX XXXX report which showed my bankruptcy also deleted from there unofficial reports. However XXXX is report my bankruptcy was verified through a third party vendor, XXXX XXXX, when that have proven to be untrue. This information is inaccurate and needs to be deleted. It is illegal to report inaccurate information. Please resolve this before I proceed to hiring representative to properly handle this situations in the court system.

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 2023-07-25
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: Experian Information Solutions 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:
In XX/XX/2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/2017, I sent  goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the CFPB directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.

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 2023-04-25
Company: Upgrade, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, A payment of {$3500.00} was posted to my Upgrade Account the amount paid is showing on the following statements : XXXX, XXXX, and XXXX. My account shows a {$250.00}, which should be a XXXX balance. A representative told me the {$250.00} is from an interest fee which I need help understanding the interest fee and I feel Upgrade is being deceptive with debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is currently reporting in XX/XX/XXXX and XX/XX/XXXX that i am paying late on a closed paid account since XX/XX/XXXX, they are reporting lates to XXXX and XXXX currently which just caused a problem with my current job due to it showing deliquients in XX/XX/XXXX and XX/XX/XXXX, i am no longer liable for account and requesting account be deleted corrected asap there should be no new reportings on this account at all, i have received any communications from Nelnet at all, especially adding new entries of late pays in XX/XX/XXXX and XX/XX/XXXX ... i have attached my XXXX report showing Nelnet inaccurate reportings ... .Please remove asap this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: RoundPoint Mortgage Servicing LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Loan estimate or other related disclosures

Complaint:
RoundPoint Mortgage grossly misrepresented the terms of a mortgage refinance by providing an interest rate not based on my creditworthiness. The inaccurate representation of my eligibility by RPM resulted in direct financial harm to me. Their offer, based on speculation, was provided with the intent of influencing my selection of a mortgage servicer. Such information did influence my decision to select another mortgage servicer, who completed the transaction at higher immediate and long-term costs than I would have otherwise endured if RPM had completed the transaction based on accurate information. 

After closing my initial refinance application without my consent and without notifying me, eliminating their previous 3.00 % offer, XXXX XXXX of RPM stated on XX/XX/XXXX that, because " the market has been incredibly volatile the last month or so, '' my " going rate for [ my ] same profile would be 4.125 %. '' At the time of this second offer from RPM I had not provided additional borrower information since my initial application, which yielded the 3.00 % rate, so XXXX XXXX 's offer was based on borrower information I had provided during the first ( and later cancelled ) refinance application through RPM. 

XXXX month prior to this second, higher offer from RPM, mortgage interest rates ( XXXX fixed ) were 2.875 %. An inquiry with another servicer on XX/XX/XXXX yielded a rate of 2.875 %, consistent with the national average at that time. Exactly XXXX month later, on XX/XX/XXXX, the national average was approximately 2.875 %, representing little net change. During that month, the national average XXXX fixed refinance rate peaked at 3.06 %. 

On the same day ( XX/XX/XXXX ) that RPM offered to lock in a rate of 4.125 %, a separate servicer locked in an offer of 3.25 % using the same borrower information RPM received for their processes. 

A review of my credit history in late Spring of XXXX did not show an inquiry by RPM for the second offer of 4.125 %. 

As my current servicer at the time, RPM 's refinance offer included significantly lower closing costs than the servicer which offered an accurate rate. The switch to a new servicer also delayed the closing of the refinance, prolonging payment under the loan 's original and much higher interest rate. Therefore, the misrepresentation of my eligibility caused immediate and long-term financial harm.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-05
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Theres a medical bill and many closed off bank accounts that I didnt even open and reached out to the bank there saying its added on my credit line and Ill have too dispute it or pay on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation