BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: HCFS Healthcare Financial Services of TeamHealth
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 status incorrect

Complaint:
Account was previously reported to CFPB and ARS responded stating that the account in question was opened on XX/XX/2020. However, ARS is reporting this account as opened on XX/XX/2020 on XXXX and XXXX. They are reporting the account as opened and closed on my report. Also there are other inaccuracies and erroneous reporting that I have mentioned in my last dispute to the credit bureaus. Copies have been mailed and faxed to ARS. This reporting violates my rights and need to be removed from my credit report immediately as stated by the FCRA.

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 2019-02-14
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding a XXXX XXXX account on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding a XXXX XXXX account on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off 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 explanation
Consumer complaint received 2018-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I opened a Credit Card account in XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX  in late XXXX and in XXXX I received a letter saying that I was being sued for this debt but in XXXXI, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with Capitol one and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The Law firm of XXXX XXXX XXXX XXXX XXXXXXXX XXXX is violating my rights. Statute of Limitations in XXXX  is 3 yrs and XXXX is 10 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Asset Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This group called XXXX XXXX XXXX often calls me on my office line and asks about debt repayment based on my name " XXXX XXXX ''. They ask for personal information and I tell them I ca n't give them that. Then they ask me " Do you live on so-and-so street '' or " Does your SSN end with **** '' and it 's not even close to anything remotely resembling me. I mention it, and they say they will remove my name from the list, and then again in a few weeks I get the same call - clearly they do n't remove the name. I 've even told them they are harrassing me. We do n't have any outstanding debt ( mortgage etc ) that we 're not already paying off monthly - our credit rating is top-notch, so right off the bat this sounds like a phishing website. They ask me to call back XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Waypoint Resource Group, LLC
State: WA
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 filed a dispute with XXXX  concerning a collections account placed on my credit file. The account was submitted to XXXX  by Waypoint Resource Group with the original creditor being XXXX. WRG reported the account with the incorrect ( First Date of Delinquency Date ), which they reported was XX/XX/XXXX. The correct date should be XX/XX/XXXX. XXXX also reported that the account is schedule to be removed from my credit file on XX/XX/XXXX, which is incorrect. The correct date the account should be removed in XX/XX/XXXX. I submitted a credit dispute to XXXX giving them documentation that shows the last payment on this account was XX/XX/XXXX. Based on the Fair Credit Reporting Act ( FCRA ), the XX/XX/XXXX is completely accurate when determining the ( First Date of Delinquency Date ) and subsequently sets up the date that the account is to be removed from my credit file. When XXXX completed their review, they did not update date my credit file to establish that the First Date of Delinquency Date should be XX/XX/XXXX and the date the account should be removed from my credit file should be XX/XX/XXXX. XXXX only updated my credit file telling me that I needed to contact the collections company WRG. When WRG first reported this collections account on my credit file, I submitted to them a debt validation request, and they never responded. WRG only contacted me via phone at work and harassed me telling me I had no authority to question the debt as it was validated by XXXX. I informed WRG that I did not want to have another harassing phone call and that they should only contact me via US Postal Mail. Based on the documentation I provided, this collections account will have aged on my credit file for 9-years, two years more than authorized by federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX about a debt on my credit report. I didn't think the debt was accurate or even mine but I needed the collection removed from my credit report. During the conversation I was told if I just paid it they would delete it from my credit report in 45 days. I was told this multiple times. I decided to pay the debt for this reason. I have since called XXXX XXXX multiple times and now I am told that they will not remove the paid collection from my credit report. I feel like I have been lied to so many times by this company to have me pay a debt. The last time I spoke with this company was XX/XX/XXXX. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I XXXX XXXX have tried to settle a vehicle repossession matter with Ally Financial for weeks now. There simply is no reasonable process in doing this, as my calls are never returned. I made a big mistake co-signing for a XX/XX/XXXX XXXX XXXX in XX/XX/XXXX for my daughter. She was not responsible and eventually the vehicle was repossessed. Had I been given notice personally about the loan default, I would have brought the vehicle loan current. I believe the only way to remedy this matter is by filing a complaint with the Consumer Financial Protection Bureau. I respectfully requested a detailed outline as to how many times the repossessed vehicle was placed in auction, and I would appreciate a copy of the resale certificate that proves a shortfall of {$8800.00}. I am also in a financial position to make a one-time payment of {$2500.00} with Ally Financial to settle this matter permanently. I would appreciate a response to my request for documentation as well as the financial offer in compromise through the Consumer Financial Protection Bureau. I am doing my best to resolve a matter for my irresponsible daughter who has fallen on hard financial situations.

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 2021-03-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
The PayPal holds my account into limitation on XXXX that my account is suspicious I think this not right I follow all there steps I submitted all necessary documents to PayPal but my account took so long to restore.My PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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: Information is missing that should be on the report

Complaint:
From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with XXXX XXXX XXXX not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, XXXX  XXXX XXXX has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.

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 2018-03-28
Company: Professional Recovery Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter on XX/XX/XXXX stating that I owe {$2600.00} to the GA Dept of Revenue. Called Professional Recovery Consultants, they asked for the last 4 of my SS # and my DOB. This debt was paid in XX/XX/XXXX and doesnt show on my credit report. Why would the GA Dept of Revenue use a company not accredited with 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 2018-06-14
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX I sent a certified letter to Equifax requesting they correct several inaccuracies on my report. Including unauthorized inquiries. On XX/XX/XXXX I spoke with a representative who assured me they have been corrected. They are not corrected. 
In the letter I requested any documents bearing my signature be forwarded to me to show I authorized these inquiries. None have been forwarded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Late Date XX/XX/22

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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX, I have been trying to clean up my report of duplicate student loan reporting. XXXX continues to report unverifiable student loans ; fraudulent accounts, and RE-aged debt by debt collectors. The student loans that were or should have been in FORBEARANCE during school attendance from XXXX to XXXX. As of XX/XX/XXXX all of the loans have been paid in full yet, they still show derogatory unverified student loans and their statuses on my credit file. Loans that have been paid in full are reflected negatively. 
The total loan debt of {$65.00}, XXXX because of their inaccurate reporting have doubled to {$120000.00} that they report negatively even though documentation from the National Student Loan Database reports to the contrary. They have a complete absolute mess!!!!!

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 2019-10-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed bankruptcy in XX/XX/2016 and my loans were discharged due to a hardship. Department of Education/ Navient is refusing to update my account to the correct status and still says that I owe. I sent them a copy of My bankruptcy forms stating that it was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good afternoon, I have an AAdvantage credit card, a MasterCard, with Citi Cards. 
I was recently given an increase to {$11000.00} as my credit limit. My previous limit was {$7500.00}. An increase of my credit limit by {$3500.00}. 
On my last statement, I was charged a {$40.00} late fee. I have contacted the customer service line at Citi ( XXXX XXXX XXXX XXXX ) to contest this fee. Citi will not take the charge off despite being a good customer and having been given an increase in my credit limit. 
In XXXX, I made the XXXX payment - my minimum obligation to Citi - of {$220.00}. My check was dated XXXX and was received by Citi and credited to my account on XX/XX/XXXX. ( I live in XXXX and mail delivery is fast here. ) I made another payment to Citi on XX/XX/XXXX at the Citi banking machine ; it was received the same day, XX/XX/XXXX for {$220.00}. This extra XXXX payment was intended for XXXX - made early - because of my concerns about Covid 19 pandemic and getting my XXXX payment in. 
I was told that the second payment in XXXX was credited back to XXXX ; they could not credit that payment of {$220.00} for XXXX. 
I am still employed and working. That said, I made a payment on XX/XX/XXXX for {$220.00}. I mailed the payment on XX/XX/XXXX. Citi claims they received the payment on XX/XX/XXXX and sent an email thanking me for that payment. They also charged me the {$40.00} late fee. 
I think that {$40.00} is a lot for a late fee given that I had made a XXXX payment for XXXX. Also, even if Citi can't credit a XXXX payment to XXXX ( especially in these times ) then my XX/XX/XXXX payment should be credited on time. 
I do not understand why my payments to Citi have always been credited quickly and now it's taken Citi almost 15 days to credit my payment to my account. 
I explained to the Citi customer representative that I have been making payments ( 3 payments to Citi in XXXX and XXXX ) but that because Citi is working with a smaller crew, my payment was credited late. 
I sent my payment in ample time but believe that in-house delays at Citi ( smaller staff, working from home, etc. ) has caused the delay. This is not my fault that they credited the payment late. 
I would like my account to be credited the {$40.00} late fee because the delay was not my fault. 
Thank you. 
XXXX XXXX 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 monetary relief
Consumer complaint received 2019-02-14
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive continual phone calls from this company, and I have no existing debts. If I continue to receive phone calls from any number, of which I report, I will subsequently seek legal council, and pursue punitive recourse against further harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls each week at all hours with message left. This has been going on for multiple years. Occasionally then send letter claiming outstanding ticket for 2006 for {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: I.C. System, Inc.
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 sent dispute letters to the bureaus to verify the information, they came back verified without proof.

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 2018-03-24
Company: Amsher Collection Services, Inc.
State: NC
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:
On XX/XX/XXXX Consumer faxed to the debt collector a letter requesting it to validate any alleged debt that it is reporting to an XXXX   consumer report. It has not responded.

I am in receipt of a current report dated XX/XX/XXXX in which XXXX XXXX is still reporting. I have not been contacted by this debt collector regarding this erroneous account prior to this debt collector reporting it to my consumer report.

Is XXXX XXXX in violation of the FCRA? Since the reporting of this negative and invalidated item, I have been denied credit access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
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: Information belongs to someone else

Complaint:
I recently attended a credit counseling seminar and they told us to monitor our credit I checked my credit report just to see exactly what was on it. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ', XXXX, XXXX XXXX, XXXX XXXX XXXX. 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 2019-02-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted XXXX/XXXX, for a replacement credit card. Instead of issuing a replacement card, they ran a credit check without my permission and issued a new card thus reducing my credit score and ability to get credit at a lower rate. 

I have contacted all three credit agencies as well as XXXX/XXXX   and all involved gave me the run around several times, saying that they could do nothing and only the other company could fix it, while none of them did anything!

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