BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have continually disputed two accounts on my credit report which still show currently. I have disputed them and asked that they be removed from my report. To date neither of them have been removed and disputed only to update with more erroneous information.

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 2019-08-21
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ad Astra sent me a collection letter for a loan that was previously paid to the orginial creditor. I have tried several times to dispute debt with my credit bureau with out any response from Ad Astra. I also sent them a letter asking for validation. No correspondence received. So finally I sent a payment to Ad Astra through my banks bill pay, and the next day also sent them a letter saying that they should have received payment for exact amount. Also that I was requesting validation of the debt. Did not receive. I also sent Ad Astra a copy of bank statement showing payment to the orginial creditor. I have attached all documents that I have in regards to this matter. And I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: PNC Bank N.A.
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have copied below previous complaints submitted. XXXX XXXX from PNC Bank requested that I provide a note from my mother 's doctor stating she was incapable of handling her affairs. I have complied with PNC Bank 's request and provided a note from my mother 's doctor, XXXX XXXX. I also provided several pages of medical records and notes from XXXX ( XXXX ) and XXXX XXXX XXXX ( the 24/7 home care ) indicating my mother was incompetent and unable to communicate. Obviously, my mother could not drive, therefore, the only person who could have taken my mother to the bank ( the day after I left North Carolina ) was my brother, XXXX XXXX. 
This was on XX/XX/XXXX. My mother 's account was set up as payable upon death ( POD ) in my name, XXXX XXXX XXXX, XXXX. Therefore, my brother took her to the bank on XX/XX/XXXX, the day after I returned to Nevada, per the cancelled check and had PNC close the account. My mother could not communicate, therefore, my brother would have been the only one to 'talk ' to a bank representative as she was unable to speak, write, read, etc. He had no authorization. How he could convince PNC to close my mom 's account is beyond comprehension. There are elder abuse laws regarding financial exploitation and PNC should have been suspicious being that my mom could not communicate to them. They should have called authorities immediately. That did not happen. PNC issued a Cashier 's Check in excess of {$17000.00} and there is no record of where that money went. We do know it didn't go into any of my mother 's accounts. As I was the beneficiary on this account it should have been paid to me upon my mother 's death on XX/XX/XXXX. PNC Bank needs to reimburse me for their error and they can go after my brother for his wrong doing if they choose. All the back-up information has been previously sent in the following complaints : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I complied with PNC Bank 's demands and have lived up to my responsibility in this matter. It is time they do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I mailed a payment to Midland mortgage XXXX XXXX,  when it didn't clear my account I called and explained I mailed it.  I learned from post office about fraud and mail Theft. Midland assured me if I could provide proof I would not be reported to the bureau.  I sent proof Midland mortgage is now ignoring me and when I call I'm being placed on hold and not helped.  XXXX XXXX falls on a Saturday yet Midland mortgage will not allow payments until XXXX XXXX and I don't want to be reported late because of this

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 2019-03-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
As of XX/XX/19 my repayment of {$350.00} had lapsed due to my Mother 's burial/business out of town. Check Smart ( XXXX ) XXXX continues to harass my employer even though I asked them to discontinue, we have already spoken when they contact/ harass me on my personal phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: California Business Bureau, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please provide a copy of my signature with the provider of service to release my medical information to you per HIPPA 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 2017-08-03
Company: TENET HEALTHCARE CORPORATION
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Syndicated Office Systems is attempting to collect a medical debt ( {$440.00} -   XXXX   2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Syndicated Office Systems fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all   XXXX   credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As of today XX/XX/XXXX I've noticed that two accounts under the name XXXX XXXX XXXX XXXX has been reinserted back onto my ( Transunion ) credit profile without 5 business notice as required under federal law section 1681 of the fcra.

There are currently two accounts being reported simultaneously. 

1 ) account ; debt collector ; XXXX XXXX XXXX XXXX, report original creditor. XXXX XXXX XXXX XXXX with an outstanding balance of {$1900.00} inaccurate, unverifiable reporting a violation of FCRA rules section 1681.

2 ) account that collector, XXXX XXXX XXXX XXXX. Reports, original creditor as XXXX XXXX. With an outstanding balance of {$3500.00}. This information is inaccurate, misleading, inconsistent. A violation of fcra rules section 1681. 

Notice in attachment ; XXXX XXXX XXXX XXXX   knowingly changed the name of original creditor from XXXX XXXX XXXX XXXX to XXXX XXXX and altered the outstanding balance I'm out from {$3500.00} to {$3500.00} to make it seem like a new account. This is a clear violation of federal laws. 

Both account has been added and deleted to my credit 3 times since XXXX of 2020. Records will show.

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 2020-05-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to receive automated messages from HRRG collection company to call them. I mailed a letter regarding the debt they are attempting to collect with proof the account was paid other than a {$50.00} portion that was unwarranted and per the hospital that recorded the debt would be waived. I haven't received anything in writing in about 6 months. Every day at least once I get a call from HRRG with an automated message to call them. The numbers show up under peoples names and various other business unrelated to them ( XXXX was the most recent ) so clearly they are hiding their identitiy. When I mailed the letter, I asked them for confirmation in writing and of course received nothing other than the non stop calls. I have tried blocking the calls now but they keep coming up with other local numbers. I just want them to go away.

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 2021-01-21
Company: Sterling Credit Corp.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Sterling credit contacted me yesterday stating i owe a debt that i have no knowledge about it at all and they told me if i didn't pay my kids will be taken from me and my house and the man call me a XXXX and say pay your bills right now .they said i owed {$6000.00} and i don't owe that .Who is this company that i don't know at all .I explain to them i dont know them or what this debt is and he still assist i did and told me they will call all day and night til they get there money its Covid and this a shame .They are calling from XXXX.Please have them leave me alone .They call everyday and all day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I received an alert from XXXX   regarding a change in my credit report. After accessing my report, my score dropped 17 points due to collection that was placed on my report on XX/XX/XXXX from Afni Collections. I never received any notice regarding this debt, nor did I receive a phone call. After calling and speaking to a representative, they had complete disregard that they failed to validate this debt before placing it on my credit report where my score dropped. I am now in the process of buying a home an my realtor is not willing to move forward because I now have a negative remark on my report that sets me back another 30-45 days until this dispute has been handle and removed. This is completely illegal to place a debt that has been discharged in my chapter XXXX BK as of XX/XX/XXXX. When I tried to explain this to the representative, again I was ignored. No regarding for the fact that this debt was no longer valid and hindering me from moving forward in purchasing a home. I have disputed this debt with XXXX  and Afni, providing Afni with all the details of my bankruptcy. I would also like to mention that when the rep tried to verify my information, NONE of it was correct, and I did NOT provide any updated info. Collections companies are required to verify a debt prior to reporting to a credit bureau. This is a tactic that many of them use to get you to call them so that they can collect a debt. Please note that the debt is listed for exactly 1 day on my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
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:
On my Equifax report i have inquiries that i did not authorize or have knowledge of XXXX XXXX on XXXXX17, XXXX XXXX XXXX on XXXX17, XXXX XXXX on XXXX17, XXXX XXXX on XXXXX17, XXXX XXXX/XXXX on XXXXX17, and XXXX XXXX on XXXXX17. XXXX XXXX on XXXXX17, XXXX XXXX on XXXXX17 and XXXX/XXXX on XXXXX17

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2017, XXXX/ XXXX switched to another loan company XXXX ( XXXX XXXX XXXX , XXXX ). It has been a mess since the switch. I have called them multiple times to please send me monthly statements either via email or via the mail. I have called them multiple times almost monthly and I can not get this resolved. When the bill is not paid because I do not know when to pay the bill, they report me as late and my credit is adversely affected. This practice is unfair. At a minimum, I am entitled to a bill via email or text at a minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card account was shut down with a rewards balance of {$760.00}. The points are now gone from the account and I have no access to them from the website.

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 2020-12-02
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a medical debt ( amount of $ 330+ ) that was transferred to this collection company, TCS . An individual by the name of XXXX XXXX. They called me on XX/XX/XXXX to attempt to collect the debt. I informed them at that time that this debt will be included in a bankruptcy. I provided them with my lawyer 's information as I have retained a lawyer, but still in the process of filing bankruptcy. XXXX then called me again today, XX/XX/XXXX, trying to collect the debt saying that he called my lawyer, who told them that I haven't filed yet. XXXX tells me that in order for it to be included he needs case numbers and a bunch of other information. I told him that I don't know when it will be filed, but he said that he'll call me again in 2 weeks. Regardless of if I filed it or not, I have retained my lawyer, and all communication should go through them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX, I got my van stolen. 
By then, I was 7 days late on my loan. 
I made a police report.I called Automotive credit Coorporation and let them know what had happened and I needed a forbearance since the van had my carpet cleaning equipment and was my source of making a living by using it to do my XXXX  and XXXX and XXXX XXXX  jobs. without it, I don't make money. im going through a hardship! 
Besides that, with this covid-19 pandemic, there's not a lot of jobs available I told them to wait until my insurance pays off the vehicle to them. 
With the money that I had, I had to pay my rent and bills. ACC resisted to help me, and sent me to collections. They won't work with me, plus they are reporting it to all credit bureaus, my credit score is going lower! 
On Friday the XXXX, I borrowed {$300.00} and gave them a payment. Im 64 days late and I still have a balance of XXXX with late payment fees. 
Im still not working. I even had to get rental assistance from XXXX XXXX XXXX XXXX. 
Thank you

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 2019-08-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the student loan account with Equifax for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications. DEPTEDXXXX XXXX; DEPTEDXXXX XXXX DEPTEDXXXX XXXX; DEPTEDXXXX XXXX; DEPTEDXXXX XXXX;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the student loan account with Experian for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications.DEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX XXXXDEPTEDXXXX 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 2019-08-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax  where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE delete XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX , XXXX XXXX, US DEPT OF EDUCATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: RMB, 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: Account status incorrect

Complaint:
RMB Inc have still not removed the collection from my credit file, which was placed which I was filing for state assistance.  I have contacted XXXX XXXX, they did not tell them to place this account on collection to credit reports! They asked them to hold the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection for utility services I did not authorize. I have no knowledge to what led to this but the debt is not mines. I did not open this account under my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a letter from wells fargo stating that they apoligize for any negative information that has impacted my credit report this has been going on for 7 to 8 years and the send me a letter saying sorry when i am part of the class action lawsuit where they are ordered to financially compensate everyone that is apart of it .I am in XXXX late in life and i cant get the financial help i am eligible for because of this i cant get a loan i cant even qualify for a credit card. i always assumed it was for a few hospital bills never checking to see well my eyes are open now and i am not willing to let anyone else destroy me. i only want tobe treated fairly and not like i am going to accept them ruining my credit and send me a sorry letter and thats enough no it is not enough it just not iam starting with you to try and resolve this matter in a timely order its already gone on way to long i deserve to move on from this yes slowly but surly my report is clearing and my score is riseing but do you think its right that iam paying for their mistakes it was not even a mistake them employees knew what they where doing i am being denied eligible assistance for education because some one somewhere wanted a bonus please assist me in putting a end to this as soon as possible i need to continue my education thank you for your time

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 2018-03-30
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I RECEIVED A LETTER IN THE MAIL STATING THAT I OWED DIVERSIFIED CONSULTANT {$630.00} AROUND MONDAY, XX/XX/XXXX I DO NOT BELIEVE I OWED ANY DEBT TO DIVERSIFIED CONSULTANT, SO UPON RECEIVING THE LETTER I SENT A DEBT VALIDATION LETTER ON XX/XX/XXXX ( VIA CERTIFIED MAIL ) AND THEY RECEIVED MY LETTER ON MONDAY, XX/XX/XXXX ON WEDNESDAY XX/XX/XXXX THEY SENT ME THE SAME DOCUMENTS ( WITH NO WRITTEN  SIGNATURES OR E-SIGNATURES SIGNED BY MYSELF ) OF AN OLD BILL STATING THEY HAD THE RIGHT TO COLLECT.

Company response to consumer: Closed with non-monetary relief