BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: Data and Contact Management Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My father passed way on XX/XX/19. Shortly after his passing we received an ambiguous letter in the mail from DCM Services , LLC to his " estate manager '' requesting information and stating that we had outstanding debts that needed to be collected. No amount was given in the letter and as I have been the one handling the medical bills from my dads XXXX treatment, I know that there is nothing that is past due. My dad was on Medicare and the insurance paid for nearly every part of his treatment, and the few thousand dollars that we did owe for various out of pocket costs have all been paid. To date we have received two of these ambiguous debt collection letters and one phone call from DCM Services , LLC has been made to my mother. My mother is XXXX years old, suffers from various mental issues, does not know how to use the internet to investigate these scams, and just lost her husband. A quick search online helped me to conclude that this company goes after people who have lost loved ones and tried to unjustly collect debts. DCM has been sued multiple times with class action lawsuits. It is sickening that this company would prey on older individuals who have just gone trough one of the most difficult times of their life. Today I, the daughter, contacted DCM Services , LLC   via phone and attempted to get them to take my mothers number off of their calling list. After speaking to two different gentlemen, I was thanked for calling and hung up on. So far I know that this issue is likely not considered harassment, but I worry that it will go in that direction and I am trying to put a stop to it now. I have been handling everything for my parents for the last year while my father was sick, and now that he has passed and I am continuing to handle their bills, finances, paperwork, etc. I know for a fact that we have nothing outstanding, my parents had the means to pay any bills that we received, so there is no reason that anything would have been left unpaid. We have a balance of {$250.00} on his hospital bill and that will be paid in May and that is all that is left to pay. And I imagine if they are doing this to us, people who have no actual debt to collect, they are absolutely harassing others that have unpaid bills much more. All I want out of this is for them to stop calling my mother. I don't care about getting paperwork in the mail, but I can not have these people harassing her needlessly in her fragile state. I have instructed her not to communicate with them if they call again and not to give them any information over the phone at all, but that doesn't mean that they will not continue to call her daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: IL
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 live in Illinois, which has a seven-year status limitation for reporting bad debt. I asked XXXX and Experian to remove the expired debt, and they refused. I also asked them to verify the debt was mine before it expired ; they didn't do that either. However, now the bad debt has expired, and it needs to be removed from my credit reports.

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 2022-04-22
Company: Bread Financial Holdings, 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:
Commenity bank is reporting that I have 3 accounts that were written off and sent to collections. On XX/XX/2020. I spoke with XXXX at XXXX ext XXXX and paid off XXXX, XXXX XXXX, and XXXX. 

Amounts paid - XXXX {$120.00} XXXX XXXX - {$60.00} XXXX- {$39.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX, XXXX and XXXX I worked for a company named XXXX where a company trying to collect a payday loan from me was relentlessly calling my job, harassing me for payment, to the point that co-workers were answering my phone stating I no longer worked for the company, but the calls did not cease and eventually I lost my job at this company, as this was a personal matter. The callers had distinct voices and were calling me from really long telephone numbers as though they were calling for XXXX. The stated a Sheriff was coming to my work place to arrest me. That I would go to jail and loose my job. Demanded I fill out a form allowing them to deduct money from my bank account to repay the debt, basically scare tactics. Finally I was feed up and called the XXXX XXXX State Attorney Generals office to inquire about my rights in this matter. I was informed to not pay them a dime and that if they did try to sue me in court the case would be dismissed. In XXXX I moved to XXXX XXXX, but at the time of this " supposed loan '' I lived at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, therefore the laws would apply to that time period. Furthermore, this is a stale debt as it is move then 10 years old. I'm a XX/XX/XXXX survivor and have XXXX  and XXXX and don't appreciate the tone of this letter that is very intimidating.

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 2018-09-17
Company: NAVY FEDERAL CREDIT UNION
State: SC
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've contact the company regarding the late payment that was incorrectly reported and the update was supposed to be taken care to remove late fee status to current, but hasn't been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have two mortgage loans on my property and Im paying interest on both loans. We asked for help about six years ago from XXXX XXXX XXXX and instead of helping us at the end of the reduction in mortgage payment the gave us two loans that we have to pay monthly and interest in both loans. Myself and husband were under the impression that when reduction period was over we would just have years tacked back in our original mortgage, this is not so and I feel like the company is double dipping and we are suffering because of it. This must be illegal. Im on time with original loan but have fallen three months behind on 2nd loan because we are struggling to pay bills, food until utilities etc. 

Please help. 
Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX RI. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BHFC Financial Services INC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/XXXX I spoke with the manager to inform them the car engine was down I called them to let them know where to get the car they called the lot spoke on an amount they called two weeks later the amount went up the loan company never called the mechanic back the manger informed me itll be a repo on my name at bhfc I agreed I was not making any payments any longer on a non working vehicle I have that in email its 5 months later they still have a loan open on my name its illegal I have not paid them I have called them numerous of times the manger told me today Im not putting a repo on your name so you can get a new car on XXXX bhfc financial is the loan company! No payments have been made they never did a repo .I have emails on XX/XX/2022 in writing as well I emailed them about this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX Balance {$940.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2023-06-07
Company: EQUIFAX, INC.
State: NY
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:
I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not opened a credit card in over a decade. XXXX keeps reporting false information to the credit bureau saying I have an account in collections. This is not my account and I need this removed 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 explanation
Consumer complaint received 2023-04-12
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime shut down my account without telling me I called them and they said they found some activity on my account but they would not describe what kind of activity so they shut my account down where I was getting my social security XXXX at they also sent me several emails last night and early this morning saying how abruptly sorry they are but still would not give me a reason of why they should my account down but won't give a reason why they terminated a relationship with me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On a previous complaint that I made against Select Portfolio Servicing , Inc . 
( SPS ), the company made a blatantly fraudulent statement to the CFPB in their Companys Response. This is regarding their statement We received a P & L on XX/XX/2022 ; however, the P & L was dated more than 90 days, which is not acceptable. 
This is blatantly and provably false by their own phone calls and letters. The quarterly P & L statements were for XXXX, XXXX and XXXX of 2022. They claim to have received them on XX/XX/2022, just 20 days after the end of XXXX, or the first quarter of 2022. How could they possibly be dated more than 90 days? They were acknowledged to have been received just 20 days after the end of the quarter. 
Unfortunately, this type of tactic is completely consistent with the practices of this company, as we have tried repeatedly to get a resolution to this COVID-19 forbearance amount over the last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: MS
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2600.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed these three collection accounts with the credit bureaus and I have just sent my 6th letter last XX/XX/XXXX. I would like to know how the credit bureaus actually do their investigation? I can't seem to get the accounts corrected or updated. The reporting still appears to be erroneous. The date of last activity for the XXXX XXXX account for example. The date cant be reported on different months since there is only one creditor which is XXXX XXXX XXXX It shows that the date of last activity in XXXX is XX/XX/XXXX, XXXX is XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. How is the date reporting inconsistently? The credit bureaus are unable to correct and validate this and I've been trying to resolve this and dispute this as well with the collector directly. The credit bureaus are still unable to verify and validate the reporting of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian, XXXX XXXX XXXX continue to report the account XXXX XXXX XXXX acct # XXXX inaccurately and without my written permission. I have asked several times for the three to STOP reporting this inaccurate information. 

None of the information the three are reporting is accurate are matches up. They must present accurate information and have consent from I the consumer with whom it relates. 

1692 ( a ) - Consumer has a right to privacy.

1681 ( a ) ( 4 ) - Consumers right to privacy 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. 

1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. 

1681a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company.

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 2022-10-20
Company: Open Dealer Exchange, LLC
State: FL
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:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: WA
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:
The Equifax data breach in XXXX XXXX affects a large portion of Americans and the self identification of whether you are affected or not appears to be bogus. Thus, it is unclear whether I personally am affected and what steps would be most prudent for me to take. However, the current uncertainty and lack of clarity from Equifax following this breach leads great credence to my belief that I should assume my information was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Netspend Corporation
State: DC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I don't get paid regular as when I first receiced the card from XXXX employer so I had been using it as a debit card by loading money on it to pay my bills. last month I put {$50.00} on it to pay some bills and was hit with a automatic {$17.00} charge, when I check the statement I saw 17 seperate XXXX  dollar charges at the same time. I call customer service and they told me that XXXX sent those charges. I called XXXX and they said they only sent it once. XXXX Netspand has refuse to return the charges. The next insident was on XX/XX/2020 I went to the XXXX gas station because I still had {$8.00} dollars on the card and tried to use it buy some gas and the pump cancelled the transaction, I had to pay the teller with cash. When I got home I received a text message from netspent XXXX that my card has XXXX ballance from the XXXX transaction, XXXX Netspend has refuse to return the funds to the card. 
Card # 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 explanation