BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have contacted XXXX XXXX XXXXXXXX XXXX  by mail asking for Validation. The last was on XX/XX/2018. They have not validated the debt. XXXX sends a letter with my name and amount. I looked into this company further and found they are not bonded in the state of Texas to collect.

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 2022-08-08
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted the company via phone with a follow up email to their published email address, Three emails, no response to any. Recent bill shows another unauthorized purchase. I paid the first suspect bill last month because I wanted to ensure the account remained current while the bank looked into my complaint. I will not, however, pay this unauthorized purchase. I have blocked the account so there should be no further activity, but do I need to close the account because of such bad customer service?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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:
XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX. XXXX, XXXX wont give me break down or signatures regarding these collections

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 2018-06-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As per my FCRA rights, I have been requesting EQUIFAX to add my SSN to my credit file, Raised Disputes Confirmation # s XXXX with them and spoke to customer care rep named XXXX and was being informed just to send Copy of SSN amd Driving License, I faxed the copies multiple times and also Mailed the copies of my SSN and Driving License to them by USPS multiple times. Due to my SSN on being on EQUIFAX credit file for my profile I am not able to get new Phone line from XXXX or any type of Loans where they only use EQUIFAX data. - PLEASE HELP I have below 2 complaints : 1> EQUIFAX is not able to add my SSN in their system even after sending them Multiple copies of my SSN Card and Driving License by Fax and by USPS Mail. XXXX and XXXX credit card companies are directly reprotign my SSN, DOB and Current address to them and still they are not able to add my SSN to their system.

IMP NOTE : SSN is issued one time and it remains same for the person but they keep sayign my SSN is invalid and that is totally wrong. I need proof if they are saying on my SSN I can not have my credit history then why XXXX and XXXX already has it ... Everyone present in USA on Work Permit has similar type of SSN and everyone else is able to see their credit scores and apply for Loans etc ...

2> EQUIFAX is not able to provide me the dispute resolution response their website keeps showing below message.. 

" We are currently unable to process your request! 
The information you have provided does not match our records ; therefore we are unable to process your request online. 

Please try again later or contact us directly to check the status of your dispute. 

We apologize for the inconvenience. '' XXXX and XXXX already has SSN, Date Of Birth and Address on my credit file and they are able to provide my credit report but EQUIFAX is NEITHER giving me my credit report by adding my SSN to file NOR providing any repsosne to my raised disputes as per my FCRA Rights. 

EQUIFAX is falsely claiming that they can not add my SSN on file because it has " VALID FOR WORK ONLY WITH DHS AUTHORIZATION '', All the work visa immigrants in USA have this sentence written on their SSN card and everyone else ( even my husband ) has it written on his SSN and he has credit file with EQUIFAX working normally then why just me and my credit file not being updated with my SSN..? and like I said earlier Credit Card companies are also reporting to EQUIFAX ... 

Here I have attached copy of my SSN, Driving LIcense and Work Authorization along with XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: AR
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My parents died and so did my brother and I was left to pick up all the pieces on my own. I was unware I had to go through probate because of the way the attorney created the trust for my parents. I went through several different attempts to obtain a loan and it did not work. I did not know why no one would explain until finally a title representative told me its because of the working on the trust. I am the last trustee on that trust and am now going through probate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Kohls Bill Disputes : I DO NOT owe the balance of {$750.00} as of XX/XX/XXXX2020 or any other updated balance that Kohls currently alleges I owe for Account Number : XXXX due to the following : Kohl 's has NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed on the 2020 previous complaint I submitted to CFPB. 

Kohl 's has only provided a card agreement which is NOT a signed contract. 


Kohls received a CFPB XXXX XXXX # XXXX was received and replied to by Kohls that they were working on it. Kohls received my written bill dispute through certified mail - USPS. Tracking # XXXX ( confirms that it was delivered XX/XX/XXXX. @ XXXX with return receipt. I also called and spoke with several representatives on XX/XX/XXXX2020 to check on the status of the bill dispute surrounding the account in question. 

Despite the fact that Kohls is well aware of the written bill dispute that they have received, Kohls has continued to attempt collection on the account. When I called and spoke to XXXX and XXXX, they attempted to collect upon the account and stated that there was only a credit dispute amount noted on the account for XXXX/XXXX/20. The account with the disputed balance which Kohls alleges ownership to me, has not been placed into a bill dispute status. XXXX placed a request to place the account into forbearance status for XX/XX/XXXX2020 and XXXX 2020. He also stated he put in a request to credit another erroneously charged late fee of {$38.00}. I asked the representatives to note the confirmation # s and info of the written bill disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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:
These accounts I have input in this report are not my accounts. Please remove them immediately. Thanks.

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 2018-06-26
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18, a certified letter was sent to Trident Management regarding a debt owed in the amount of {$720.00} on my credit report. I specifically asked for authorization and validation bearing my signature regarding this said debt as I'm not aware of this claim. I was instead sent a bill demanding payment. I have been disputing this debt for a year now to no avail. Upon further investigation, XXXX reviews, and XXXX reviews, this company has been labeled as reporting fraudulent activity on consumer reports. I demand that they sent me validation of said claim or contact all 3 major credit bureaus to have this item deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Fair Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a lease with the car company Fair. At two points, I made payments outside the regular automatic billing cycle due to financial hardship caused by Covid 19. Regardless, I have completely settled the debt and have been up to date on payments since XXXX. Unfortunately, their billing system is " being revamped '' and does not reflect all the payments I've made. I am getting harassing collection calls every day, multiple times a day. I have explained and provided proof of all my payments several times, spoken by email and by phone with several agents, and yet they still call saying I am delinquent on payments and threaten to repossess the vehicle. Furthermore, I've had several agents tell me " this happens all day, I'm sorry '' so I know I'm not the only customer experiencing this problem. Their social media is also lit up with comments fr clients that they have been waiting for their overpayment refunds for weeks and weeks with no answers. Fair is ripping people off and this should be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted Equifax numerous of times stating that I would like for them to remove a fraud alert. Every time i call i have to go through the same thing which is being transferred from person to person even being transferred to supervisor and here it is XX/XX/XXXX and they have yet to remove it. They have gave me several different confirmation numbers stating that they removed it but it is still on there because Ive been denied credit twice because of their fraud alert that was supposed to be removed three months ago, which has caused me to get unnecessary hard inquiries on my report. And then it comes to inquiries i have sent the numerous letters stating that i was a victim of fraud and that they needed to remove all those fraudulent inquiries that is showing up on my report. I sent those same documents to XXXX  and XXXX and they had no problem fixing my issues. Ive sent all the proper documentation that they need but every time i speak to someone they insist on me sending them the documentation over and over, which is causing me to spend unnecessary money because i send all my letters certified. Also they are reporting inaccurate information on my credit including accounts that they can not verify which is a violation of the FCRA. The following Accounts is XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  and another unknown account. I DO NOT WANT THEM TO REINVESTIGATE THESE ACCOUNTS BECAUSE I HAVE ALREADY DISPUTED THESE ACCOUNTS AND THEY KEEP SAYING THEY ARE VERIFIED BUT HAVE NOT SHOWN ME ANY DOCUMENTATION THAT THEY HAVE TO PROVE THESE ACCOUNTS ARE MINE. THEIR CREDIT REPORT IS SO DIFFERENT FROM MY OTHER TWO BECAUSE THEY ARE REPORTING SO MUCH INACCURATE INFORMATION. I demand this be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
All loans have been on hold because of income driven repayment. Due to COVID, 0 % on interest. Had my credit checked ( XXXX ) and my report stated that I was delinquent because of student loans. I already talked to XXXX  XXXX ( XXXX ) and I'm not delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: DISCOVER BANK
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Discover Bank - Monthly statement not provided I opened a savings account with Discover Bank recently with the understanding that they will provide me monthly statement ( which is clearly stated on their website as pic attached ). However, after I opened my account, I only had access to a statement every other month. After contacting Discover, they claimed that I will not have a bank statement if there is no ACH deposits, which didn't spell out on their website at all. At the meantime, they refused to provide any kind of official document that could show my account status for the months they skipped within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Good day. Its been a very tough time for me and my family. I am a victim of identity theft and have reached out to transunion with an FTC report to get these inquiries off before that are not mine off my report. All those inquiries on my report are not mine. I have submitted an FTC report attach with proof of my identity to get these inquiries remove immediately. These inquiries are stopping me from getting things together for me and my family. Please help me help my family.

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 2020-08-20
Company: EQUIFAX, INC.
State: OH
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 filed a dispute with the credit reporting agencies on XX/XX/2020 in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has been over 30 days, I filed a 30 day demand to comply with the credit bureaus on XX/XX/2020 and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have contacted Transunion as well as each individual company in regards to inquiries that I did not authorize. I have also completed a fraud affidavit that Transunion advised me to complete an all the inquires are still reporting. 
Transunion Credit file number XXXX FTC Report Number XXXX Inquires : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX   XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12.XXXX  XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filed a dispute with the credit reporting agencies on XX/XX/2020 in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has been over 30 days, I filed a 30 day demand to comply with the credit bureaus on XX/XX/2020 and still have yet to receive any response.

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 2020-08-22
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX, 2020, we wrote by regular mail to Citibank to close a money market account held in trust for our son. We wrote at that address given to us by a Citi representative. The account was inactive and held a balance of approximately {$150.00}. Citi ignored the letter and proceeded to debit the account each month for a {$30.00} servicing fee. We tried calling but were put into call cues where we waited for 40 minutes before our call was dropped. When we finally got through, we were told to write another letter. We wrote a second letter on XX/XX/XXXX by Certified Mail to the former account relations XXXX who had handled our other accounts, asking for his assistance to close the account and avoid further debits. We got no response. Citi is now demanding we cover a negative account balance - {$22.00} caused exclusively by their debiting their {$30.00} per month servicing fee over an inactive account that had a nominal balance, on an account which we twice instructed them in writing to close months ago. 

We want the account closed, the balance restored to the XX/XX/XXXX balance, and that balance remitted to us.

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 2021-05-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX provided me with a letter stating that they found that my account was fraudulent and that I owed them no money. They then have this account listed on my credit report as a collection. I wrote Comenity bank and sent them a copy of the letter that they sent me, and this still shows as negative on my credit report. This company is in violation of the FCRA and FTC by reporting fraudulent information to the credit bureaus. Comentity reported that I owe {$1200.00} to all 3 credit bureaus after the letter was written and sent to me about the fraud that occurred in my name on this faulty XXXX XXXX department store account. This account as state din the letter was supposed to be deleted and removed from my credit report. This has affected my credit tremendously by my score dropping because this is the only account I have in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.

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 2019-03-05
Company: CONTRACT RESOLVE GROUP LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have an outstanding debt with XXXX XXXX and I am working to resolve the debt and have explained this to Mr XXXX. 

I have received multiple calls at my place of business from XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX TX XXXX, Phone XXXX, Ext XXXX. I have explained to Mr. XXXX that he is calling me at my work and we are not allowed personal phone calls. Yesterday XX/XX/19 Mr. XXXX called and yelled at me. He keeps tell me he will come to my place of business and have me served with lawsuit papers. 

Mr. XXXX has called me 5 times and every time I have told him this is my work number and have asked him not to call me at this number. Mr XXXX has my email, cell number and my home number but continues to call my work number He called me on the following dates and times XX/XX/19 @ XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX

Company response to consumer: Closed with explanation