BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: GA
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 my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies XXXX, Equifax, and XXXX have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. XXXX  and XXXX  even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also XXXX, XXXX and Equifax state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CITIBANK, N.A.
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had my credit card stolen on XX/XX/19 and someone used my card to purchase {$2000.00} worth of merchandise. Called it in same day, was given a temporary credit. A few weeks later I get a call from Citi asking me to send in my I.D . within 3 days, do that, a few weeks pass and I login to my account to find out my temporary credits have been reversed. I make a CFPB and XXXX complaint about it. Someone from the Citi executive office called me and informed me that Citi never received my I.D . even though I sent it in via their secure messaging system and received a conformation email that it sent. A quick XXXX search on my behave revealed that Citi 's secure messaging system doesn't actually work which I find to be insane that the third largest bank in the U.S. doesn't even care enough to do some upkeep on their online services. So I send it in again and I get a call again today from a Citi executive to let me know that the request for credit has been denied because the issue date on my I.D . was before the date my credit card was stolen. I'm sorry Citi but my I.D . wasn't stolen, just my credit card. So the executive told me that she will try again to get it approved and will call me back.

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 2018-01-12
Company: Accelerated Financial Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/XXXX around XXXX I contacted Accelerated Financial Solutions LLC about a debt placed on my credit report concerning XXXX. The original amount of the XXXX debt was for {$790.00} dating to XXXX of XXXX, Accelerated Financial Solutions LLC placed the debt as being from XX/XX/XXXX in the amount of {$1800.00}. I spoke to a representative from Accelerated Financial Solutions LLC who said his name was XXXX XXXX about the fact that he re aged the debt and also placed the wrong amount of my credit report. XXXX even read the original date and amount of debt off to me over the phone. XXXX stated he would absolutely NOT send me any validation of the debt or change anything unless I paid him something over the phone. He said the debt has been validated and paperwork was sent. I told him I have been calling and asking numerous times for validation on this debt and have received nothing, he said well it will not be sent and that I need to pay him now. By the end of the conversation he read off my home address and my email and said your request has been noted but do n't plan on receiving anything unless I set up a payment arrangement with him. I told them what he 's doing is illegal and he stated he knows what the law is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX/2017, AND XX/XX/XXXX/2017 ; I submitted an complaint regarding XXXX XXXX XXXX. This company has not been following any of the following laws, FCRA, OR FDCPA. I disputed this debt on XX/XX/XXXX/2015 with XXXX Dispute # XXXX and this debt was agreed to be removed and deleted from my credit file XX/XX/XXXX/2015, they only remove the debt from XXXX reporting bureau, but have disagree to remove and delete this debt from from XXXX, and XXXX Credit file. They just recently report my account on XX/XX/XXXX/2018 as open charge off. I have called to this company to provide me with the original contract from the original creditors, they have refused to do so without me obtaining an legal Attorney. This is a voilation of my right.

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 2019-07-24
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I called Discover Bank to reorder a new debit card. When I called, I was transferred to the fraud and security department. I spoke the representative there and she asked me about a check that deposited. I stated that I did make that deposit in error. I accidentally did a mobile deposit twice with the same check. They both were for the same amount. It was an honest mistake and I expressed that to the representative. She took care of the issue but my account was negative. I just started a new job and my first paycheck would cover the negative balance. She agreed. I asked if I could have a replacement debit card. She placed an order to have my new debit card delivered to me by Tuesday, XX/XX/XXXX. 

Today, Tuesday, XX/XX/XXXX, I got various emails from Discover Bank. One telling me that I was being unenrolled in e-statements and that I had to detach external accounts from the account. I called Discover Bank and was transferred to the fraud and security department. I verified my account and was then told that my account was closed due to fraudulent activity. I told the person, I just spoke to someone from the same department on Saturday and they didnt tell me this. I asked the agent, who I'm currently on the phone with, " When did the account close? '' They replied, " Today Tuesday, XX/XX/XXXX around XXXX XXXX '' When I asked very reasonable questions like, " What transaction triggered the account '' or " Is there a corporate phone number I can call? '' or " Why did Discover Bank close my account when they overnighted me a debit card? ", I was stonewalled with the response, " Because the account is closed, I am unable to discuss the account. '' I would like the CFPB to do everything in their power to get the truth from Discover Bank on why my account was being closed. Especially since they mailed me out a new debit card, which was delivered on the expected due date. I was such a good customer with Discover Bank, that they send me a gift of a brand new duffle bag when I told one of the agents that I was going on a trip. Discover Bank said that it was a " Business Decision '' to close my account. I don't believe that. And hopefully, after the CFPB 's inquiry, I'll have the real reason and not a computer-generated daisy chain lased explanation in generic terminology of why my account was closed. I am starting to believe that Discover Bank is hiding behind the disambiguation phrase " business decision '' for other intentions that might be happening to other consumers. Because if my account was closed for " Business Decision '' why did they overnight my a new debit card and then wait 72 hours to determine my account was subjected to being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed a account on my credit report which is a chase card that XXXX is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. XXXX will not update my credit file correctly. 

The account is a XXXX card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Address is XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: GA
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 my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies XXXXXXXX XXXX, and Experian  have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. XXXX and Experian even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also XXXX, Experian, and XXXX state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that 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 2018-11-16
Company: EQUIFAX, INC.
State: TX
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 pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contact XXXX   XXXX and Equifax in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to Equifax, XXXX and Equifax. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX On XX/XX/XXXX I mailed another letter to XXXX, XXXX  and Equifax requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX for which they did not properly investigate the account either. XXXX XXXX continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX XX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to Equifax as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have submitted a completed application for an Income Driven Repayment plan to Navient twice on XX/XX/19 and XX/XX/19. I have also submitted proof of income, submitted a complaint to XXXX  and emailed Navient Customer advocate. Most recently, XX/XX/19, I received an email from Navient stating my application for repayment could not be completed due to missing pages but they did not specify which pages were missing. I completed all pages of the application requiring completion, name, signature and social security number. I am confident Navient is intentionally delaying processing my REPAYE application because I have a standard payment due soon. In the past, they have neglected to assist me in attempting to repay my loan with lower payments which has forced me into deferment or forbearance. They consistently make up excuses about my completed IDR applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
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: Account information incorrect

Complaint:
The credit card issued to me by the XXXX had a remaining balance of XXXX in XXXX of XXXX. The credit union was reporting the balance due as XXXX. I paid the balance in full on XX/XX/XXXX. I called the credit union several times over the following few weeks regarding the account still showing to have a XXXX past due balance. I was told that I would have to dispute the charges on my credit report before anyone at the credit union would correct the info being reported. I disputed the info. The credit reports were changed to properly reflect a XXXX  balance. Fast forward a few weeks. The credit union has again reported that I have a XXXX past due balance in my credit card. I have attached two emails that I received showing that the account is paid in full. I'm trying to buy a house. This incorrect info is hindering my ability to get funded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I opened a complaint against Rent Recovery Solutions and stated " XXXX XXXX opened the account on XX/XX/XXXX ( 4 yrs, 11 mos ago ) following my acceptance onto XXXX  XXXX I was told I no longer was liable for the amount through their management agency. Please remove this immediately. '' The company ( Rent Recovery Solutions ) responded the next day ( XX/XX/XXXX ) and stated " We are holding this account for no reporting pending a re-investigation into the complainant 's claim that she was told that she would no longer have liability. Unless and until we can complete that re-investigation with the community, we will neither collect on nor report this account to any credit bureaus. '' As you can see from the attached image the company has continued to negatively report this on my credit report multiple times after they stated they would no-longer do so. 

Before moving from " XXXX XXXX '' I was taken into the emergency room twice by XXXX and I checked myself into the XXXX XXXX XXXX XXXX where I was kept over night and treated for XXXX XXXX, XXXX, and XXXX upon given medications for my XXXX XXXX. Being that I had no family in XXXX XXXX I had no other choice than to move back to my home town 3 hours south in XXXX, Texas so that I could get the support and help of my family and medical professionals. After moving back with my grandmother, countless doctors, XXXX, XXXX, and professionals I was determined XXXX dating back to XX/XX/XXXX. 

I have medical documentation that I showed, and gave to the ORIGINAL company " XXXX XXXX '' front office staff at the time I had to leave my lease for medical reasons. They confirmed and spoke with their manager at the time, who agreed that due to the circumstances I would not be liable for this then, now, or in the future. 

This needs to be removed from my credit immediately so I can move forward with my life. This should have been removed completely on XX/XX/XXXX when the company stated they would do so, however I 've been waiting for this to get removed for several years. If you need any further documentation, I 'd be happy to provide it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ),  hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received a letter dated XX/XX/2019, from Resurgent Capital Services, on behalf of LVNV Funding LLC, I want them to stop contact me using any communicating no matter what state they decide to/or doing business in and I dispute the {$850.00}, LVNV Funding LLC last attempt was in XX/XX/2019 at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, I provided his office with a dispute letter and a list of items for verification of the debt {$850.00} and it has been past 30 days and his office has not provided me with anything. after several weeks went by I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, and ask about the debt verification letter I sent and his office has informed me they are no longer representing LVNV Funding LLC in this matter. I called Resurgent Capital Services and asked was they same people sending me a letter from XXXX XXXX XXXX XXXX Mi XXXX and Resurgent Capital Services office said that was not them. I said that XXXX search and online court documents pointing you are the same people from XXXX SC Resurgent Capital Services office told me that they can not speak to me because A cease and desist on my account and I need to give them permission to remove it and I said no I will not remove the cease and desist I also contacted the State of Michigan, XXXX XXXX and Regulatory Affairs who informed me that Resurgent Capital Services are do business in Michigan as a collection agency and used XXXX SC as a contact the same address is on my letter. LVNV Funding LLC, have tried ever harassment technique to communicate with me through different collection agencies each of them was unable to verify the debt this has been going on for about 1-2 years I will no longer entertain Resurgent Capital Services and LVNV Funding LLC and the collection agency it hires. The address on the XX/XX/2019 letter has XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX SC XXXX and Resurgent Capital Services customer service representative said they was not the same people I would like to file a complaint with the The Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Southern Auto Finance Co
State: TX
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 a loan with SAFCO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SAFCO with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: VA
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 attempted to place a fraud alert with Equifax and receive a credit report from them. I attempted to do this online on XXXX XX/XX/2019, then on the phone on the same day, then again online on XXXX XX/XX/2019. 
In each case Equifax has refused to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Convergent Resources, Inc.
State: IN
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 been contacted, and the company Convergent Outsourcing Inc. working for XXXX XXXX XXXX XXXX XXXX who somehow acquired the account from XXXX has sent me 2 letters in the past month on XX/XX/XXXX and on XX/XX/XXXX about a debt that I do not owe. I also have received several phone calls in months past about the debt. I submitted a police report to the company last week XX/XX/XXXX proving to them that the fraudulent bill was a matter of identity theft. I continue to be harassed by companies that the original debtor has employed to try to continue to collect on this debt. I filed a police report on XX/XX/XXXX and reported the same information to all 3 credit bureaus in 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 explanation