BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 4 years I have been dealing with collection accounts from XXXX in my credit report. XXXX XXXX XXXX Fail to investigate the accuracy and say there verified and continue to reinsert unverifiable data. 

Amounts are {$1500.00} {$710.00} {$1700.00} {$1100.00} {$1700.00} {$790.00} {$1400.00} {$1100.00} Disputed on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Accounts were removed numerous times and re inserted to credit profile.

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 2019-06-11
Company: Navient Solutions, LLC.
State: KY
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:
My student loan originally started with XXXX. They transferred my loan to Navient I was contacted by Navient They stated that I was behind on my loan. After having my XXXX  audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, Navient my XXXX and myself. XXXX forwarded the missing funds to Navient ( see the attached letter ) dated XX/XX/2019. Navient has reported to all three Credit bureaus XXXX, XXXX and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with Navient at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX each time Navients response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have recently just checked my credit report and see that the bureaus are reporting some inaccurate information about some late payments. I reached out to XXXX, TransUnion and XXXX and disputed the late payments on my credit report. I simply ask that the CRA 's remove the late payments because I have never been late paying my bill. The account and late payment date are as follows : Account : XXXX XXXX XXXX  Account # XXXX Dates Claimed Missed Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2019-11-10
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from Certified Credit & Collection to pay XXXX $ I I replied with a question to informed me about the cause of this debt because Ive never received any bills to pay in the past.The agency send me letter that, this is for emergency room in XXXX hospital, NJ on XX/XX/XXXX That day I was at emergency room with broken elbow, which had a sense to me .The third part was responsible to pay for my medical expenses This case was closed in XX/XX/XXXX.I called XXXX NJ hospital billing department to check it.The account number which the agency send me doesnt exist .By my name the billing office was able to find my account to tell me that my balance is XXXX . I called many places related with XXXX hospital and didnt find any debt.My next step was to call the collection agency I asked about the reason for their action The clerk gave me very confusing answers which didnt have any sense She told me XXXX didnt pay-not true I contact them It wasnt pleasnant conversation because I couldnt receive any answers, which had sense.I asked of direct number to the billing office so I can call and confirm that debt.She told me, she didnt have it So I asked her, how she expects me to pay money which I dont know what is this for.The answer was " Miss, it just XXXX $ Really? Finally she hang up on me..I have a feeling that, this is fraud.Our conversation was probably recorded.Dont know, what to do.Please help me with this The billing office said they didnt know the collection company.XXXX  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an Auto Loan with XXXX XXXX, I have paid this charge each month diligently. 
My credit report shows that I am 30 days or more past due on my payments for XXXX XXXX XXXX XXXX and and XX/XX/XXXX. 
However I paid each of these months within 30 days of the due date. In XXXX my payment posted on XX/XX/XXXX. In XXXX on XX/XX/XXXX. In XXXX on XX/XX/XXXX. 

I have attempted to reach out to the company to find out why my payments are being reported as late, and the only advice I was provided was to file a dispute with the credit bureaus. I filed a dispute with all 3 bureaus and the dispute results came back that the information is upheld and no changes will be made, however the supporting documentation provided shows the same payment dates as I have provided above. 

These payments were not late and this information reported is false. I am requesting a further investigation into this matter, 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 2020-03-10
Company: Waypoint Resource Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-03
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Vehicle was totaled XX/XX/22 payoff was sent but during the process they added late fees while they held the check for 3 weeks. American Credit Acceptance then agreed to waive XXXX fee but have not even though they have several notes confirming that they will waive. Now it has been 3 months and it is still showing open and balance owed on all 3 credit reports. Just spoke to XXXX ( a member of management ) and was advised that the fee shows waived in one system but not another and he would have to contact the credit dept to escalate meanwhile this will be the 4th month that they have reported this loan as open and late to all 3 credit company 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A person knocked on my door and without identifying and without asking that the person who opened is a XXXX years old girl and by rude and aggressive manner intimidate to sign the summon notice. my daughter is scary know because she saw the notice of XXXX situation in this moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Here we go again! 
After numerous letters to creditors and credit bureaus both info furnishers ( creditors and info colletors ( credit bureaus ) still denying me my rights under FCRA 611 ( 15 U.S.C. 1681I ). 
Several times l called Creditors, l was told numerous times that name I'm giving does not match their record, therefore, they can not talk to me about the listed accounts below. 
Wrote letters it was returned undeliverables ( please see attached ) Wrote several letters of dispute to XXXX  Credit Bureau and Experian to no avail l was told several times that creditors provided certify copies that the following accounts belong to me. XXXX  and Experian refused to provide me the proofs of said certification or methods of disputes under FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Some of these accounts are business account that has no RELATIONS to me, and some of these accounts are under XXXX XXXX XXXX this not my name My right name is XXXX XXXX Wishes XXXX resolves this matter asap for me the environs of business favoritism embolden XXXX  and Experian to care less about little MAN like me. 

Notion that an enterprise like ( XXXX and Experian ) can just reports whatever without consequences is insane. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: FinCo Services Inc DBA Current
State: WV
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 noticed on XX/XX/XXXX that the money I received from XXXX XXXX was being pulled back off my account by XXXX. I stopped after I received my deposit, but I noticed the next day that there were multiple charges after my withdrawal that adds up to XXXX. I contacted current bank and was told to contact XXXX which I did. I was told that they didn't see the transactions that I was referring to. Then I contacted current back, and was told I would need to file a dispute, but was not able to file the dispute until the transactions was cleared. I waited until the next day XX/XX/XXXX and filed the dispute. Then I waited 7 days for them to tell me that there " investigation " concluded that they found no wrong. I didn't even get a explanation as to why nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently had a debt that I was paying off which was referred to TSI ( Transworld Systems IncXXXX ) for further collections actions, when the debt was received and I acknowledge the debt and let them know that the balance they were collecting on was incorrect and I would like to get a correct statement of the balance owed because the amount is incorrect since the payment is being made and the account is not being credited or updated with the current payment amount. 
The TSI representative was short and impatient was not helpful in researching what was being provided, at the beginning of the call the representative provided the mini Miranda and during the discussion of the debt I also referred back to the mini Miranda " this is an attempt to collect on a debt and any information obtained will be used for that purpose '' the amount you are collecting on is incorrect and since your balance and my balance is not matching and I am requesting validation of the debt amount and all the payments received on the account. 
The representative stated that they have no way of getting the information but they can get a validation of debt, I requested the validation of debt information to be mailed to me and to date nothing was mailed or received. 
I received a statement from the creditor which I sent to TSI for verification of payment received and posted correctly to the account.

Based on the fair debt collections practices TSI failed to carry out the proper verification of the debt which may result in an overpayment since the debt was paid off and no confirmed updates were sent communicated to the credit by TSI.

Please investigate TSI practices and communication methods to include aggressive collection practices and incorrect balances when verifying the debt that is owed. 
Please investigate this complaint promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: NC
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 was trying to buy a home and decided to review my Credit report and realized I have lots of damages on my credit report.

According to 15 USC 1681 Law there should not be any damages on my report as this is a defamation of my character.

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 2019-06-12
Company: Experian Information Solutions Inc.
State: CA
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 issue is an existing problem which Experian and XXXX weren't able to resolve..They provided an itemized printout of what they claim is my billing statement..An itemized printout does not represent verification.. CFPB please fix the account and remove the bankruptcy reported on the accounts XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: DISCOVER BANK
State: CA
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:
After XXXX XXXX from the military ( 20+years severed ) and another 16 years working as an XXXX  in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a Diamond Consultant. A fee for each step Titanium, Platinum and then Diamond, highest was required for best possible position for earning big commissions. The opening of the DISCOVER credit card-XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for Diamond membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. Quality Traffic as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) Close to an overall of {$110000.00} out and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
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: Information belongs to someone else

Complaint:
I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Experian Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calls from : Owner Info for XXXX Landline Near XXXX, Ohio Issued by XXXX XXXX XXXX - Oh could be collection company called Diversified Consultants. Diversified Consultants, Inc. is one of the nation 's leading Telecom-specific collection agency specializing in the recovery of Wireless, Landline, Cable, Satellite and Security debts. 
Looking for a person named XXXX XXXX. I think I have had the same phone number for over 10 years and for 10 years at least 10 companies have been calling an asking about the same person. You would think that by now someone would suspect that XXXX XXXX is never going to answer. 
But what is worse they initiate voice mails with no messages. And call at least once every day. Surely some new laws and rules should be put in affect that can limit the amount of years to hunt someone down by phone numbers ... I 'm sure the money spent trying to collect this debit is 10 x what the ordinal debit could have been. 
Do n't removed the name named XXXX XXXX - she needs to know the far reaching consequences of her lame XXXX actions.

Company response to consumer: Closed with non-monetary relief