BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-13
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never owed this amount to the original business. 

On XX/XX/XXXX, I was sent to XXXX XXXX XXXX to have XXXX  done of two sections of my XXXX. My policy clearly states that my responsiblity for XXXX charges are {$50.00} per visit. Since the XXXX occurred during one visit to XXXX XXXX, I should have been billed {$50.00}. 

XXXX XXXXXXXX never issued an invoice to XXXX, my health insurance plan, and XXXX never sent me an EoB. I gave it time to work itself out, but it never did, and ended up in collections. I spoke to a XXXX   rep on XX/XX/XXXX, who was going to escalate the matter and have someone from XXXX follow up. I never received a follow up. On XX/XX/XXXX, I spoke to another rep at XXXX, and she confirmed my responsibility of {$50.00} for the XXXX. During my call, she placed me on hold and spoke to reps at Grant Mercantile, XXXX XXXX, and the XXXX XXXX XXXX. XXXX  XXXX agreed to re-bill XXXX for the procedure, and that my responsibility is {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: SYNCHRONY FINANCIAL
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:
CFPB case # XXXX was submitted last month for an inaccuracy reported by Synchrony Bank/ Lowes and the creditor Synchrony Bank/ Lowes agreed in writing to update and remove the inaccurate late payment reported to XXXX XXXX and XXXX ; Initially the late payment  was removed - However after the case was closed the late payment showed back on XXXX   several days later - Synchrony Bank replied to myself and the Consumer Financial Protection Bureau this inaccuracy would be removed - I also spoke with 2 managers at Synchrony Bank that acknowledged no payment was ever 30 days late and I have a 36+ month payment history with no late payments ever- Please help me update this inaccuracy as it is erroneous and is adversely affecting the ability for my daughters and I to purchase a home soon!

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 2019-04-13
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. 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 non-monetary relief
Consumer complaint received 2019-07-25
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I found employment on XXXX with a company name XXXX XXXX XXXX XXXX. As a XXXX XXXX. I was advised that I would be doing training and exams for a whole month XXXX. During that time I received reading material and tests via email. 
On XX/XX/XXXX, I was assigned a purchase order, were XXXX deposit money on two of my credit cards XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, a total of US {$7000.00}. One of my credit cards was paid US {$4600.00} and the other credit card US {$2300.00}. 
After receiving the payment and saw that it was showing on my account I decided to verify with my bank, JP Chase Morgan, that everything was good with my payment. I called my bank on XX/XX/XXXX around XXXX XXXX and one of their representatives told me the money and the transaction was in good statement that I can proceed. 
After verifying with my bank and they said to proceed with the purchase I went and fulfilled the purchase order and send it where I was ordered to. 
Three days later ,XX/XX/XXXX, I noticed that the money was removed from my credit cards account leaving me with the debt of the purchase order amount {$6400.00} plus {$400.00} that I was supposed to get paid for the time. 
After seeing this I was very concerned and called my bank because the ONLY REASON why I did the purchase order was because my bank told me that everything was ok with the transaction, I trusted them since I was with Chase Bank since XXXX. 
I got scammed because I trust my bank and now they, Chase, want to make me responsible for an amount of money that I didnt used and instead of they try to help me they decided to close all my credit cards including my business account as well, when I have always been a good customer of than and never had a late payment or any type of issues. 
I made a police report, the case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: AZ
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 initially filed a dispute of my mortgage account because it was reported as opened when it was already closed and paid in full. This information was subsequently updated, but after the update an " H '' code was added indicating that the loan had foreclosure initiated. This was a home mortgage with XXXX XXXX, XXXX. I tried contacting XXXX XXXX to correct this issue as I was lead to believe by Equifax that XXXX XXXX had reported this information to them. I filed a complaint against XXXX XXXX and they responded in writing that they never reported to Equifax that my loan had foreclosure initiated. They provided control numbers and written documentation of what they reported to Equifax. I then reached out to Equifax to try to resolve this issue as it now appeared that this was a data entry error on their end. They then advised they would not correct this issue unless I sent a letter and all of my documentation even though they confirmed they had the information in their system. I tried to print a copy of the dispute results from their site and had difficulty and had to call again to try to get access to that letter as they had never mailed a copy, they only offered electronic delivery which was not working. I tried to escalate the issue to a supervisor explaining everything that transpired and she then advised that even if I submit this information they will not correct it as they are stating the XXXX XXXX has placed a freeze on the account and that prevents them from correcting this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Accelerated Receivables Management, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We have near-perfect credit almost allways in the 800 range. While trying to buy a new home, a credit mark showed up from a XXXX XXXX Lab service done way back on XX/XX/2014. The company is now out of business due to fraudulent billing practices but a company called XXXX XXXX XXXX ( phone is XXXX XXXX XXXX ) placed the mark on my credit report without first contacting me. Their head of this account also verbally threatened me with a lawsuit if I did not pay in full immediately, which I take very seriously. I was also told that I could resolve the issue by sending them the Explanation of Benefits documents ( from my insurance, XXXX XXXX XXXX XXXX, which I did. They did not respond and the bad mark on my credit remains in place. I simply refuse to be extorted like this and companies that make these kinds of threats by inaccurately placing bad credit marks on your history need to be held accountable.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-15
Company: CITIBANK, N.A.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 
2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a XXXX form. They would not let allow me to settle the account. They said the account is past the statute of limitations. 
Monday XX/XX/2019 The operator said that they do not know if a XXXX will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.

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: SYNCHRONY FINANCIAL
State: PA
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:
Synchrony BankXXXX XXXX I tried several attempts to resolve this account with Synchrony BankXXXX XXXX. They reported on my credit file in many errors as ND/No Data for 5 months then the account charge Off Then they closed it out. I wrote them disputing this account several times with no response to the matter. Then they told me on XXXX they sold it to a company named XXXX XXXX in which never in all this time mailed nor contacted me to this account. XXXX XXXX has not ever showed up as any collection on my account nor mailed me any letter which I 'm by law entitle to dispute any charges or the account. Cach llc is in bankrupt and various legal issues with various law suits. Synchrony BankXXXX XXXX is the originator of the loan in which they have violated my consumer rights. When calling them its nothing but the run around as to all the time I disputed the account and mail letter disputing the issues. Now they state the account was closed in XXXX. Of the 3 credit Bureaus Synchrony Bank/care Credit reported error information payment showing being made then on another credit report CO/Charge off but showing payment made on my other credit report show last payment made but nothing that Synchrony Bank reports match up and the credit Bureaus say they only go by what they report. There is nothing on this account accurate by Synchrony bank as to how they report correctly. 
My other issue would be to file suit on Synchrony and provide documents showing there errors amounts and letters mail to them time after time regarding this account.

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 2019-07-25
Company: BB&T CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I recorded Regional Acceptance Corporation 's abusive phone calls to me. 
Fri, XX/XX/2016, XXXX XXXX  to me First Threat Call Since Predatory Loan, my fighting it and being charged off. 
The above listed is the e mail storage of the second round of calls and my notation. The first round of calls and my confronting them with the fact that " at XXXX per call that I could continue to record them and use that to pay the car off '', was the reason that management agreed to let me make " good faith " payments in the first instance. 
The company responded deceptively regarding this in an earlier response to CFPB.

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 2019-04-02
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I've tried to fix this more then once but the telemarketer uses offensive words and will not help fix this problem on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is still being reported to Equifax as an installment amount ; this car was refinanced by XXXX XXXX XXXX XXXX in XX/XX/2018 2018 The account needs to be moved to paid in full and closed. Its ruining my debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Carrington Mortgage Services {$120000.00} Opened XX/XX/XXXX Closed ( paid off ) XX/XX/XXXX This was paid in full, however is still showing " open '' on my report. I contacted Carrington and was told that they had already reported it as " closed ''. I have received all paperwork stating the payoff, returned balances of escrow accounts in form of checks, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a Capital One Bank credit card opened in XX/XX/2016 thas has been marked charged-off with an original charge-off of {$710.00}. This account was manage by XXXX XXXX XXXX out of California, the company settle my account with Capital One and base on what they told me the account was paid per that agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions Inc.
State: GA
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 received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No:XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX : Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, 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 2022-01-12
Company: EQUIFAX, INC.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Conn's, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with CONN CREDIT CORP. 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 CONN CREDIT CORP with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Firstsource Business Process Services, LLC
State: MO
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 contacted XXXX XXXX regarding them reporting a account that is over 10 years old on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another 10 plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent validation letters to Transunion to validate 12 accounts on my credit report the week of XX/XX/XXXX and I received any validation from the collection agencies or Transunion. According the the FCRA the time frame is 30 days and I still have n't receive any validation but my transunion report was updated the week of XX/XX/XXXX as Meet FCRA Requirements and Placed for collections. The 12 accounts were XXXX ( Listed 5 timess ), XXXX, XXXX ( listed twice ), XXXX XXXX, XXXX XXXX ( Listed 3 times ). I do n't have the account numbers because the debt was never validated to me.

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 2018-01-11
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call from RS Clark at XXXXXXXX XXXX CST onXX/XX/XXXX. The caller identified herself as XXXX, I properly identified myself and asked her to stop calling me. She said she has to keep calling. I told her a 2nd time to stop calling and that it is my understanding that she has to stop calling. She said no she has to keep calling. I verified her name one more time and told her that I am filing a complaint. I do not want phone calls or letters. Its already on my credit. Please do not disturb me. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX coded my credit report on all 3 credit bureaus 30 days late for XX/XX/XXXX. My XXXX Payment was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the XXXX XXXX XXXX with is corrected to my XXXX XXXX XXXX Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account Statement supporting my compliant. My payment was not 30 days late.

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