BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: Bread Financial Holdings, Inc.
State: MS
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:
On XX/XX/XXXX, I pulled my credit file and XXXX XXXX reporting inaccurate information. On XX/XX/XXXX, I mailed a Cease and Desist and Validation letter. I mailed a second Cease and Desist and Validation letter on XX/XX/XXXX to To date, XXXX XXXX has not responded to my letter to provide all documentary evidence to prove I owe the debt. They continue to communicate with me via the Credit Reporting Agencies and by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: FL
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:
Re : Request for Removal of Incorrect Derogatory Mark on Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Bureau, I am writing to formally dispute an incorrect derogatory mark that appears on my credit report. The mark in question is related to an alleged debt with XXXX XXXX XXXX for termination fees from ending a lease early. This information is inaccurate and I respectfully request its removal from my credit report immediately. 

Please find my identifying information below : Full Name : XXXX XXXX Last 4 of my Social Security Number : XXXX XXXX File Number : ( XXXX # XXXX ) Details of the Disputed Item : XXXX XXXX XXXX {$2900.00} Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Reported : XXXX XXXX, XXXX Explanation : In XX/XX/XXXX, I vacated my rental unit at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX with the permission of the leasing manager. I was provided with a written vacate letter, a copy of which is attached. The leasing manager informed me that she would consult with the corporate office regarding the waiver of any termination fees. I vacated the property in good faith based on this communication. The unit was re-rented immediately after I vacated, indicating that the property did not incur losses due to early termination. 

Despite this, the management company reported termination fees to the credit bureaus, which is both erroneous and damaging to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX  are reporting incorrectly collections for medical expenses on the following accounts : XXXX XXXX in the amount of {$4500.00} account number XXXX ; N/A in the amount of {$1600.00} account number XXXX ; XXXX XXXX in the amount of {$700.00} account number XXXX ; CREDITORS in the amount of {$340.00} account number XXXX ; XXXX XXXX XXXX in the amount of {$290.00} account number XXXX ; and N/A in the amount of {$140.00} account number XXXX. ( Please see page attached from my credit report. ) I had health insurance coverage and therefore there should be no outstanding balances due. ( I have attached a copy of my insurance card. ) This false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are two collections on my credit report. I have never received bills from this office, I have had health insurance since 2010. I do not owe this money. Also, there are two negative reports that I believe are the same bill. I have tried to call them numerous times. The voicemail box is consistently full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: EQUIFAX, 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:
Equifax is incorrectly reporting my credit history. My equifax credit report shows someone else in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received no mail correspondence or phone call from Amsher Collection about a debt that is not mine for a XXXX XXXX acct I do not have. I do not have a contract with XXXX and I requested to get any proof that they have to legally send this to my credit and didn't receive anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Lender : XXXX XXXX XXXX, XXXX. 
Loan Type : Single family housing loan Loan Acknowledgement date : XX/XX/XXXX Loan ID # XXXX Amount : {$580000.00} Credit Rating Agencies : XXXX, XXXX  Ratings posted by Agencies : All above 800 Result : Disapproved Reasons for Disapproval : a ) current credit situation unsatisfactory and b ) unable to verify ownership or occupancy. 
Ownership to Property : XX/XX/XXXX through to date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
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: Information belongs to someone else

Complaint:
This letter is being sent in response to a computer generated, entry or letter unsigned, from XXXX XXXX # XXXX THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILUARE OF NOTIFCATION! 2ND THREATS AND CONTINUED COLLECTIONS EFFORDS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERFICATION OF YOUR PROOF OF CLAIM. 
Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Experian Information Solutions Inc.
State: MO
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 been enrolled in school full time since 2016. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are both reporting that my student loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in school full time. I have disputed the two XXXX XXXX XXXX accounts and the two XXXX XXXX XXXX XXXX accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment from NLSDS. 
I have contacted NLSDS and XXXX XXXX XXXX XXXX and both have told me that they will not change how the loans are reporting

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 2019-08-10
Company: The Outsource Group, Inc
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
" This is XXXX XXXX XXXX calling about your unpaid debt to XXXX XXXX ''. 
An Internet Search revealed no company by that name in the XXXX Utah area so I must assume this call is all about fraud. I haven't visited the local XXXX center in XXXX since early last year so I don't owe them anything. XXXX stands for XXXX  as near as I can tell. 
The robo call came from XXXX and said I must call them during the week.

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 2023-04-19
Company: Revco Management, LLC
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: Information belongs to someone else

Complaint:
It showing I have an account for revco illuminating company I can not get in touch with someone. I never open an account with them. I am concern with my identity and its hard to get in contact with a live person! This is my identity. This can ruin my life if they do not put a stop to it and to whoever opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I asked CitizensBank, through their email system, to close my account in XX/XX/XXXX ( XX/XX/XXXX ). They acknowledged my message and I thought that my account was closed. The account number is XXXX. 

I subsequently received a notice that my account was overdrawn, due apparently to items being presented against the account ( an ACH item from XXXX ) after I asked that it be closed. The amount OD was for the item and OD fees. I sent them a transfer to cover the overdrawn amount and bring the balance to XXXX. They said again that they would close my account if I did this. So I assumed again that the account was closed. 

I attempted again to get XXXX to cancel the ACH draft for an insurance policy ( I do not own the policy, it was for the daughter of someone I lived with for 22 years ). The agent that sold me the policy has long since moved on from the company. I do not have the policy number, since my ex has all that. 

A few weeks go by and I receive another notice my account is overdrawn {$9.00}. The amount OD represents only fees charged by Citizens for returning the XXXX ACH. I contacted the Bank again, spoke with them, received a voice mail message later that they had resolved the problem. I did not pay them the {$9.00}. They were going to reverse that. 

I received letter dtd XX/XX/XXXX that my account is now overdrawn {$19.00}. They simply refuse to close the account, continue these charges each month for returning an ACH item that I can not cancel, and which they do not pay. 

This is an incredibly abusive practice. I paid them the first time they failed to close the account, but having been assured by a supervisor that the account would be closed after that, I am not paying these people {$19.00} more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX  Sporting Goods Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX & Ls Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Investigation took more than 30 days

Complaint:
I sent certified dispute letters to Transunion and XXXX on XX/XX/2020. I have not received any letters or any type of reply from either company. It has been much longer than 30 days.

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 2020-10-20
Company: EQUIFAX, 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:
I had a loan with XXXX XXXX XXXX XXXX Because of Covid 19 hardship I requested a Forbearance Starting XXXX XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow. 

I spoke with a Customer Service Representative and she told me that we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it because of this derogatory payment XXXX XXXX XXXX XXXX has placed in my report. I have the possibility to refinance the house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account. 
To resolve the problem, I would appreciate that XXXX XXXX XXXX remove the 60 days late in my credit report ASAP so I do not have to go to the Court Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX contacted via phone and email advising all three major credit reporting bureaus account that does n't belong to me was being reported ; they advised would investigate the account came back verified then submitted ID Theft affaviadit on to local police and online XX/XX/2017 ; the account was removed after all requested documentation was submitted then on XX/X/2017 the account without notice was re-entered on XXXX and Experian file contact and was made aware of a glitch and that it would be deleted which has not happen. AT this point I would like account removed and blocked so that re-entry can not happen again

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 2019-08-10
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX/mo for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number. 

At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX. 

On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required 620. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that Enhanced Recovery had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score XXXX points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services is violating the FDCPA. Back in XXXX XXXX, they sent me a bill which I did not recognize. I asked them to validate the debt and prove that this debt was mine. I received no response at that time. On XXXX XXXX, I received a letter from XXXX XXXX XXXX trying to collect this same alleged debt. I wrote to them as I did Phoenix previously. I received no response to that letter. Now Phoenix has contacted me again asking me to pay the same alleged bill but this time the current creditor being referenced is XXXX XXXX XXXX XXXX v XXXX XXXX XXXX cited originally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, I have a Citibank dividend card. The card is no longer available to apply. For years now citibank has wanted me to change the dividend card to another type. I decline the offer every time. On the XXXX of XXXX citibank closes my account citing that I havent used the card since XXXX. I logged in last night and could see the charge I made at XXXX store in XXXX ( I dont remember what date. ) Today when I called customer service stated, we see no charges all the way through XXXX but we do see a payment in XXXX. How does that make any sense? What would I be paying if theres no charges? Oddly enough all my charges disappeared from citibank, and I have no printed statements. I do have the payment I made through my chase checking account which was made XX/XX/XXXX, for the charge I made at XXXX in XXXX to my dividend card. 

Closing of the card affects me in different ways. I know to use all my cards to avoid closures. Closing the card affects my credit score. I  recently refinanced a mortgage and had to buy a car. This is my oldest card going back to around XXXX. I will settle for a product change of the card as long as the account isnt reported as closed. Keep the dividend citibank! 

Again, I could see the charge on my dividend card from XXXX, and now its disappeared. I feel like citibank did whatever it takes to force a closure of the account. Im not sure why they want to get rid of this product to this extreme.

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 2021-04-29
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:
A fraudulent account was opened with XXXX XXXX under my name. I have provided an Affidavit of Fraud an Identity Theft Report Notice to The Federal Trade Commission as well as a complaint to The Federal Trade Commission. I did NOT open an account with XXXX XXXX. This is a fraudulent account and is not mine. 

XXXX XXXX has failed to comply with Section 609 FCRA by not providing the required documentation related to my dispute. 

XXXX and Transunion are not requiring XXXX XXXX to comply with Section 609 FCRA and provide to me copies of specific documentation related to the fraudulent account opened in my name. I have received NOTHING from XXXX XXXX in violation of Section 609 FCRA and The Fair Debt Collection Practices Act.

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