BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: Financial Credit Network Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is that i was told by the hospital XXXX XXXX that i should wait to pay my bill to see what my insurance picks up. so that time passed 2 or 3 years goes by. My wife and I think her multiple XXXX and mine have been covered 100 percent. We get a call from Financial Credit Network informing us we have many accounts in delinquency. All of them with XXXX XXXX hospital. Without any type of warning shot they want all the money now which i do n't have. All these accounts are for XXXX to XXXX dollars to XXXX dollars to XXXX dollars. So they pummel my credit report with several delinquent accounts with the same hospital i owe the money to. Meaning so instead of owing 1 delinquent account for XXXX dollars i owe several accounts for XXXX dollars to XXXX dollars destroying my credit. Just because i could n't give them the money right there and then. That would be like someone owing on a XXXX that went delinquent and getting reported on for that XXXX XXXXXXXX 40 different times because it was used at XXXX XXXX XXXX XXXX XXXX, the gym at XXXX XXXX. Well you get my drift i hope. It is unfair credit reporting because first of all it is the same place XXXX XXXX XXXX, Second of all I was never afforded the opportunity to settle this bill with the hospital before it got this big. Try calling them they never pick up the phone and they never call back after leaving messages. My wife is XXXX I am a veteran with medical issues, I tried to explain to Financial Credit Network how bad they screwed my credit up. For something i did n't even know about? How can these people hurt the public so bad and not even have to answer to anyone. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.

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 2017-08-18
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a doctor visit with XXXX XXXX at the XXXX XXXX on XXXX XXXX of XXXX. On XXXX XXXX XXXX the XXXX XXXX sent out the bill to be paid. My heath equity company received the bill on XXXX XXXX XXXX. I then process it in my account to be paid and a XXXX card was sent to the same XXXX XXXX that other payments have been mailed to from XXXX XXXX. That XXXX card was sent out on XXXX XXXX XXXX, that payment was never processed by the XXXX XXXX or XXXX XXXX. On XXXX XXXX XXXX my XXXX XXXX company saw that payment had not been processed yet so they issued a check and sent to the same XXXX XXXX XXXX They check was never processed by the XXXX XXXX or XXXX XXXX. The XXXX XXXX issues all bills to AR Services after they have n't been paid. AR Services contacted me via phone and sent me mail that I had an outstanding bill to be paid. I contacted them several times saying this bill had been paid that the XXXX XXXX had been issued a payment and gave them the date of XXXX XXXX XXXX that it had been mailed. They were supposed to be in contact with the XXXX XXXX to confirm they had received payment. To my knowledge this had been taken care of. On XXXX XXXX XXXX I had my credit pulled to be pre-qualified for a home loan. It showed on there that A1 Collections had two different collections on there for {$130.00} not being paid to the XXXX XXXX for that doctor visit. If it were n't for me trying to be pre-qualified I would have not known that I had been sent to collections. I contacted A1 services that same day to ask about this and ended up paying the full amount to settle it. I have attached documentation that XXXX payments were sent from my health equity account for this to be paid back in the beginning of the year.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Williams, Rush & Associates, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NC the school got audited and had to close downover 400 people lost their commercial license I was one of those people I lost my due to this and Im still being told I have to pay my balance off https : XXXX Heres a link to the article

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to report fraud on my credit report from XXXX, and Convergent Outsourcing, their credit collections agency. I have received notice from XXXX that Convergent Outsourcing has listed a bill in collections of {$910.00} as the original bill on my credit report. However, upon doing research I found this bill is fraudantly listed on my credit report, from XXXX. 

Upon moving from my apartment at XXXX XXXX XXXX # XXXX, XXXX, IL I returned the equipment, however they have fraudantly reported the equipment as missing and charged me over {$500.00} equipment fee. I have paid {$100.00} on this account already for the past cable and internet bill. I have made several attempts to call XXXX and Convergent Outsourcing, however they refuse to accurately list the bill. I would like to request an investiagation and report both companies for 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 5th try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$8400.00}

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00}

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 2022-07-07
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have contacted Comenity 3 times. The 1st time I called was last week to let them know that several charges on my comenity credit card was NOT me! An agent name XXXX said a complaint was filled and that it will be investigated. He also said someone stole my credit card info when swiping at a store.. Someone stole my credit card info and made purchases totaling in {$800.00}!! I have been calling comenity this week and all calls go straight to a voice massage and the call gets disconnected! since the complaint made last week I have also lost access to my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: IL
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 XXXX  Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account XXXX : XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account # : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: LEXISNEXIS
State: MS
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've continuously been sending letters to XXXX LEXIS NEXIS on XXXX the XXXX, XX/XX/XXXX, XX/XX/XXXX Same for XXXX, XXXX and XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Information belongs to someone else

Complaint:
I sent a letter onXXXX XXXX, 2022 to CREDIT bureaus to removeXXXX XXXX XXXX XXXX Balance {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any ITEMS or information not later than XXXX business days after the ( date of the Previous letter ) .Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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:
Equifax ALLOWED the leak of my very sensitive personal financial information and kept quiet about it for about a month until the company 's directors were able to dump their shares of stock. I was one of the 100+ million Americans affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX -Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-07-07
Company: CADENCE BANK
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I received an email from BancorpSouth Mortgage while on vacation, asking me to contact them. Upon my return, I called ( XXXX ) XXXX on XX/XX/2022 and spoke to a mortgage XXXX She stated my XXXX XXXX payment had not been received by XXXX XXXX, so late charges applied. She stated mail is very bad now ( the truth ) and with my payment history, I would probably be waived the penalty. After we spoke, I researched the BancorpSouth Mortgage website and XXXX Bank XXXX XXXX account. Both sites showed a payment of {$2800.00} sent and received on XXXX XX/XX/2022. I also verified payment is done electronically, which is immediate- no mail. So, at XXXX pm XXXX that same day, I sent an email to the original sender, with screen shots showing they had received the money XXXX XXXX, in addition to the proof of receipt and application for payments on XX/XX/2022 and XX/XX/2022. I also included a screenshot of my XXXX account showing electronic payment on XX/XX/2022. I am retired now but when I worked, I was told at XXXX different companies to respond to emails within XXXX hours. After receiving no response as of XXXX PM XX/XX/2022, I called the XXXX XXXXrom the email. After I identified myself, she put me on hold for about XXXX minutes, then stated she would transfer me to a supervisor. After XXXX or XXXX rings ( supervisor did not pick up ), the system moved me to general XXXX. As of XXXX AM XX/XX/2022, still no email nor other response from BancorpSouth XXXX Cadence Bank ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: SYNCHRONY FINANCIAL
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a High Yield Savings account with Synchrony Bank. On XXXX my credit union account was debited for {$170000.00}, Synchrony did not give me credit until XXXX ; On XXXX my credit union account was debited for {$25000.00}, Synchrony did not give me credit until XXXXXXXX ; On XXXX Synchrony debited my account for {$25000.00}, My credit union did not receive the credit until XXXX ; On XXXX Synchrony debited my account for {$170000.00}, My credit union did not receive the credit until XXXX Essentially, they are not paying me for 2 - 4 days worth of interest on both incoming and outgoing cash flows. I can understand that they may not make funds 'available ' for a day or two due to making sure there are n't NSF or other chargeback/issues. But, the reality of it is in today 's instantaneous electronic banking world they have 'credit ' for my funds at the exact time my institution is 'debited '. They are cheating consumers out of significant days worth of interest. This very LARGE financial institution is charging consumers outrageous interest rates for credit cards, and their very low 1.19 % cost of funds they are paying for deposits to fund those credit card balances, they further decrease by cheating consumers out of a couple days worth of interest. Tell me this - if I had a credit card with them and charged something on it, do they afford the consumer the same benefit of NOT charging interest on that transaction for two days? I 'm pretty sure they do n't. This is the type of consumer harm the CFPB was created to protect consumers from and the reason the Dodd Frank Act was passed, yet consumers continue to be harmed by these large Banks that have very healthy profit margins. The fact is, the difference is about {$27.00} worth of interest ; I and certainly not Synchrony, will ever 'notice ' that amount of money but it is a matter of principal and when you talk about their BILLIONS of savings accounts, two days adds up to A LOT of money for them, spread out over lots of little consumers that probably will never 'notice '. That certainly does n't make it right and they should pay depositors fairly, just like they charge their credit card holders 'fairly '.

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 2017-10-17
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been charged erroneously for late fees that should not have been collected, as my payments were made on time since I had a Bankruptcy in XXXX, and they have also collected a number of fees relating to the Bankruptcy.

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