BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
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:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$160000.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX - - - - - - XXXX On Time 30 Days Late NA No Applicable Payment History - Data Unavailable Additional info Responsibility Joint Account Terms Unknown Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX PL XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is everything correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had made previous purchases on promotion with XXXX XXXX, differed interest for so many months, I have one purchase that ends on XX/XX/XXXX with a balance of XXXX, one that ends on XX/XX/XXXX with a balance of XXXX and the most recent one with a balance of XXXX ending on XX/XX/XXXX. up untill now the majority of my payment has been being appied to the purchase promotion due to end in XX/XX/XXXX but this months payment went mostly to the newest larger purchase. I called and was told that each purchase has its own min payment. I asked about the extra i sent above the min payment and was told that the extra must be split between the 3 purchases as well. This will make it impossible for me to pay off the promotion due to end soon without paying off the entire balance. I believe this is an unfair practice that will lead to them recouping the differed interest and that the promotion is misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Heres what happened. In 2018, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with XXXX XXXX the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. I contacted my employer who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. The {$370.00} is not the debt I owe for my XXXX XXXX XXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violentes my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use   XXXX   XXXX   to budget and avoid overdrafts and they depend on the bank to send updated balance and transaction information. The bank has been consistently and unacceptably slow at sending this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Medical Data Systems, Inc.
State: TX
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 contacted XXXX, XXXX and XXXX about fraudulent information being reported on my reports and submitted disputes for all accounts that were in question. I also reported that my personal information was compromised and needed it to be 100 % accurate due to ID theft that happened in XXXX and also again in XXXX. On XX/XX/XXXX I received an updated copy of my report with some of my request granted concerning my personal information but none of the closed or collection accounts were properly verified. At that I time I requested for a second time to have 100 % account verification and on XX/XX/XXXX my report was updated once again as verified but my request to have proof of the method of verification according to the FCRA section 609, section 605 and section 623 that I have the right to have all data, every notation, dates and balances validated 100 % accurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated the law.

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 2022-04-06
Company: EQUIFAX, INC.
State: MS
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 # 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 XXXX : 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 2020-10-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
SYNCHRONY FINANCIAL - Paypal Credit I received a surprise notice : " This account is closed. You can't make purchases, but you should continue to make payments until your balance is paid in full. ". There was mailed correspondence dated XX/XX/2020, which indicated that my account was closed due to " dishonored payments ''. 

They closed my account without any prior notice due to some dishonored payments. My account had been active for a few years and payments were always made on time. There was no communication or warning, and I couldn't be bothered reading their terms of service which says that they can close an account at any time. If someone encounters technical difficulties when making payments and they are reported as dishonored, then they risk having a closed account at SYNCHRONY FINANCIAL without any notice given. The closed account will also reduce my credit score. Customer service refuses to re-open the account. They also charge a fee for the dishonored payment despite closing the account. And they do so during a pandemic/global crisis. Very poor form.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: IL
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 was trying to by a house and realize. I have damages on my credit report.According to the 15 usc, 1681, Law. There should not be any damages on my report it is a defamation to my character. Collections, inquiries, charge offs

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 2023-04-12
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no information or details on the debt the have sent into collections as I have never been notified of this debt. There is a debt of {$970.00} on my credit report and I don't know what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My information was part of the XXXX and XXXX data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.

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 2019-12-07
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My paychecks started being garnished for this PHEAA school loan on XX/XX/XXXX the amount owed was at that time was XXXX ( see uploaded documents. ) My employer closed its doors in XXXX I notified AES and XXXX XXXX, XXXX of the job loss.. I started my next job at XXXX XXXX in XX/XX/XXXX I contacted the AES company that was handling my loan and they informed me that i have not payed any PAYMENTS on the account even tho I FORWARD them the EMPLOYER ACKNOWLEDGEMENT OF WAGE WITHHOLDING form that I and my boss signed they said I had no payment on file and my loan was sent back to the PHEAA. On XX/XX/XXXX I received a NOTICE PRIOR TO WAGE WITHHOLDING from XXXX XXXX XXXX for the amount of XXXX. I contacted them right away and spoke to a customer service representative named XXXX we agreed to a repayment agreement threw the rehabilitation program my REF # XXXX. I paid the required monthly payments and was awarded COMPLETION OF LOAN REHABILITATION PROGRAM from the PHEAA ON XX/XX/XXXX I contacted the PHEAA to ask about payment and where to send them the PHEAA told me I would be contacted by XXXX and that's who my loan was sold to I then asked about the PHEAA taking that loan off my credit report but it never did they just closed the account. So months went by and on XX/XX/XXXX..i received a monthly statement from XXXX. But in XXXX OF XXXX I WAS INVOLUNTARILY FIRED FROM MY JOB AT XXXX XXXX AND I FEEL ON TRAGIC TIMES I JUST STARTED WORKING AGAING FULL TIME IN XXXX OF THIS YEAR SO I HAVENT EVEN BEEN WORKING A FULL YEAR YET AND I WANA NO WHER DID THE FIRT GARNISHED PAYMENTS GO I HAVE DID MORE THAN COOPERATION TO GET THIS TAKIN CARE OF BUT IT SEEMES LIKE EVERY TIME I TRY TO GET A GOOD START ON PAYMENTS IT GOES BACK TO PHEAA AND BACK TO DEFAULT I DID MY PART OF THE PROGRAM THEY DID NOT DO THEY PART AT ALL SPECIFIED IN THE AGREEMENT I THINK I SHOULD BE ABLE TO START THE PAYMENT AT WHAT XXXX HAD IT AT AND PHEAA should clear my credit REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good Morning : I would first like to point out that this correspondence is also being deliveredto to XXXX XXXX XXXX and I also lodged a formal inquiry with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau all of which be can researched. 
I understand that debt collectors buy and sell 'alleged ' debts frequentlyHowever, in the state of New Jersey `` The statute of limitations runs out inXXXX XXXXafter six years for mostdebts. 
Even after that period, a creditor has the right totry to collectadebt '' I understand that you have a job to do Officer XXXX XXXX XXXX XXXX XXXX NJ OfficeOfXXXX ( but what I would like to say is this : My wages being garnished are not the issue, the issue is attempting to strong arm my employer that has nothing to do with this, The re-selling of old debts is very antiquated. 
Also viewing your documents with the plethora of stamps which seem to me as a " non- legalize individual '' are just notaries of which anyone can obtain. 
Since your firm was able to find me do a little further research and view the amount the times I've attempted to dispute this but to no avail. 
In closing ; I'm imploring that you release me from this garnishment immediately.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-06-11
Company: Persolve, LLC - Legal - Series 2
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Persolve Legal Group LLP refuses to provide required documentation in dispute of an alleged debt they claim I owe. I have sent three certified dispute letters dated XX/XX/21, XX/XX/21, and XX/XX/21 to which XXXX XXXX " Compliance Officer '' fails to provide the requested information to validate this debt. The documents sent do not substantiate the debt, nor the information I requested, three times, and the excuse is that the documents that they received from their " assignor '' should substantiate the debt. The documents sent, to not provide the information I requested : name and addresses or creditors, when and who the alleged debt was obtained from and the amount at the time it was obtained, verification and documentation that there is a valid basis this alleged debt is owed to the stated creditor, billing statements, itemizations, statute of limitations, and their authority to collect. As a " Compliance Officer '' the obligation is to provide the requested information under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX  will not remove old deragotory information from my credit report.  It is more than ten years old. The statute of limitations has expired.

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 2019-12-07
Company: Ditech Financial LLC
State: MN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Letter received today. Loan was started in XXXX. Bankruptcy was filed in XXXX during my divorce. Ex-husband resigned loan papers I did not. 

I believe it is a privacy issue that I now know about this when it is my ex-husbands bill. I also believe this company might be trying to exhort money out of me. 

If it ends up on my credit report I will be filing another complaint. 

House was paid off 3 years ago and Ex-husband states they want {$8000.00} but won't say for what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
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: Account status incorrect

Complaint:
Ive mailed out a few disputes and the company failed to properly investigate my issues. There are many accounts reporting incomplete, inaccurate, or is in violation.

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 2017-06-06
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In  XXXX  there was a  XXXX  credit card opened in my name, when I found out about the credit card I took immediate action. I contacted  XXXX  to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In  XXXX  and in  XXXX  I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In  XXXX  the debt was sold to Calvary Portfolio Services and when I learned about this, I contacted  XXXX  to inquire about it. I spoke with  XXXX  and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus,  XXXX  always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After looking at my credit report as i am trying to purchase  my 1st hom e i noticed This collection account w ith Trident Asset  management, I called them and sent a certified letter for them to validate it and I never received the proper validation. I sent in disputes with all  XXXX  CA and they came back verified but I never received verifiable proof of this negative event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
OnXX/XX/XXXX XXXX XXXX delivered a pay-off of personal line of credit. This has not been cashed by receiving bank yet. We have contacted numerous people and have been given conflicting statements. Where is the pay-off check that has been delivered? XXXX provided a confirmation that the check had been delivered ( on-line banking ). Sent to address on the statement.

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 2017-06-07
Company: Resurgent Capital Services L.P.
State: WA
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:
Last year i received a notice on my credit report from some company claims i owe {$500.00} dallors to them on an old credit card that was paid. Ive been working with a credit repair company to resolve this issue. This compa ny LV something claiming that i pay on an old bill that was paid will be going to court soon to dispute this matter which they claim that i have Circuit Court which appears on my credit record I 'm going to dispute that and get every penny of the money that I got coming back to me for them harassing me. Again I know nothing about this company and for them to be practicing I 'm going to turn them in and let the FBI do the work on them for ruining my credit report tha nk you

Company response to consumer: Closed with explanation