BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-04
Company: Atlas Collections Inc. (of New Castle)
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XXXX XXXX, 2015, I was contacted by a woman named XXXX who gave me her phone number and wanted me to contact her. I have this message on voicemail. She did not say this is an attempt to collect a debt. I called the number back which went to voicemail that said it was Atlas Collections from XXXX XXXX Indiana.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Debt appears on my credit report for emergency medical services but services where never rendered to me, i live in texas and was working and can prove it. the debt was created out of state. this is clearly resulting from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased an American Express Pre-paid gift card directly from the American Express website on XX/XX/XXXX. The card indicates on the front it is valid until XX/XX/XXXX. I've had the card in a draw since that time as with the pandemic I have not needed it. I attempted to activate and use the card today and it was denied. I called American Express XXXX XXXX twice and they told me they turned the money over to the Georgia Unclaimed property office. There is no reason they should have done that. I received no notification and the card says right on it that it is still valid until XX/XX/XXXX. The refuse to honor the card balance of {$200.00} and have now hung up on me 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been working on my credit for the last year or more to get my score higher, I monitor my credit and my mail daily. This company Commonwealth just posted a collection to my report without sending me a 30 day notice letter to either dispute the claim or settle it. I have not spoken with them nor have they sent me anything in the mail at all. Had I had been given this opportunity I would have taken care of this one way or the other before the collection ever hit my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX. USAA DID NOT INVESTIGATE. 60 DAYS LAW GIVES BANKS TO RESOLVE FRAUD NOT FOLLOWED BY USAA. see attatched XX/XX/XXXX STATEMENT. **?? NO BEGINNING FRAUD INVESTIGATION CREDITS PROVIDED TO MAKE PERMANET. NO INVESTIGATION PROVIDED. see attatched STATEMENT XX/XX/XXXX ** ALL XX/XX/XXXX TRANSACTIONS ARE DUPLICATE CHARGES XXXX {$340.00} AND XXXX XXXX TOTAL {$470.00} TOTAL DUPLICATE CHARGES {$810.00} 1 ) USAA DID NOT INVESTIGATE FRAUD I REPORTED XX/XX/XXXX. 2 ) USAA DID NOT PROVIDE USAA CREDITS TO INVESTIGATE. 3 ) USAA POSTED DUPLICATE TRANSACTIONS OF XX/XX/XXXX XX/XX/XXXX {$810.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Affiliated Creditors, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was double covered by blue cross during this visit. I told them to file it to all of my insurance accounts and Then if there was a balance ( which there should n't be ) to Bill me then. They were unhelpful and clearly did not bill my insurance as asked. They wanted to collect money from Me immediately instead of billing my insurance. I can show proof of the insurance and they can not show proof that they filed it to all of my insurance. This is an issue EVERY time I visit this hospital. Furthermore, this collection agency REFUSES to give you the contact information for the company they are collecting for so that you can push to have the issue resolved. This company is very dishonest

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Worth Finance Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Worth finance is in violation of federal and state laws of consumer credit reporting. This account is reflecting open on my credit. It is to my understanding that loans are charged off at 120 days. I disputed this account and it came back as reported accurate, it is impossible for an original creditor to report an account charged off and open at the same time. This inaccurate credit reporting is affecting my civil rights to an accurate credit report and is tarnishing the accuracy of my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
GC services has been harrasing me for years. My sons student loan should have been dischargesdischarged in 2007 when he passed away. They call me repeatedly on my cell phone after asking them to stop calling, now they are calling my employer. 
They are rude and upsetting to me because the lady keeps saying she does n't care my son died.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the past few years I have been struggling to pay my private student loans through Navient. I have a monthly payment of around {$670.00} which was based on my previous job as a salaried employee which I set up a few years ago. They refuse to lower my principle monthly payments and will only offer me interest-based only monthly payments which defeats the whole purpose of paying back these loans. I have done this in the past but I believe I was mislead to doing this a few times which has extended my payments. This is in addition to Navient creating difficulties for my repayment by providing misleading information including guiding me into entering loan forbearance in addition to other avenues that led to my crumbling credit score. This does not include the thousands of harassing phone calls that I and my family ( the cosigners ) have received, every day, multiple times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX  # XXXX, has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am a natural person. I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give TransUnion written permission to furnish these accounts. 

XXXX  XXXX  XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Account Information Address XXXX XXXX XXXX XXXX XXXXXXXX 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 2015-05-14
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a XXXX dollar debt with team mobile. Not understanding the why this debt shows I still at this present have a open account with XXXX for over 5 years. Not only for phone service but the devices Such as iPad and other phone devices.. Also knowing that if I do n't pay monthly bill my service would be suspended. So if I owed this amount off XXXX dollars why am I still a existing customer with them. DO N'T GET IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Us Bkpt Ct Bal XXXX Bankruptcy Filed XXXX This is old and have to removed as soon as possible. 

Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

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 2017-03-20
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I rented an apartment at XXXX. I completed two different leases with them. One for 15 months the other for 12 months in XXXX different apartments. I paid to transfer to a bigger apartment. I was forced to sign a new lease without even seeing the new apartment. I had a good history with them so I did n't think much of it. I was n't aware that the apartments were now under new management. The apartment smelled of animal urine and mold/mildew. The air conditioner did n't work. The stove also did n't work. I was forced to live in this apartment for weeks with no A/C in the summer. I asked management to address these issue numerous times and was ignored. My son has XXXX so I could not live there any longer. I moved out because they did not hold up their end of the lease by providing me a livable apartment. I had to look out of my son 's health.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been getting numerous calls from XXXX over the past month 4-5 times daily. I would normally ignore the call because i am unfamiliar with the phone number. The times i would answer the call no one would respond, what would happen is that the line becomes silent and then the phone would hang up. I was a bit curious of the person that could be calling and wondered if it was someone who probably changed their number or probably just an important call and so i decided to dial the number on XXXX/XXXX/XXXX after which a female voice answered and said " Is this XXXX XXXX '' so i responded and asked " Who do i have the pleasure of speaking to '' the female voice kept asking if my name is ... ... ... .., to which i responded that it is only mannerly to introduce yourself and say what you are calling about, the person still decided to kept asking me to verify my name, address, and last XXXX digits of my social, I did not verify my social but i gave my name and continued to asked what was the reason for calling but the person kept asking me to verify my address and my SSN to which i did n't. They eventually started to tell me that this is an attempt to collect a debt since XXXX and if i was ever an XXXX customer. they still refused to give me the name of the collection agency they represent and kept saying i owed {$100.00}. I told them sorry they have the wrong person because i never was indebted to a XXXX. However i told the person not to call my phone ever and i will report this call. she ended by saying that this will go to dispute. I can say with all conviction that my credit report does not indicate i owe an XXXX and i am convicted that this is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX, 2016 I received an alert from XXXX stating that a new collection account was added to all XXXX of my credit bureau credit reports. I saw the name of the collection agency and I never received anything from stating that they were collecting anything. And also they are collecting for XXXX and I never had XXXX. If they would have communicated with me I would have been able to dispute the collection and send them the police reports and FTC affidavit. I have been victim of identity theft and this is another account that is part of it. I have attached my police report and FTC affidavit which includes Convergent Outsourcing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on XXXX my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX  Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for XXXX and Equifax XXXX however XXXX " Paid '' for XXXX Inaccuracy # 2 : No. of months ( terms ) : 9 months for XXXX and XXXX, but 0 months for Equifax XXXX # 3 : Payment Status : " Collection/Chargeoff '' for XXXX and Equifax, XXXX " Unknown '' for XXXX. 

Inaccuracy # 4 : Date Last Active : XXXX different dates. 
XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for Equifax Inaccuracy # 5 : Date of Last XXXX for XXXX and XXXX, however XX/XX/XXXX for Equifax This information can not be accurate if I'm being provided with different data from each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In order to move my cell phone XXXX to my Son 's account, we had to pay the balance at XXXX XXXX XXXX before they would release the number to be transferred to XXXX. At one point they said my account was closed and we could n't get the number back. The account was paid and we got the number back and XXXX activated my number under my son 's name XXXX XXXX. You may call me if you wish to verify. 
XXXX XXXX XXXX is notorious for their billing mistakes which wastes our time and money getting them settled. It seems clear that they sold my account to a collection agency right after i paid my bill in full and left them after years of being a loyal customer. My Son left them years previously because of billing disputes when they were XXXX. Turns out that they suspended his services because he went over their limit by {$6.00}. After weeks of discussion with their presidents office, it turns out that he was over because they did n't give him his XXXX % discount for bundled services. SO WE REALLY ARE NOT SURPRISED! 
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 2023-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit and saw negative results on my credit that i do not owed or know anything about. I just want this remove this account off of my credit. I have disputed and they just will not remove this fake account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion did not properly investigate my complaint. The account I disputed was XXXX XXXX XXXX XXXX  listed on my trade line. I called the company and spoke with a representative who told me that the company had no knowledge of this account. With that being said, it should not be reporting to my TRADELINES. Transunion responded to my complaint stating that the item verified as reporting correctly.

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