BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: Pinnacle Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XXXX XXXX, XXXX in The United States Bankruptcy Court of XXXX Massachusetts case # XXXX and under Chapter XXXX debt owed to " XXXX XXXX '' in the sum of {$820.00} was discharged. XXXX XXXX received a XXXX of Notice of this discharge on XXXX XXXX, XXXX and that is the only account I have ever had under my name and social security there after. 
On or about XXXX of XXXX I noticed a " Pinnacle Credit Services '' reporting on my credit reports that I owed them {$820.00}. When I called regarding this debt I was told it was for a XXXX XXXX account I had recently opened. After explaining to them that this debt was discharged and providing them the above information nothing was done to correct the issue. 
Instead I received harassing phone calls saying that they were taking me to court ( which never happened XXXX. They told me they were not responsible for removing or reporting information to the credit bureau 's and gave me numbers to Vision Financial at XXXX and XXXX XXXX XXXX at XXXX which I spoke with both who simply told me that XXXX was responsible for this. 
I have gone as far as to call XXXX XXXX 's corporate offices and they verified with me that the account I had with them was discharged through my bankruptcy in XXXX and that because of that they would not re-open an account for me under my social security without a large security deposit for 10 years! 
The way Pinnacle is reporting on all XXXX of my credit reports is that this debt is in collections and current and it has been damaging my credit for almost TWO YEARS. 
I am reporting them to the Attorney General as well and my next step will be to hire a personal attorney if you or they can not assist which I will expect Pinnacle to pay for. 
I would greatly appreciate your help as I have been working very hard at improving my credit. 
This company is awful and destroys people. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hopefully this complaint isn't overkill. 

With covid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against XXXX, Experian, and XXXX XXXX. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than XXXX years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.

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 2022-10-02
Company: Byrider Franchising, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
XX/XX/XXXX Your appt w/ XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) today, XX/XX/XXXXXXXX XXXX XXXXXXXX. Reply CONFIRM or call XXXX to change or get help with your XXXX link. 
I applied for a loan as a Creditor, and was asked for authorization via Power of Attorney, by a man named XXXX, to consent to entrust XXXX Agent to act as Creditor, to access and receive funds for the Consumer, Me. 
After Creditor accessed ( Hard Inquiry ) the funds, the substance was then denied the Consumer.

Consumer, Me, was denied without compensation, and there was no attempt to remind initial Creditor, also Me, of my Right to Rescind. 
I have sent notice via SMS to XXXX of my intentions to Cure, Resolve and settle the dispute. 
And am filing said complaint as to register the account publicly as a claim made my I, XXXX, the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: CO
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:
Opening this complaint in response to XXXX XXXX XXXX closing complaint XXXX and not addressing the complaint. XXXX response to XXXX was completely and totally misguided and did not address the complaint. XXXX responded about payment history etc. and the complaint was about an address! 

TO BE CLEAR - This is a complaint about an incorrect address for XXXX/XXXX for disputing credit reporting. Equifax is providing an incorrect address for XXXX/XXXX! Providing an incorrect address is a FCRA violation. Not sure who is to blame, Equifax or XXXX, but this is a FCRA violation! 

Equifax clearly lists the address for disputes with XXXX XXXX XXXX as XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The correct address for XXXX ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX also has an address in TEXAS - XXXX XXXX XXXX, XXXX, TX XXXX. WHAT IS THE CORRECT ADDRESS for disputing information with XXXX XXXX XXXX? This address provided by Equifax has been incorrect FOR YEARS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had XXXX XXXX in XX/XX/XXXX. To remove the XXXX  I had XXXX   but I believe most of this debt is from that and a little from some XXXX work I had shortly after the XXXX. I admit to both of these debts and realize its my fault for being at the point I am at now. After the XXXX and XXXX  work I had to miss over 10 weeks of work last year and occurred more medical expenses at that point for my treatment which I also still owe on and is still accruing. I am asking for some human factor from the firm and stopping the wage garnishment. I took out a loan on my 401k, which is now maxed out, and was supposed to get a little over {$1400.00} but only received around {$1000.00}. Then later that week I received my paycheck and it was significantly less than normal and at that point I realized I was being garnished over all of this. I called the firm and they had my address for XXXX, IA where I moved out of at the beginning of XX/XX/XXXX.  The lady I spoke with at the firm said they normally wont release a garnishment unless its paid off. Its their internal policy and I realize that it costs money to have to file that and everything else they have filed. I am okay with paying all those fees and all the other costs I have occurred from the lawsuit having to be filed. Had I know I was going to be garnished I would do anything to stop it. There was a reason I was borrowing against the last funds in my 401k, which 1/4 of that is already being held for the firm, I can not afford any of my bills. I am currently selling my truck which I bought in XX/XX/XXXX before all of my medical issues started so I can pay off all of the medical debt I have incurred as well as all the other debt from missing work. I am willing to pay the firm {$300.00} a month until the balance is paid in full including any new court costs incurred. The balance is around $ 2300-2400 right now which is well less than a year to pay off this debt that I didnt ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Pinnacle Credit Services, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The company never send me a final bill but instead disclose and send my account to a collection agency without my knowledge. I received collection calls all days with strange number and when I answer them I get treated and intimidation. I do not know the collection agency who calls and most of the time am at work because I work second shift and always calls during this hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Pinnacle Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, I have a " Double Cash '' revolving credit account opened with CitiBank. Given I don't use the account and I'm currently trying to reduce my overall revolving credit limit to better qualify for a home loan, I've attempted to close the account. The account can't be closed via the CitiBank app, nor their website. CitiBank requires account holders to call to close their account. I've called a number of times and have gone through the automated prompts using voice commands. Each time, I've been connected to a representative who pretends they can't hear me over the phone. However, it's abundantly clear the representative 's feigned inability to hear is scripted because their interjections trying to greet me are repeated so quickly, one wouldn't reasonably have the ability to respond without them repeating their greeting over a response. 

Consumers should have the ability to manage their own credit, and I'm simply trying to close this account to get my overall open revolving credit under control.

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 2020-01-04
Company: EQUIFAX, INC.
State: NY
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 have previously reported these items was incorrect. It is not my account, i believe i am a victim of identity thief. The following accounts needs to be deleted : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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:
I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the addressand telephone numbe r of the person who furnished and verified this derogatoryinformation with Transunion. Further I am also requesting verification of the dates, originalpayee information, amounts of any and all payments that led to this alleged debt beingplaced on my Transunion consumer file. All information in pursuant to the FCRA section 609should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I am disputing andrequestinginformation on the following. 

Account Name XXXX XXXX XXXX.Account Name -XXXX XXXX.Account Name -XXXX XXXXAccount Name-XXXX/ XXXX XXXX XXXX XXXX XXXX 
Account Name-XXXX XXXX XXXX XXXXAccount Name XXXX XXXX XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter. 
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 2020-01-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2016-09-06
Company: Transfinancial Companies, Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transfinancial can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the XXXX visit. The failure of XXXX to get paid is their own doing. 
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XXXX XXXX. Thus, this should be removed from my credit report according to the FCRA. 
Lastly, I never received a bill from XXXX XXXX or Transfinancial. Per my discussion with them in XXXX XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question. 

The attached documents clearly show that the hospital was paid. Therefore, if the XXXX company had done its proper due diligence, they could have been paid as well. Thus, TransFinancial did not perform proper due diligence to verify the legitimacy of this debt.

Company response to consumer: Closed
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: AZ
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:
On XXXX XXXX had been taken ill and I sent in a payment to XXXX XXXX XXXX the payment was sent back due to an error I explained that I had been ill and had put it in the portal and there was an error that put me now behind. I was explained by the servicing company that I could make a payment plan through a Covid program under the cares act. I had made an agreement that I have kept and made all the payments. XXXX continues to report erroneous reporting and is not correct all payments are and have been made correctly XXXX continues to report erroneous information which is damaging my credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.

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 2021-02-19
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Applied for refinance on XX/XX/2020 with NewRez mortgage and I am still waiting for closing. All documents have been submitted and can not get a straight answer from company. I spoke with loan processor yesterday to make sure payoff was received for the 3rd time. Just want to know if this will ever be completed. Appraisal was for XXXX asking to refinance {$120000.00} for 15 years. Current interest rate is 6.99 % was quoted 2.5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Bread Financial Holdings, Inc.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Someone used my credit card and opened a XXXX account and purchase unauthorized stuff. Comenity Bank ( BJs Credit Card ) Investigation group is recharging me because they said that the charges came from XXXX. When I opened my XXXX account, which I haven't used in 4 years, It listed an expired credit card and no transactions for the last 180 days. 
I now see a thread someone opens an account with XXXX fraudulently uses an unauthorized credit card and Comenity automatically pays XXXX and I'm still responsible. 
The original charges were made on XX/XX/20 for {$490.00}, {$140.00}, and {$100.00} to a company called " XXXX   XXXX CA ''. When I originally called Comenity, they took the charge off my account. Those charges were put back on my account on XX/XX/20. 
How do we resolve this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: Focus Holding Company
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 is not mine

Complaint:
There is a debt on my credit report that I do not owe. The collection company is Focus Receivables Management. It states I owe this company XXXX for a XXXX XXXX XXXX account from 2010. I did not have XXXX XXXX XXXX in 2010. I called XXXX they have no records of me having an account in that year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My home loan has been transferred from XXXX, then XXXX, SLS secure loan services, all three of them told me I would qualify for a modification yet to the date SLS gives me the run around sends me all the information and never return a call to see if I qualify then I call and they say yes we got your paper work but the time limit had expired, I 'm like what?? Then they go also, u forgot to fill in certain sections, so it 's expired I have to send you another package I have had XXXX packages and according to them they are wrong now I 'm facing foreclosure and there I 'm loosing my home and no modification, I think this company is just a answering service cause they just do the same thing over and over and I 'm sure there is other people who are going through the same thing, this company needs to be looked at, there is something very wrong here

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation