BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-12
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed on my credit report that I had an account go into collections on XX/XX/XXXX. It is from service received for an emergency room visit on XX/XX/XXXX in the amount of {$550.00} & I have not been notified of this debt to this day. I do not remember going to the ER during this time. No phone calls were made to me or any forms of communication except reporting it on my credit report. I have had a new residence since XX/XX/XXXX which has been properly reported to the state & local post office.  Now it is on my credit report showing as a negative & derogatory account in collections. I am the one who reached out to Midwest Recovery Systems when i noticed it on my report today XX/XX/XXXX to resolve & asked politely for them to remove it from my history because to my knowledge it is past the statue of limitations of when they can try to actively pursue this debt & they refused, the response was they have 7 years. It took Midwest Recovery Systems - 6yrs. 1mo. to report this debt & i believe it is inaccurate & past the statue of limitations of which they are allowed to handle & pursue this debt. I also do not believe this debt is mine to owe regardless & they could not provide any paperwork, only the date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection account appeared on my credit report. I have never received a bill or a phone call pertaining to this medical bill. I am under both my parents medical insurance XXXX XXXX and XXXX. XXXX is my primary. That insurnace fall under XXXX XXXX and XXXX XXXX fall under my mother XXXX. Both insurances are active. I am requesting that this be removed immediately from credit report and if there is a payment due that they seek payment from the insurance company COMNWLTH FIN Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/2019 Balance Date : XX/XX/2019 Balance Amount : $ XXXX Monthly Payment : High/Limit : {$620.00} Account Status : Collection Past Due Amount : {$0.00} Comments : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: ORG GC GP Buyer, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A man named XXXX XXXX called my work and left a message on an administrative assistant 's voice mail. The voicemail was forwarded to my phone. When I returned the call, thinking it was work related, the lady on the other end refused to tell me what GC Services do or why XXXX was calling. When pressed she stated it was a financial services company. I asked what that means and listed off a number of financial services that she might be referring to. She declined to admit she was a bill collector. XXXX was the number left and GC Services was the company name. I have no way of knowing what may have been said to my employer but I plan to take legal action. I will not be calling XXXX back in 45 minutes as instructed and if he calls my work again, I will save the message this time. I will never be able to pay off any debt if greedy companies keep calling my employer and XXXX up my employment situation. My phone number is posted on XXXX, XXXX, XXXX, etc. etc, it is everywhere and totally available to anyone so calling my work is not only not necessary, it 's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/2022 I helped my son to purchase vehicle. Had problems with the vehicle. The dealer gave us excuses, the vehicle needed repairs. Got tired of waiting. Called the Finance company to come get the car. Voluntary gave car back. Now my son and I are being harassed by the Westlake Financial Services. They lied to the credit bureau stating the car was repossessed. The vehicle was a Lemon, it had to many problems. I had made a complaint with XXXX, for the car dealer, selling vehicle with a problem with the Title. Could not trade vehicle, the car is not registered in the State Of Texas. Voluntary gave up vehicle. And the vehicle was not repossessed. Now finance company will not stop calling us. That's harassment.

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 2022-01-16
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The company BB & T has an HSA account that I have tried to close out and they informed me I would have to report to a branch in person because my account was inactive. I explained they dont have a local branch. They would not update any of my information, not address or name change from marriage. I am hoping there is legal protection for me to not have to drive an hour or further away to go to this bank when I have never had an in person visit with them.

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 2022-01-16
Company: Experian Information Solutions Inc.
State: TX
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:
This is in response to a complaint I submitted to the CFPB XX/XX/XXXX. number XXXX. I pointed out that the consumer reporting agency was in violation of the FCRA regulation that required them to respond to a dispute within 30 days. Experian, however was unresponsive to my demand by adding another 30 days to the already 90 days it has taken for this investigation I requested that they remove the disputed item since they failed to respond within the appropriate timeframe. 
I specifically stated in the complaint that as of XX/XX/XXXX, I have not yet received a response regarding the investigation results regarding the following account.XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-16
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Convergent outsourcing is misrepresenting debt and wrongly reporting to all credit reporting agencies. They are claiming a debt that I disputed with the original creditor in XXXX is new in XXXX of XXXX. I've never had one piece of communication with this company, convergent outsourcing, and never been given any proof I have any business with them. They have provided me with nothing and lied saying this debt is from XXXX of XXXX. This is all lies and they are misrepresenting debt to gain financially from others. This is the very definition of a crime.

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 2022-10-06
Company: CURO Intermediate Holdings
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
While trying to repair my credit I noticed a collection from AD Astra Recovery solutions on my credit report. I have never contracted with this company and demand that they cease and desist any further negative reporting on my consumer report. I am refusing to pay this alleged debt as I have no obligation to pay anyone that I did contract with. This company can not produce a signed contract that I have with them as I have never done business with them. I demand the deletion of this account immediately. This company is damaging my credit and attempting to extort me for payment by the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: UT
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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: AZ
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:
just XX/XX/XXXX i filed a dispute on a item i have no written instructions with any accounts on my credit profile, one in particular was deleted and resinserted the same day causing extreme harm to my credit report. i contacted XXXX  and the creditor they just ask or payment and do not follow the law. i have massive violations that is keeping me from obtaining housing my family and i hve to leave this XXXX  in 45 days an i can not acquire housing due to massive improper reporting. these items are in well over XXXX in violations just on 1 account i have found several account in all which are reporting negative should be deleted immediatley. cfpb my rights have been violated, im seeking immediates relief on all my reports. 

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 states : a consumer reporting agency can not furnish a account with out my written instrutions. 
also the credit bureaus took more than 30 days. 
i also was not notified with in 5 days of many disputes on my profile i have several different amounts from account on my profiles which need to be removed and inquiries off of my XXXX  report as well. these things are more violation as well as improper names on XXXX XXXX should be listed only only address is XXXX XXXX XXXX XXXX XXXX XXXX nothing else. these items on my credit report have severly damaged my life prevent me to acquire housing al the u.s.c codes that have been broken is ridiculous. i have reached out mutiple times on accounts and they just want payment not follow the law. i would like monetary action and or immediate removal of each negative account as follows equifax has 8 addresses and a southwest job listed with out my permission and multiple names should only be XXXX XXXX no middle XXXX  reporting jobs inaccurately. 
my entire account profiles do not match as they should from all three bureaus XXXX  reporting a balance of XXXX equifax reporting a balace of XXXX XXXX  reporting balance of XXXX XXXX  has 11 inquiries that should be removed there is a bankruptcy listed on all three that should be removed. 

i have the following accounts on all three reports that need to be deleted XXXX XXXX  # XXXX on all three reports {$20.00} collection : : : XXXX XXXX XXXX # XXXX on all three reports {$880.00} XXXX XXXX  # XXXX is reporting open when its closed and also reported several late pays, remove this account immediately plus amount is incurrate {$660.00} XXXX XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX # XXXX {$2600.00} XX/XX/XXXX XXXX XXXX # XXXX {$940.00} XX/XX/XXXX bankruptcy XXXX please investigate all these items and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The late payments were part of a Covid deferred program and should not be counted late or missed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The late payments were part of a XXXX deferred program and should not be counted late or missed

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 2022-01-16
Company: SERVICEMAC, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made three monthly payments online. 
XXXX. XX/XX/XXXX amount XXXX XXXX. XX/XX/XXXX amount {$1900.00} XXXX. XX/XX/XXXX amount {$1900.00} The lender has " Returned Payment Reversal '' on the payments on XX/XX/XXXX and XX/XX/XXXX. The lender has failed to state a reason for the " Returned Payment Reversal '' The funds in my account exceed {$10000.00}, so the reason for " Returned Payment Reversal '' is unknown. 

On XX/XX/XXXX I suspected a problem with this lender and have attempted to contact by phone and was placed on a two-hour hold. And then the customer service department disconnected the call. 

ServiceMac reports " Returned Payment Reversal '', I pay these statements electronically. No funds have been returned to any accounts. Next, ServiceMac is adding a late check fee of {$150.00} and another fee of {$59.00}. ( FYI - I do not pay this account by check ). ServiceMac has failed to complete or explain any reason for my timely payments. 

My credit score is outstanding and I have never missed a payment on any of my accounts. I am very concerned about the business practices of ServiceMac , LLC. 

Can your organization help me resolve this issue with ServiceMac , LLC?

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 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had my wallet taken from my gym locker with all of my identification information. I recently reviewed my credit report and noticed that there are a bunch of fraud request from companies that I did not complete an application for. Please delete this fraud information from my credit report.

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 2022-01-16
Company: Maximus Education, LLC dba Aidvantage
State: CT
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:
I have student loans with XXXX But recently XXXX  sent my student loans to another server. XXXX has charge a lot of loans on me. I have over thousands of dollars in student loans and Im a low income student. I know XXXX is canceling student loans. Am I getting it canceled as well? Just a month ago they sent my student loans pro folio to another server. I couldnt understand why until now. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Re Citibank Branch, XXXX XXXX XXXX, XXXX XXXX CA Opening teenage son 's account - unauthorized withdrawal of his money to order deluxe checks after we explicitly said he didn't want any checks. 

On XX/XX/XXXX, I brought my XXXX year old son into Citibank to open his account so that he could have a debit card. I have been with Citibank since XX/XX/XXXX and had several accounts with them. 

When we filled out the paperwork for my son 's account which had to be a checking account for him to get a debit card, we clearly explained that we didn't want any checks for him. Despite that, the bank ordered deluxe checks for my XXXX year old and charged his account {$25.00}. 

I have been long dissatisfied with Citibank and this was the final straw that they would rob from a child 's account. On XX/XX/XXXX, I went into the branch to close all of my accounts and my son 's and get back my son 's money they took to buy checks. They dragged the process on and then told me at the end that I would have to come back after XX/XX/XXXX, to get the money as it was a third party vendor. 

I asked as it was the bank that was in the wrong in taking my son 's money in the first place, if they could draw me a check for it and they could then be reimbursed by the check vendor but they refused and insisted I would have to come back to get my son 's money.

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 2019-11-24
Company: National Credit Adjusters, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received the email without a company name or full account. Message was : The purpose of this email is to notify you that we are going to press charges against your name and social as in the next 72 hours at United States Courthouse XXXX XXXX XXXX XXXX, TX XXXX. After giving several notifications we haven't received any response or payment from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration, your current employer & major Credit Bureaus as well. 
This is our last notification to you ; kindly update us ASAP so that we can proceed accordingly.

Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around XXXX. 

Sincerely, National Credit Collections Collections & Legal Department XXXX XXXX XXXX # XXXX, XXXX, TX XXXX SSN listed is wrong. They state it is a loan/debt recovery. The stated amount due was {$760.00} transferrred on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: TN
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, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.

Company response to consumer: Closed with explanation