BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: FORD MOTOR CREDIT CO.
State: AL
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:
On XX/XX/2022 I received a response from the creditor ( FORD MOTOR CREDIT ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all 3 Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: State Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First, this company ( state Collection ) is reporting multiple amounts on my credit report from the SAME medical office. XXXX XXXX XXXX is the original creditor. I have been paying them XXXX small amounts and filed for financial assistance in XXXX, and again in XXXX. NEVER heard back. The next thing you know, I see that State collection has me reported for the following amounts on my credit reports. - {$970.00} - {$610.00} - {$430.00} - {$200.00} - {$180.00} - {$150.00} - {$110.00} - {$86.00} - {$70.00} What XXXX does is they bill you one large amount on one bill. As you pay it down they apply the money to the MOST RECENT date of service then they charge off each date of service separately to make it more of a hit on your insurance. I applied for financial assistance. I am on XXXX. I am struggling. I do not need this from either State Collections or XXXX. Please investigate this as this is how they operate. I do not agree with these dollar amounts. I ased State Collection for a DETAILED statement when I got a letter from them as I did not agree with it. No response at all. Now it is all over my credit report on 9 different lines! This needs to be removed off of my credit reports and XXXX needs to respond to my financial assistance request. I am attaching a debt validation letter mailed to statewide collections on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, my neighbor was walking her dog by my house and she said she heard this guy was trying to serve me and she saw him taking pictures. I said let me do some research because I dont owe any pass debts. I said let me check my credit report and I see Midland Funding filed a case on my credit report on XX/XX/XXXX. So that means they had 3 years to sue me for a debt outside the statue of limitations. Maryland said you have a period of three years after the act which caused you the harm to file a civil lawsuit. Its XX/XX/XXXX so thats almost 4 years. My neighbor then said XXXX look like they try to take you to court on XX/XX/XXXX for a civil case in Maryland District Court. Not sure how she knew that but If that is true once again Midland violated the Statue of limitation because it now 3 years and 3 months since that last activity. No Im being harass outside the statue of limitations for a debt that I do net owe to Midland Funding. I never got any credit from them. Im not paying anybody outside the statue of limitation but I like to see the original documents where I owe them. If they have no proof of the original documents, therefore I dont owe them anything and they need to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: Peter Roberts & Associates, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I received a letter from Peter Roberts & Associates XXXX Inc stating that I owed {$990.00} to XXXX XXXX. After first disputing the debt the collection agency has continued to pursue collection on the debt even though their client has illegally failed to file the claim against my health insurance after asking them to for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Cedars Business Services, LLC
State: CA
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:
Back on XXXX XXXX my company XXXX sold 3 XXXX XXXX TVs to a customer for {$12000.00}. Payments on the same invoice were for {$9800.00}, {$1900.00} and {$970.00}. My company had to order the units from a distributor called XXXX XXXX. The transaction turned bad because it was discovered that the customer used a stolen credit card and fake identification. I, as the merchant did my due diligence to collect a signature for purchase and photo ID. 
About a week later, the credit card merchant services sent my company 3 notifications of chargebacks. They attempted to debit ( without prior notification ) {$13000.00} from my business bank account including chargeback fees. When they were unable to do so because my bank blocked the drafts they sent the account to a collections company called Cedars Business Services XXXX which threatens to hurt my personal and business credit with their actions. The first agent who made contact by email/phone was named XXXX XXXX the second XXXX XXXX, both from the same company. Mr. XXXX first made contact by phone and later that day by email XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX is failing to report my payments. I contacted Experian who contacted XXXX and nothing was resolved.

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 2017-06-27
Company: Experian Information Solutions Inc.
State: AL
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:
I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on X/XX/2017 and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the 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 2022-06-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I orders a new card with American Express and I verified that I would be given a new card number right away. Due to this I canceled my other XXXX. Then I tried to get my card number and they said unfortunately we can not help your card number and instead I must wait for it in the mail. Now I cant get groceries. They lied to me on a recorded call and it cause many issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was working on puchasing a house then this came up on my credit report. 
I was able to remove the problem from XXXX  and XXXX  its showing up on my report again this time on XXXX. 
Axcssfn/cngo Acount XXXX I have never received any information on this account. 
It shows on the credit report Charge off on 2014. Again I have never receive any phone calls or mail about this account.They are saying Balance is {$15000.00} when I lived at XXXX XXXX XXXX XXXX your identity. I did call my anttorney XXXX XXXX XXXX he tryed to call and get this worked out and had no luck. 
if this was me why would someone from the company call me to work this out or to let me know I was late with the paymenst I never received a call or mail on this account.ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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: Their investigation did not fix an error on your report

Complaint:
My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXXt and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper XXXX off.

It is within my rights under the FCRA to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You 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 2022-06-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Social Security Payments, Personal Injury Payments from XXXX not calculated correctly, Improper use of my Credit Report, Federal Investigator issues a Charge of Discrimination which has been Signed and under that practice employment agency violated HIPAA And State Medical Laws which violate as two Exhibits to Medical Malpractice. 
Banks should have been given notice of Superior Court and Supreme Court Trials and XXXX failed to Pay for Services Resulting in Office of Civil Rights Issues. The only person that was suppose to be in the classroom was XXXX XXXX XXXX XXXX XXXX otherwise Personal Health Information would be questioned, Classroom Behaviors by other people in the area that day were strange, they were strange everyday because not one person prepared the CFPB reports because they were sneaking off to Local Court Chamber Areas to Filibuster, and the campus was suppose to be closed in 1993. Everyone blamed the fire as a XXXX attack and this whole experience has been overwhelming. please Freeze Central Intelligence Agency and Federal Bureau of Investigation Banking since they have failed to follow CPA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
On XXXX/XXXX/XXXX, my American Express ( AMEX ) account was charged for a purchase I did not authorize. AMEX allowed a purchase to be made in the amount {$840.00}. The charge was for a software subscription from XXXX XXXX. I was not contacted by AMEX which is my request that I always be notified of a transaction that is large ( $ ) and any transaction where my card is not present. For every transaction that I have made on my account AMEX abides by my wishes-except in this case. I have disputed it since XXXX and each dispute has terminated with AMEX accepting the XXXX argument that this is a subscription and they have my card number. The card number used is not my card number. The person named as the subscriber is " XXXX ''. That is not my name. AMEX continues to ask me to resolve the matter with XXXX XXXX. I can not. I have no status with XXXX, and I can not get past their initial screen with a PIN since I do not have a subscription to this software. In fact, it seems nobody does. " XXXX '' is unreachable. My ability to handle this matter is stifled by AMEX 's inability to accept my arguments and my inability to deal with XXXX sales to try to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Green Trust Cash, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I originally borrowed money from Greentrust Cash because I was in a pinch - I believe the original amount was {$500.00} - I was aware that it was higher than average interest rate but was led to believe that at least some of the money was going towards the principal - I was also unaware that this type of loan is not legal in Pennsylvania and that the state is suing companies that hide behind the tribal law. I continued to have financial difficulty and in XXXX I still owed {$570.00} - I asked for help with arbitrating a settlement after receiving threatening emails and calls - I received on on XXXX stating they would use all my info to contact me and proceeded to call my place of work and state who they were - they also stated then that my amount was now {$800.00} - I continued to try and have this account negotiated and 9 months later they still have not -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put a freeze on my credit report in XX/XX/2017. I have tried several times to remove it. I get the run around. Yesterday I tried again. I did the automated questions and again at the end they came up and said to call a number. I called the number and the same guy seems to answer and every time he makes me do the questions again and then says I have to send in my drivers license and social security card by fax. My husband and I are trying to get a VA home refinance and have to have this opened. It is EQUIFAX in Georgia. My other 2 credit reporting agencys are unfrozen. It seems like they have something on my account and it jerks me around everytime I try to do this. Its been at least 4 times I have tried to remover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 15USC 1681section602A States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my 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 2017-10-17
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX. As I always do when checking in I tell the person at the desk that I can only see doctors that are in network with my insurance. They had me on a stretcher in the hallway and a doctor walked up to me and introduced himself as XXXX XXXX. I asked if he was in network with my insurance, XXXX XXXX, he told me no so I refused to be seen by him. I called the number on the invoice that I received from his office and explained that he did not treat me as I had refused treatment. I assumed it was over and they had adjusted their records. About 7 months later I start receiving phone calls from XXXX debt XXXX. I attempted to explain the situation several different times and was greeted with condescending remarks and threats of jail. I was screamed at, cursed at, threatened and harassed repeatedly. To this day I still receive phone calls which I do not answer. This has caused me severe anxiety for which I have had to start seeing a XXXX and get put on medicine. I pray that you can do something to help me and to prevent them from mistreating other people in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are spoofing their number now they do it alot but now they are using a XXXX  number or spoofing that they are XXXX but from Georgia and I am in California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: FREEDOM FINANCIAL NETWORK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted the Company FREEDOM DEBT RELIEF to help me settle with XXXX XX/XX/XXXX because I had lost my income and I fell behind on paying my credit card monthly statement. FREEDOM DEBT RELIEF informed me that they could help me cut the debt in half by settling with XXXX on what I owed them which was about 5000 dollars but after paying FREEDOM DEBT RELIEF XXXX every two weeks for about eleven months, they did not try to settle with XXXX XX/XX/XXXX until I called to ask why. Then I found out about all the fees that I had accrued over the eleven months that I was not made aware of that added up to more than I would have paid if I would have just paid the debt off myself. I am very Disappointed with the FREEDOM DEBT RELIEF COMPANY and I know I can not get my money back from them until I pay all the exorbitant fees that they have added on. I have paid them over {$3400.00} dollars when to settle with XXXX was about 2800. I offered to pay them the {$1000.00} they said that I owed them to settle with XXXX XXXX  at the end of this year but they said I would have to pay them close to {$2000.00} with the other fees that they have added.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. 

1. XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 2. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 3. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 4. XXXX XXXX XXXXXXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 5. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 5. XXXX XXXX ( XXXX ) XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX 6. XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. 
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. 
Transunion and XXXX have deleted and removed the fraudulent accounts at this time.

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