BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The credit information being reported is NOT accurate : 1, The date of the debt and/or collection is not correct 2. The amount of debt is not correct 3, The debt was incorrectly billed to me without my knowledge or authorization 4. Service was not delivered and/or was defective 5. Billing error - should have billed to insurance 6. Subsequently billed to insurer 7. Subsequently paid by insurer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a freeze on my credit report which should help prevent identity thief, but Transunion continues to allow inquiries into report. I have put a freeze on my report and alerted Transunion of the identity theft, but their response is always negative. Recently, I requested the removal of inquiries that were n't authorized by me, but Transunion refuses to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a credit card, I was denied my open-ended credit. I sent a certified letter to the company that was signed and has a return date of XX/XX/XXXX with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response.

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 2021-01-08
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2022-10-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These hard inquiries have been on my accounts and I do not recognize them at all, I have made multiple calls to the fraud departments at XXXX, Equifax, and XXXX however no one assisted me. I am attaching an identity theft report to this complaint. 
Hard inquires that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  ( RAN ON MY REPORT 3 times ) XXXX XXXX XXXX XXXX XXXX  Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i XXXX Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We settled with SPS Select Portfolio Servicing for a short negotiated payoff and now they are reporting the wrong information to the Credit Bureaus, this need to be changed to Paid on our reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: DC
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:
My personal information is incorrect with Equifax. They all have inaccurate personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
These hard inquiries have been on my accounts and I do not recognize them at all, I have made multiple calls to the fraud departments at Experian, XXXX, and XXXX however no one assisted me. I am attaching an identity theft report to this complaint. 
Hard inquires that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  ( RAN ON MY REPORT 3 times ) XXXX XXXX XXXX XXXX XXXX Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i XXXX Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: FRANKLIN FIRST FINANCIAL, LTD
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi I have an account with Franklin First FinancialIn Late XXXX I Paid two months mortgage payments in advance and I was instructed that to get refunded the additional payment made in error I would have to grant them access to deduct another mortgage payment which in turns means I will be immediately refunded. 
Unfortunately the last response provided from the Mortgage company is that they owe me no funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-25
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The XXXX XXXX XXXX TD Bank did not issue an electronic statement for my first statement period and charged a late fee. The statement also does not appear on my online account and is not accessible. 

I opened this account in XX/XX/XXXX and we took delivery of our furniture in XX/XX/XXXX. The first statement should have been emailed or mailed toward the end of XX/XX/XXXX. This is a zero-interest-for-XX-months-style card, but has very high interest and penalties if payments are missed or late. 

I contacted the company and the they reversed the charge, but in trying to set up recurring payments online I discovered several questionable practices on their site. 

Additionally, the XXXX XXXX XXXX TD Bank issued credit card has several issues with its payment option and information online. 

XXXX XXXX XXXX 1 ) Does not offer any information on how to mail in a payment on their website. In their FAQ and other areas has broken links to payment information ( See, under FAQs, Account Overview/Bill Payment/What should I do if I want to mail my payment but I do not receive a paper statement? This link is the only offering of a remittance address and is not active. 

2 ) Does not post statements online. 

3 ) Customer Service email address XXXX is not active. 

4 ) There is not option to make a recurring monthly payment for more than the minimum payment due. 

In my opinion, these are intentionally put in place to make payment difficult and confusing in an attempt to have more accounts default and jump into higher interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: RMS-Recovery Management Services, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've been receiving phone calls from Recovery Management Services Inc. Since XX/XX/XXXX. On XX/XX/XXXX I sent a Debt Validation letter to Recovery Management Services requesting that they send me validation of this debt and proof that they are licensed to collect in my state. They did send me validation of the debt, but no proof of licensing in the state of Michigan. After searching on my state licensing and regulations website Recovey Management Sevices Inc. did not come up. They are not licensed to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Netspend Corporation
State: CA
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:
I want to close all of my XXXX XXXX bank accounts and XXXX accounts please

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 2015-04-30
Company: ProCollect, Inc.
State: TX
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:
called me at XXXX XXXX on XXXX/XXXX/XX/XX/2015 saying that I owe {$1600.00} and I talked to the management company that filed it against me and they told me adjusted it to {$940.00}. XXXX calls me saying I have to make a payment before XXXX on XXXX/XXXX/XX/XX/2015 after the fact that I asked them to mail me something stating that balance and they refused to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would have an a problem when Identity theft on my accounts and this is one of those collection agencies then its been removed before they keep putting it back again onto my credit right now when I check it on my credit this is actually on XX/XX/XXXX and as they can look they can see the nail remover before and they put it back they remove it they put it back every time I have to be fighter making calls dealing with this I told him that was not me I am a victim of identity there for so many years and I asked to be removed this account they remove And then I come back again show

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical 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 medical Data systems reported four different collections to XXXX I made contact with them on the XXXX of XX/XX/XXXX with a female named XXXX at extension XXXX. She stated she would be mailing out my statements. On XX/XX/XXXX I made contact with XXXX she stated nine letters were mailed out on XX/XX/XXXX. Monday XX/XX/XXXX made contact with XXXX she also stated that they had been mailed out and I should be receiving them. Today is XX/XX/XXXX I still have not received anything they will not resend it unless the mail is returned to them. Each representative that I spoke with has refused to mail me my mail or my bills that was sent to XXXX they were very rude they would not even email it to me or fax it. I have disputed with the collections twice they're still stating they are unpaid. I have all spoke with others that I didn't get their names and they made the same comment that I had to wait for it to come in I don't see where mail would take 4 weeks to receive and why can't they send another copy. The collections is from XX/XX/XXXX XXXX {$2600.00} with medical center XXXX  the second one is delinquent of XX/XX/XXXX {$1400.00} from medical center XXXX  the third is delinquent of XX/XX/XXXX of {$1000.00} medical center XXXX  the 4th is delinquent from XX/XX/XXXX {$97.00} medical center XXXX  and when I spoke with one of the representatives they said they had multiple from XXXX of {$200.00} that I have no clue about. This was all due to having covid and at that time I had lost my daddy and I had no job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i contacted experian and they sent me a copy of my report file and i sent them information who i am ss number card and proof of my address from a letter i got in the mail and they still wont take this other persons name information off my report. and its on XXXX and XXXX as well i want it taken off all XXXX reports. it has a persons name of XXXX on my report im not XXXX and i never lived at a address in XXXX before of XXXX XXXX XXXX XXXX XXXX, XXXX ne XXXX i want this XXXX name and this address of my report its not my information. there is also a address of XXXX, ne XXXX and this persons name of XXXX as well on my XXXX report file number and i want that taken off too ive never lived at those addresses in my life.XXXX wont even send me a copy of my report at all because they say im not this person since XXXX peoples names are under my ss number on their credit report. my report should be empty with nothing on it since im a minor and and be blank. no other stuff should be on my report and if there is i want it taken off. i also see a XXXX bill on here and i want it taken off ive never had a phone in my name before, i cant get a copy from XXXX to see and they wont tell me on the phone when ive called. im including a copy of a letter i received in the mail with proof of address, i do not have dr license to send since i never applied for one in my life. but i did send them a copy of my ss card so they all XXXX have this information in their files. i demand for XXXX to send me a copy of my report so i can dispute items on it since these XXXX other reports have issues. i tried to attach a form to show my only address i have lived at but it wont attach it keeps giving me error.

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 2017-01-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has sent me a letter stating that they will no longer investigate my accounts even after I have sent them proof that their listings are incorrect. This is a violation of my rights under section 1681 of the FCRA and they are violating FEDERAL law. Congress states that when I notify the bureaus that they are reporting something inaccurately, they are required to investigate. When I notify them yet again that they are still incorrect, they are required to go beyond the original source of information to ascertain that the info they received is correct. Stating that this will not happen because the person processing the disputes has too many disputes and investigations to do for less than minimum wage is not my problem. 
I 'm attaching proof that XXXX does not hold the account and I have notified Experian numerous times that they are required to report this account as transferred or sold and they have not done so. I am also attaching proof that they will no longer investigate.

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 2015-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Dear Sir/madam, I have disputed an item that is illegally reported on my credit file with Eperian, But it has been over 30 days since they received a dispute letter. I have n't heard any result of investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never taken out a payday loan through ANY cash advance company. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with Speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called you for my disputed items, again for the XXXX time. I did try to call XXXX XXXX to have a settlement, but they ended up asking for XXXX. from a XXXX loan. 
like expected because why would you offer me lower amount when I'm the one calling? 
yeah Transunion should delete this account because it will be 7 years this XXXX. 


You keep telling me that these accounts are verified but XXXX XXXX couldn't even pull my account because the loan is so old. I have everything recorded on the phone where I called 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 non-monetary relief
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX CREDIT CARD, against my wishes fraudulently placed their credit card on my Experian and XXXX credit reports. This new tradeline with such a small limit adversely affected my credit score. I have demanded that XXXX XXXX close the account, which they have, however, it remains incorrectly reported as open on my credit reports.

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 2018-02-25
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Theres inquiries on my credit report that i never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CITIBANK, N.A.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received call from XXXX XXXX threatening to garnish paycheck and file complaints with licensing board against my state licenses. Amount changed 3 times during conversation from XXXX to XXXX to over XXXX. This debt is more than XXXX years old and this is the first thing I have heard from this company and they were threatening and abusive. They refused to give their names or employee ID and also refused to let me speak with a superior when she would not answer my questions. They did not have my correct information or amount of alleged debt owed. This is a predatory company and they need to be disciplined as such.

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: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the Equifax data breach and I'm almost sure that's where these erroneous accounts were accumulated.

Company response to consumer: Closed with explanation