BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-23
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ended up at this practice, XXXX XXXX, because of its great reviews, but didnt know Id end up with the surgeon who I later found out had all of the bad reviews associated with the practice. They also went out of their way to hide the bad reviews. 

XXXX was the credit card suggested by the business. XXXX immediately suspected fraud and wouldnt allow XXXX XXXX or XXXX XXXX to make the charge. I, wanting no problems with the doctor with my care in his hands, sided with the practice and told XXXX that they were trust worthy, vouching for them against XXXX research. I didnt know at the time that the business was actually closed. 

XXXX XXXX failed to answer many questions before XXXX and never showed me what was to be done. There was no use of markers on my body or anything pre-op to give me a general idea. Instead, it seems he just went in and made decisions as he went. He seeemed to continue this practice post-op, taking vacations shortly after my XXXX and even appointing someone else to remove my XXXX  because he wasnt present. 

After a very short amount of time it was clear what he did was clearly a botched XXXX, but dismissed my claims early on and told me to wait 9 months before talk of corrections. He would repeatedly dismiss all of my concerns saying youre young, youre healthy, dont worry. By the time 9 months came, he had been fired from the practice I saw him at. 

Im now left with what the practice concludes is a XXXX and a XXXX. I had many complications in my XXXX area, including an XXXX  that had found its way through my XXXX muscles. I had no idea and it could have been found early had XXXX XXXX and XXXX XXXX himself followed up with the post operation care I should have gotten. I paid for XXXX and follow up and got a mediocre XXXX with minimal follow up. 

I paid the majority of the debt but refuse to pay for the rest. I told XXXX that they were right and paid them the part for the XXXX but didnt pay for the follow ups I never got. They continue to call and sent me to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I refinanced my rental home and my loan was sold to XXXX XXXX on XXXX XXXX,2017. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month of XXXX 2017. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error 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 2017-07-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I refinanced my rental home and my loan was sold to XXXX XXXX on XX/XX/XXXX. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month ofXX/XX/XXXX. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Aspen Yo LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During this pandemic I found myself asking for a forbearance with the mortgage company I had at the time, which was XXXX XXXX. Before the three months was up, XXXX XXXX sold the loan to Gregory Funding LLC. The dates involved are XXXX, XXXX, and XXXX of XXXX. From XX/XX/XXXX up till XXXX of XXXX, I was paying on time. I was not able to pay XX/XX/XXXX, which made me then 4 months total behind. I have since gotten another forbearance from XXXX and have been paying the mortgage every month since then. I have spoken with several people at XXXX and XXXX operator XXXX, who I spoke with today, Friday XX/XX/XXXX. I was asking if they could put the four months on the back of the loan of which she informed me that they are not doing anymore deferments at this time. I have been asking all along if I could have the 4 months put on the end but to no avail. My escrow is very high, and I really need help with this matter. They are also saying the I owe almost XXXX, when I know that there was not supposed to be any interest accrued during the forbearance months. Now my last forbearance is up on the XXXX, of this month, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
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: Account information incorrect

Complaint:
Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-15
Company: Experian Information Solutions Inc.
State: IL
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 fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 sections 602 A. States I have the right to privacy. 

15 U.S.C 1681 sections 604 A sections 2 : its 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 explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: IL
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 fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 sections 602 A. States I have the right to privacy. 

15 U.S.C 1681 sections 604 A sections 2 : its also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 sections 602 A. States I have the right to privacy. 

15 U.S.C 1681 sections 604 A sections 2 : its 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 2022-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXXt Account  XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to XXXX XXXX XXXX that they have broken the law of reporting late payments to XXXX WITHOUT my written consent. They could not verify the alleged debt and the XXXX are all reporting something different on this account. I have reached out to the CEO of XXXX as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.

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 2020-01-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received repeated phone calls from a blocked number. They finally left a message and asked me to call a phone number. They even called a family member and stated I was being taken to court. When I called the number back, I spoke with someone who said she was with XXXX XXXX  and I was being sued for a debt from 2015. She had some personal information of mine including my social security number, but the bank account she mentioned as not mine. I never had an account with that bank. She said I was going to be taken to court if I didn't pay today. I told her I would not do anything over the phone, that she would need to send something in the mail. At this point she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I recently received a copy of my Credit report ( XXXX, & XXXX ). The credit report showed several credit inquiry from syncb by your company that I absolutely ( DID NOT AUTHORIZE ). I understand that you shouldnt be allowed to put an inquiry on my report unless authorized to do so. 
I have an alert that when credit is authorized, that I am to be called via phone. I had contacted the company to request an investigation which has yielded no reponse or action initiated. I requested any and all photo identification and signature submitted to the company, yet no response or investigation. I did not apply for credit with this company. 
XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, FL 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 2022-06-15
Company: CBC Companies, Inc.
State: SC
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:
XX/XX/2022, I recieved a letter from Innovis Consumer Assistance XX/XX/2022. I highlighted the statement Innovis requested from me. I have attached the documents Innovis Consumer Assistance has requested to block the fraudulent information. I also mailed Innovis Consumer Assistance, XXXX XXXX XXXX, XXXX, GA XXXX - Certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
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: Account status incorrect

Complaint:
On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.

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 2022-01-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to XXXX XXXX XXXX that they have broken the law of reporting late payments to CRAs WITHOUT my written consent. They could not verify the alleged debt and the CRAs are all reporting something different on this account. I have reached out to the CEO of XXXX as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.

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 2020-03-02
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Simmons bank has purchased XXXX XXXX in XXXX Mo. They will not answer their phones or any type of internet communications. This bank is slow slow and very inconvenient to work with. This bank needs to be investigated so we can get the proper service we require.

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 2019-10-21
Company: The Law Offices of Mitchell D. Bluhm & Associates
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:
There was a debt placed on my social security number for a money I dont owe. I moved to the United States on XX/XX/XXXX. The debt is from XXXX. The company never called me or provided explanation of why this amount of money was put on my social security number. The debt collector company goes under MBA law firm on Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: VA
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 Act XXXX XXXX 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 an 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 explanation
Consumer complaint received 2022-06-15
Company: Maximus Education, LLC dba Aidvantage
State: NJ
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:
Only the holder of the original note can collect on the debt that exists on the instrument. If you did not sell this instrument I need you to produce it. If you did sell my instrument you should have contacted me to inform me. Your company is furnishing an account to my consumer report without my permission. I am requesting the original document and physical proof one exists that gives your company permission to furnish this account to my consumer report. This document must be a bilateral contract between your company and my self that gives your company permission to furnish this debt on my consumer report. You must prove that I am the obligated party for repayment to you or delete this account from my consumer report. Providing a statement that you have an agreement with another company and not me is not sufficient proof that I owe your company anything. Continuing to furnish this account to my consumer report without providing the requested information is FRAUD and a violation of my consumer rights and I will not hesitate to bring legal action against you.

Company response to consumer: Closed with explanation