BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-14
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received XXXX services at a hospital in XX/XX/XXXX. Around XX/XX/XXXX, I discovered a collection account on my credit report from XXXX. I immediately contacted them, and we uncovered that the bill for services had been incorrectly sent to the hospital 's address, rather than my own. They reissued the bill for {$51.00} correctly and stated that the account would be withdrawn from collections and my credit report fixed. I then promptly paid the bill. Over the next several months through XX/XX/XXXX I repeatedly inquired from both creditor and collection agency why the collection account has not been closed and why my credit report had not been collected. Both parties assured me it was being would be taken care of, but over the course of six months it remained open and the untrue damaging information remained on my credit report. As I write this on XX/XX/XXXX, the open collections account is still on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX, {$2000.00} was sent to an account that Never provided any service. Unfortunately I was scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I recently filed a complaint with the CFPB informing them that the credit reporting agencies are reporting inaccurate information. Within that complaint I mentioned that WESTLAKE FINANCIAL SERVI XXXX was reporting a couple of late payments for the months that I paid on time. I should not have any late payments with this company. I requested that they be contacted and made aware of these errors so that they can correct and update the payment history. Somehow, in the midst of doing so, this account was deleted form my credit report. I specifically typed in my complaint " please do not delete this account ''. By this accounts being deleted, my credit score dropped, and the length of my credit history has shortened. I have be unable to obtain new credit. Reading is fundamental, and due to the someone's mistake, I would like for WESTLAKE FINANCIAL SERVI XXXX to begin furnishing information onto my credit report again, as long as they fix the errors. Here are the corrections that need to be made. WESTLAKE FINANCIAL SERVI XXXX. I have written this creditor and have not received a response. XXXX of XXXX *Shows 30 days late, but I paid on time. XXXX of XXXX * Shows 30 days late, but I paid on time. This creditor is also reporting two months of unknown payment history for months that I paid on time ; XXXX of XXXX *Shows unknown, but I paid on time. XXXX of XXXX *Shows unknown, but I paid on time. Please have the creditor correct the payment history of as soon as possible. Thank you so much for your help with this, and please make sure I receive a copy of my consumer report upon completion reflecting the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Information belongs to someone else

Complaint:
It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$6700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2015-08-14
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has false information on my credit report. I had XXXX credit card with this bank back in XX/XX/XXXX. I have not had any credit with them since. I filed bankruptcy against this credit card, in XX/XX/XXXX.they say I have other existing accounts that I owe them. and this is false info.Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Accelerated Creditors Services, Inc
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was XXXX and on my XXXX I visited XXXX and as a XXXX there is a co-pay paid up front of {$35.00}. This was paid and I received medical services. I went back to XXXX from my XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in 2012, I ran my credit report and saw an XXXX bill and paid the {$70.00} on XXXX XXXX 2012 ... from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations , XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX XXXX year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with XXXX under XXXX XXXX XXXX, XXXX. XXXX stated they called XXXX to have them remove immediately, yet XXXX is still showing as a collection and a balance due of {$70.00} with ACS and not XXXX.XXXX is not using due diligence and is ignoring both me and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Credit Corp Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a phone call from XXXX XXXX from Credit Corp Solutions Inc. ( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) from XXXX Utah. XXXX said if I did n't pay the debt I owed he would refer me to their pre legal or legal department. Pasted below is the email Dear XXXX XXXX, Attached is the Validation Notice for the XXXX XXXX account which was mailed to you. 
I have also attached the statements we have received from XXXX XXXX. 

The account has an outstanding balance of {$3200.00} Due to non-payment this account has been reviewed and has been flagged to be forwarded to our Pre-Legal Department. 
I have a limited time to work with you to attempt to understand your capacity and intentions towards resolving this account before making a determination as to whether your account should be escalated to our Pre-Legal Department. 

As I had discussed with you earlier today your account has been flagged to move forward through the collections process. I have a short time to work with you to prevent this from moving further. 
Today I will be in the office until XXXX MST or XXXX EST. 
I can be reached directly at XXXX or toll free at : XXXX ext XXXX. 
Our website is www.creditcorpsolutionsinc.com. 



Yours faithfully, XXXX XXXX Customer Relationship Manager Credit Corp Solutions Inc . 

( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) Tel : XXXX DL : XXXX Fax : XXXX As you can see XXXX XXXX has threatened to refer me to his prelegal department in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts # : 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 all violated my rights.

15 U.S.C 1681 section 602 A. States 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 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

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 2016-12-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EQUIFAX allowed 50 credit inquiries from various and same car loan companies to obtain information on my credit report without my permission. I have requested EQUIFAX to remove these inquiries and they have failed to respond or remove the inquiries. Its illegal to obtain a persons credit report without their permission 56 inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i reviewed a copy of my credit report and notice a collection from an unknown company, i never received any information from them and never had any type of agreement or service with them. I never authorized anyone to share any type of information on my behalf with them. I mailed a letter asking why are they reporting anything without my written consent as well to recieve a copy of their license that authorize Any reporting in my state. I also asked for any contract bering my wet original signature. Its been over 30 days and i have not heard anything neither has it been removed from my credit file. I asked if they are reporting on another companies behalf that the account is sent back to that company because i never agreed for my information to be shared

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
reached to company explained that I didn't know about debt and it wasn't mine. Dispute open with all creditors. 
Professional Debt Mediation {$9400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I attempted to send my documents and dispute online. with Equifax. I was unable to because the security questions did not match my information. When speaking to an agent on the phone, the agent became confused and switched my name, so that my last name is now my first name and my first name is now my last name. I am also now married with a different last name, which has only added to the confusion. I have gotten several emails indicating that my dispute is completed and I can check the status. All my attempts to check the status of my dispute have been unsuccessful, I believe because of these discrepancies of information. I only have until XXXX/XXXX/16 to check the status. I have checked my credit score through XXXX XXXX. Equifax is the only bureau still showing that my XXXX judgements have not been removed. I have legal documents to support that the judgements were paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Services Company, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Toll Free : ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau : XXXX XXXX, XXXX Re : Case number XXXX In response to your letter dated XXXX XXXX, XXXX, the above named credit company is once again ( after the passage of over one year ) harassing me with threatening letters. These letters are documents nearly entirely in XXXX, though I speak XXXX. 

These letters attempt to prove that I did not experience coercion and predatory consumer manipulation when a doctors office in network for me suggested that I have an elective ( non-necessary ) procedure, and that they would make all the necessary arrangements for me to have this invasive out-patient procedure at XXXX of their sister facilities. 

As indicated repeatedly in previous letters, not once in all the interactions with this doctors office or the institution that repeatedly contacted me, was any notice given, nor advice or " Full Disclosure '' carried out by any of the parties involved ; that they were - in fact, outside my insurance network and therefore cause certain patients financial hardships - even if referred by the physician in question here. They have an ethical, moral and fiduciary responsibly to their patients to provide safe, effective, and fully informed and consented care to the patients they treat and collect remuneration from. 

In your latest letter, you indicated that you were unable to contact said credit company for lack of domicile, etc. Please note above that I have corrected in full the information you require ; including a toll-free phone number and the previously missing XXXX number. 

I hope that this additional documentation will assist you in pressing my compliant and my cause to its ' rightful conclusion with this predatory organization. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.

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 2015-05-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I called 5th 3rd bank to see if I was included in the Auto Lending Enforcement. I was told that this is only for the state of Ohio and I was n't included in the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan with Santander that opened in XXXX of 2011. It was a 72 month loan expiring this month. I had XXXX deferments on this loan in 6 years. My original balance was {$18000.00}. After 70 payments of {$400.00}, my balance is XXXX. This means I paid {$28000.00} towards an original balance of {$18000.00} only to pay {$7000.00} of that balance. 
Running the numbers, It will take another 10 years to pay the remaining balance. I will be paying more than {$60000.00} for an {$18000.00} vehicle. This is much worse than a pawn shop or a payday loan. 

My choices appear to be file a bankruptcy after which Santander will take this vehicle and sell it to another sucker who will have 20 years of payments on a vehicle that may last a year. Santander will get {$120000.00} on a vehicle that costs less than $ XXXX. Or I can pay on it for another 10 or more years. This ca n't be legal in any sense ... there can not be a legal, ethical or human precedent that allows a corporation to encumber a person for the rest of their natural life with payments. 
I am signing the right for you to share this. I know that CFPB has successfully forced the credit bureaus to pay XXXX thousands of dollars for wrongs they did to consumers. I trust you can do the same to Santander who forces people into poverty by making them pay for a vehicle for the rest of their natural lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Portfolio Recovery, acct #  XXXX  is reporting derogatory on my credit. I am now working with an attorney.  XXXX   XXXX  is the original owner of this debt but reporting falsely as  XXXX . This account was included in my chapter  XXXX  bankruptcy and need to be deleted fr.om my file immediately or I am forced to sue. My chapter  XXXX  bankruptcy has been discharged effective   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a notice on XX/XX/20 saying that my checking account was closed and that I needed to transfer {$4.00} to cover an overdrawn balance. Fine, I was closing this account anyway so I transferred {$5.00}, the minimum my bank would allow, to settle this balance. This left {$1.00} in the closed account. However, Citi continued to charge a $ 30 monthly service fee, followed by a {$34.00} overdraft fee the following day. When I asked customer service they stated they don't send emails like that and that Citi would never close an account with the customers ' request, this is untrue.

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 monetary relief
Consumer complaint received 2017-01-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.

Company response to consumer: Closed with explanation