BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
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 belongs to someone else

Complaint:
XXXX XXXX, AC # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2017-05-30
Company: EQUIFAX, INC.
State: OH
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:
Im a victim of identity theft, and this company has refused to follow the laws set out in the fair credit reporting act and block this information from appearing on my credit file. To add insult to injury, they claim to have verified the information despite them being the one who alerted me to my identity theft in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dear Sir/Madam, XXXX ( healthcareinc ) is attempting to collect a debt. Their tactics are either laughably incompetent or connivingly sinister in their methods. 
I received a letter of collection from them that clearly stated how to pay. I WILL NOT REGISTER with them or call them, I believe every transaction and communication should be documented in writing. 
When attempting to pay at XXXX XXXX XXXX I was unable to do so. The account number had ambiguous text or numbers, and even what looks like capitalized and lower case letters. After trying every single possible variation ( even improbable ones ), I came to the conclusion that they do not want you to be able to pay using their " Want To Pay Without Enrolling?, One-Time Payment '' option. Interestingly, there is NO WAY to contact them by email or messaging. Please try to connect to their website with the information on the letter they sent me, I'm sure you'll find it to be impossible. If this company has the ability to place a derogatory mark on one 's credit history, then some minimal level of competence should be met, otherwise it SHOULD BE ILLEGAL!

I shudder to think what additional information they may have and in what ways they may be misusing them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a bankruptcy in 2016 that was discharged in XXXX 2016. at the time my loan was serviced by XXXX. I have never reaffirmed the debt. My loan was transferred to Freedom Mortgage XXXX 2016. Freedom Mortgage is reporting the mortgage as a current debt on my credit report. Since the mortgage was discharged and I am no longer responsible for the debt it should not be reported on any of the credit bureaus. I tried to resolve this with the credit bureaus directly and they said they could not remove anything since Freedom Mortgage is the company responsible for reporting to the bureaus. This is a violation of Bankruptcy Law.

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 2020-01-15
Company: Harley Davidson Financial Services Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My daughter and I both purchased Harley Davidson gift cards as XXXX gifts for my son. When my son went to the Harley store to use his gift cards, 2 of the 6 cards would not work. We have called XXXX  and Harley and have been told that XXXX ( a third party company ) is responsible for making it right. We have called and emailed XXXX, sent them copies of the 2 cards and the receipts for the cards and XXXX responded by telling my son that they were aware of an issue but " would not refund the money ''. We paid {$25.00} per gift card and still have all of the proof of purchase. We either want WORKING cards or a full refund! This is fraud and is unacceptable!! XXXX is located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO XXXX. Phone : XXXX. Email : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: MN
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:
I am a victim of identity theft. I been receiving death threats, threats of been sent to jail or prison, harassing, profane and abusive telephone calls from XXXX in regards to a debt of {$560.00}. The XXXX credit card account is a fraudulent account and not my account. The debt is not my debt. I did not apply for a XXXX XXXX credit card account. The account is a fraudulent account and is not my account or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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: Information belongs to someone else

Complaint:
" I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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 2016-10-18
Company: Diversified Adjustment Service, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Diversified Adjustment Service , Inc. is attempting to collect on a debt that I owe with XXXX XXXX. I mailed a letter directly to XXXX XXXX on XXXX/XXXX/2016 asking if I can settle the debt and have the trade line removed from my credit report. Diversified Adjustment Service, Inc mailed a letter asking for a 50 percent settlement. I want to know if I settle the debt could XXXX and the Collection Agency remove the trade line from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to restructure my mortgage for an affordable payment with Wells Fargo for years. They continue to stall and delay working out a favorable solution. I heard from Senator XXXX XXXX office who is attempting to assist me and they said Wells Fargo told them I have qualified for a restructuring with an interest rate of 3.75 % and a mortgage payment of {$960.00} a month. My previous payment was {$910.00} a month. When I started this process I was looking for a lower, more affordable payment. If I can not afford a {$910.00} a month payment how can I be expected to afford {$960.00}? 
Wells Fargo refused to negotiate with me when the market was down and my house only appraised at {$88.00} but now that the market has recovered they are trying to extort as much as they can from me. 
They are calculating this payment on my current income however I will be loosing my XXXX payments of {$1500.00} a month in XXXX and I start repaying my student loans in XXXX. 
There are several affordable payment options they could use to get me a {$700.00} a month payment but they refuse to even consider them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this is a fraudulent account that's reporting to my credit report that do not belong to me. I do not recognize it, nor did I authorize it, Can you please delete and block the following fraudulentinformation from my credit report. 
XXXX XXXX XXXX Acct : # XXXX Amount {$480.00} XX/XX/21 Ive spoke with the credit bureau and they have told me to supply them with the account number and they would remove this fraudulent account from my credit report. XXXX XXXX XXXX is reporting this fraudulent account to my credit with knee way of even validating the debt. 
*See Attached*

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my account in full a couple of years ago. The company reported the exact same debt twice on my credit report and refuses to fix it ( original debt was with XXXX  ). They told me to dispute it and they'd allow me to remove it that way, but when i disputed, they just verified the debt and didn't remove it. My credit dropped 60 points and I'm currently under contract to buy a home!!! This is so unfair!!!!

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 2022-06-18
Company: MS SERVICES LLC
State: UT
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:
There were XXXX duplicate collection accounts placed on my credit report in XXXX 2022. The reporting agency used a different name to report duplicate collections that have the same account numbers and amounts. I feel like this is frivolous and fictitious and is damaging to my credit. Ive been denied a loan due to this. Ive disputed twice once in XX/XX/2022 and once in XXXX 2022. The items remain on my report. Ive contacted the reporting agency on XX/XX/2022 and have not resolved the issue. I would like these removed from my report and them held liable for their misconduct. The company is MS Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: IN
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:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I went to one of the Home Depot location in XXXX XXXX XXXX to purchase materials for a fence and patio enclosure project. While checking out, the cashier suggested that I apply for a Home Depot credit card to take advantage of 12 months 0 % interest promotion. I applied, application was approved and I funded the project through the card. Ive made on time payments and was NEVER late. On XX/XX/XXXX I called to payoff my balance in full but was told my balance that was {$2000.00} had increased to {$4200.00} due to backdated interest. 

Ive never in my life heard of such condition when it comes to promotional interest. Like all bank credit cards, I was under the impression at the end of the promotional period Ill be charged on interest on the current balance not on what the balance was before I paid it down. The problem with this is that the cashiers are instructed to push these cards without providing proper explanation to customers ( not their fault ). In banking, When a banker or credit card specialist have a customer apply for a credit card, theyre required to provide the proper disclosures and go over the terms of the card before customer agrees to move forward with the application. Why isnt Home Depot held to the same standard when it comes to their cashiers selling/recommending their credit cards? 

Finally, after many failed attempts in trying to work with Citi/Home Depot to pay off my balance without the ridiculous amount of backdated interest, the card was charged off and sent to collections. I settled the account on XX/XX/XXXX to bring it to 0.

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 2020-01-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not file bankruptcy in Texas because I live in Virginia, I disputed XXXX, Equifax, and XXXX  by submitting my husband 's military PCS orders, proof of residency since 2010, driver 's license, a letter from Texas court stating they did not give any of the credit agencies any documents that bankruptcy was filed, and a letter from XXXX XXXX stating that they investigated this with Texas court and did not find proof of a filed bankruptcy. I also file a FTC report with little assistance or feedback of removing the bankruptcy from the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I applied for an apartment and got denied due to charges from a previous apartment that I was co-applicant on back in XXXX being on my credit. I never received any notice from the apartment complex, not the collection agency in regards to thee charges. Needless to say, these charges have now accumulated almost {$2000.00} in fees with this collection agency. I contacted the collection agency ( the apartment that ran my credit gave me ) to find out from their representative that they show in my file that I was never contacted and they never tried to contact me. My phone number has not changed. The address they have on file is my mother 's address, which I have been home to see on numerous occasions and had no mail from neither the apartment complex, nor collection agency. So, the collection sends me a break down of the charges. The dates and fees do not make any sense. If I gave notice on XX/XX/XXXX, and my move out date was XX/XX/XXXX, why are there legal fees charged to the account on XX/XX/XXXX. There are charges of written fee and certified letter ( that was never sent cause collections already confirmed that no one tried to contact me ). Also, there are charges for water for XX/XX/XXXX, rent ( vacant rent charge ), washer/dryer, and trash removal for XX/XX/XXXX. How are these charges legal charges when notice was given on XX/XX/XXXX for move out on XX/XX/XXXX. Now they are stating that if I pay half of these charges, they will give me a letter stating that I am paying so I can give to the apartment complex I am trying to get into now, but these charges are not truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Asset Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I initially filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/XXXX, complaint # XXXX, but despite the fact that XXXX XXXX is listed on my consumer reports, they referred me to a company called Asset Recovery Solutions , LLC. 

My consumer rights are still being violated at this time because I have no knowledge of or contract with these companies! The Privacy Act of XXXX  is being pursued. This is a violation of my privacy because my personal identifying information is being transferred between companies without my consent. Such behavior is prohibited under 18 USC 894. These companies are using my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have opened an account on Gemini and uploaded my ID. Verification is pending for about two weeks. For me, it is a very unpleasant situation, I needed to trade crypto and now I have to wait. This is so unprofessional, I can see many people have the same issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Collection Information Bureau, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation