BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-20
Company: Key Management Company of Missouri, LLC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have inquiry alerts through my bank. On XXXX XXXX, XXXX, i received a inquiry alert fromt Banner Finance, DBA Commerce Finance XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas had done a hard inquiry. I had a Signiture loan back in XXXX, that was paid. I contact Corporate XXXX Banner Finance and spoke to Secretary XXXX. I ask why was a inquiry done on my behalf, if i had not applied for a line of credit now. She responded that they have the right to collect old debt. So again second inquiry done on XXXX XXXX, XXXX. I believe this Company is unlawfully using my SS # for wrong business. They have never contacted me by phone or by mail. I believe its fraudulent on what is being done. I am requesting for those inquiries to be removed from my credit reporting. Your immediate attention is needed., Thanks Concern Consumer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have as of today received a reporting on my XXXX report for the total amount of {$840.00} from Commonwealth Finance for a medical bill that was deleted over 5 years ago ( I Have proof of when they did this on XXXX ). They keep reselling or re-aging every 2 years or so and reporting this to all bureaus and damaging my credit on in-validated debt. I have proof of previous deletions. This needs to stop and not take over 30 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is XXXX XXXX. My credit report states I have a charge of {$420.00} from Commonwealth Financial system. ( CFSI Acct # : XXXX ). On XXXX/XXXX/2015 I contacted them. I called XXXX XXXX XXXX ext XXXX. They could n't figure out where this charge came from. They said to contact XXXX XXXX XXXX at XXXX. They could n't figure out where the charge came either. They even searched my social security. They asked me to try Integrity at XXXX to see if they can help. 
Nobody can find it. Can you help me figure out how to get this removed from my credit report. Thank you for taking the time to help me figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, XXXX XXXXi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: PA
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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Staring in XXXX XXXX, I was issued a new Banana Republic XXXX XXXX Card issued by Synchrony Bank as my old card was cancelled due to fraudulent activity. I had been diligently paying the balance on this old card. I was also paying the balance on the new card, but by my mistake, I accidentally sent the payments to the old, cancelled account number, meaning that the bank was getting payments but not applying it to any balance. The bank did not contact me about this error or do anything to rectify it, in effect just keeping the 'free ' payments I was sending them without applying it to any account. The payments I was meaning to apply towards my new card I was mistakenly making towards the old card until XXXX XXXX. The bank was notified by me in XXXX XXXX about these misapplied payments and was told that this would be investigated and the payments would be re-posted to the new account and that this should be resolved in 4 weeks. I waited until XXXX XXXX and the issue was not resolved, and I kept receiving statements from the bank for money that I had already paid. I called the bank again several times and was told that there is an investigation and that it would be resolved in a few weeks. I have called several times again, recently on XXXX XXXX, XXXX and was told the same thing. This issue has caused my credit score to drop significantly as a negative factor was placed on my credit score noting that the card was paid " 60 days late '' although I was paying the bank on time to the old credit card and the bank has done nothing to rectify the issue.

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 2016-07-08
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have made numerous attempts to have the company give me service provided, dates of service, patient, etc. No information has been given to me and now I am facing a judgment XXXX XXXX, 2016 for this.

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 2020-04-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I reached out to this company in regards to my XXXX XXXX XXXX XXXXXXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.

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 2020-04-11
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: Account status incorrect

Complaint:
I reached out to this company in regards to my XXXX XXXX XXXX XXXXXXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
please help me to come to a resolution in this matter, i have been a victim of ID theft and several accounts have been used on my behalf, i have already disputed this matter with all XXXX credit bureaus but so far no help from their end, i will be attaching my police report that i have inquired from XXXX XXXX police department along with the FTC application. 
please follow this issue with them thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I had Home Equity line loan from Wells Fargo, which was discharged through Bankruptcy Chapter XXXX, Bankruptcy was filed in XXXX and discharged in XXXX. Wells Fargo is reporting it to the Credit Reporting Companies after the bankruptcy discharge date in XXXX. The last reporting date is XXXX. This is negatively impacting my ability to secure Re-financing of my house. Reporting after the discharge date should be deleted from my credit reports. However, they can report it before the discharge date in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is not reporting accurate information on my credit report. My credit history is not being reported correctly. I made a payment with XXXX XXXX services in XXXX and Experian is not reporting there was any payment made in XX/XX/2016. There is literally nothing being reported for XX/XX/2016 as if I did not make a payment. I would like my payment history updated for XXXX XXXX XXXX. I received an email from Experian stating the dispute is complete, however they are reporting the same information. Experian is not providing correct information on my payment history and this will be the last dispute prior to filing a civil lawsuit. How many times do I need to submit a dispute to correct information on my credit report and nothing happens. No one takes the time to investigate. How hard is it to report there was a payment made in XX/XX/2016? I would like my report updated with accurate information or remove this account from my credit profile.

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 2015-07-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I have made the reservation for hotel using SYNCHRONY BANK/Sam 's Club XXXX. 
Hotel charged me amount that double the amount of reservation. I provided this information to Credit Card Customer Service, the reservation confirmation with the amount and Email from the hotel acknowledging that they made a mistake XXXX Hotel never gave me a credit for this amount ). I have received the letter from SYNCHRONY Bank with excuse that they can not enforce the Hotel to refund overcharged amount. " Each merchant determines their cancellation and/or return policy ''. I did not cancel or return anything. The amount of charge is twice the amount on reservation. 
They closed the case and said to me that Hotel has right to charge me any amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-12
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter dated XXXX/XXXX/XXXX for " XXXX XXXX '' in the amount of {$870.00}. This debt is not mine, I never enrolled into this college. I filed a claim with the CFPB XXXX in XXXX and received this response from Ability Recovery for this account : " I have requested that the XXXX XXXX account be removed from your credit report and I have accordingly closed the account here at Ability Recovery Services. If you need anything further please feel free to contact me at XXXX XXXX. Thank You XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/2012 I was in an ATV accident and went to XXXX XXXX XXXX hospital XXXX in XXXX, XXXX. After returning home almost a year later I was contacted by a collection agency that said I owed money for my medical bills. I have XXXX XXXX XXXX XXXX health insurance. The amount of one of the debts is {$690.00} and the other is {$540.00} and the collection agency said that I owed the money to XXXX which was not part of XXXX XXXX XXXX hospital. Upon finding out this information I called my health insurance agency and had a three way conversation with the collection agency and my health insurance representative, which stated that the bill was " not reported in a timely manor and the contract that XXXX has with the providers states that if the bill is not reported in a timely manor that the patient is not responsible for the bill. '' The collection agency ( commonwealth financial based out of XXXX, XXXX ) stated that they would resolve the situation and then transferred my XXXX XXXX representative to XXXX at which time the XXXX representative stated that the XXXX representative was correct and the debt would be expunged. Since then I have been contacted twice from common wealth financial trying to collect the debt and have went through the process both times again. I have just recently went to get a mortgage loan to find on my credit report that the Common wealth financial is still reporting that I have not paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company during a phone conversation asked me for personal information like birthdate and Social Security Number. What is unethical is that I was told by the mortgage representative we were speaking on a secured line. I am a XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the phone line is NOT secured. This practice is performed by many financial institutions and they really need to adopt a hybrid approach of getting the information. Like having the applicant go to a secure online site to provide the requested PII. This practice of telling people they are talking on a secured line is one of the reasons people have their identities stolen. Please, please change this horrible practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Paramount Recovery Systems, L.P.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The collection agency Paramount Recovery has ILLEGALLY re-aged a collection they are in possession of. That is a direct and serious violation of FCRA. I've already disputed the problem with XXXX and XXXX. I am now submitting a formal complaint about it. I don't have any documentation to support my claims. But I will say I haven't been in or lived in Florida in over 5 years, the original creditor is winter haven hospital which is in Florida and on my credit it shows the account opened XXXX of this year 2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-07-23
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I intially opened up a " '' Guitar Center '' ' store credit card and purchaed a few items such as Microphones and Recording gear for my hime studio. 

What has been so extremely frustrated is and it has been a rather lwngthy time ago 9-12+ months for example. 

I called the XXXX or XXXX dumber and paid the full remaining bance ( incuding a applicable late fees ). 

I called them directly and mentioned I 'd like to pay off the remaining balance in full. Something like $ XXXX- {$450.00} perhaps in the middle. 

The rep reassured me everything has been handled and I now have a {$0.00} bance which was the purlose of calling to settle it. 

The gentlemen confirmed you have paid the balance in full. I even asked him 3 times. 

At its its root the problem is, is they still say I owe a balance and havent purchased anything, yet I keel getting bills. 

If they could simply pull the date of my final payment and physically pull the call ( essentially mayching final payment with the date ). It will clearly show firsthand that the rep said I was now paid in full! 

I need this to be removed from my report, not that it was late, which it was, but the balance had and has been paid XXXX % in full as the balance commensurate the orecise date I caled in and paid them would reflect that. 

I need this off my report and my # XXXX ... please pull the callor at minimum look at the last amount/date of final payment whuch I called in and provided my debit card over them phone will reflect the conversation on that date. Id enckurage you to listen to the call .thanks, 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 2021-12-19
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2021 I submitted a multi-item dispute via mail thru the USPS. The credit reporting agency replied to my correspondence stating that the disputed items were verified. On XX/XX/XXXX I wrote to the credit reporting agency ( see attached letter ), again, citing the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states, a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit reporting agency failed to reply within 14 days after receiving the request and they also failed to provide the information requested as outlined by the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 14 days after receiving a request from the consumer for that description.

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 2022-10-15
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Carter-Young Inc sent a debt collection in XXXX of 2021 in the amount of {$390.00}. I've never heard from this company and they never reached out me about such a debt collection matter. The worse part about the situation is they reported to the credit agency without my knowledge and it was just as I was about to close escrow on my new build house. This credit reporting severely affected my credit score and costed me thousands with a higher interest rate from mortgage company. I've still not heard from them to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
FRANKLIN COLLECTIONS ' SV HAS VIOLATED MY RIGHTS AS A CONSUMER DEBT NOT MIND SENT A LETTER 'CERTIFIED MAIL, REQUEST VERIFICATION VALIDATION, LETTER DATED XX/XX/2020 SIGN CONTRACT STATEMENTS FRANKLIN COLLECTION 'SV NEVER COMPLIED WITH LETTER AND STATED THEY DO NOT HAVE THE ORIGINAL CONTRACT AND SIGNATURE VIOLATED MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is trying to collect a debt from a power company in PA on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XXXX XXXX, 2016 ) to Experian and they are refusing to change the report. I have told both Experian, XXXX XXXX XXXX and XXXX XXXX that i no longer owned the house.

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