BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.

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 2022-12-20
Company: Shellpoint Partners, LLC
State: IN
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 Newrez-Shellpoint Account # XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

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

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review

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 2022-12-20
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty and perjury under the laws of the XXXX XXXX, if executed outside of the XXXX XXXX that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX XXXX to file this dispute. I also understand that knowing and willfull misstatements or omissions of material facts constitutes a XXXX XXXX XXXX punishable under 18 U.S.C. 1001. 
Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and Transunion removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.

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 2023-03-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to request that you correct inaccurate information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with accuracy and fairness, and I request that you investigate and correct the following inaccuracies on my credit report : Name : The following name is incorrect and should be removed : XXXX, XXXX XXXX, XXXX XXXX, XXXX Also Known As : XXXX XXXX The correct name is : XXXX XXXX XXXX Generational Identifier : Year of Birth : XXXX Addresses : The following addresses are incorrect and should be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following address should be added : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX Employers : The following employers are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employer should be added : XXXX XXXX Please investigate these inaccuracies and correct my credit report as necessary. Failure to correct inaccurate information would be in direct violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This address is listed on my credit report. I have never lived in the state of Texas. 
XXXX XXXX XXXX XXXX XXXX TEXAS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft

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 2017-12-14
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not served any court summons, I am amazed how they obtained a judgment without me being served the notice to appear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
YOUR COMPLAINT I paid my debt to XXXX XXXX in XXXX to XXXX. I called them and verified that all debts were paid. Balanced Healthcare receivables & XXXX XXXX XXXX XXXX sent two claims stating a balance due to collections. When contacting the hospital they are saying that I did not owe anything. Notified the collections company. I feel this is fraud by either the hospital working with the collections companies. 

I worked with XXXX XXXX  in creating payment agreements to pay my bills. Attached are screenshots and verification of payment, documentation of XXXX balance Company 's Response ( Balanced Healthcare receivables , llc ) BHRLLC reached out to our client to confirm the balances in our office. Our client XXXX XXXX reviewed and they are showing the same balances that we have in our office, they have requested any additional information the patient might have. We have the accounts as disputed in our office. Clients review : XXXX XXXX XX/XX/XXXX {$340.00} : Per the EOB, patient responsibility is {$1000.00} and shows a total of {$650.00} paid leaving {$340.00} balance. XXXX XXXX XX/XX/XXXX {$520.00} : Per the EOB, patient responsibility is {$1000.00} and shows a total of {$470.00} paid leaving {$520.00} balance. XXXX XXXX XX/XX/XXXX {$400.00} : Per the EOB, patient responsibility is {$400.00}, and no payments posted to date. 

What I have found out in addition? 
XXXX XXXX does not exist! We do not have a hospital with that name in XXXX, Fl. Documents received look very shady, no contact information is visible. 

XXXX XXXX suffered a databreach in XXXX https : XXXX I think this is fraud being claimed. I'm also contacting XXXX XXXX security team regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was Racially profiled by Bank of America and they closed my account. I deposited a check into my bank of america bank account on XX/XX/2022 via the ATM the amount of the check was XXXX after placing several holds on the XXXX Bank of America closed my account citing that the Check was Counterfeit after several attempts to resolve the issue with bank XXXX by going into the branch and presented Check Stub and XXXX form Bank of America still insisted that the Check was Fraudulent and closed my account. Which inccured injury to me because my insurance, Car payment and bills were do to come out of that account and Also a XXXX check of {$700.00} for XXXX XXXX was also suppose to go into that account. Because the Check was Valid there is no other reason for them to not clear the check and close my account other than the fact that I'm a 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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2022-10-31
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX  daughter was admitted to XXXXXXXX XXXX XXXX XXXX ( the `` Provider '' ), a hospital that is in-network with my insurance company ( XXXX ) for observation following an XXXXXXXX XXXX visit. After her discharge, I received a bill for the full cost of the services provided ( {$6200.00} ), without reflecting the agreed-upon rate with my insurer. I was informed by my insurance company that I was not responsible for that amount because I visited an in-network provider. On multiple occasions, I informed the Provider that I was not responsible for the full amount and they should contact my insurance company to properly process any bills. 

In a joint conference call between myself, the Provider, and a representative from XXXX, the Provider was again informed that they should refrain from sending me balance bills and should instead address any billing issues with my insurer. Once again, the Provider was informed the same in a XX/XX/2022 letter from XXXX. 

Instead, the XXXXXXXX XXXX XXXXXXXX XXXX, in violation of their agreement with XXXX, improperly reported the matter to a collections agency, Celentano, Stadtmauer & WalentowiczXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: SC
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:
In reviewing my report from Experian, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Experian automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : XXXXXXXX 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 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 Open Account XXXX XXXX XXXX XXXX XXXXXXXX - please remove inaccurate late payments and update to paid as agreed ; Collection Account - XXXX  XXXX XXXX, Account XXXX XXXX XXXX please delete. not my account. I do not know who this information belongs, but it is not 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 2022-10-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a transfer request for {$15000.00} from my Webster Bank/XXXX XXXX savings to my XXXX XXXX  XXXX XXXX XX/XX/XXXX, after verifying XXXX XXXX  deposits made to my XXXX account. On XX/XX/XXXX I received a message that the transfer was blocked by security and they requested a copy of my DL and bank statement, even though I had already verified my account per policy. I sent a copy of my DL and bank information the same day. They then asked for additional documents on XX/XX/XXXX. I sent them the same day. On XX/XX/XXXX, the {$15000.00} transfer was debited from my account. Today is XX/XX/XXXX and the funds are still not in my XXXX account. I called and spoke to customer service on XX/XX/XXXX after waiting more than an hour, and the rep indicated the transfer request was approved and the funds should be showing up within a couple business days. The funds are still not in my XXXX account. I called again today XX/XX/XXXX and the hold times were over XXXX hr XXXX mins. I have spent XXXX hours on the phone attempting to get this resolved. I finally was able to get in touch with another representative, who informed me that " the documentation you sent in is still under review '', however the funds were already debited from my savings on XX/XX/XXXX. After being placed on hold for over XXXX mins, the rep disconnected my call and I was transferred to a survey. My funds are still in limbo and I have yet to see them deposited to my XXXX account. This is in violation with the Federal Funds availability act, Reg CC. I am not earning interest on my funds because they have now been debited from my account, however Webster Bank has still not sent them to my bank for deposit, 11 days after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 'm former account holder with Chase, I say former because over the past 3 years all my accounts at Chase ( checking / savings / credit card ) have been jacked four times - very interesting that only my accounts with Chase have been affected, none of my other accounts with other financial institution have been ever affected. 
Anyhow, On XXXX XXXX my Chase Freedom Account was part of a fraudulent scheme yet again ( over XXXX funds transfer / point redemption, etc. ). I went to the nearest branch, reported the activity - I asked to closed the account permanently, they informed me that they could only change cards that I would have to call customer service to close the account permanently. I did call customer service I requested to close the account permanently, I paid the balance on the account AND asked the representative that what would happen with the points that were pending to be redeemed once the account was closed, I was informed that I would be receiving a check for the cash amount once the balance on the account was paid. 
I just called today XXXX XXXX to make sure the payment was received ; in fact, it was received, I asked again for the pending points to be redeemed I am told this time that since the account was closed permanently I lose those points. I find it ridiculous that their AMAZING customer service reps are not presenting the facts clears to clients. I went to the office branch again and I 'm told they can help because I 'm not a client anymore. 
I 've sent several emails to customer service and no one has contacted me back. expect my points to be converted to cash and be paid out as the first customer service rep told me over the phone on XXXX XXXX. After dealing with several fraud episodes at Chase over the past 4 years this is an unacceptable behavior and disastrous customers service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: WA
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 account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
Experian has reported incorrect information on my credit report. Affecting my credit score XXXX points and my balance amounts ( XXXX XXXX XXXX XXXX XXXX ). That has now caused my family and I to take a financial decline. 
It is causing me to miss work opportunities and investments. 

I have filed a police report. 
Experian is reporting accounts that aren't being properly reported nor validating information accurately. Then, later correcting the error. Still causing a negative XXXX points to impact my FICO score. Which I the consumer have yet to recover from. 

Currently, EXPERIAN is reporting another fraudulent account. 


account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX has acknowledged that the account they obtained with my personal information was fraud and closed it on their end along with not reporting. Yet, are still selling my information to collectors. 
This debt that XXXX now sold to XXXX XXXX XXXX to collect a debt that XXXX created/allowed illegally!

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 2023-07-18
Company: EQUIFAX, 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:
This issue has been going on since XX/XX/2023. All of the credit bureaus and XXXX are doing illegal things. Per 15 usc 1681 b as a consumer, If i did not give any company or bureau permission to furnish any of my information then it must be removed. The information thats reporting is false as well. I will give you all 30 more days to reinvestigate these matters correctly so that the issue can be resolved once and for all or else I would have to seek legal action pronto!

Company response to consumer: Closed with non-monetary relief