BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: TX
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}

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 2023-11-17
Company: EQUIFAX, INC.
State: AZ
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:
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. I notice an Account under my consumer report which I do not recognize. This account was opened fraudulently. XXXX XXXX is not mine please delete and investigate immediately. It 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  is an account that fails to meet the industry standard for accurate reporting and this is an account I don't recognize. First, there is no reporting whatsoever coming from XXXX as this is a falsely reported account and was already taken deleted by them. Second, I see no evidence of a XXXX XXXX XXXX XXXX on my record so from my understanding from speaking with Experiand and XXXX representatives this could be a Mixed or Merged file. Third, the payment status for XXXX remarks current and the payment status for Experian remarks Wage Earner Plan? Fourth, the date last active states XX/XX/XXXX for Experian and XX/XX/XXXX. Fifth, there is inconsistent reporting for Date of Last payment with it being blank on Experian and then reporting XX/XX/XXXX for XXXX. The two-year payment history is absolutely inconsistent as well. Ultimately, I have sent numerous correspondence on this item with no followup. Please see enclosed screenshots below.

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 2022-10-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I was called on my cell phone by a Wells Fargo bank number the person talking to me on the phone said there had been possible fraudulent charges on my account and would like to go over them with me I complied He then sent me verification codes labeled wells fargo like they do when I talk to the bank about this type of happing in the past. Then after that he went over charges that were not done by me and some that were ie XXXX XXXX to fill my truck at the local gas station that morning he then had me punch in a number on my phone that I now know forwarded my number somewhere else we got dissconnected after that. after I tried calling to get back to him with no prevail the day went on a few hrs and I realized what had happened and that I was not getting any incoming calls I then called the local wells Fargo branch XXXX XXXX mn told them that my account had been compromised and that I needed it frozen they then told me I had to be there in person to do so but I had nothing to worry about. At this time I was working an XXXX  away I then left the job site drove to the branch talked with a banker who then took all the info about the situation called their fraud dept I then talked with that dept over the phone who told me they would refund my unauthorized XXXX, XXXX $ wire transfer and I would see the funds in 7-10 business days well I got a letter 7days later stating they would not refund the money as I allowed the transaction or that it could have been me. 
I then went back to the branch talked with the branch manager told him all of this again and he typed up a official complaint that got me the exact same result they will not refund me any of the money because they said I did it well that couldn't be more true or devastating to me they didn't even have the decency to call or email me to ask any more questions or hear my side more that once this is a lot of money to me and I feel absolutely violated. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello I had a american express card since XXXX they unfairly canceled my card on XX/XX/XXXX i was charged a yearly fee on XX/XX/XXXX of XXXX Now with the cancellation of the card by the merchant i am entitled for a refund of the yearly membership fee for the 10 months they cancelled Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is in regards to a Late Payment Dispute for XXXX XXXX XXXX Credit Card. My credit report shows a 30 day past due payment on XX/XX/XXXX for this account. Per my Statement attachment, this is incorrect. A payment was due on XX/XX/XXXX and made on XX/XX/XXXX. There was an interruption in the auto-pay which is why there was a few day delay in payment ( not 30 days ) and why the late charge was refunded. 

I also called XXXX customer service on the week of XX/XX/XXXX and confirmed this with a customer service representative as well as an escalations manager. There is no 30 day late payment in their system, all payments are shown as on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: SANTANDER HOLDINGS USA, 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: Old information reappears or never goes away

Complaint:
My account was sold to collections which I have already paid off and they have already removed their self off my credit report this account only appears on one of my credit reports even thou it was sold off reports inaccurate information on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Attached you will find a brief history of my complaint and correspondence with several government officials. I filed a complaint with CFPB in XXXX and it has been since closed without resolve. The complaint is attached. I was swindled by Sallie Mae and Navient regarding XXXX. I spoke with them about eligibility for XXXX in XXXX and they have conveniently notated that we spoke " several times throughout XXXX regarding benefit incentives that were or were not available on her consolidation loan '' but did not provide me with accurate information to consolidate using the proper loan for eligibility. They told me to simply continue paying the loans and as we approach XXXX, there would be additional information. When I applied for XXXX in XXXX, I was denied and told that I'd been in the wrong loan program, that I would have to reconsolidate and pay an additional XXXX payments! DEVASTATING! I've reached out to CFPB ( including XXXX XXXX XXXX, Department of Education, Navient, NC Attorney General XXXX XXXX, NC XXXX XXXX XXXX, former NC XXXX Governor XXXX XXXX, Congresswoman XXXX XXXX, and multiple advocacy groups. The strongest consumer protection agency has, to this point, chosen not to protect me or the rest of the borrowers preyed upon by government-contracted lenders. The public servants who are supposed to hear, serve, and advocate, continue to overlook the cries of fellow public servants who were promised loan forgiveness. I am desperate for the new administration to receive this complaint and, in cooperation with the thousands of like complaints, move to forgive these debts. This has truly been government-organized racketeering. My initial loans were {$55000.00}. Since beginning my repayment plan in XXXX, my current balance remains {$53000.00}. When and where is that ethical?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: AL
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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: RICHLAND HOLDINGS, INC.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, XXXX became my primary health insurer, and XXXX XXXX  XXXX became my secondary health insurer. Since that time, these two insurers have paid 100 % of all my medical costs, with no copay required. On or before XXXX, XXXX, I was a patient at the XXXX Hospital in XXXX XXXX, Nv. During that period, I was allegedly attended to by a doctor from the XXXX XXXX XXXX XXXX, I was in a XXXX, and remained in that condition for a period of ten days. 
It was the responsibility of the attending physician and/or XXXX XXXX XXXX XXXX to obtain my insurance information from XXXX Hospital. They had it because the information was in my wallet, and bill the insurance companies. The fact that XXXX XXXX XXXX XXXX contractual agreement with XXXX XXXX which doesnt provide for XXXX to provide them with patients insurance information is a serious flaw in that agreement, which I have no responsibility for. XXXX XXXX XXXX XXXX has a standard billing practice like every other hospital, doctors office and medical clinic in the United States of America. 
Obtain patient medical insurance before treatment is administered. Collect any co-payment due from the patient before treatment Bill the patients Insurers for the balance due.In this case, XXXX XXXX XXXX XXXX negligently failed to comply with its own standardized billing practice.XXXX XXXX XXXX XXXX had several other available viable options to obtain my insurance information. First, they could have called me at the XXXX Hospital and left a voice message if I was still in a coma. Secondly, they could have sent me a letter to me at the XXXX Hospital requesting such. Thirdly, they could have contacted the hospital social worker and informed that person to obtain the information or have me contact them. None of these options were exercised, which led to the none payment of this bill. Subsequently XXXX XXXX XXXX XXXX XXXX XXXX XXXX has referred this matter pertaining to this {$450.00} bill to the ACCTCORP of Southern Nevada for collection, which has resulted in a negative entry on my credit report. I would like to point out that XXXX Hospital and all outside attending physicians were paid in full because they followed standard billing procedures.

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 2021-03-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX of XXXX, I bought a brand new XXXX XXXX XXXX XXXX bike in California from a dealership. I financed XXXX of the dirt bike through their loan company. XXXX XXXX. XXXX XXXX did not require any insurance on the dirt bike for the loan because it is an off highway vehicle only. 

Sometime during XXXX of XXXX XXXX XXXX went out of business and Fifth Third Bank took over the loan. I was unaware of this and did not receive any mail, email, or phone calls. They collected my auto payments. When Fifth Third bank took over the loan they immediately added forced insurance on the loan. I have been contacting them multiple times and get different answers every time. They won't tell me when the added the insurance, and give me answers like " maybe, most likely, I think. '' My Balance is incorrect and I would have been willing to add my own insurance if I was given the option. 

I have tried to work this out with Fifth Third bank but get a different person every time who contradicts the previous person. I am not allowed to see any of this information online. I was told by a supervisor that if I got my own insurance and called back that they would remove their forced insurance. I immediately got my own insurance. I was then called back by a different person and told this was false information. 

Please hep, I would just like the balance corrected, the payments corrected and my own insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
ExperianXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom may concern, The only information attached to my profile should be as stated above or on the attached legal documents. Any other NAMES, ADDRESSES, EMPLOYERS, SOCIAL NUMBERS, must be removed and deleted for they are not accurate.

You are in direct violation of the Fair Credit Reporting Act, the following accounts have violated several of my rights. 

Accounts : XXXX XXXX  : XXXX - This account is being reported with 5 Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 


XXXX XXXX XXXX  : XXXX - This account is being reported with 3 Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is closed, but is reporting a 30 day Late payment. Update to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is inaccurate. It is closed but reported as settled for less than balance, and reported with late payment. The account was disputed and sent back as verified. Under US Consumer Code I am obligated to see the method of verification in writing with my written signature stating this is true. You have 30 days to provide me this information or you must delete Immediately!

15 U.S.C 1681 section 602 A : Clearly states that I have the right to privacy.

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

15 U.S.C 1666 B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


Remove the late payments from the accounts above as demanded, and remove the other two accounts from the consumer report entirely as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-03-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX I sent in credit disputes to XXXXand Equifax. In the disputes I listed the XXXX XXXX XXXX XXXX Account that the Bureaus have listed on my credit profile. I stated in my dispute letter that this account was not mine. As you can see from my attachments, the account info that these 2 bureaus have listed does not match the account that belonged to me. 
Equifax has an account that ends with XXXX and XXXX has an account that starts with XXXX. 
As you can see from the invoice for my XXXX Account the Account number doesn't end with a XXXX and it doesn't start with a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Of the several bills in dispute, most were paid. I agreed verbally to XXXX XXXX to pay charges of XXXX and XXXX in installments, and did, in fact make payments of {$120.00} and {$170.00}, respectively, on the bill-pay site given to me by this representative. In doing so, I discovered an un-billed amount of {$440.00}, and I contacted her again, by e-mail, asking to have a bill sent, in order to ascertain the nature of this un-billed, and therefore unknown amount. She again agreed to send the bill, but it was not received. I called another time to ask about this amount, and was told I would be receiving a bill. I have yet to receive any bill in the amount of {$440.00}, but have since received a letter from a bill collector, claiming to collect on original amounts of {$920.00} and {$370.00}, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, even after I made the aforementioned payments to XXXX and XXXX on the bill-pay site indicated by XXXX XXXX XXXX asked AGAIN for the {$440.00} bill, and even made another {$100.00} payment on the original {$370.00} amount ( reducing it to {$200.00} ), in a show of good faith- which I so stated to this representative, who on this latest occasion began to talk over me in a fast manner, forcing me to allow her to finish before I could begin to explain that I had already begun making payments AS I HAD AGREED on our previous call. There was no reason to place any of these amounts in collection status because I had already agreed to pay them, they were in active payment status, and I had actually made payments on the amounts for which I had already received bills. The only amount I did not touch was the {$440.00}, but I had never said I would not pay it - only that I had yet to receive any bill in that amount, and would not pay it until I received such a bill- which was promised to me on two occasions, but which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account names XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXXXXXX XXXX XXXX ( XXXX ) acct number XXXX Original Creditor acct number XXXX All accounts have violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 it also states a consumer 's 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 my consumer report containing other than records of convictions of crimes

Company response to consumer: Closed with explanation