BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'd recieved a call from number XXXX, there was no message left and the call disconnected before I could answer - this call came at XXXX XXXX the Monday after I'd contacted my XXXX XXXX representation. The VA 'd assured me my medical debt was cleared and I have no outstanding bills, it'd seem like the debt collector isn't doing things on the level and someone is trying to scam military vets. 
After I'd spoken with the VA Friday about HRRG sending me a letter saying that I have an outstanding medical debt, the VA representative said that the account the debt collector was referencing was paid a d closed in XXXX, but I've received letters and constant robo-calls from people threatening me with legal action. My debt was sold to HRRG was by XXXX XXXX XXXX And HRRG sent me a letter in XXXX saying my debt would be forwarded to ARS Account Resolution - another branch of HRRG. This shouldn't be possible since the VA confirmed that charity care was applied to cover that balance in XXXX. I'm asking please put an end to the calls and letters being sent since the balance was paid and I'm absolutely upset that the first Monday morning I'm called by debt collectors when just last Friday I'd had two VA reps verify that the claim was no longer open since the debt was paid. There's something strange about XXXX XXXX calling and hanging up before anyone has a chance to answer and I'm not going to call back in the event that they'll try phishing for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested Citizens Bank remove the escrow account from my mortgage on XX/XX/XXXX. 
I paid to have them appraise my property to remove the PMI insurance in XX/XX/XXXX. XXXX established my XXXX to be 64 %. Value {$410000.00} and loan balance {$260000.00}. 

The requirement to remove XXXX or Escrow is 80 % XXXX. On XX/XX/XXXX Citizens Bank sent me a letter rejecting my requested to remove the Escrow account. I called and the outbound message indicated 1hour hold time to get to representative. I finally got in touch with a supervisor XXXX XXXX contact number XXXX. She told me the XXXX to remove the escrow uses an XXXX based on the original value and the current loan balance. She told me I needed to pay down the loan by {$11000.00} and they would remove it. So I scraped together all my savings and paid it over the phone with her processing the payment. She promised me she would get the requested processed and completed. That was on XX/XX/XXXX I have a confirmation letter from Citizen Bank. I have called XXXX no less then 30 times and she informs me nothing has been done. I Have done everything they asked of me. It has been 3months since this started. I have all the documentation to support the above summary. Please get them to release my escrow account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Rent Recovery Solutions
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:
Company : Rent recovery solutions Date : XX/XX/2019 XXXX In accordance with The Fair Credit Reporting Act XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent this 4 times to XXXX, Transunion and XXXX regarding my identity theft record. They continue to give me the run around! I have called several times and nothing. They purposely do nothing with this information and it is continuously adversely effecting 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 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My signature was forged on fraudulent activities in my account this happened in 2019 from what the report says. They ended up closing my account resulting in me not having an account with them anymore.

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 2021-01-06
Company: EQUIFAX, INC.
State: NY
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:
From XX/XX/XXXX until the current day there have been addresses listed on my consumer report which are not my former address. My address is XXXX XXXX XXXX, XXXX, NY XXXX. I am a victim of violent XX/XX/XXXX XXXX, a crime resulting in permanent disfigurement. The address which has been listed on my report has been altered countless times and the address which is protected by state law in my state has been the same since XXXX. Each time I dispute the address which keeps getting added back as my former address, someone is adding it back immediately even before the normal time of a dispute processing. I am being severely harassed and abused by the credit and other person who keeps adding this address back. The person and persons who caused the permanent disfigurement are laughing and take pleasure in stalking me through the credit reporting agency. They are also stalking my child who is under the age of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Kriya Capital, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am trying to get my home refinanced and on my credit report it showed i owed XXXX XXXX almost {$900.00} from XXXX of XXXX. I called XXXX directly and they stated they did not have an account under my name and could not find anything with the last of my social or birthday. They said they could not help me but to go to a XXXXXXXX store XXXX I went to the one in XXXX, they stated they were a 3rd party XXXX  store and could not help me I would have to go to XXXX Tx or XXXX NM . to file fraud paperwork. They then stated to call the people who had me with the negative report on my credit. I called them Credence Management ( they are debt collectors ) I spoke to a man and i could not understand him very well as he had a thick accent, he then transferred me to his supervisor XXXX which also had a very thick accent and was quite upset over the bill not being paid. He finally gave me the account number that he was wanting payment on and the account number is XXXX of a XXXX account that was from XXXX not XXXX of XXXX. Credence Management number is XXXX XXXX XXXX it is a New Mexico number but i think the company is based out of the United states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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:
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.

has violated my rights. Or list of inquiries 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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2020 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its past 30 days and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately 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 explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score 17 point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score 17 points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 2022-10-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'd recieved a call from number XXXX, there was no message left and the call disconnected before I could answer - this call came at XXXX XXXX  the XXXX  after I'd contacted my XXXX XXXX representation. The VA XXXX assured me my medical debt was cleared and I have no outstanding bills, it'd seem like the debt collector isn't doing things on the level and someone is trying to scam military vets. 
After I'd spoken with the VA XXXX  about HRRG sending me a letter saying that I have an outstanding medical debt, the VA representative said that the account the debt collector was referencing was paid a d closed in XXXX, but I've received letters and constant robo-calls from people threatening me with legal action. My debt was sold to HRRG was by XXXX XXXX XXXX And HRRG sent me a letter in XXXX saying my debt would be forwarded to ARS Account Resolution - another branch of HRRG. This shouldn't be possible since the VA confirmed that charity care was applied to cover that balance in XXXX. I'm asking please put an end to the calls and letters being sent since the balance was paid and I'm absolutely upset that the first Monday morning I'm called by debt collectors when just last Friday I'd had two VA reps verify that the claim was no longer open since the debt was paid. There's something strange about XXXX XXXX calling and hanging up before anyone has a chance to answer and I'm not going to call back in the event that they'll try phishing for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XXXX2021 XXXX Received Electronically a payment in the amount of XXXX, as of XXXXXXXX2021 XXXX reported my account as 30 days late to the credit bureaus and had not posted the payment. 

As of XXXX2021 the payment still has not be processed, my bank has reached out my banks payment processor has reached out multiple time to XXXX without response.

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 2023-06-30
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is a fraudulent address listed on all XXXX credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all XXXX credit bureaus and my credit reports.

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 2019-02-14
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi. I have a student loan ( XXXX ) that was recently transferred from XXXX to XXXX XXXX XXXX last year. 

I send my payments to them through XXXX Bill Pay ( electronic transfer ). I pay {$70.00} a month. On XX/XX/XXXX I received my paper statement in the mail that said I had not made a XXXX payment. I immediately contacted the company, as in fact, I had made the payment on XX/XX/XXXX through XXXX Bill Pay. After several calls and being bounced around by multiple people who claimed there was nothing they could do if it was not showing on my account ( and a representative who hung up on me ), I finally spoke with someone who said they could submit a ticket to accounting for review. I told them to place my account on hold while they investigated so I would not have to make payments in the interim. As you can imagine, I did not want to send money to a company who lost my money. At this time I also emailed them the Proof of Payment from my bank. I am attaching the proof of payment and complete email string of this communication. 

After not hearing back from the company, I called to follow up on XX/XX/XXXX. They told me there was no update and it was still under review. I again stated that I wanted everything noted on my file and that I did not want to be sent to collections/credit bureaus for a payment I had made. I then repeated that the understanding I have is that I will not be making payments until this is resolved. I also asked them to verify that the collection paper letter I had received was not meaning I was being sent to collections/credit bureaus. The woman told me they were unable to stop the paper letter, but I had nothing to worry about with credit bureaus/collections. 

On XX/XX/XXXX I was alerted that there was activity on my credit report by a monitoring service I have. I saw that it was from XXXX. I sent them an email immediately. They responded that it was still in review ( on attached email ). 

Today, XX/XX/XXXX I contacted them and XXXX again to find out what I can do about this. I need help. I made my payment on time. I made a subsequent payment of XXXX amounts due today because I can't keep holding on sending them payments and ruining my credit. This is unacceptable. I need help. I desperately need you to help me so this company does not mismanage my money and then destroy my credit that I've worked so hard to get. Please. Please. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, 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 XXXX XXXX recently reviewed my credit report and I found unauthorized number wrong accounts listed on records etc will be attached in files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-09-22
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:
Improper use of credit. There is a unauthorized inquiry that I did not consent.

Inquiry needs to be removed immediately.

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-03-30
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Opened a personal account with PAYPAL, entered all info, confirmed my email address then went to apply for a card, to access my account, a debit card, after doing so I got a nasty email saying my account was restricted and fraudulent etc. I confirmed my email, no other information was requested so how is it fraudulent?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: PA
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. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.

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