BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing this letter to dispute a debt that XXXX XXXX XXXX XXXX erroneously sent to a collection agency for a procedure that was paid in full on the day of service. Their inaccurate reporting has caused a negative impact on my credit, and I am requesting that XXXX XXXX XXXX XXXX update their billing records to reflect the payment that was received and to have this charge removed from ALL credit bureaus as soon as possible. 
My daughters, XXXX, were seen on XXXX XX/XX/2021, for routine sports physicals. The cost was {$85.00} for each physical ; therefore, bring the total bill to {$170.00}. 
Enclosed, are documents to support my request : ( a ) A copy of the debt collection letter ( b ) The final clinical report from XXXX XXXX XXXX XXXX at XXXX XXXX ( XXXX ) The receipt of payment to show that this service was PAID IN FULL on the day of ( d ) Copy of my bank statement Additionally, my mother, XXXX and daughter, XXXX have received collection letters regarding this debt. I kindly ask that if this is reported on their credit report, it be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My minor son was robbed at gun point and was forced to make ATM and XXXX transactions for {$4400.00} against his will on XX/XX/2019. I contact the police and provided evidence proving he was robbed. Bank of America and XXXX XXXX XXXX responded to him and I saying we were responsible for fraud and closed the account. I reached out to the Bank of America and XXXX XXXX XXXX again on XXXX XXXX, asking them to reopen the case for review, and as of this date we have not received a response from Bank of America. This incident has affected me. I am a victim not a criminal. As of this date, I still have an active account with Bank of America with all access. However, Bank of America have notified other banks not to bank with me. I have been with this Bank of America for at least 10 years and is currently using this bank now.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This property is not affiliated with me. This is trust property. Remove this from my credit reports. This is my third time giving you all notice to not share my information with third parties.

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 2023-07-09
Company: Experian Information Solutions Inc.
State: GA
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 opened an account with XXXX XXXX. Paid a {$90.00} program fee to open the account. First premier sent credit card to wrong address and when I called to advise that I havent received a car and advised my correct address again, they sent out the new card but it had charges on card from the previous card that was used in fraud. I disputed the charges and they refused to take them off. How can I make charges on a card I havent received yet. The charges maxed out credit limit and I refuse to pay fraud charges on a brand new card that were made prior to me receiving the physical card. The account was closed as a result. I am asking for my program fee back and for this credit account to be removed from credit file. Negligence on behalf of XXXX XXXX to conduct a thorough investigation and remove fraud charges

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 2022-07-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Over the last year I have been disputing with these 3 companies about the accuracy of my consumer report. Over the year I have been letting them know the laws that they have been violating. As a consumer they are violating a number of my consumer rights. According to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have no been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : 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.

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 2022-03-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax, overnight, has removed EVERY account from my credit report with them. I now have zero accounts of any kind showing on my Equifax credit report. They removed 25 accounts of all types ( revolving, mortgage, loans, etc. ). I have called them multiple times to try and fix this and they keep coming up with excuses as to why it is my fault. None of the other credit reporting companies have done this. My credit score went from XXXX to XXXX overnight with Equifax and they show me having zero credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ my checking account information was stolen and used to withdraw several XXXX dollars from my account. I did not receive any notification indicating that suspicious activity was taking place and found over 20 pending electronic withdrawals with amounts ranging from XXXX to XXXX dollars. I made a police report describing the unauthorized withdrawals and then called chase bank 's fraud department to make a claim. I informed them of the unauthorized withdrawals and they stated that will be receiving a call from their fraud department within 24hrs of the initial claim. I never received that phone call. I called back asking when I would be receiving the temporary credit and when the investigation will be finished. I got several different answers over the next three to four phone calls that I had to make due to their lack of effort and interest in their customers. Over the exchanges on the phone, I had stated the urgency of this being handled in a timely manner due to my plan of moving cross country in less than two weeks before the fraud had taken place. I needed that money so that I could make my trip and start my new job on time. It could not have been more difficult to get a consistent answer from the multitude of Chase Bank employees. Ultimately I received a credit for the money that had been taken from my account however Chase had stated that it is a temporary credit and that a member of the fraud investigation department would be contacting me. I never received that phone call. However, they did decide, without any notice, to reverse the credited money and not honor the claim that I had made. I intend to close my account with Chase Bank and let everyone I personally know that they do not have the customer 's best interest in mind when it comes to matters of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: PA
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 found unauthorized inquiries on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit reporting agencies to review these inquiries ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to deleted the following inquiries information on my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : 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 2020-06-16
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 years ago I purchased XXXX in my apartment complex and paid for the installation fee and all fees that applied. My apartment complex notified me shortly after we could not have a dish in my location and I was unaware. I called XXXX and explained the situation and at the time they were very understanding and I had a XXXX balance. I turned in all boxes and remotes and got XXXX cable shortly after. Come to find out this collection on my credit report shows up recently 2 years after and they said it was from XXXX. I explained the situation and they said rudely we dont care just pay your bills. Very unprofessional and I just couldnt believe 2 years later they are being this unprofessional when I truly wanted the service but was unable to carry them on my property. This was never about paying a bill. They charged me XXXX for an early cancellation fee even though they assured me this wouldnt happen. 
Solution- I would like this false charge removed from my credit report immediately and for them to conduct good business. This is definitely an unfair charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards ContacXXXX info Address XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! 

XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER

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 2020-06-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
around XXXX Suntrust bank closed my account. they refused to tell me why. they have given me the runaround for months. there was XXXX dollars in the account at closure. further more my stimuls check has been sent to the same account. suntrust took the stimulus money without sending notice back that the account had been closed. in total suntrust owe me XXXX dollars.

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 2019-08-07
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called NATIONWIDE RECOVERY SERVICE several time to get the company to send out verification of this debt opened on XX/XX/2014 in the amount of {$170.00}. I spoke to several people and they refuse to send out any verification to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX my husband and I went to Citibank in XXXX, CA to open up a {$100000.00} checking account, {$100000.00} savings account, and {$460000.00} CD. There was to be a {$1000.00} bonus added to the checking or savings account as a new customer. This never happened. 

In XXXX, XXXX we received a letter stating that due to lack of activity, the accounts were being closed. My husband called the bank and was told he needed to speak to XXXX XXXX, Citibank Relationship Manager. She looked into the problem and said it was not related to this account, that there it was related to an account in LA, previously set up by XXXX XXXX mother, XXXX, now deceased. The account previously put in XXXX XXXX  account. XXXX spoke with XXXX XXXX and said everything was OK, there was a question on the trust. 

Next thing we know, our accounts which we opened up were closed and all the money was sent back to us. When XXXX tried calling XXXX to find out why this was done ( we never wanted them closed ), she never returned the phone call. 

This is fraud!

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 2022-03-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-07-22
Company: EQUIFAX, 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:
There is information thats on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identity. Transaction to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to my transactions by me as a consumer. 

You are required to do what I am asking and block these transactions from being reporting/ reported within 4 days from the receipt of this notice I look forward to your response XXXX XXXX credit card XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX switched to a new system? At least thats what i assume. I get a call and a letter from this new company telling me my account is going to be sent to court or somthing unless i make payments. Im in the XXXX so i explained and apologized originally to XXXX for being late. This new company called " comenity '' has claimed to take over the proccess. They called, asked when and how much i could " promise to pay '' communication with them is horrible, its absurdly hard to hear them, and understand them. I called back recently to try and get my account so if i do owe i can at least pay online. They claimed they cant give it to me? Im so confused im trying not to get scammed here, and more and more its seeming more like a scam. Im freaking out because the court thing or whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-07-22
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: Information belongs to someone else

Complaint:
It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this COMPLAINT to help establish a legal recourse. If XXXX, EQUIFAX, and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} ;

Company response to consumer: Closed with explanation