BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
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: Account information incorrect

Complaint:
On XX/XX/2020 I went to the ER with XXXX XXXX  and XXXX XXXX XXXX  Upon being admitted to the ER I provided them with insurance information which was XXXX XXXX XXXX XXXX XXXX of Washington. At that time my employer was XXXX XXXX in XXXX, WA. They ended up diagnosing me with XXXX, even after my results came back three days later negative. The hospital never once sent me a bill or itemized statement of the account that day. Until one day I found three collections on credit report. All of them were from this visit to the ER during XXXX. The hospital had billed my old insurance, XXXX XXXX. I have been trying to resolve this and get this off of my credit for over a year. The three collections were : one for the hospital bill ( XXXX ), XXXX bill for the radiologist XXXX, XXXX, and XXXX ( credit management ), and the XXXX XXXX XXXX. So I received three bills and three collection accounts from this one visit. I provided the hospital with my insurance card and even had XXXX XXXX call them on a three way call so they could pay this. This hospital refused to give me a superbill and said there was nothing they could do, I needed to call the collection company it was sent to. So I did just that, they are unable to give me a superbill because they dont have it. SO I called the hospital again, and get another person and come to find out they told me the bill had been paid for by federal grant money. I do not understand how this can be allowed on someones credit. Someone who has no late payments whatsoever. I had to purchase a car this past year and Im going to have to refinance it because I am paying a much higher interest rate because of this. Now I have been trying to resolve this for over a year. Would someone please help me. I am a at the end of my rope. No one wants to help me, they keep passing the buck and all three credit bureaus are of no help either. I have disputed these items 2+ times. I have even asked for a copy of the debt from the collection companies and they refuse to send me one stating, you need to contact the hospital to get a copy of your bill. It is a never ending vicious cycle. Please help me. 
I finally did get someone to mail this for me and my dad listens to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX, I am appalled that they will violate my consumer rights in such a Manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX in customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they even though there was an agreement made through XX/XX/XXXX, they're in breach of the agreement and cause a negative reflection on my credit file. I'm well aware my consumer rights and they have had been violated. I can not believe a company of this magnitude. Doesn't honor their commitment and doesn't care about customer 's consumer rights. XXXX is tarnishing my name and credit profile by reporting this account as late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Yes around XX/XX/2023 I found some accounts on my credit files that I didn't open or authorize anyone to open these accounts .fraudulent accounts I contacted the company 's couldn't get information cause I don't have account information. Reported to all credit bureau. They did nothing just updated accounts as they were mine they are not accounts that I opened I want them remove immediately..I filed identity theft Affidavit sent in to all credit bureaus along with identification and credit reports showing fraudulent accounts they have not done anything to block or remove these accounts I want them removed

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 2023-10-26
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have already contacted Trans Union on several different occaisions requesting the removal of hard inquiries. 

I NEVER have my implied, verbal or written authorization to the following companies to use my credit data : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting that they be removed from my report. They should NOT be there. Anything and everything suppresses credit scores and I need to make sure this is removed.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: CA
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 Federal Protected Consumer Rights to my privacy and confidentiality under 15 USC 1681 Account : 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 Has violated MY RIGHTS. 
In accordance with the Law 15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 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 USC 1681S- ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING RELATING 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 2022-04-21
Company: Holloway Credit Solutions
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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A 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 written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Convergent Resources, 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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A 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 written consent.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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 is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2022-12-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Charged for unspecified services. Attempted to contact company in writing three times to dispute the charge and ask for an explanation. No response to my letter. Taken to collections after 3 months. No attempt to contact me about the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. 
Please review the following : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a collections account. There are late payments and a past due on this account. This is a violation. Please remove this inaccurate account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes.

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 2022-04-21
Company: Opportunity Financial, LLC
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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

15 USC 1681 Section 602 A 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 written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
see the documents that I attached here. I want you to help me investigate and remove the late payment remarks on my credit report that should not be late payment at all.

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 2022-04-21
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Klima, Peters , & Daly of Mid-Atlantic Law Group, for committing identity theft Since XX/XX/XXXX for the amount of {$12000.00}. My wages have been being garnished since XX/XX/XXXX. I have never given Klima, Peters, & Daly of Mid-Atlantic Law Group, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Klima, Peters , & Daly of Mid-Atlantic Law Group and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Klima, Peters , & Daly of Mid-Atlantic Law Group any right to collect on this alleged debt.

I have never received any documentation requesting validation from Klima, Peters , & Daly of Mid-Atlantic Law Group, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code1692d ( 4 ) which the FTC defines as debt parking. If Klima, Peters , & Daly of Mid-Atlantic Law Group, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Klima, Peters, & Daly of Mid-Atlantic Law Group, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Klima, Peters, & Daly of Mid-Atlantic Law Group continues its collection efforts, I will file for litigation for actual damages caused and Klima, Peters , & Daly of Mid-Atlantic Law Group, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-12-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My checking account is through Truist bank. I was issued a fraudulent check in the amount of {$4900.00} by a scammer which I deposited XX/XX/25. I deposited {$1200.00} into my checking account and the rest out in cash. The check then bounced and I lost the money which I had sent, based on the bank issuing the cash to me " in good faith ''. I then filed a claim with Truist to recover my funds fraudulently taken from me, but denied my claim on XXXX. So essentially, I was scammed for money based on the bank issuing me cash from a fraudulent scammer 's check and now say that they can not reimburse the amount. I feel that that is patently absurd and feel that Truist should be held accountable for not having vetted the check before issuing funds based on the check being good, then claiming they are not responsible if the check turns out to be bad.

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 2022-04-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have requested from Equifax, XXXX XXXX XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from Equifax, XXXX XXXX XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to Equifax, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Their investigation did not fix an error on your report

Complaint:
I have requested from XXXX, XXXX XXXX XXXX Trans Union to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from XXXX, XXXX XXXX XXXX Trans Union any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to XXXX, XXXX XXXX Trans Union.

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