BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I agreed to purchase an item ( vacuum cleaner ) as part of a promotion for completing a survey. The terms of the transaction were that I only had to pay shipping and handling of {$2.00}. After I entered my debit card information and completed the purchase I got a receipt showing a charge of {$39.00}. I contacted the vendor to cancel the transaction, but he refused and told me to contact my bank. 

I reached out to my bank and they could not get the funds back from the vendor 's bank, so they refused to refund the charge to my account. 

The transactions is fraudulent on 2 counts : 1 ) the vendor used a bait and switch tactic, showing one price & charging another 2 ) I never received any goods or services in exchange for the amount that was charged, which constitutes theft

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: W&A Intermediate Co., LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield Collection # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX call numbers XXXX and XXXX. Per the provider, dates of service XX/XX/XXXX and XX/XX/XXXX. My dad died XX/XX/XXXX. I'm the executor. I received a collection notice from Wakefield Collection Company on XX/XX/XXXX. I called them on XX/XX/XXXX to get information on the medical provider with date of service, detail on charges and proof of insurance billed and paid as I needed this to pay the amounts as executor. They said I had to file a dispute with them to get the information. I did the same day and I proceeded to send XXXX emails, multiple disputes and phone calls. I received bill copies from them on XX/XX/XXXX ( with a letter from them dated XX/XX/XXXX ) and the amounts and insurance didn't make sense. I now had the medical provider information so I called them. Wakefield had the wrong date of service on their bill, they showed XX/XX/XXXX, and wrong dollar amounts. Provider is going to send me correct bills so I can review and pay, they said it will take 7 days from today XX/XX/XXXX. I notified Wakefield but I'm filing this complaint against them for harassment and improper billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2023-02-03
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: Their investigation did not fix an error on your report

Complaint:
have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1200.00}

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 2023-02-03
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:
This is my second attempt to get credit agencies to comply before legal action is taken for violation of my consumer rights. I will be seeking {$1000.00} in damges per violation. 

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

Account name : 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. 

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 non-monetary relief
Consumer complaint received 2021-04-26
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a car accident in XX/XX/XXXX. All the medical bills were to be paid by my vehicle insurance policy to XXXX XXXX ( XXXX ). 

XXXX did not agree to the amounts paid by the insurance company and passed the debt onto me. 

XXXX owns the debt and placed the debt with IC Systems. 

IC Systems took the aggregate debt and broke it into six ( 6 ) separate collections on the same bill! IC Systems then began reporting these six ( 6 ) collections to the credit reporting agencies. 

IC Systems received a notice of dispute. DESPITE receiving a notice of dispute - IC Systems fraudulently represented to the credit bureaus that I was delinquent on the bill though the bill was disputed and the dispute shows on the credit bureaus as a disputed bill. 

IC Systems in ore top harm my credit - continues to fraudulently represent this bill is delinquent. Each time I apply for credit - IC Systems adds another delinquent notice into the credit bureaus to further harm my credit using abusive tactics. 

**IC System 's abusive tactics have real world economic impact. As a disabled veteran seeking a home loan - this impacted my ability to refinance my home during the COVID19 pandemic. 

Last year, I contacted XXXX as the current legal owner of the bill to tell them about the abusive tactics by IC Systems. I contacted XXXX by formal letter and by email. XXXX did not respond to the notice of dispute or complaint. 

I have included screenshots taken from the underwriting department of a mortgage company attempting to refinance my home - showing the abusive tactics of IC Systems fraudulently representing I am in a payment plan with reported delinquencies. 

A debt validation letter was sent to XXXX - as the owner of the debt - on XXXX XX/XX/XXXX. XXXX FAILED to respond to the debt validation letter.

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 2023-09-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, Tuesday, XX/XX/2023 I was notified about Equifax 's response, which is wholly unacceptable. They should NOT be requiring me to send sensitive information through the mail. There is no reason why this large volume of information should be required to be sent in any capacity period. 

The U.S. Government is enabling XXXX 's unacceptable behavior. The U.S. Government is NOT serving the entire American people when our government chooses to enable companies like Equifax, to close and ignore complaints. The Consumer Protection Bureau is basically pointless. 

... .... '' send us a letter with your request and include your full name, any former names you used recently, current address ( and former address if at current address for less than XXXX years ), and date of birth. You should include documentation to verify your identity and address ( for example : drivers license and pay stub or utility bill ). You may send this information to address listed below. We have also mailed you a letter describing the documentation needed to verify your identity. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX '' ...... 

XXXX and XXXX did NOT require any of this nonsense to place fraud alerts. XXXX was actually user friendly and immediately placed a fraud alert on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
To Whom it may concern : On Tuesday XX/XX/XXXX, I appeared in court on this matter and it has been set for trial for XX/XX/XXXX. This is almost a year from now and I do believe I have given XXXX   XXXX  plenty of time to provide me with the information I have requested to validate this debt they claim I owe. Not to mention if there intent was to ask for a continuance on this matter which would have only lengthened this issue even further. Since this matter has been set for trial, and they have yet to provide me with any other than billing statements, I should no longer have to carry the burden of this damaging information on my credit report. Unless they can show proof or provide me with anything else this should be removed immediately by the collector and if they fail to do so then the reporting agency should be notified and have action taken against them as well, I hope we can begin this process 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 2023-02-03
Company: Experian Information Solutions Inc.
State: CT
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: AL
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: HCFS Healthcare Financial Services of TeamHealth
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: Investigation took more than 30 days

Complaint:
I have been disputing this information since XX/XX/XXXX I sent a dispute out on XX/XX/XXXX which included a affidavit that has yet to be responded to. By law as a natural living human I have not waived any of my rights I am stating that my rights are reserved under UCC 1-308. I have proof that the affidavit was sent from my recent dispute number ( XXXX ) ( XXXX ) ( XXXX ) I will also be providing the police report that I have sent multiple times with this document as well this is the final step I am taking before seeking litigation against XXXX and ARS.

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 2021-04-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today I accessed your site to get all three of my scores, for free. 
Equifax replied with " Onine Delivery Unavailable. '' XXXX XXXX XXXX # XXXX. 

I have to organize a bunch of documents to get my score, by snail mail? WHY? 
This is ANOTHER example of how the system is broken. 

I need the score TODAY to deal with an important refinancing decision. 

Please reply to XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, as of tonight I was catching up on some bills and saw that my credit report changed on my XXXX XXXX account. Ive never bother with checking that stuff because its not always accurate. Well I clicked on it and saw that there is multiple delinquent account reports affecting my credit that belongs to my ex husband and somehow my name is attached to his account. We have been separated since 2020 and waiting on divorce to be finalized, Ive never used his account nor do I have any access or cards to his account, this is all stuff that needs to be reporting and affecting his credit status, not mine. Its showing JPMCB which I do not have anymore as of 2020 when I switched to a new bank. Please remove this from my credit report with these inquiries showing as far back as XXXX when it started to arise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: SoLo Funds Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I downloaded the Solo app and signed up as a lender in XXXX of XXXX. My wife started lending a few months after I did and had her own account. 

With the app I was able to lend small loans to people for a period of 15 days in amounts up to {$500.00}. I started to track my loans in XXXX of XXXX after I noticed that all of the loans were not being reported and I was missing money. I reached out to solo on several occasions requesting an audit of my account and it was never done. fast forward to XXXX of XXXX, my wife received an email notifying her of an account audit and that she would be receiving a total of {$1900.00} as a result of the audit on her account. My wife lent a total of {$300000.00} while using the app. After seeing this, I reached out to solo to ask when my account would be audited. On XX/XX/XXXX I received an email stating that an account audit will only be available for users who received the email. I have not received any further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of Shellpoint Mortgage Servicing for 3  years. 

Back in XX/XX/2020 ( early pandemic stage ) Shellpoint ( in charge of managing my primary home mortgage ) reached out offering several alternatives for customers experiencing economic hardship. At the time, and being a small business owner, I decided to accept on one of their offer programs and enter a 3  month forbearance program Come XXXX, 2020 I contacted Shellpoint once again, and a customer service rep offer and suggested to extend for another month. Came XXXX, and things changed. After submitting a significant amount of documents and financial statements I was told I didn't qualify for any other programs and was instructed to bring the account current. Suddenly a " new program '' appeared and I " qualify '' for some sort of loan modification. I had to declined such offer since that prevents the ability to refinance the property for a 2 year period. 

To my surprise ( and after having a pre-approval from a conventional bank ) Shellpoint had reported my account as LATE to all credit bureaus, preventing a refinance to be completed. I rushed to reach out to Shellpoint and interesting enough one of their representative acknowledge a THIRD PARTY PROVIDER had made an error and several thousands of their clients had incorrect reporting on their credit history. 

3 weeks have passed, and so far no action has been taken from their part, preventing my ability to complete the refinance process. 

I have instructed my ability to bring the account current ( principal, interest and escrow ) immediately, as LONG they clear this out. 

Thank you very much for your time, but at this point I can't afford to put at risk my home, my family and any sort of legal matter this could bring along if no action is taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an paypal account and I havent used it but twice. XX/XX/2021 I tried to use the app and was told my account was restricted. I have to provide a copy of my ID and Debit Card. After that I was told they were going to close my account because I did something that violated terms. I havent use this service. I have been using XXXX XXXX however a few family members still use paypal. I just want to know what is going on because paypal will not answer when I call regarding my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
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: Account information incorrect

Complaint:
Experian is ineffective

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