BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: Consumer Adjustment Company Incorporated
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I had to be taken by ambulance to the hospital. I was admitted, saw several doctors while there and was discharged after one night. I provided my insurance information to the hospital upon arrival. It is important to note that I was taken to 2 hospitals. The first hospital as well as the both ambulance trips are not included in this because they were paid by my insurance. Inthis case, the second hospital ( that I was transferred to ) sent my information on a face sheet to the different medical entities associated with my care, which had my name, SSN and birthdate correct. But they provided a phone number and address which has never been mine, and that I was uninsured and self-pa. At the time I was working for the state of Florida and had state government XXXX. All the medical bills and calls were not reaching me and I didn't even know these accounts were sent to collections. I was not given any time to fix it. I reached out to the hospital who cleared it up on their end and got their money from the insurance company. There were several accounts sent to collections. When I reached out to the original creditor for these 2 accounts that should not be on my credit report, they refused to help me since they already sent it to collections. The collection agency refused as well because they said they don't care that I had insurance, they just want their money. Neither the original creditor nor the agency can give me the information I need ( despite requests to send itemized bills to me ) to even go back to the insurance company myself to get these paid. I disputed these because my insurance would've covered 100 % of all the bills and nothing would've ever gone to collections. The dispute removed the collections off my report a year ago. Last month I noticed they were back on my report again as of XX/XX/XXXX. XXXX never sent me a letter of reinsertion to explain why. I disputed again and XXXX is refusing to remove the accounts off my record. No idea why, as it merely says the information was updated. The address associated with the information provided by the hospital is now also on my credit report. But I have never lived at that location. All of the information associated with these 2 accounts is completely incorrect. I do not owe this money. 

I am attaching a letter from XXXX as proof of insurance at the time the medical service occurred, which again was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Capio Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempting to collect a debt of {$830.00} in XX/XX/XXXX which Ive been having health insurance since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 is my second 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 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 2023-06-12
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXXXXXX

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 2023-08-02
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: Reporting company used your report improperly

Complaint:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2020-10-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paided using paypal was told my payment was invalid by the merchant and had to use my credit card to complete the transaction paypal refused to refund me my money even after i send proof showing i was forced to pay with my credit card and the merchant agreed to refund me i am still waiting on my refund and paypal denied my case two times

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Many months back my credit limit was around XXXX dollars. I only opened this card to build good credit but then found out from a financial advisor my available credit ratio was actually hurting my credit. As I was paying down the available credit, card services dropped my credit limit to around 450/500. I have been sending in monthly payments as well as double payments since then. In the statement for XX/XX/XXXX my limit was 490 and my available credit was 114. I 've submitted more payments and have not used the card since then and the statement for XX/XX/XXXX says the limit is 300 and I have 17 available. 

No matter what I do I can never have a good available credit rating because they drop my credit line every time I make payments. I will pay in full and close this account but what Synchrony Bank is doing is terrible. Their online chat agent said they 'll send me a letter in the mail to explain the reasons for continually dropping the credit line, but they were of no help. I 've contacted them several times and still have n't seen this letter they 've been telling me about since the first time they dropped my limit.

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 2021-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my second time in 2 months disputing the inaccurate information Experian is reporting on my credit report. Experian is reporting an inaccurate bankruptcy account. They are not even attempting to verify with XXXX, the furnisher of the information. If Experian did what they are required by law to do, they would see the bankruptcy has been deleted/removed by XXXX. I provided this proof with my last complaint, and they still are reporting this bankruptcy. Please make Experian abide by the law and the FCRA and properly respond to this dispute. 

On today when I called to inquire about the dispute results they said they had verified with XXXX that the account was accurate. I immediately called XXXX and they affirmed this was not true. The rep further stated that their is no bankruptcies on my report. 

What is my recourse when Experian is clearly ignoring the laws as well as the furnisher of the information?

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 2023-04-29
Company: EQUIFAX, INC.
State: CA
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 is my second 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
As per 15 U.S. Code 1681i ( 5 ) regarding the Removal of Inaccurate/Invalidated Credit Information , if, following any reinvestigation of disputed information by a consumer, it is determined that an item of the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete that specific item from the consumer 's 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 non-monetary relief
Consumer complaint received 2018-05-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am not clear on the details of all transactions. I have been trying to reconstruct the timeline and have made calls to the companies numerous times inquiring about the changes to my mortgage, but they would not allow me to obtain them or outright lie to me. Someone refinances my house many times an it is not in foreclosure. Rather sold to my brother for a quarter of its worth with my signature giving him the gift of equity and purportedly giving me a right of refusal in two years.

Prior to this I paid all payments to XXXX XXXX, but apparently there were 2 separate mortgages on my house from two separate banks. Im still unclear exactly what occurred, but there were multiple transactions and I was unaware of them, nor did I benefit from them in any way. 

XXXX, an mortgage co I only learned of around XX/XX/XXXX appears to have had a mortgage on my house since XX/XX/XXXX along with XXXX XXXX. 

Payments appear to have been made to both banks, but Im unclear on how or what account they came out of. 

Whoever refinanced appears to have stop making payments or a time period elapsed Around XX/XX/XXXX and foreclosure proceedings were sent to me for different dates, times and places.

In response, I used Keep Your Home Ca to save my house when it was in foreclosure and my mother as POA helped me with all the details. Im learning now that both XXXX, Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, the mortgage broker and possibly someone very close to me all played a part in obtaining all such mortgage transactions as they appear to all be done online and use the same signature page of A GFE I initiated myself in XX/XX/XXXX. 

I have documentation of inquiries and now subsequent to the sale to my brother Im left with nothing. Not even the right of 1st refusal which would have allowed me to either repurchase my home of 17 years for what I sold it to him for, or it be sold and equity split between us fairly according to my years in the house, my gift being repaid and market value according to its unique value. 

Ive been given nothing, rendered homeless and have no recourse.

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 2023-08-02
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-03-03
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Utah System of Higher Education
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have federal student loans serviced by Utah Higher Education XXXX ( XXXX ). XXXX recently transitioned to paperless billing, and claimed to provide access to billing statements online. This is false. When logged in to my account, I can see the date of my most recent bill and am given the option to " view/print bill, '' but doing so opens a PDF with an error message. There is also a " paperless inbox, '' which claims " You Do Not Have Any Billing Statements to View. '' I called XXXX, and the customer service representative seemed to be aware of the issue with the error message PDF, but said only that the IT department was located elsewhere and she could not provide me an estimate of when it would be fixed. She also could neither provide a copy of the billing statement via email, or upload it to the " paperless inbox '' section of my account. Instead, she said my only option was to wait to receive a paper copy, which she had to " generate, '' that would be sent in 2-5 business days. I believe XXXX is intentionally making it difficult for borrowers to obtain their billing statements, by transitioning to paperless billing but then failing to make billing statements actually available online.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-02
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have received an ongoing credit report that suggests that I may owe XXXX XXXX XXXX. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that XXXX XXXX XXXX, XXXX, XXXX and Transunion provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.

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 2023-01-25
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'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