BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The medical date of service in dispute is XX/XX/XXXX for XXXX at XXXX XXXX XXXX ( CTH/provider ). I communicated with CTH for months regarding their billing errors between my primary ( XXXX ) and secondary ( XXXX XXXX ) insurance companies. Providers often bill the XXXX XXXX as primary and it causes delays in payment or denials, etc. as happened in this case. I notified XXXX in writing and via telephone that this bill needed to be billed properly. They finally rebilled XXXX XXXX and it was denied. However, the Explanation of Benefits statement indicates, " We have denied all or part of this claim. However, you ( meaning me the patient ) are not responsible for paying the billed amount because you received this service from an XXXX XXXX XXXX  ( PPO ) provider ... '' and " my share '' shows as " XXXX ''. Therefore, I am NOT responsible for this medical debt. 

I ironically tried to make " good faith '' payments to AVOID going to collections as I had hoped they would get the billing corrected and accept XXXX XXXX 's decision. However, XXXX simply REFUSED to accept that XXXX XXXX denied this claim and still refuses to adjust the bill based on the fact that I have two insurance companies. They have been paid and they are not owed any additional monies. 

Despite this, CTH and National Business Factors continued to harass me, send bills, and ultimately reported me to the credit reporting agencies in XXXX of XXXX. This was despite all of my efforts to communicate, provide documentation and act in good faith. The bottom line is that I do not owe anything additional for this date of service. In fact, I am owed a refund of {$150.00} in good faith payments I made in error. 

National Business Factors used coercive debt collection tactics and did not communicate properly with me. They placed the account in " dispute status '' pending the " outcome of their investigation '' in XXXX of XXXX. I never received notification of the outcome of their investigation. Instead, they reported me to the credit reporting agencies and my excellent credit score of XXXX was reduced by XXXX points. I feel harassed. I feel like National Business Factors acted illegally in terms of fair debt collection practices. Both XXXX XXXX XXXX and National Business Factors have caused me financial hardship and stress plus damage to my credit score. I no longer use XXXX XXXX XXXX due to their harsh billing practices and unwillingness to communicate with patients regarding disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was notified by XXXX XXXXXXXX XXXX on XX/XX/2021 that may email change needed to be confirmed. I have never had an account with XXXX XXXXXXXX XXXX. I tried to call, but since I did not have an account number I could not access their voice system. 
One XX/XX/2021 I received an email from USPS notifying me of a change of address from my home of 20+ years to a new address. I did not submit this request. 

On XX/XX/2021 I received a paper notification from USPS. One XX/XX/2021 I went to the post office to find out how to correct this. In the process I learned that someone requested my address be changed to XXXX XXXX XXXX in XXXX, VA XXXX. I reported this with the XXXX XXXX XXXX XXXX. Service Request # XXXX. 

On XX/XX/2021 I received via USPS a credit card from XXXX XXXX XXXX with a cash withdrawal limit of {$16000.00}. I NEVER opened this account. I contacted XXXX XXXX  XXXX at XXXX. XXXX in Fraud closed the account and asked me to destroy the card. 

I then checked with the credit reporting agencies. I have freezes on all my credit as I was notified over the past several years of data breaches. It seems Experian received the credit inquiry. I tried contacting them on XX/XX/2021 but their phone system won't let you speak to a person. I had a freeze on my account. Why was XXXX XXXXXXXX XXXX able to issue credit in my name with a freeze in place. 

I have requested a Fraud Alert from all 3 credit report bureaus. I would like to request a 7-year Fraud Alert but they need some kind of documentation stating I was a victim of identity theft. 

I also contacted the police in XXXX, VA notifying them of the address. I was told by Officer XXXX on XX/XX/2021 that she would take my information but the best course of action was through XXXX XXXX XXXX XXXX as this is a federal crime. 
I also contacted the owner of the apartment at XXXX XXXX XXXX in XXXX, VA. They got me in contact with the property manager. I spoke with her by phone on XX/XX/2021 notifying her that she has a potential federal criminal at this address ( XXXX XXXX, Regional Manager | XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX | Virginia | XXXX | ( o ) XXXX x XXXX | ( f ) XXXX ). 

Property Owner of Street Address:XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, XXXX  XXXX Subdivision Name : 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX FOR VERIFICATION. 

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to log a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau

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 2021-05-15
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yes, well i opened a wellsfargo banking account in order to receive my first stimulus payment. 
I naturally try to review some of the perks of the wellsfargo account. 
I notice you can connect your " XXXX '' Account. I give it a try. 
Well when I'm set to receive my stimulus payment, I was unaware wellsfargo processes paymemts for XXXX. Wellsfargo in error deposits my stimulus in my XXXX account Prompting XXXX to permanently ban my account. Which is still banned. 
Well the IRS issues the later payments and they still send the payments to the XXXX only to be sent back to the IRS prompting the IRS to send me a papercheck. 
I go to wellsfargo to deposit these paperchecks. Wells Fargo credits me for a couple weeks. 
Then out of no where there system realizes we've processed a stimulus payment for me and my SSN they then reverse the check deposit leaving my account in the negative. 
Forcing me to payback the negative balance with future deposits. 
I contact them they essentially ignore my request and give me an explanation that my account was credited twice? 
The amount of financial hardships I've been thru from them stealing my stimulus payment for half a year+ ... 
Now reversing my stimulus payments and leaving my account in the negative. 
It's pathetic. 
I've had to take out loans to get by other things as well. I've had to sell personal possessions, go without bills paid. Literally because their system froze my account for no apparent reason. Than wrongfully reversed the next payments when I deposited a paper check. 
This ain't fair. I'm totally in debt and deserve my money back.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: MI
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:
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. 
XXXX the 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 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. 



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. 
XXXX the 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Can not get a hold of customer service. This is for direct express XXXX XXXX. I have to pay rent and bills. My card has been blocked and I can not unblock it. Can not access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citizens Bank has done the following : - The bank website and my statements do not show me who/what is debiting my account. I have no idea who has removed funds from my account. My transactions just show " Debit '' and the amount. It does not show the company or person who made the debit. The website does not provide this information nor does my statement. 
- I called to ask the bank who had made the debits from my account and the customer service rep was " not able to see it '' either- they could not tell me who was debiting from my account. 
- I called the bank on several occasions to complain about this and was given several different answers as to why I can not see who is taking money from my account. In one case I was told it was an " an IT error '' that had been happening that day - I had been unable to see who was debiting for over a week at that point- I was lied to. 

- I am constantly locked out of my online account now- when I try to perform password resets it does not recognize my information and forces me to call. I believe I am having trouble because I complained. 

I called my bank and they are literally not able to tell me who is debiting from my account. If it is fraud XXXX, nor they have any idea who is taking money out of my account. This bank is facilitating fraud- if someone is fraudulently accessing and withdrawing from my account- they are doing it with the assistance of this bank who can not tell me who is even taking the money, whether it is legitimate or fraud. 

The bank can not tell me who is debiting my account, this is aggregious.. How can a bank not be able to see who debited my account!? 

This complaint is regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  rights reserved. Citizens is a brand name of Citizens Bank, N.A. ( NMLS ID # XXXX ) Citizens corporate headquarters : XXXX XXXX  XXXX, XXXX, RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Client Services, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter 7 bankruptcy.   However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
I am a natural person I am a living human being I have rice under 15 USC 1681 Equifax is governed by 15 USC 1681 in the valley in my rights numerous of times I demand the countless below be removed because according to 15 USC I have right to privacy and I did not give equal facts written permission the furnaces accounts. The accounts below I won't remove from my file Accounts XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX my credit card had suspicious activity with XXXX. I called XXXX and reported the fraud charges. XXXX never called up to take down the information and in XX/XX/XXXX I received a credit card statement showing a balance of {$6.00} being owed and they said if we didn't pay they would close the card. 
My wife called as the account is through her but it was my card. XXXX said that they would fix it. This went on for months until XXXX when we got another statement saying we owed the same amount. Again my wife called and they had already closed the account that was paid in full, XXXX balance with a {$6000.00} credit limit and reported me as delinquent to the credit bureau. Again XXXX said they would fix it. 
Fast forward to XX/XX/XXXX my wife spoke with XXXX again as I had tried to apply for a small personal loan and was denied, the reason was XXXX. 
The lady my wife spoke with helped her over a 2 hour period to ensure they would get this handled. What my wife found out was XXXX never reported the original charges in XX/XX/XXXX as fraud. As it's been too long now they can't report them the usual way so they had to go through a special department within XXXX to get it handled. My wife called again today, XX/XX/XXXX, and XXXX pretty much said we can't help you. 
I would like them to fix the credit card and reinstate at the original {$6000.00} with the interest we had originally. Take off the delinquent charge and report as fraud like it should have been done originally. Then they need correct the credit issue so my credit is fixed! 

Everything was via phone call and all the notes are in our account under my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: NV
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 are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked Equifax where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX HOSPITAL )  XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX HOSPITAL ) XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I attempted to purchase sporting event tickets online through my financial institutions ( XXXX  ) Zelle link however after I sent the money the person never sent the tickets. I contacted my financial institution and Zelle within an hour of the transfer to cancel the transaction however they said that there was nothing that they can do other than open an investigation and the chances of recovering my funds were extremely slim. I believe that since I contacted them within an hour of the transaction they should have been able to do a chargeback however they claim that was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In reviewing year-end statements in connection with tax preparation, I notice an inexplicable and excessive number of purchase refunds? especially unusual since I did not return anything for refund or request any refunds at the time. I do not recognize any of the 9 refunds credited from XX/XX/2020 to XX/XX/2020. Why are there so many unauthorized credit transactions during that time? What was going on with the account at Venmo that required these transactions to cover up?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: BSI Financial Holdings, Inc.
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to BSI who did not recognize my loss mitigation from mortgage solutions. I paid XXXX above my mortgage. In XXXX i paid XXXX and was advised by an agent that if I paid an extra XXXX my loan would be current. I paid XX/XX/XXXX payment prior to the XXXX to avoid late charges and the system showed another XXXX in late fees after being told I was current. The manager said it was late fees that came over from mortgage solutions, which were supposed to be held due to the loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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 started the process to remove a fraudulent inquiry over a year and a half ago, and they still haven't fixed it. I have first-class mailed the information they required Over five times. Every time I call them back, they claim that they need more than what was needed, even though the last person never mentioned it. I have spoken to managers, and each has different requirements on what needs to change or removed from the inquiry. It's affecting my credit, and I want it removed. I even sent in proof of the police report stating my wallet and identity were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 status incorrect

Complaint:
On XXXX XX/XX/2022 my vehicle was involved in am accident and remained in the repair shop for 3 months. USAA Insurance declared it a total loss XXXX XXXX and owernership was transfered to them. I signed paperwork for the payoff. I don't have control of title paperwork. They were the Lienholders also. They would not release my payment until they received the Title from the DMV, but they had the vehicle in their possession. They reported missed and late payments to the 3 bureaus. I've been a member with USAA over 20 years and never missed a payment. I contacted USAA and explained the situation and asked if they could removed the negative reporting statement and they said they could not. I disputed with the 3 bureaus also. Why should I be held at fault if they didn't have the title, but were is possession of the vehicle. Payment should have been released when I signed over ownership to them. It's their 's and the dealership responsibility to obtain the title information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation