BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Medical appointment, with a XXXX, date uncertain, ( probably XXXX ) for routine exam. Routine exam, no XXXX growths found. Dr.did remove, by freezing 2 ( two ) very small XXXX growths on my neck. I was released and total charge would be {$20.00} for an office visit. 
Received a bill in the mail for {$150.00} for surgical charges! 
I disputed this, contending that the freezing of 2 ( two )  small calcified pin size growths WAS NOT XXXX. 
I continued to receive monthly statements from this unethical Doctor? 
On XX/XX/XXXX, I received a demand letter from Southwest Recovery Services for service by XXXX XXXX. 
I mailed a " Cease & Desist '' letter to Southwest Recovery the next day. 
I am now receiving " demand letters '', threatening legal action from Southwest Recovery Services. I believe this is in direct violation of the Fair Debt Collection Act.

In addition I received an inquiry from the Social Security administration concerning a {$450.00} charge from XXXX XXXX   that XXXX had filed on my Social Security account, part 'B '. 
I DO NOT have part 'B ' coverage, only part A. 
XXXX XXXX made a copy of my current XXXX card & knew that I did not have part 'B ' coverage. This is a fraudulent charge made by an unscrupulous dishonest, vindictive Doctor. This man should be made to answer for this attempted fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2018-10-07
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that XXXX XXXX, XXXX had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the letter I received from XXXX XXXX, XXXX that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, WA 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 2021-10-20
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over XXXX for more than 10 years. There was 1 late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with XXXX representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.

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 2021-10-20
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over XXXX for more than 10 years. There was XXXX late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with XXXX representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have requested in writing and sent via  USPS mail a request for Debt Validation. This company refused to respond with the requested documentation under the Fair Debt Collection Practices Act and Under the Fair Debt Collection Practices Act sections 805 ( C ) { 15USC 1692c }, it is my right to request this information. If the information will not be provided, I request this negative file be deleted from call credit files w ithin the next ten days.   Thank You in advance,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Union Bank broke contract with me and stopped my access to the credit card I was paying on. I no longer have any access to any of the money I'm paying on the card. Since I no longer have a " product '' to use, I am refusing to pay for what I can't use. 

If the bank that services my mortgage came and threw me out of my house, that same bank should not expect me to continue making mortgage payments on a house I can no longer live in. With a credit card, it's the same difference. If I can't use the card, I'm not making payments. 

In a letter dated XX/XX/2022 sent out by priority mail with confirmation, I demanded that Union Bank cease and desist making any further contact with me regarding the card account ending in XXXX. Since this date, Union Bank representatives have violated the law by making further contact with me by phone and mail several times. 

Union Bank needs to face the fact that they made a big mistake and deal with the consequences of that mistake, and cease sending any letters regarding this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$0.00}

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 2022-07-22
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00}

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 2023-10-10
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint and request an investigation into an ongoing issue related to my credit report. This matter pertains to a charge-off account placed on my credit report by XXXX, a creditor, which I believe to be inaccurately reported. This inaccurate reporting has adversely affected my reputation and is preventing me from accessing reasonable and adequate lending opportunities, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have taken the following steps to address this issue : 1. I have submitted multiple disputes with all three major credit bureausEquifax, XXXX, and XXXXregarding the disputed account. Despite these disputes, I have not received a response detailing the method of verification and validation of the debt, as required by the FCRA. 

2. I have also attempted to resolve this matter directly with XXXX, the creditor in question, but have not received a satisfactory response or resolution. 


Given the persistent inaccuracies in my credit report and the failure of both the credit bureaus and the creditor to provide adequate documentation, I am left with no option but to escalate this matter to the Consumer Financial Protection Bureau for further investigation. 

I kindly request the following actions be taken by the CFPB : 1. Initiate a thorough investigation into the reporting practices of XXXX regarding the account in question. 

2. Request XXXX to provide a detailed method of verification and validation of the debt, as required by the FCRA. 


XXXX. Demand an immediate removal of the inaccurate reporting from my credit report, as it has caused harm to my creditworthiness and reputation. 

I have attached copies of all dispute letters previously sent to the credit bureaus and the creditor for your reference. 

I am also open to discussing this matter further and providing any additional information required to expedite this investigation. 

Thank you for your prompt attention to this matter, and I look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate this unverifiable account below : XXXX XXXX XXXX Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: KS
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-12-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX XXXX   increased my interest rate from 10 % to 29 % with no notice whatsoever on my XXXX  Credit Card. My minimum payment increased 200 %. I want my interest rate changed back. This change occurred just between my XXXX billing statement and my XXXX billing statement. I have emailed them multiple times, and called, since I received no notice whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: LendingPoint Holdings LLC
State: AL
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:
Lending Pt. Sent account to XXXX prime to collect they found out account was related to fraud and was not mine and dismissed it and I have been trying to get it removed for two years and have sent in all the proper documentation and XXXX and experian still will not remove the account when they actually creditor doesnt even have a file for me and Im demanding its removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: KS
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-07-22
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$940.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$680.00}.

Company response to consumer: Closed with explanation