BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MD
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. US DEPT ED XXXX Balance Owed : {$7900.00}

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 explanation
Consumer complaint received 2022-11-01
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For over a year now I have attempted to get XXXX XXXX to update my insurance in their system so that insurance can pay this bill. I have spent countless hours on the phone with XXXX making sure health insurance information is correct with XXXX, and each time I am assured that it has been corrected. Despite all of my time consuming efforts, XXXX has not updated the insurance information, so they are saying that I owe {$1000.00} for lab work. My insurance, XXXX XXXX ALWAYS pays for my lab work. It is covered under my plan. The reason it is being rejected is because XXXX is giving them incorrect insurance information. Now, I have received a bill from a debt collector and my original bill is not available on my XXXX patient portal. I can not contact XXXXt oXXXX XXXX  because I don't have the original bill. I receive my bills via email and the links to the bill are no longer active. I have no way to correct this. Worse yet, I can not get my XXXX XXXX at any XXXX lab because they incorrectly say that I owe this amount. I have XXXX XXXXXXXX XXXX and need to have regular XXXX done. This is not only an issue of unfair billing, but also it is putting my health in jeopardy.

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 2023-03-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$16000.00}

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got an alert from Transunion that XXXX did a hard inquiry on my credit report. I contacted transunion and they confirmed this. I contacted XXXX to advise I did not request a new card or increase in credit. They closed the account and sent me a new card. They also provided a letter stating they requested the inquiry to be deleted. Transunion still has the inquiry on my report.

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 2022-11-01
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by CITI ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am a victim of an identity theft, and for the past few years I have been trying to remove the fraudulent accounts from my credit report. I have contacted the bureaus and creditors to let them know that the accounts are not mine, the charges are not mine. I have no idea who and how these fraudulent accounts were opened. I am veteran of the XXXX XXXX and I am conforming that these 2 accounts were opened fraudulently, the charges are not mine, I did not authorize the accounts to be opened.

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 2020-06-08
Company: EQUIFAX, INC.
State: MS
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 am trying to get my correct Date of Birth ( DOB ) updated on my Equifax Credit Report. 
The erroneous Date of Birth ( DOB ) currently being reported isXX/XX/XXXX but my correct DOB should be XX/XX/XXXX. I used the MYEQUIFAX website twice to dispute my DOB. I attached my Mississippi State Drivers license ( See attached XXXX XXXX ID ) ; but the dispute still come back asking for my Drivers License or Birth Certificate ( See attached DISPUTE RESULTS ). Apparently my Drivers License is being over looked by the Equifax dispute investigators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear CFPB, I recently received a copy of my (, Equifax, XXXX XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; Equifax, XXXX, XXXX, They reported my account as LATE in the months of XX/XX/2021 and XX/XX/2021 - XXXX - 60 days Names of the accounts : - - XXXX XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2021 and XX/XX/2021 you reported transactions from XXXX XXXXXXXX XXXX  XXXX, Account Number XXXX on my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report!

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payments on XX/XX/2021 and XX/XX/2021 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-11
Company: Williams & Fudge, Inc
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Monday, XX/XX/2023 : XXXX with Williams & Fudge gave my date of birth and last XXXX of social over the phone without my verification of identity. 
The collectors also have not spoken with me prior to this date. Theyve repeatedly contacted my husband over the phone after finding his contact information through public records, but they didnt know my husband name ( and called him by the wrong name ) and provided him with the last XXXX of my social and date of birth over the phone. The collector claims to have my information from the originator but didnt have my phone number or email. They never contacted me via my mailing address ( which is the only piece of contact information they have that is correct ). When asked about contacting via email, they provided an incorrect email address and stated they had sent information to that incorrect email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Verify this account XXXX XXXXXXXX Is not mine XXXX XXXX XXXX I never have late payments XXXX XXXX XXXX XXXXXXXX Is not mine inquiryss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2023-07-11
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On Friday, XX/XX/XXXX I received a {$50.00} Amex e-gift card as a reward for online surveys completed. I read the instructions and added it to my XXXX XXXX account. Since then I have tried using it in person in different stores and online on different store websites. Each time the card is declined despite my purchases not going above the {$50.00} limit. When it was declined twice on XXXX it deducted {$.00} for each " transaction. '' My husband and I also have a few {$100.00} Amex e-gift cards given to us as gifts. We have run into this same problem trying to use these Amex e-gift cards online. The Amex website states that you can use these gift cards any where Amex is accepted and yet they are always declined. 
After doing some research, I have found several XXXX threads discussing this exact same problem. The most recent one is from XXXX of XXXX  : XXXX XXXX XXXX One of the individuals in this thread works for XXXX and they are currently working through a dispute with Amex. XXXX has given hundreds of Amex gift cards to patrons and none of them are working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent a certified USPS letter ( XXXX XXXX XXXX XXXX XXXX ) to Transunion informing them that the closed XXXX  account ending in XXXX had late payment for the months of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I informed Transunion that those payments were not late, and the account was reporting incorrectly. I also sent Transunion copies of the my XXXX bank statement ending in XXXX, for the above mentioned months, showing that XXXX was paid {$2800.00} for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Transunion has ignored the proof that I sent them, and has not updated my credit report. 

Please find attached copies of the letter sent to Transunion via USPS certified mail along with copies of XXXX bank statements.

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 2023-09-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had taken out a loan through a phony unreachable financial company that deposited a fake check and then had me to return the funds back to them before the bank could clear the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: ProCollect, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of XXXXXXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX. I gave the apartment team my forwarding address twice ; once in a letter and the other when I dropped off my keys. I never received a final invoice from them. 
At some point, they transferred the debt to Procollect , Inc, who also never sent me an invoice. On XX/XX/XXXX, they reported that {$210.00} was in collections to the credit reporting agencies, which reduced my credit score by over XXXX  points.

Since Procollect , Inc did not mail me a letter about the debt they claim I owe, I was not able to review the claim and they did not have the right to report the debt to the credit reporting companies.

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 2020-06-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Around XXXX I agreed to pay a fee to enroll in a payment program, which decreased my monthly payments to XXXX from XXXX a month. Before the pandemic hit I was already set up for automatic payments by them thru their program. They took out payments with no issues. I called them on XX/XX/XXXX to find out why my payment was not made b/c the funds were there but I did not get answer. A few weeks later on XX/XX/XXXX, I get phone call from them saying that my account was delinquent. I immediately asked how? She then went on to say I asked for assistant. That's when I made it very clear NO I did not. If I wanted assistance I would have applied on line. The rep. then went on to say that I called and cancelled. AGAIN NO I DIDN'T. I then asked her to show me evidence that I called and cancelled. My phone records ( 4minutes ) will show where I called on XX/XX/XXXX but got no answer. I noticed a lot of charges that are repeating on my account along with accrued interest rates that are accumulating that I DID NOT make. I strongly believe that the way they have the statements printed is FRAUD. I was not getting paper bills, so I looked at my account online. Keeping up with Balance. That's when I realized XXXX dollars been debited from my account since 2018. Because I frequent XXXX that's local and they has it listed as if I drove 900 miles to XXXX. Big RED FLAG. It's definitely not identity theft, this is controlled from inside.

Company response to consumer: Closed with explanation