BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: MiraMed Revenue Group LLC
State: NM
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:
I had a XXXX  back on XX/XX/2016. I was assured that there would be no out of pocket cost. That it would be covered 100 %. It was a preventative procedure. 

I have been getting calls from Miramed Revenue Group threatening me. That if I don't pay {$480.00}, it will go on my credit report. That was after I told them I have a recording of Dr XXXX 's staff telling me there would be NO OUT OF POCKET COST TO ME. Based on that information, I went ahead had the procedure done. 

Under the Affordable Care Act, services recommended by the U.S. Preventive Services Task Force are covered with no out-of-pocket payments. For people between 50 and 75, the task force recommendsscreening for colorectal cancerusing stool testing, sigmoidoscopy or colonoscopy. 

[ According to the law, if a polyp is discovered and removed during a screening colonoscopy, there will be no charge, because thats considered part of a routine colonoscopy. ] According to this article below, It says that, While the Affordable Care Act includes free preventive procedures like colonoscopies, were hearing more and more that people are being asked to pay, from community members. We dont know anyone who keeps overall records on how big this problem is, but we can tell from this article by being one of our busiest posts. 

Under the Affordable Care Act, services recommended by the U.S. Preventive Services Task Force are covered with no out-of-pocket payments. For people between 50 and 75, the task force recommendsscreening for colorectal cancerusing stool testing, sigmoidoscopy or colonoscopy. According to the law, if a polyp is discovered and removed during a screening colonoscopy, there will be no charge, because thats considered part of a routine colonoscopy. 

Dr XXXX XXXX XXXX, went ahead and charged me anyway, even though I was specifically told by a member of his staff that there would be NO OUT OF POCKET. They would check to be sure and if for some reason there would be any out of pocket cost, they would let me know prior to the procedure. 

I have a recording of that conversation that I will gladly provide. I want to go to court to present this evidence to a fair minded judge. 

Here is the article that also says that Doctors offices are often miscoding these procedures in order to charge their patients more money. 

From <https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 noticed multiple unauthorized inquiries on my report. 
According to the FCRA ( Fair Credit Reporting Act ) legally these unauthorized & unverified items MUST be removed. All of the inquiries are unauthorized & unverified. I also NEVER gave you guys my written or oral consent to report any of this information 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 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
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 recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We sired money to an account that turned out to be part of a Ponzi/Investment Fraud scheme. None the banks said that the account was suspicious especially the destination bank, XXXX XXXX. XXXX XXXX  is the one hosting the fraud account and has refused ALL help/cooperation. 

We sent XXXX on XX/XX/2021. The fraudulent company is called XXXX XXXX XXXX. 
Their account number at XXXX XXXX  is XXXX. The company 's address is listed at XXXX XXXX XXXX XXXX XXXX, VA. 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 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
im unaware of what the XXXX derogatory creditor ison my cbr-i disputed it and nothing has been removed or investigated acct sold to worthless debt buyers that put it on my credit bureau report-transunion and the rest. i have only credit cards mastercards and i only use avout 3 percent of my limit and pay in full each month. this derog item caused my credit score to deop from XXXX plus to XXXX i want it investigated and removed. i have never heard of this collection debt buyer company before.please help me-they show XXXX balance on cbr under derog-this is my only item that is bad.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX XXXX XXXX that has been ignored.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have some old/incorrect data on my Transunion credit report, I've filed the same disputes with XXXX and XXXX and they have removed the items. I am unable to file a dispute online with Transunion, they claimed my account required " maintenance '' and I should be able to file my disputes in XXXX business days, it has been XXXX business days and I am still unable. I called Transunion again, and they told me to continue to wait, meanwhile I am unable to get approved for a new mortgage while this is still 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, 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:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act US DEPT ED XXXX XXXX XXXX XXXX XXXX  US DEPT ED XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 non-monetary relief
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our home was foreclosed on around 2006 and Wells Fargo sold it almost immediately. They never told us it was in foreclosure and did not give us the opportunity to sell it ourselves.. We tried to refinance the home prior to this event. Wells Fargo said everything looked good. When I tried to send in the cash for the refinance Wells Fargo told me to go to the courthouse and pay it there. In the courthouse is where I found out my home was being foreclosed in front of everyone in that court room. I never had the opportunity to keep or sell my house. Wells Fargo profited XXXX. Or more from my house the difference in the amount owed to their sale price. We never saw any of that money. Nor was my foreclosure reported to the credit bureau!!!! when I called them to ask why I was told by a female employee named XXXX that she made that decision to foreclose as a kindness to us. There was a woman at my door within a couple of days named XXXX XXXX to evict us giving us three days to get out. I tried to see a lawyer named XXXX XXXX here in my home of XXXX Texas. He told me Wells Fargo was a huge wealthy company and that there was no way I could ever win anything against them. He would not help me. We were left homeless and very very traumatized and personally heartbroken to loose our land and tge home we built on the land thaf we previously owned.

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 2019-03-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I tried to log into my www.myloancare.com to pay my XXXX mortgage payment. That entire week ( XXXX ) the website said my password wasn't working and that it would email me a temporary password. Those emails never came, I was stuck. I called their customer service # and input my ssn & zip code as instructed. Then a message came on to call between XXXX and XXXX ( which I was ) and then it would hang up on me. I had been trying all last week to get logged in to the website too ( XX/XX/XXXX - XX/XX/XXXX ). There was nothing I could do! 

After being frustrated and getting a Payment Reminder Notice from them in the mail today ( XX/XX/XXXX ). I tried to log on to the website again. And today, it worked! With my original password & ID that hadn't worked for the last 2 weeks. I was able to finally make my XXXX mortgage payment today. 

I still can not get anyone on the phone and I've tried several times to send an email on their website. The website email open a blank window that never loads. They are charging me {$63.00} in a late fee that was not my fault! I want that late fee refunded. They really should be paying me for the extra time I spent trying to make my mortgage payment for the last 2 weeks!!!! I want to switch my servicer. Please help me get a refund and get a new servicer. I also want to discuss getting my FHA Mortgage Insurance canceled as my home to loan ratio is now about 75 % but I can not get in touch with anyone.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have recently received my full credit reports from TransUnion, XXXX and XXXX and I noticed a collection on my TransUnion report that has already been proven not to be my account or debt and have been removed and deleted from my other two consumers reports. I am unsure why this collection is still showing on my TransUnion report when I am not responsible for this account. 
I am not liable for this debt, ( XXXX XXXX XXXX or XXXX ) I do not have a contract with, XXXX XXXX XXXX they have not provided me with the original contract as I have requested from their agency and also requested Transunion to provide. 
In accordance with the fair credit reporting act, This company ( XXXX XXXX XXXX ) 15 USC 1681-602A states I have the right to privacy.

15USC 1681-604A section 2 States a consumer reporting agency can not furnish. 
an account without my written instructions. 
I do believe that this report is inaccurate, and these companies have not done a full investigation to verify this account as well.

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 2022-10-27
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive applied for loss mitigation assistance in XX/XX/2022, it took well over a month for the mortgage company to look through the documents I submitted and accept them, I submitted them multiple times, the exact same documents, yet they were deemed incomplete until finally on XX/XX/2022 they deemed them completed. During that time I attempted to contact my specialist with no response what so ever from her. I was given documents that stated I will receive an answer in XXXX calendar days, on XX/XX/2022 I called back from an update. I was told I need to give it an additional XXXX  days as their policy is XXXX calendar days. I gave them the XXXX days. I called and spoke to my specialist, finally, and was told he would look at my application that week, the week of XX/XX/2022. It is not XX/XX/2022 and I have not had any updates, nothing from my specialist, and all customer service reps refuse to help me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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:
This is my 3rd request that I am a victim of identity theft and I write to dispute certain inquiry in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2022-11-28
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I recently received a cashiers check from Discover and because of prior issues with bank errors and XXXX of my errors its hard for me to cash the cashiers check. I need the cashiers check which was already cleared to pulled back from XXXX XXXX they told me this would be the fastest way for me to get access to the funds. So I know this is not an easy task but I have been waiting over XXXX XXXX for these funds and I am on the verge of getting evicted. I would like to know if another form of payment like XXXX or wire transfer is possible since I have a hard time cashing the check since there are no physical discover banks available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 non-monetary relief
Consumer complaint received 2023-01-06
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-23
Company: Chime Financial Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Emailed Chime support email address about closing the account and reported to them it was fraudulently made. They responded by asking for PII. I do not want to give them more info that could be used to fraudulently. I do not trust them at all.

Company response to consumer: Closed with explanation