BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from Pro Com collection agency. I asked what the bill was that they were trying to collect on since I pay all bills recieved. They told me that the bill was sent to them by XXXX XXXX ( labratory billing service ) and that the bill was for a XX/XX/2019 date of service in the amount of {$44.00}. They were not able to give me an account number. I went on the XXXX XXXX of IL website and did not see a claim for that date/amount. I then called XXXX XXXX and spoke to XXXX. She said that they had never received a claim for that date/amount but that I did have a claim for that date with XXXX XXXX XXXX XXXX She then called XXXX XXXX XXXX ( who's bill was paid in full ) and was told that I had a urinalysis on that date and that they sent it to XXXX XXXX XXXX for a culture test to be performed. XXXX handles the pathology billing. She then called XXXX and spoke to XXXX ( Supervisor ). XXXX was unable to find my name or that date of service in their system and said he had to have an account number. I have tried to get XXXX to do further research and check collection files for the last few months to find this account but they do not seem willing to do so. They tell me that they will call me back, but never do. I am at a loss, I was unaware of this bill, my insurance was never billed and now neither the collection agency OR the billing company will take the steps to clear this up. I need help!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: WA
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:
Dear Experian, I am writing to request a correction of the following information that appears on my Experian consumer report : Dispute : Account Number or other information to identify account : XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00}, DATE OPENED : XX/XX/XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX/ ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Dates associated with item being disputed : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Explanation of item being disputed : I would like to state that Experian Is in violation of 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report. No consent is identity theft. I have stated above the 10 accounts that are being furnished illegally on my consumer report. I demand that you remove these inaccuracies off My consumer report. If they are not removed, I will not extend my credit to anyone or allow Experian to furnish a report for me. I would like to state that pursuant to 15 USC 1681. ( A ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Experian allowing these inaccuracies to be furnished on my consumer report, it has caused me to lose confidence in the banking system. If Experian wants To continue doing business with me, they should delete these inaccurate accounts off my consumer report.

Thank you for your assistance. 

Sincerely, 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 2019-12-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted a dispute to this credit bureau on the following datesXX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I sent a copy of my passport, social security card, and proof of address from the United States Postal Service when I did an address change. The letter from USPS is confirmation of my new address. The credit bureau has refused to investigate any of the disputes I have submitted with proof of my identity and proof of address. I have also requested a copy of an original contract showing my name, address, and signature for all accounts that I listed in my dispute. The credit bureau has failed to provide proof that these accounts belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had {$1400.00} in fraudulently wired from my chase account to another bank. I instantly contacted the bank. They very quickly credited back a {$500.00} transaction made by the same individual. However, even after escalating the issue I never was reimbursed my money. Even knowing that my information and the fact I even banked with Chase along with my cell phone number was stolen from Chase. Below is where I have submitted multiple claims with Chase. I have followed up with everyone and everything possible and still nothing. 

SentXX/XX/2023 XXXX XXXX FromXXXX XXXX SubjectRe : US Dollar Wire Transfers Inquiry XXXX, XXXX, XXXX DeleteReply Hello, Thank you for contacting XXXX XXXX XXXX. We received your request dated XX/XX/2023 for a wire transfer in the amount of {$1400.00} dated XX/XX/2023. We received your request for a follow-up for this { { wire transaction / reference number } } : XXXX. Here is the status of your request : - Your request to recall the wire was submitted on XX/XX/2023. - We have received a response from the receiving bank that : THIS HAS BEEN TURNED OV ER TO OUR CORPORATE SECURITY DEPART MENT. PLS CONTAC T THEM AT XXXX XXXX W/ QUESTIONS. WE NOW CLOSE CASE - As this recall is due to a fraud/scam, Kindly contact Customer Claims ( Disputes by Phone ) at XXXX Option XXXX to file a fraud claim. We hope this information is helpful. Please let us know if you have any additional questions. Thank you, XXXX XXXX XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CATEGORY TYPE : Re : US Dollar Wire Transfers Inquiry XXXX, XXXX ATTACHMENTSIZE:XXXX Good morning, Can you please explain to me what their response means? Thank you, XXXX -- -- -ORIGINAL MESSAGE -- -- - We're writing regarding the wire transaction for Account XXXX, dated XX/XX/2023, in the amount of XXXXUSD. This transaction is identified under our Transaction Reference Number XXXX .We are processing the investigation for this wire under JPM Case ID XXXX. 

Please see response from the receiving bank on your recall request QUOTE THIS HAS BEEN TURNED OV ER TO OUR CORPORATE SECURITY DEPART MENT. PLS CONTAC T THEM AT XXXX XXXX W/ QUESTIONS. WE NOW CLOSE CASE Y R REF XXXX XXXX UNQUOTE XXXX XXXX XXXX If you have any additional questions or wish for an update on the status, please respond to this message or call the Treasury Services Solution Center at XXXX referencing our JPM Case ID. 

Representatives are available Monday through Friday, from XXXX XXXX until XXXX XXXX ( EST ). 


Thank you for banking with Chase. 

JPM Treasury Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted an FTC report to TRANSUNION LLC on XX/XX/2021. I explained in the attached cover letter my demands for furnishing these fraudulent accounts. I advised TransUnion LLC that if they believed I obtained goods or services to have a senior executive under the penalty of perjury draft an affidavit that states I have received goods or services as a result of the alleged accounts. Also, demanded to see documentary evidence that feared my wet signature proving I entered into the alleged transaction. Said notice gave them 5 business days to produce such documentary evidence. As you can see 6 calendar days later on XX/XX/2021, TRANSUNION LLC wrote with the attached denial letter stating that they would not be deleting the information as the law stated they should if they couldn't prove the validity of the information they were furnishing. Such denial did not address or provide any of the documentary evidence that I demanded to see which violated my block demand. Instead of doing as I demanded, TRANSUNION LLC, added an extended fraud alert without my authorization and said they would conduct a reinvestigation. I received this " alleged '' reinvestigation dated XX/XX/2021 on XX/XX/2021 via mail. It stated that their alleged investigation was updated and verified as accurate. However, I attached a letter explaining the multiple inaccuracies found in this alleged reinvestigation of the alleged accounts. For example, the alleged accounts show that they are in collection but never late and they do not even have payment history that dates back to when the alleged accounts were opened. The reporting of the fraudulent accounts are inaccurate and that alone should have them block, deleted and removed from my consumer report and file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions 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:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. XXXX the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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: In progress
Consumer complaint received 2022-12-22
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  XXXX ( XXXX XXXX I, XXXX ) www.cavps.com has been pursuing me for {$320.00} they claim I owe Macys. I believe the whole bill stems from a miscalculation in XXXX that accrued over {$300.00} of interest charges, it was not any purchase I made. In any event, the charge off date was XX/XX/XXXX. 

They have been harassing me for years. I told the previous collection agency, XXXX, that this debt was not mine and I told XXXX the same thing. They continue to write me and it is very upsetting. I am XXXX XXXX XXXX. I live on a small social security income and my husband passed away during XXXX. I have asked them to leave me alone but they will not. I dont know what else to do.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: OH
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:
Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX  XXXX XXXX, however it was 6 other hard inquiries : 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 2022-05-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
in Late XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX, I was unemployed in XXXX and XX/XX/XXXX, and I was out of the country for XXXX XXXX XXXX. This is the reason I wasn't able to make the payment on time. As seen in my credit report record, I haven't had any other, more than 30 days, late payment on my account and it is currently up to date. I have tried to contact Wells Fargo and explained to them that due to COVID and my financial situation remove and fix the late payment due to the above situations without receiving any type of help from their end. ( COVID relief ) Currently, I am financially stable and this is affecting a lot of my credit report, therefore, affecting my credit situation severely.

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 2022-05-18
Company: Chime Financial Inc
State: MI
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:
Chime has stolen my funds and will not give them back I can not wait 30 days I have a XXXX XXXX XXXX  child who will be out of diapers in less than XXXX hours and a daughter whose birthday is XXXX I have filed a police report and provided all needed self verifying information to chime to support my claim yet I was told I would not be held responsible for any activity on account but I have no money or help this is beyond a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: TX
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions

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 2021-10-11
Company: EQUIFAX, INC.
State: TN
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in XXXX, XXXX shows XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: World Acceptance Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company WORLD FINANCE CORPORATION XXXX , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WORLD FINANCE CORPORATION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity theft. I have contacted the apartment complex, XXXX XXXX, and they are unable to do anything due to it being in collection and it is under new management. I have a police report. I have provided the report and my driver 's license to the agency as requested. The collection agency is located where I reside ; so I drove to the information that was requested and the collection agency is stating that it will not suffice due to information on the report being redacted. I called the detective and he stated that they are unable to supply an unredacted report due to privacy. I conferenced call the detective and the collection and the agency stated that a verbal authorization will not suffice and they are unable to speak with them. I have emailed them the report that was provided to me and my id and they will not assist. I have explained the problem and XXXX XXXX is not helping and will not accept the information that was provided. The company as a hold is not trained properly and training on fraud is highly recommended. 

Per Canton 's Record Clerk, " Unfortunately, no we can not release a copy of the report to you completely unredacted. The suspect was not charged in this case. Without a subpoena stating otherwise, both the suspect and witness information is redacted to protect their privacy. 

Thank you, XXXX '' I told the agency and they were adamant about not being able to do anything.

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 2023-06-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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:
This account is a fradulent account i have attached my FTC Report along with this. I was XXXX  when this account was 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 non-monetary relief