BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Prohealth Care, Inc
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX writing to share a serious concern regarding our familys interaction with Pro HealthCare [ https : //www.prohealthcare.org/ ]. In summary, a billing dispute has now escalated to the point of harassment, and we are asking for your help to resolve this matter. 

Please allow me to share the fact pattern for this issue : -Our son was born at the XXXX XXXX XXXX on XX/XX/XXXX. 
-The birth is a fully covered cost. Our insurance coverage is through XXXX XXXX XXXX, and our healthcare coordinator is XXXX. We have a confirmed EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost. 
XXXX XXXX XXXX has communicated that this claim has been paid in full. 
-Pro HealthCare [ https : //www.prohealthcare.org/ ] has been unable to identify the payment. As such, weve been contacted by the Pro HealthCare billing department on several occasions [ dates listed below ] stating that the invoice status for XXXX birth is unpaid and has now gone into a formal collection process. 
-To trace the payment, XXXX has communicated to Pro HealthCare that Pro HealthCare must initiate a request to the local XXXX office to research and find the payment that was made. When weve communicated this requirement to Pro HealthCare, the response has been, Thats not my job. 

Neither XXXX, in its role as the XXXX coordinator, nor we [ the covered parties ] can initiate a check trace as we are not parties to the financial transaction between the payor [ XXXX ], and Pro HealthCare, the payee. 

Weve worked diligently to resolve this matter with Pro HealthCare but unfortunately have been unable to come to a resolution. As mentioned, the tone of the conversation has now been raised to the level of harassment, and this is now unacceptable. 

Pro HealthCare is currently requesting payment of {$380000.00}. Please note that there have been several iterations from Pro Healthcare requesting different amounts. 

Dates of communication : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Attached with this submission are : 1. The EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost and the payment for this claim has been made. Please note that they payment made is equal to the negotiated rate between XXXX [ our insurer and the payor ] and Pro Healthcare [ the payee ], and is not equal to the amount in the collection 's notice. 

2. The collections notice

Company response to consumer: Untimely response
Consumer complaint received 2022-07-26
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received call on XX/XX/2022 at XXXX, clearly its a mass dialer because the line was quiet for XXXX seconds before someone came and started asking for my wife, asked what is this in regards for, he yelled if you dont know her no point in talking to you and hung up. Called back asked to be removed from any list lady slightly laughed. Havent received any other notice of the debt owed, not sure how their complying with the laws on that one. 

Additionally when asked for the company name the laughing lady said it very fast, purposefully trying to make sure people write it down incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Early Warning Services, LLC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A website ( XXXX ) claimed to be selling bichon frise puppies for {$650.00}. I contacted them and had conversation with them about buying the dog. They said they required the {$650.00} and {$100.00} for some other fees. Then they said once the full amount of {$750.00} was sent that they would send a bill of sale to me and for me to sign it so they could ship the puppy to my immediately. {$500.00} was sent on XX/XX/2021 through XXXX XXXX Zelle and {$250.00} was sent on XX/XX/2021 through XXXX. I then received a fake bill of sale and I was told they took the puppy to the airport at which they claimed there was problems. They told me I had to pay the airport {$1200.00} to send the puppy but that {$1200.00} of that would be given back to me once I received the puppy. I also received a fake document saying this same information. When I tried emailing back asking to pick the puppy up myself instead of sending her on a plane but that is when they stopped emailing me. I called a phone number they gave me but it would just go straight to voicemail and they text me saying they could not talk. When I asked if my money was going to be sent back their response was yes obviously and I never heard anything back from them again.I contacted XXXX and they said they couldnt do anything since it wasnt through a business account. I called XXXX and they said they would do a claim on it but that I may not get my money back which I didnt because they claimed they could not do anything even though I have emails and claimed this with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. Please take a look at the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: OH
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:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The 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 mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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:
XXXX, XXXX, and Equifax are not responding to any letters I sent in for Debt Validation. I have multiple incorrect errors on my credit report that they are not reporting correctly. 

ACCLAIM CREDIT TECHNOLOGY OPENED XXXX XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATIONS DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATION DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE XXXX XXXX XXXX  OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX, SS 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 2022-07-26
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: Their investigation did not fix an error on your report

Complaint:
I purchased a credit report monitoring family plan with Equifax on XX/XX/XXXX to which I added myself, my husband and XXXX children. Later, on XX/XX/XXXX I added an additional child to my plan. Sometime earlier this year, XXXX I was notified that I had unusual activity on my report so I logged onto My Equifax family plan to monitor my information and then noticed that NONE of my children were listed on the plan. I tried adding my XXXX minor sons and was not able to, receiving this message : " You're taking steps to help better protect your family members. Because a credit file for XXXX already exists ( which may be the result of credit activity such as an active credit card or car loan ), we'll need some documentation to verify guardianship and add your child to your account. Please call our customer care team at XXXX and get started today ''. I then immediately called the number provided and was told that in order to add my children I needed to submit documents that verified my guardianship, including a copy of my children 's SSN, Birth Certificate, my drivers ' license and a cover letter stating that I am the parent of these children, including their full name, date of birth and our mailing address. I had to MAIL this information to XXXX XXXX XXXX, XXXX, GA XXXX. I mailed it on XX/XX/XXXX with confirmation that it was received on XX/XX/XXXX. When I called my equifax plan ( on several occasions ) I was told that the documents were not received and that the correct XXXX XXXX to mail information to was XXXX XXXX XXXX, XXXX, GA XXXX. I did NOT send the documents again because of my fear that NO ONE knows what's going on in this company and that my children 's identity is being compromised even more so with me mailing things to " non existing '' XXXX XXXX XXXX. I still can not add a child to my plan for which I have been paying {$29.00} a month for since XX/XX/XXXX. Nor do I know if my children 's social security is compromised and being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe that my late father 's home was foreclosed on illegally. After reading that Specialized Loan Services LLC was in violation of Foreclosure rights I would like to have my late father 's file evaluated for foreclosure violations.

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 2023-03-22
Company: EQUIFAX, INC.
State: NC
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-08-13
Company: EQUIFAX, INC.
State: FL
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:
You have an account on my file from XXXX that needs to be removed from my credit file. 
In accordance to the FCRA and the FDCPA the information you are to provide on my file is supposed to be correct, but you have information such as the balance and so forth that is inconsistent and needs to be removed immediately. 
This notation is in regards to Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a phone call from XXXX. Listed as " XXXX XXXX '' when I answered the gentleman on the line said he wasnt sure why it came up as " XXXX XXXX '' andvthen stated he was calling from mcm. I asked what mcm was and he simply stated " Midland. '' This is deceptive call tactics in an effort to dupe people into answering their phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Marcus by Goldman Sachs gave no notice to their customers that they would sell off their loans to another servicer. I found out I am caught by surprise and they have now added more challenging work on the customer to get the transparency they deserve about their loan. If one elects paperless, one should still have access to legacy statements from prior months if their customers need to reference them.

Ever since Marcus by Goldman Sachs sold off my loan- which was literally within the last two weeks possibly ( early XX/XX/2023 ), I can't get access to my prior statements from the Marcus by Goldman Sachs online portal. If we were supposed to save those statements prior to Marcus selling off our loan, we need notice to save the statements needed before they discontinue online access to any loan information via the Marcus by Goldman Sachs online portal.

SST is scheduled to autopay/autowithdraw over {$800.00} on XX/XX/XXXX from my checking account, and I have yet to see a statement through the XXXX website. I have no statement visibility via my online account in Marcus by Goldman Sachs online banking portal. 

XXXX 's notice to customers from XX/XX/XXXX was vague and unclear about what we should do if we haven't received a statement. XXXX 's online portal is so terrible that it looks like an interface from the late XXXX XXXX. Not user friendly and hard to navigate to even find their data privacy notice. 

Marcus by Goldman Sachs should've worked in tandem with SST to ensure an effective transfer of the loan, which includes full transparency into my statements from the inception of this loan.

When one agrees to paperless statements and then transfer the management of my loan to some other unknown financial institution WITHOUT my ability to have any control over the decision and one can not see any statements, how am I to understand if the data integrity of the account balances from current and prior months match up with what SST is quoting me today? 

I need the transparency, and I am not getting that with XXXX or Marcus by Goldman Sachs.

This transfer of my loan to XXXX by Marcus by Goldman Sachs was done with no transparency or paper statement mailed to me. If I can't get access to my statements online via XXXX 's ancient non-user friendly web interface for account management, then I should be receiving a paper statement mailed to my address every month going forward. This is not hard to ask for. 

Even though Marcus sold off the loan, they should still be held accountable to ensure we ( the customer ) receive sufficient paperwork or loan statements to assist us with the transition to the new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation