BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
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 letter stating it was a follow up letter from XXXX ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XX/XX/XXXX and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act 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 2023-06-06
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: 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/block any items 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 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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$860.00} ; 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 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I was informed that my account was under suspicious activity. I was a check along with instructions 2 deposited into my account. Then the focus turned toward me and I became the one that was under suspicious activity in my account. The policy state that I will be able to get my funds within 3 to 5 business days 7 to 10 business days. I was never able to get full control on my account. As I spoke with their representat I've got the run around. I was beening sent bank statement stating that the account was allowing Merchants to get money from my account but they froze my cards and I couldn't ever get my money back even unto this day.This investigation lasted from XX/XX/2022 until XX/XX/2022.

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 monetary relief
Consumer complaint received 2018-04-20
Company: JPMORGAN CHASE & CO.
State: MS
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:
After applying for a credit card with JPMorgan Chase, Chase decided to shut down all of my personal and business credit cards without notice. When I finally logged into my account, I saw that all of my credit cards were closed. I had been a customer with Chase for over 10 years now. I immediately called to ask why this had happened. I spoke with two customer service representatives and they both informed me that the reason was " I had opened too many credit cards in the past year. '' After explaining to them that I needed them to go on an oversees trip back home to XXXX, neither the customer service representatives budged on the issue and said that the shutdown was final. They mentioned that I was considered a " risk '' for defaulting with such a high credit limit even though I have a XXXX FICO credit score and have never missed a payment in my life. I eventually was able to convince one of the representatives to file a motion to reconsider. I was told I'd be notified via mail in 10 business days. Nothing happened and my account was not reinstated. I have attempted to try all reasonable avenues to resolve my problem and it seems that I'm at my wits end so the only recourse is the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I dispute few accounts of my credit report and equifax keeps denying it over and over and playing games with me i want to dispute the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTED AS IDENTITY THEFT FRAUD EQUIFAX DENYING IT ON PURPOSE AND REFUSE TO REMOVE THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: TX
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly 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 XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14
Company: ERC
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: Account status incorrect

Complaint:
XXXX charges me for internet service that I cancelled almost 3 years ago. I called over 10 times and they said the bill would be XXXX out when I went to check status in XXXX it stated it had gone to collection. I immediately paid the {$56.00} even though I did not owe it. They need to remove this derogatory remark immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was sold and the transferred account balances are very wrong. The transferred loan does not show the correct payments and escrow balances. The balances are off by more than {$5000.00} at least 1 payment of {$5000.00} has been been credited to my transferred loan. I should not have had 1 early payment applied to the escrow account as well. 
Either Loandepot.com is trying to take my money or did not appropriately plan for a successful data transfer of account balances to the mortgage servicer, LoanCare.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: OneMain Finance Corporation
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:
In accordance with the fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

Code 1681 ( 2 ) a, i.has been violated.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Three letters sent by fax and USPS to Franklin Collections that have gone unresponded to. In the third letter, I even sent them proof of delivery via fax in XXXX and XXXX and the account is still being reported as of XX/XX/XXXX. They have not provided debt validation or assured me that my HIPPA rights were not violated. And as a side note shame on the bureaus for not responding!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
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:
XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. Equifax, XXXX, and XXXX XXXX continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, 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 was not authorized to inquire about my credit report. TransUnion did not prevent XXXX XXXX from doing this unlawfully. 

XXXX XXXX Location Requested On Phone XXXX XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXX, FL XXXX Inquiry Type Individual

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 2023-06-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, I am writing to dispute a fraudulent account that has appeared on my XXXX, Equifax, and XXXX credit reports. I recently discovered this unauthorized account, and I firmly believe that I am a victim of identity theft. I kindly request your assistance in investigating and removing this fraudulent account from my credit reports. 

Account Details : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2023 Outstanding Balance : {$140.00} Reasons for Dispute : 1.Lack of Awareness : I have always maintained a diligent approach to monitoring my financial activities and credit reports. However, due to the sophisticated nature of the fraudulent activity, I was unaware of the existence of this account until recently. This highlights the covert nature of the identity theft, making it difficult for me to detect the fraudulent activity at an earlier stage. 

2.No Record of Transaction : Upon thorough review of my financial records, I have found no evidence of any transactions or agreements with XXXX XXXX XXXX XXXX This further strengthens my belief that this account is fraudulent and has been opened without my knowledge or consent. 

3.Violation of Fair Credit Reporting Act ( FCRA ) : The presence of this fraudulent account on my credit reports violates my rights under the FCRA. As a victim of identity theft, I have the right to accurate and up-to-date credit information. The inclusion of this unauthorized account damages my creditworthiness and may result in adverse consequences for my financial well-being.

4.Legal Rights and Responsibilities : Under the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit reports. I am also entitled to a fair and timely investigation by the credit reporting agencies. Therefore, I kindly request that you initiate an investigation into this matter and take appropriate actions to rectify the inaccuracies caused by the fraudulent account. 

I kindly request that you promptly investigate this dispute and take the necessary steps to remove the fraudulent account from my XXXX, Equifax, and XXXX credit reports. Additionally, I request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been deleted. 

I appreciate your attention to this matter and your assistance in resolving this fraudulent account issue. Please do not hesitate to contact me if you require any further information or documentation. I look forward to a swift resolution to this matter and the restoration of my accurate credit information. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my credit 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 2023-07-13
Company: Bread Financial Holdings, Inc.
State: TX
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:
this account is past legal time allowed to be reported immediate removal under federal law collection/ charge off under fema diaster codes DR-4332 hurricane Harvey EM-3458-Tx covid-19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On the XXXX of XX/XX/2022, I sent a letter requesting investigation and removal of several accounts reporting on my credit that have incorrect opening dates, last payment dates and missing full account numbers. These accounts have not been removed OR updated. They still remain on my credit report, negatively affecting my credit file. It has been over 60 days and I have received no response or updates from the credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-06-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 : {$0.00} XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$900.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief