BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The emergency room charges have been changed several times each statement. The level of emergency room service states level XXXX. I received no service other than an IV. I have spoken with XXXX XXXX several times and nobody in billing seems to understand. Then they never submitted my insurance which i provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Genesis FS Card Services, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment for {$480.00} on XX/XX/21, it posted to my checking account XX/XX/21. Today is XX/XX/21 and the payment still has not be credited to my account. After multiple phones calls and promises of call backs I have not heard back from anyone to resolve this matter. Today is the XXXX day according to the information below and customer service is telling me it could still take until XX/XX/21 to credit my account. This is starting to make me feel like the company is not legit and I've been scammed. 

The following terms and conditions are posted on their website. 

When will my online payment post to my account? 
The payment cut off time for online payments is XXXX p.m., Pacific Time. This means, if we receive your online payment prior to XXXX XXXX., Pacific Time, your payment will be credited to your account as of the calendar date it was received. If we receive your payment after XXXX XXXX Pacific Time, your payment will be credited as of the next calendar date. 

When will the available credit on my account reflect my payment? 
In some cases, the available credit may not reflect your payment for up to 14 days in order to verify funds. This is disclosed in the " Making Payments '' section of Agreement that governs your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 


XXXX XXXX BANK XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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

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 2021-05-27
Company: LoanFlight Lending, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance loan for my residence ( a house ) with Loanflight Lending LLC of XXXX, FL. ( NMLS XXXX ). The terms stated on the initial loan estimate of XX/XX/XXXX states 2.875 % interest for 30 years, 0 points. On XX/XX/XXXX they sent me an updated closing disclosure. It shows an increase in closing costs but the terms were unchanged. Significantly, it shows 0 points. On XX/XX/XXXX XXXX XXXX from Loanflight called me to inform me that my rate lock expired but that they were going to extend it. He did not mention the addition of any loan origination charge. After the final condition was apparently withdrawn ( several conditions that did not have any bearing on my ability to pay back the loan were apparently withdrawn - more on this later ), I was sent what should have been the final closing disclosure on XX/XX/XXXX. In it Loanflight had sneaked in a .63 % loan origination fee which was not in the previous disclosure nor mentioned to me previously in any form of communication. In my case the .63 % amounts to {$1700.00}. I guess they just hoped I would sign without noticing it? Also, the APR is missing from this disclosure even though it appears in the previous disclosures. 

In his email of XX/XX/XXXX, the loan officer, XXXX XXXX ( NMLS # XXXX ) explained that this fee was tacked on because the rate locked expired. But the rate locked expired because they had placed two conditions on the loan that I could not satisfy ; 1 ) Provide proof of homeowner 's insurance on an unrelated condominium that I own, and 2 ) have a judgement, by a child support agency, removed that ensures that I continue to pay {$120.00} in monthly child support until XXXX. With regards to the first condition, my condo is not being used as collateral for the loan and the lender on that mortgage does not even require homeowner 's insurance. With regards to the second condition, it's not even possible to clear a child support judgement until the child support payments are completed. They don't seem to know this. Btw, I voluntarily requested my payments be automatically deducted from my paychecks until my obligation ends in XXXX, XXXX. Apparently, both conditions have been withdrawn ( maybe because they are irrelevant? ). But trying to meet these conditions caused the loan closing to be delayed and the rate lock to expire. 

They didn't get away with this because my loan app is for a refi and I could walk away from it. But I wonder how many home buyers were forced to accept this trick in order to close escrow on time. I know this is unethical but you decide whether it's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
I acquired my credit report & ask the credit bureas to check & make sure everything was complete & 100 % accurate for the following accounts according to 15 USC 1681i ( 5 ). 
Account : XXXX XXXX XXXX XXXX XXXX I waited 30 days & received my investigation & noticed every was still the same. The consumer reporting agency which experian did not remove or modify anything. The date opened is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three credit bureas. 
Which is a violation. This is impacting me from moving forward to obtain business credit for my business. 
I attached my previous credit report with my new credit report to show how experian has violated my right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, 15 U.S.C. 1681 section 602A states I have the right to privacy, 15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 privacy and confidentiality under 15 USC

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 2023-07-24
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
I have an existing open mortgage in Good Standing with NewRez / Shellpoint Mortgage company. NewRez / Shellpoint Mortgage company is not reporting my mortgage information to XXXX or XXXX credit reporting agencies. 

I have been trying for over 1 year to get them to report it. XXXX and XXXX both say they are not getting my mortgage information from NewRez / Shellpoint Mortgage. The problem is impacting my credit score at both XXXX and XXXX because neither company shows I have a mortgage. 

Current Principal Balance {$420000.00} Regular Monthly Payment {$3600.00} Next Payment : XX/XX/2023 https : //signin.shellpointmtg.com/signin/myaccount

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Frontline Asset Strategies, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Frontline Asset Strategies informed me via email on XX/XX/, that I owed money to XXXX XXXX XXXX from XXXX XXXX. XXXX XXXX has not provided me with any services in several years. To ensure the email was legitimate, I performed a XXXX search and visited the company 's website via the search page. I dialed the number listed on the website seven times : ( XXXX ) XXXX. The phone number displayed in the email differs from that displayed on the website. The communication contains the phone number ( XXXX ) XXXX. Each contact was met with an automated message informing me that a representative was unavailable, and then it disconnected the call. I replied to the email I received but have not yet received a reply. I require validation of the debt, as well as copies of any executed contracts and other evidence demonstrating that I have utilized this company 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Public record information inaccurate

Complaint:
In XX/XX/2022, I received a copy of my Experian consumer report and noticed a report of a public record. I sent Experian a dispute letter notifying them of the error and demanded that it be removed. On XX/XX/2022 I received an email notification from Experian stating they had completed there investigation of my dispute and the account " remains '' Experian also stated that the company that reported this information certified it was accurate. According to the FCRA, in order for Experian to report the alleged US BANKRUPTCY COURT it would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX, whom Experian states their public record information is obtained from, that they were not able to validate this alleged bankruptcy in accordance with federal law. Experian has NOT properly investigated this account and is willfully reporting incorrect and inaccurate information on my report. Experian is breaking several federal laws and committing fraud according to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ), and I HAVE NOT given any direct or indirect instruction to furnish any of my information.

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 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First bank account open at bank of america in 2005 was closed for no reason and they used the same debit card for a new bank account for no reason ... .i have never made a transfer from any account in 20 years... now my mail and cards are being stolen and all bank tellers are doing nothing to give me transaction records and they are involved with a teller fraud investigation for false bank information, my cellphone is hacked before i purchased it and they follow me everywhere to block any way of getting information from different bank locations

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 2022-01-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is showing a late payment on my credit file for XXXX  account # XXXX in XXXX of 2020. 
According to 15 U.S. Code 1666b.Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX, XXXX, and TransUnion. 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 TransUnion, XXXX shows XX/XX/XXXX, and XXXX 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 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 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Investigation took more than 30 days

Complaint:
on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

on XX/XX/23 i requested I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX XXXX XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately on XX/XX/23 i requested Chargeoff Balance Error This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


this credit failed to do a investigation, failed to update the comment section on all three bureaus, the bureaus failed to remove this account from my report due to no reponse from the creditor, my comment section on my credit report is the exact same since i started my disputes. The creditor has not uodated me with what i requested and failed to do a proper investigation. this creditor has a balance with a charge off, late payments on a charge off, different dates last active, please remove from all three bureaus immediately

Company response to consumer: Closed with explanation