BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-24
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a state of Florida funded program that claimed to not charge for a 3 momth program of XXXX  ( XXXX ) treatment. I was accepted into said state funded program. I had XXXX XXXX XXXX, recognized by the admitting nurse at the facility. Instead of deferring admission, the nurse called an EMT. I was under the impression one program was responsible for the other, so I did not contest the nurse 's discretion then and there. Ultimately, I was sent via ambulance to another facility and am being invoiced {$300.00} for treatment that costs {$5.00}. I am being invoiced $ XXXX for an ambulance ride when an XXXX would cost {$10.00}. A cab might cost {$20.00}. I would attempt to resolve this with said facilities but, ultimately, these specific institutions have violated the original terms of my agreement with them and they have lost my trust. This went to a factor, acting to collect in approximately 60 days. I was still in the program and not gainfully employed nor was I making advancements in monitoring paperwork. Not only have these institutions violated my trust, they have grossly mishandled the involved parties ' finances. Why would anybody call an ambulance when a person is not in need of an ambulance? Because it doesn't matter if the program isn't footing the bill? Because if it's not part of the government purchase order, " caveat emptor ''? I was cheated, swindled, and am the XXXX of this bureaucratic joke. I am shocked and appalled by these shenanigans. If any were to review my admitting documents, they would concede my legal consent for these services was not given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$8900.00}

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 2020-06-18
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$120.00} XXXX XXXX {$130.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX FKA XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2018-11-03
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I spoke with a representative from PNC around XX/XX/XXXX or XX/XX/XXXX.  They said that a credit of {$500.00} would be transferred back into the account to compensate us for the confusingly labelled fees to view the images of the checks.The original complaint is XXXX. 

We never received that deposit. We did receive a deposit for {$350.00} but it was not the full amount that they stated on the phone they would make. 

XX/XX/2018 SERVICE CHARGE PERIOD ENDING XXXX XXXX {$350.00} This is disappointing to have to go back and request the full amount. 

What's even worse, we have not viewed any images at all since then. And we received another automatic transfer from our account for {$240.00} XX/XX/2018 SERVICE CHARGE PERIOD ENDING XX/XX/2018 {$240.00} At this point, the CFPB is the only course of action I have to try to remedy this issue and stop these erroneous and expensive charges. I have exhausted all options with the local branch and a top representative from the bank that handles customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. FurthermoreXXXX XXXX XXXX XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX {$120.00} XXXX  XXXX {$130.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX FKA XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2019-08-24
Company: Experian Information Solutions Inc.
State: RI
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 had a debt with XXXX XXXX. XXXX XXXX sold my debt to XXXX XXXX XXXX. XXXX took me to court to pay {$670.00}. I made an agreement to pay {$30.00} weekly. The debt was paid in full on XX/XX/2019. XXXX provided me with a letter showing the account was PAID IN FULL. Despite my having paid in full, my credit score has dropped points on a couple of occasions because the account came up FP ( Failed to make a Payment ) for XX/XX/XXXX and XX/XX/2019 under Experian. I filled a dispute in XX/XX/XXXX to Identify the issue. Experian reported that the dispute had been completed, however, the report shows that it was now a charge off. Again, I attempted a dispute to Experian, but it would not process showing that there was already an open dispute. This was confusing. I called Experian directly to address the issue. The man started a new dispute XX/XX/19. The issue has been furthered, as today, XX/XX/19, Experian shows an alert for an unpaid account. When open it shows that the account was ND for XX/XX/XXXX, FP for XX/XX/2019, and in another summary view shows it was charged off again. Non e of this information is accurate. I can provide a receipt of every payment made, including the receipt showing that the account was paid in full.

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 2022-07-25
Company: EQUIFAX, INC.
State: NJ
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not yet received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX I had sent in a complaint ( # XXXX-XXXX  ), and I thought it had been resolved but it has not. All I want to do is go back to my original monthly house mortgage payment of {$1900.00} and then pay my own property tax payment. Wells Fargo paid my XX/XX/XXXX property taxes, which I want to repay them back for but not the additional 30 % profit amount they want to charge me. Also the escrow account I still don't understand how after 23 years all of a sudden it pop 's up?! 
I just want Wells Fargo to allow me to go back to my original monthly payments and they now want to add a percentage more. They are trying to suddenly make an additional amount of money off my home mortgage which I will not pay. I am so sick and tired of them jacking me around on this. I have always paid my mortgage on time each month. 

Sincerely, 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 explanation
Consumer complaint received 2022-07-25
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:
It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which is answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which is answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$0.00}

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 2022-01-09
Company: EQUIFAX, INC.
State: MD
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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

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 2021-10-22
Company: EQUIFAX, INC.
State: NV
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Santander Consumer USA Holdings 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:
Since XXXX XXXX, 2017 I have asked Santander Consumer USA and the credit bureaus that they formally substantiate all account history data Santander Consumer Usa transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Santander Consumer USA and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 XXXX I drove up to Bank of America ATM machine, the XXXX XXXX XXXX XXXX Texas, and deposited {$7500.00}. ATM number is XXXX. The ATM machine took all my money but the receipt says only {$300.00} was deposited. I called the Bank of America claim department right away and spoke with XXXX. She filed a claim for {$7200.00} because the recepit says {$300.00} deposit was made.

I spoke with a representative at Bank of America on Thursday and she mentioned it could take up to 45 days until I get my money back. {$7200.00} is a large sum of money and I feel uneasy. So I called Bank of America claim department on Friday, XX/XX/XXXX, and spoke with XXXX in Arkansas. Before she picked up a phone, my calls kept getting disconnected and I had to be on hold 11-16 minutes each 2-3 times I tried to speak with someone.I demanded to speak with a supervisor but she said they are busy and the supervisor is answering other calls. I was talking with XXXX  for like 15-20 minutes about my situation and she kept saying her supervisor can not come to the phone to speak with me. According to XXXX, supervisor named XXXX put in the request to review on Monday but it could take up to 45 days. Its {$7200.00} not {$720.00} I am talking about!

The representatives I talked on phone said, Bank of America open up the ATM machines and count the money at least twice a week and its been 5 business days since the incident. Why do I have to worry about whether or not I would get money for 45 days? And the representatives kept mentioning the bank might or might not give me a temporary credit. Temporary credit? Temporary credit is not enough! Its Bank of Americas ATM error and its my money, {$7200.00}. This situation is totally unacceptable and I want my money back right away. Please assist me! Thank you.

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 2023-02-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In reviewing my credit report I noted a Loan in the amount of XXXX. As i investigated i found the amount of {$66.00} being paid by my credit card. I noted this payment went back to XXXX 2021. I send the credit card company that I work with all the information. I then called the actual payment credit loan company out of XXXX, ID. The company asked for my 16 digit account number or the Retailer where the Loan was made, but I can't get access to the account and the Retailer because I don't know the account number used or the retailer. I started working with XXXX  on this as well as the loan amount has brought down my credit score. I called my personal bank to see if they had information, that when I found the amount being paid from my credit card since 2021.

Company response to consumer: Closed with explanation