BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: NJ
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:
This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and the completeness of the information is hereby requested to be provided within ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated responce or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

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 2022-10-05
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 multiple errors and so inaccurate... balances and dates are totally off... therefore according to 15 USC 1681 THE credit bureaus have the responsibility to report maximum possible accuracy of the information concerning the individual about whom the report relates otherwise the report is invalid so please delete it thank you. or pay {$1000.00} fine per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Apple bank in XXXX XXXX keeps on closing their doors due to corona. They are an essential business and their customers need access to the bank especially in these trying times. The last thing we need is additional stress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please help me. Ia attached my driver 's license, proof of address. I need your help to remove this as soon as possible.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a Wells Fargo customer and I read an article that said they may owe me money from a. Fault on their end.

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 2023-01-20
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: NY
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:
am writing this letter to request that you remove the following accounts listed below due to multiple late payments and inaccurate information reported, which is a clear violation of my rights and has had a detrimental impact on my credit score, significantly decreasing my chances of being approved for homes and credit. I request these accounts be deleted within four days of receiving this per 15 U.S.C 1681 c-2. Ive disputed these accounts several times, and they continually came back as verified with inaccurate information, violating 15 U.S.C 1681i. 



XXXX XXXX Experian states the date opened on this account was on XXXX XXXX but XXXX reported the date opened as XXXX XXXX ; Experian also shows that the date last active on this account as XXXX XXXX but yet XXXX reported the date last active on XXXX XXXX. Experian is reporting the date of last payment as XXXX XXXX while XXXX reported date of last payment as XXXX. Lastly Experian is reporting a date of last payment on XXXX XXXX but reporting a charge off for XXXX in the payment history. 

XXXX XXXX Experian is reporting the Date Last Active as XXXX XXXX while XXXX XXXX last active XXXX XXXX and XXXX reported it as XXXX XXXX ; Experian reported the Date Last paid on XXXX but reported the account as 30 days late on XXXX in the payment history. Experians payment history is reporting this account as charged off from dates XXXX through XXXX, while XXXX payment history is reporting paid as agreed from the dates XXXX to XXXX. 

XXXX XXXX Experian reported the date last active on XXXX XXXX when XXXX reported the date last active on XXXX XXXX ; Experian reported the Date of Last Payment on XXXX XXXX XXXX XXXX Experian reported the Date Last Active on XXXX XXXX but XXXX reported the Date Last Active on XXXX XXXX. Experians payment history is reporting the account as charged of on dates XXXX and XXXX but reporting the account as paid as agreed on XXXX for the dates XXXX and XXXX Please remove these inquiries listed I have no knowledge nor did I authorize a pull from these companies XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Please accounts 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 : States A consumer reporting agency can not furnish an Account without my written consent 15 U.S.C 1666B : States A creditor Can not treat a payment under a credit card account, Under an open in consumer credit plan as late for any purpose. Please delete these accounts immediately this has detrimentally impacted my fico score.

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 2023-01-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continues to report on my credit report despite written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CREDIT ACCEPTANCE CORPORATION
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:
CREDIT ACCEPTANCE CORPXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-03-21
Company: SLM CORPORATION
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been submitting payments to Sallie Mae. However, they keep sending me letters saying that the Account has not been found. Then, they send me overnight letters stating that my loans are about to default, despite me trying to submit payments. 

If the accounts can not be found, they can not default. If they will not accept payments, they should not be allowed to let the loans default, sell them, and profit off of my suffering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: NY
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX AV XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX  XXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX, XXXX. XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX  Original creditor XXXX XXXX XXXX BANK XXXX XXXX opened XX/XX/XXXX Balance {$1600.00}.

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 2023-01-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} ; XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2017 Balance {$420.00} ; XXXX XXXXXXXX Date opened XX/XX/2017 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 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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted 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 2021-06-29
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a problem Barclays XXXXXXXX XXXX credit card. They are charging me interest and late fees and I am sending the payment 15-16 days in advance. I have had this credit card for ten years and SUDDENLY this in an issue. I think they are indeed receiving it in time and just assessing fees at random.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: MD
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 explanation
Consumer complaint received 2022-03-21
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After the amount owed was removed from my credit, I have received debt collection letter from two other collection agencies... My Personal Health information is being sent from one collection agency to the next, I will report each and every collection agency that tries to contact me after reporting Medical Revenue Services. I did not authorize my information to be passed from one collection agency to the next.

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: EQUIFAX, 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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Information belongs to someone else

Complaint:
This is my XXXX  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 an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-03-21
Company: Albert Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an account with Albert, a company in connection with XXXX XXXX. I used them for months without issue and then I started losing deposits. At first it was my direct deposit from my employer and I thought this was a mistake on my payroll provider. Until a week later where I did not a receive a refund deposit from my school either. When trying to reach Albert support was unhelpful. They can only be reached through text and gave me a run around involving what happened to my money, stating that they see know deposits from either. I have deposited money into this account from both multiple times over, this is not a routing number or account number error. Im doubting support even truly has access to accounts, they didnt ask any verifying information about who I was. Im heading in the direction of going to court.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
REF : HRRG POTENTIAL EXTORTIONARY ACTIVITY-MAYBE FRAUD I received a letter from a company called Healthcare Revenue Recovery Group LLC ( See copy attached herein ) dated XX/XX/2022 claiming I owe them. I sent them a letter requesting the name ( s ) of the physicians and services rendered XX/XX/2022. They are yet to respond to the letter. 

I am paying the bills that the treating hospital validated as truly mine, after the CEO of XXXX XXXX responded to my letter. I have a payment arrangement that I make every month to the tune of {$400.00} and another {$120.00} to Radiologists on a payment plan. 

Reason why I write to request your assistance is the fact that Ive been informed that these bottom feeders insert this erroneous information into consumer credit reports. That would have devastating effect on my credit as I am on the cusp of home purchase this year please kindly help me. 

XXXX has not confirmed that I owed these amounts and XXXX hasnt confirmed it either. Since HRRG is refusing to prove I actually owe said debt and to whom, I do not want to be a victim of insurance fraud as Ive read recently about them. 

I would be grateful were you able to help me validate this so called debt from them, since they will not respond to my written request for validation. It would help me know and make informed judgment about how to make payments if I have to. 

A prompt and positive response to this request for your kind assistance is most thankfully anticipated. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo took funds without notification

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 2022-03-21
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had received a letter saying that I have a debt from XXXX XXXX saying that I owe money, when I dont live in the places that XXXX XXXX services to and I dont have any phone bills or bills in general with them. I live in california and the only bill under my name that I pay for currently is my only credit card bill ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation