BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have made disputes to Equifax to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with Equifax, including an XX/XX/XXXX dispute through the CFPB about Equifax not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the Equifax XX/XX/XXXX dispute investigation. Equifax confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to Equifax by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem have indicated that nothing else matters, including the privacy of my medical information. 

Equifax has indicated as a result of the XX/XX/XXXX dispute through the CFPB that they require the data furnishers to certify that they have complied with the law regarding dispute results. Otherwise I received no indication from Equifax that the medical information that has been compromised and continues to be will be protected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions 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:
THE ACCOUNT BEING DIPSUTED DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS TARNISH MY NAME AND CREDIT FILE. I HAVE NO KNOWLEGDE OF THE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT FILE. PLEASE LOOK INTO THIS MATTER AND DELETE THE ACCOUNT.

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 2018-09-20
Company: Frost-Arnett Company
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Called me at XXXX on XX/XX/2018 Claiming that I owed {$110.00}. 
Is this " company '' a scam? 
I do not owe anything. I called the hospital, and my accounts are good. 

Offices in XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX XXXX  XXXX attempted to charge me almost be double for the XXXX XXXX XXXX I received. I only used {$600.00} on the card, but they ballooned the charges to {$1500.00} in XX/XX/XXXX, so instead of paying, I called to ask where did the other charges come from. In XX/XX/XXXX, I started back paying, but by XX/XX/XXXX, I noticed they did not take the other unauthorized charges off, so I stopped paying and ask them to settle this in court. 

Since XXXX they have reported this to XXXX XXXX, XXXX, Experian as a charge off. 
However when I tried to pay the actual amount owed on several different occasions by calling XXXX XXXX XXXX, they refused and stated the account was in collection. 
I called the collection agency, they said they sent it back to XXXX XXXX XXXX. 
XXXX XXXX XXXX stated there was nothing they can do, not even accept my payments of the actual amount owed instead of the bogus inflated charges XXXX XXXX, XXXX, and Experian have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights.

Under 15 USC 1681 section 602 States that I have the right to privacy.

Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-05-10
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XX/XX/2019 statement requested a minimum payment of {$250.00}. Which I paid. Discover then charged me {$260.00} in interest for that month. How can they not apply any part of my payment towards my bill? Is that legal. I have good credit. XXXX according to discover, can they just keep raising my interest fees for no reason. I have never had a late payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion has not received written instruction to furnish a consumer report on my behalf in doing so Transunion is actively committing identity theft

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-04
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX ACCT # XXXX .... Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX .... Balance : {$1000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX L XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-09-23
Company: CITIBANK, N.A.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This issue with with Citibank, N.A., XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. 

RE : Home Depot Credit Services and Best Buy Credit Services Citibank is the issuer for both of these branded credit cards, however, Citibank does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond Citibank. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( Best Buy ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report. 

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.

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 2023-05-24
Company: Experian Information Solutions 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
TD Bank 's Cash Credit Card has continuously locked my card without my permission. The bank does not allow me to change my address over the phone, everything must be done in person. 

I made a two accidental payments on my card. 
I asked an employee to reverse the charge. This was done. The funds were then left on my account. 
Then company then proceeded to charge me hefty interest fees and late payments in order to obtain the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
1. A nonprofit organization where I am the checking account holder with Bank of America, we received a XXXX  first draw loan through Bank of America in XXXX. 

2. We are eligible for loan forgiveness through the federal government and BOA finally made the portal available again a few weeks ago, but we are having trouble applying. Specifically, when we attempt to log in to the BOA loan forgiveness portal through the link provided to us by BOA in the repeated emails they have sent us, it states that we have no loan associated with the userid ( XXXX ), when in fact we do have both a first and second draw XXXX loan associated with that ID. 

3. On XXXX XXXX, XXXX, nearly a month ago, I called Bank of America regarding this apparent Online ID issue preventing us from applying for XXXX loan forgiveness. I spoke with XXXX, who created a case, XXXX # XXXX. 

4. Unfortunately, we have not heard back from the XXXX created on XXXX XXXX, XXXX with BOA. We are eager to put in our application for XXXX loan forgiveness and we keep trying to use the link to log in, even as recently as today, but it still isn't working.

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 2019-05-10
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:
XXXX XXXX  XXXX refuses to remove this account they claim I was paying with a XXXX XXXX checking account which I never opened up and have proof also credit first has confirmed this account as fraud already yet they still report it on my Equifax report and XXXX XXXX loan is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX XXXX I terminated my total services with XXXX, and returned all of their equipment to their local office. The local office told me that I would receive a credit and would be mailed a Final Accounting by mail which I never received. I continued to look at my on line account and saw various charges appear changing from time to time with no explanation. 
On XXXX XXXX XXXX, I called XXXX accounting dept. and had a phone recorded conversation with a representative who referred to herself as XXXX. After much discussion, she told me that the balance on the account was XXXX Thinking it was settled on XXXX XXXX, XXXX I received an inquiry from a collection agency XXXX XXXX XXXX XXXX ( XXXX ). I responded in writing and sent them documents. Did not get a written response and then called them and they said they were still processing and would get back to me which they never did. I then saw they had contacted XXXX to affect my excellent credit rating. I disputed it with them XXXX XXXX XXXX  and after their investigation it was deleted from my credit report. No further inquiry from XXXX. 
In XXXX. I received another Written inquiry from another collection agency XXXX  Accounts System ( XXXX ) about the same issue. I responded by mail with the information I received from XXXX and since have received numerous phone calls from XXXX  which I have not responded except to tell them to respond to my written reply. To date no written reply. 
To date no one has ever responded to the discussion I originally had with XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Company: Experian Information Solutions Inc.
State: NC
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-17
Company: HARBORONE MORTGAGE, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Harbor One Mortgage, LLC. My sister passed away from XXXX. I'm her executrix. Nothing but problems on closing. Neither lawyer kept me in the loop which is also upsetting. I was told closing was XX/XX/21. Didn't close until XX/XX/21. Payoff amounts wrong. Payoff didn't arrive at Mortgage co. Until XXXX. They pulled XXXX mortgage payment. Getting run around. I'm told now I must wait until XX/XX/21 at earliest for a response regarding reimbursements. They won't tell me who is responsible for extra interest on loan which was not my fault. Terrible process and almost impossible to get a person on the phone..all prompts all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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