BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules .

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive called Wellsfargo to ask why was my XXXX draft so expensive when i had not overdrawn

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 2023-01-23
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For months the company continues to take unauthorized payments from my checking account. I have an automatic payment set up for a certain amount and they keep taking out more than that amount. I have called and have been told repeatedly its fixed and it continues to happen.

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 2023-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
On XXXX, alleged debt purchaser, Portfolio Recovery Associates, placed a negative collections account on my credit report for {$580.00}. Original creditor is identified as XXXX XXXX XXXX. Last year, I filed disputes with the major credit reporting agencies including XXXX about this account which I believe is the result of a computer error. My dispute requested transaction and payment ledgers, with dates, starting with a running balance of zero to prove the stated balance and date of delinquency. On XXXX, XXXX agreed to delete the account from my credit report with all credit reporting agencies because it was unable to produce the requested debt verification documents. I do not believe XXXX could or would have sold the debt to anyone under these circumstances. To date, Portfolio Recovery Associates has not responded to my requests for the same debt verification documents, the written assignment of rights, bill of sale, credit agreement and all receipts and documents that prove the chain of ownership of this account between XXXX and Portfolio Recovery Associates. My XXXX score dropped XXXX points today after this account was placed on my credit report. As an attorney, I believe PRA 's action of placing this on my credit report today violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Ohio Consumer Sales Practices Act, among other statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
State: VA
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:
Spoke to XXXX rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.

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 2023-09-25
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was summons to justice court in XXXX of XXXX attorney had false information.the judge gave the attorney for the claimant 30 days to provide legal documents. The attorney did not show back up but lady from XXXX XXXX stood up and said this dept has been paid.the judge dismissed the case aginst me.now its up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: OH
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:
I have two inquiries on my Equifax credit report that are inaccurate. One is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX '' and the other is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. '' I did not authorize these inquiries and I have no accounts or lines of credit with this entity. This is likely fraudulent, or it must be an error of some type. I disputed both of these inquires with Equifax on the afternoon of XX/XX/XXXX, and my dispute was listed as " resolved '' as of XXXX XXXX on XX/XX/XXXX. Both disputes were denied with minimal explanation from Equifax. Based on the speed of the denial and the lack of transparency, it is clear to me that this dispute was not properly investigated by Equifax. This is ridiculous and disappointing that I have two potentially fraudulent inquiries on my report and I have essentially been told " oh well, that is your problem '' by Equifax. There needs to be greater accountability on the credit bureaus to ensure that their information is accurate since it has such a huge impact on the financial health of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: OK
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:
I have previously disputed the bankruptcy being on my credit report twice. Both times the bureaus advised the information was verified by the court. I sent a letter to the bankruptcy court in XXXX asking if they reported a bankruptcy to the credit bureaus and to provide proof of verification. The court responded saying that they do not provide verification to any company or credit bureau about bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CBC Companies, Inc.
State: WA
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 have an unauthorized inquiry from Factual Data XX/XX/2020 on and XX/XX/2020 on my XXXX, XXXX  and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to provide an overview of the credit reporting disputes I have encountered and the actions taken, which involve the following companies : XXXX TransUnion XXXX XXXX XXXX XXXX Please note that I have included delivery information for each dispute to demonstrate my efforts to resolve these issues. 

XXXX Disputes : On XX/XX/2023, I mailed my initial dispute to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent a follow-up dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
TransUnion Disputes : On XX/XX/2023, I sent my first dispute to TransUnion, and it was delivered on XX/XX/2023. 
On XX/XX/2023, I submitted a second dispute to TransUnion, which was delivered on XX/XX/2023. 
XXXX Disputes : On XX/XX/2023, I mailed my second dispute related to the XXXX XXXX  account to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent another dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
XXXX XXXX XXXX Dispute : On XX/XX/2023, I submitted a dispute regarding XXXX XXXX XXXX, and it was delivered on XX/XX/2023. 
In each of these disputes, I have consistently requested verifiable proof to substantiate the accuracy of the accounts in question. Specifically, I have sought either an original consumer contract with my wet signature or a certification from the creditors confirming the accuracy and completeness of the account information. 

Despite my persistent efforts, the responses I have received have not adequately addressed these concerns, and proper validation details have not been provided in accordance with the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in facilitating the resolution of these disputes, as they have adversely impacted my credit standing and financial well-being. I believe that my diligent efforts, supported by delivery confirmations, demonstrate my commitment to addressing these issues. 

I understand that you may require additional personal information to assist in forwarding my complaints to the relevant companies, and I am prepared to provide such information as needed in compliance with your guidelines. 

Thank you for your attention to this matter, and I look forward to your guidance and support in resolving these credit reporting disputes effectively. 

Sincerely, 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 2021-01-09
Company: EQUIFAX, INC.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was settled with the originating creditor prior to being put in for collections. I have not signed a HIPAA release form authorizing this third party creditor access to my medical information and a HIPAA complaint will ensue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: PA
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 have been disputing this XXXX XXXX account since XX/XX/2023. I recently received a letter on XX/XX/2023 from XXXX XXXX stating that per their investigation, they have the understanding that the account was not opened by me and that i wasn't being held accountable for the account. The stated that they were contacting the credit bureaus to delete the information off my credit file. The account was deleted by all 3 credit agencies, however it has been placed back on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/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 explanation
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
I submitted disputes with Transunion on XX/XX/19 and XX/XX/19. On XX/XX/19, I received a copy of my credit report and confirmation that they received my letters in XXXX. As of today, I haven't had any mail from Transunion in regards to any of the disputes. It has been over 30 days. I have a copy of all letters that were sent to Transunion.

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 2020-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
On XX/XX/2020 my bill on two Capital Bank cards did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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:
Hello, I am asking to reinvestigate the accounts that are not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you delete them. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2023-09-18
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I still have yet to receive a response to an contact form inquiry I submitted to Edfinancial Services on XX/XX/XXXX. I have not seen the corrected balance on my account after speaking to a customer service representative. An incorrect balance has been showing on my account as of XX/XX/XXXX. Prior to this date, the amount was correct. My account displays an " adjustment '' of {$8300.00}. This is the exact amount paid from my Federal Employer via check as of XX/XX/XXXX. This adjustment wrongly increased the total current balance, now at {$12000.00}, including interest which has been accruing based on this balance. My most recent payment ( via Employer ; XX/XX/XXXX ) applied to the principal and interest, that would not have accrued at the rate it has been, based off of an incorrect account balance. I have requested Edfinancial Services to adjust my loan balance, as well as recalculate/adjust interest based on the correct total. I reached out on XX/XX/XXXX via a contact form, as well as called numerous times until reaching a customer service representative on XX/XX/XXXX. I was not guaranteed a resolution. I have yet to receive an account adjustment and poor communication from the servicer will not allow me to be notified if my account is ever corrected. I have offered to provide documentation as well as record of previous payment history.

Company response to consumer: Untimely response