BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please fix these items and correct the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2021-05-19
Company: EQUIFAX, INC.
State: TX
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:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Security Credit Services, LLC
State: SC
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The complaint is that my credit card accounts are being returned when I paid them off. I believe I am a victim of identity theft and the person is using my credit card accounts to take money off once I have paid the bills on them. It has affected my credit as well, with the recent drop in a credit score of XXXX points from all three agencies. The money has not been sent back to my bank account and I have checked multiple times in my account. The funds have not been returned. I have been getting fraud numbers from credit card companies posing as credit card companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: IN
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 have tried multiple times to have Experian remove an improperly reported debt from XXXX and they again reported that it was in collections as of XXXX ; Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Government Overpayment Experian is reporting it as : Balance on XX/XX/XXXX Loan Amount {$1200.00} AND XX/XX/XXXX C ( collection ) Status date XX/XX/XXXX I have disputed this with them XX/XX/XXXX and again XX/XX/XXXX and instead of fixing the problem, they reported that I made this debt XXXX of XXXX and I can only assume this was to be malicious. I do have the proper paperwork stating that the account was paid in full as of 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 explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to receive a bill that was accrued during a time where my medical bills were covered via Medicaid due to a serious XXXX, inability to work and months of treatment. I have called and sent them the Medicaid number as well as faxed them proof of coverage several times and they refuse to accept the fact that the bill should ID covered by Medicaid. They tell me thank you and the issue will be resolved, however, I continue to get a bill. Also, each call to them they tell me they are unaware of the Medicaid coverage in spite of me sending and informing them of the information several times over the course of a year. This is harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: American Coradius International LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete the account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all-natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: FL
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 was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights.

NEGATIVE ACCOUNTS : -XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I can not identify the following information appearing on my credit report : XXXX XXXX XXXX Type of Industry : Other Collection Agencies Account Number : XXXX Address:XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone Number : ( undefined ) undefined

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 2019-07-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of last year XXXX XXXX XXXX posted a debt to my credit file of more than {$6000.00}. I never agreed to or signed anything accepting this debt. I disputed the debt the correct legal way with XXXX XXXX XXXX who could not validate the debt but instead sent me a letter saying they would remove the entries from all three major credit reporting services. I then sent the letter from XXXX XXXX XXXX along with a demand to remove to all three credit bureaus and all three refused to remove this debt from my file and it is still there. I am demanding all entries related to XXXX XXXX XXXX or XXXX XXXX be permanently removed from all three major credit reporting services immediately. I do not owe this debt. Also, this company is under investigation from the Texas Attorney General 's Office. I have tried numerous times with Equifax, XXXX and XXXX to get this line item removed and they will not take it off. When I was sent the approval letter for XXXX XXXX XXXX, I was only approved for {$3000.00} so how in the world is there a debt of over {$6000.00} on my credit report?! XXXX XXXX XXXX nor XXXX XXXX were able to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Freedom Mortgage Company
State: TX
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 refiling this complaint to FREEDOM MORTGAGE CORP for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in 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 2022-07-12
Company: S & S Recovery, Inc.
State: FL
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:
S & S Recovery has violated my rights. I am aware of all rights that I have, and which are protected by Congress under the FCRA and FDCPA. I still have not received any communication from S & S Recovery on how to dispute this matter in their office. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1692g ( b ) and 15 USC 1681.

S & S Recovery you have completed your investigation and while under an active dispute process you did not cease reporting 15 US Code 1692g ( b ) but have sold it to other reporting agencies, including XXXX, XXXX, and XXXX, and have requested for the account to be updated to reflect S & S Recovery ( alleged findings ) I did not grant S & S Recovery permissible purpose to obtain the information and report it. 

I have additional questions pertaining to Your investigation? Did you talk to my neighbors, friends, and family? If so, I have a right to the investigation report. so please inform me with whom you completed the investigation. Also according to FCRA, you have violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : S & S Recovery Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reported this account because of the unfair reporting of this. This medical bill was purposely reported as the original claim amount, not what was the balance after the insurance company processed the claim. Regardless of the bill being paid or not the amount of the bill was XXXX, with the new laws passed by President Joe Biden ( XX/XX/2023 ) all medical bills XXXX and under would be removed from credit reports. The only way it could stay is if the original balance was over 500.00 ( and that is what they did ). With this being said the company LRS should not have access to any information from my insurance or medical information. This violates HIPPA! There for the original amount of the procedure and what my insurance paid should not be provided to anyone. The fact that they intentional reported the wrong original balance to keep this on my report is wrong. This is unfair practice of debt collecting, and its wrong. The bill original amount, after the insurance processed it, was XXXX. I have the explanation of benefits. When a medical office bills an individual it is what you owe after insurance.

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 2023-02-02
Company: American Credit Acceptance, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
They are saying I am 90 days past due, they are saying I owe XXXX. I made a payment last month. When I got the car repossessed the first time I paid over {$2000.00} to get it out. How did over {$1000.00} in fees get accrued from that time. I paid {$2000.00} XX/XX/XXXX and have been making payments ever since. It seems that the money is not going to the principal or payment that is due. I am under constant threat of repossession and have they have yet to explain what these fees are for. When its said and done I will be paying XXXX for a XXXX car and I wonder where all my payments went if I still owe that much. Something is going on and its isnt right. I am an XXXXXXXX XXXX XXXXXXXX veteran and I feel I am being discriminated against and taken advantage of. This situation is making my conditions worse. Stressing over something that I know isnt right. I seek justice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2019 phh mortgage company took a XXXX payment out of my account after I had sent a XXXX amount as needed for my monthly payment. since they took over in XX/XX/XXXXfrom ocwen which I had a bank draft of XXXX  due on the XXXX of each month. when I saw it had not been taken out I did so. but so did they so it over drafted my account over XXXX dollars. on the 1XX/XX/XXXX I called to have them fix this issue and was told it take 7 working days so nothing so again on XX/XX/XXXX I called was on line 45 minutes waiting to talk to someone they told me it be done asap and so again I waited a few days later I get a letter from them letting me know again 7 working days so even with the fact I had to borrow money to cover bills. then on XX/XX/2019 they took another XXXX out of my account. so I called and asked where was my money and again I'm given it was a miscode and it will be handled asap I've spent over 3 hours waiting or talking on the phone and as of this letter XX/XX/2019 I have no money in bank I'm also XXXX out in overdraft fees due to there mistakes and failure to refund my money. I understand folks make mistakes however how long does it take to fix this?????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2023 I received a copy of my credit report and I noticed 3 accounts that are listed on my credit that are not mine, and I never applied for and never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account name : XXXX XXXX XXXX XXXX Account number : XXXX This company is in violation of 15 USC 1666b - a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. Under 15 USC 1681S-2 Responsibility of furnishers may not report late payments during COVID-19. All late payments need to be removed immediately and display status PAID AS AGREED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX  This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately.

These companies listed are in violation. Under 15 USC 1681 section 602 A, I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Stellantis Financial Services US Corp.
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 status incorrect

Complaint:
Account name and account # XXXX Has violating my rights The review of 15 U.S.C 1681 section 602 A. Stated. I have the right to privacy.

Also section 15 U.S.C 1681 section 604 A. Section also states A consumer reporting agency can not furnish a accord without the written instructions.

Also 15 U.S.C 1681 section 15, stated The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

By the provision of the Fair credit reporting act. I demand that these items be investigated And removed from my repot immediately With that being said the above company is in violation of my rights in therefore should be deleted from my credit report 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 2023-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America, XXXX, XXXX, XXXX XXXX XXXX I recieved a email said my account password was reset. But I did not do that. 
I found my mobile number has been hijacked, I have no signal on my phone. 
I called band immediately, using another phone number, but the line can not be connected ( wait forever. ) XXXX, XXXX, XXXX XXXX XXXX I arrived Bank of America XXXX XXXX XXXX reported to the bank agent that my account is in dangeor and I request to freez it. 
They let me wait for 5 mins, then led me to a room to make a phone call to their service center, but It still wait forever. 
Then they led me to another office and opened my account on their computer, and they said there is no transaction so my account is OK. I thought by that time my account was frozon. But later I know it was not. 
I ask them is my account safe now? 
They said yes. 
XXXX, XXXX, XXXX XXXX, I received a email said {$3000.00} was send to a person named XXXX XXXX. 
Then the agent start to make phone call, he wait for the conection about 40 mins. changed 3 lines. Then they finally got someone answered. Then they give the phone to me, and record it as a fraud claim. 
They said they need 48 days to investigate and I still have chance to loose my money. 
I can not accept this...

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