BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an XXXX  XXXX on XX/XX/XXXX at XXXX XXXX XXXXXXXX and paid {$1700.00} out of pocket and my insurance paid {$930.00}, leaving a balance of just {$0.00} on attached follow up bill dated XX/XX/XXXX. I have several follow up visits from XXXX till I moved out of the state on XX/XX/XXXX and at no time did I receive any additional bill. I received a debt collection letter from Harris & Harris , Ltd dated XX/XX/XXXX stating that I owe {$100.00} to The Trustees of XXXX University in the XXXX XXXX XXXX XXXX. I'm disputing this debt as it violates the surprise medical bill Act because it is an unexpected bill from an out-of-network provider or at an out-of-network facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On or around XX/XX/XXXX, I disputed eight ( 8 ) inquiries ( XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ) with Experian communicating that I had contacted each company directly and they could not provide me with any information regarding the above referenced inquires. Experian failed to investigate the inquires and delete and remove them as required.

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 2023-10-14
Company: Zip Co US Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Zip formerly known as quadpay is terrible, they will not move payments when it comes to hardship!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: W&A Intermediate Co., LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an open account right now for XXXX and this is from some sort of medical service. It originated from XXXX XXXX California and I have never received a bill from this original company but it's in collections? I have always had medical insurance regardless and this is not something that I should be charged for or that I owe. I have attempted to dispute this charge multiple times since I do not owe this money. All of medical bills have always been covered by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: CO
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, with original XXXX XXXXXXXX for XXXX is still showing on my credit report, when I have consistently reported information incorrect, and due to possible fraud. It needs to be removed immediately, otherwise I will take legal action. 

The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after confirmation of errors. 
A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-10-13
Company: LEXISNEXIS
State: MA
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:
LexisNexis you state in your re-investigate dated XXXX XXXX  that you have received the information from lien, judgment and civil filling records and determine that the data being reported is accurate. LexisNexis stated that research was conducted with the following source, XXXX XXXX Register of Deed, XXXX Ma. 
I have contacted the the XXXX XXXX register of deed and they responded that they DO NOT report these records to any credit reporting agency. I have attached a copy of the letter from the XXXX XXXX Registry of Deed with the section pertaining to my dispute highlighted for your review. LexisNexis did not re-investigate my dispute with the original furnisher XXXX XXXX Registry of Deed. LexisNexis has violated the FCRA by continuing to report inaccurate information after I had stated multiple times in my dispute that the information is in fact inaccurate. Please see attached response letter from XXXX XXXX Registry of Deed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: CT
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:
There are several incorrect Accounts on my consumer report. I contacted the 3 Credit Bureaus about it and it was said that the information is correct and i should contact the Creditor. I did and had no resolve about the issue. I was asked to contact the bureaus about it. On several attempts I was sent back and forth without any resolve of this issue. 

I contend that a charge-off is deemed an income and should not be reported on the credit report as a debt.

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 2023-01-21
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:
This creditor is in violation because they were to notify me of this by writing in 5 days prior I was not. As the original creditor only I can validate this debt. Also, This inquiry is unauthorized and fraudulent. Please delete it at once. 
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 2021-04-17
Company: Experian Information Solutions 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:
My bank accounts were compromised, part of the money from both accounts was stolen, it was applied for more than 15 debit cards from different banks and it was applied for a personal loan in XXXX that is reported in my credit report and I can not contact this company

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 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with XXXX, Transunion, and XXXX, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, Transunion, and XXXX to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by XXXX, Transunion, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.

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 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Capital One bank initiated a two-day early direct deposit for my checking account without my prior knowledge or consent. When I called the bank to determine why my direct deposit was two days early, I was informed that my account qualified for the new program and I was told that every two weeks, I would receive my direct deposits on Wednesdays instead of Fridays from now on. In early XXXX however, I began having issues with not receiving my deposit on Wednesday mornings as I previously had been and the deposits began arriving later in the day, or even the next morning. I called the bank several times and was told there was no guarantee with the two-day early direct deposit of which day I would actually receive my deposit. It could be Wednesday, or Thursday or Friday. After several weeks of inconsistent deposits, they did get back on track and arrived in my account each Wednesday afternoon. Today, XX/XX/XXXX, my normal payday, I have not yet received my direct deposit and was just told by a " manager '' of Capital One that IT is aware of the issue and can't do anything. I may receive my deposit by end of business day, or it may be tomorrow. 

Capital One has had nearly a year to detect and resolve this issue, and has failed to do so. It is not right that they are making customers wait more than their allotted pay periods and they are messing with our livelihood. It is not fair that I have to wait more than two weeks to get paid because Capital One has IT issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Arbor Professional Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit file, I noticed that I have two accounts listed on my trade lines from Arbor Professional Solutions. The fair credit reporting act requires that debt collection agencies give consumers the right to dispute any alleged debt and the company are required to validate the debt ... this company did neither I never received the right to dispute this account nor have I received any correspondence in the mail regarding this account. By law this account should not be listed on my trade lines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became a victim from XXXX/broker " s name [ XXXX XXXX ] whom was attempting to bring his legal secretary to my front door and said that he wanted to close home refinance loan since I was already cancelled this loan. He force me by said : XXXX you will pay same amount $ XXXX/month for 5 years or 60 months and I did not have time to review all documents. Based on good faith he was indicated with an interest rate 1.250 % 2. Then he sold this account to second XXXX XXXX XXXX on XXXX/XXXX/2007 after he took over {$7.00} thousands dollars on closing cost more than it was indicated on GF copy. 3. Then second XXXX XXXX XXXX Servicing re-sold my account to Aurora Loan Services on XX/XX/XXXX with original loan {$240.00} to become principal balance= {$240.00} after six month payment that I paid toward the end of 5 years aka 60 months and remained 54 more months to complete my terms. 
Note : I had planned to refinance to fix rate before my term up. 
Suddently Aurora Loan Services was illegally jumped my monthly mortgage payment from {$790.00} to {$2600.00} right after three [ 3 ] years as well as changed my interest rate without my knowledge. Since I was paid and owned this property since XX/XX/XXXX and never missed any payment from bank to bank when numbers of banks tried to merge together. 
I am work hard for my family to raise my children alone, I used to work XXXX jobs to maintain my life. For more detail including their addresses I will submit when requested. 
Please assist me to go through this upside down mortgage principal was created by Aurora Loan Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Grain Technology, 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 status incorrect

Complaint:
Account Grain Technology Inc Account # XXXX This company continues to report my payment as late when I can not access the account to make payments. I have submitted several inquires on their website and have submitted several disputes with XXXX and XXXX which they have not responded at all however the account is still on my report and still being reported late. You can only make a payment on the mobile app with this company. They do not provide a mailing address for payment and their XXXX # ; XXXX does not give you the option to speak to an agent to resolve the matter. With every attempt for the last 2 years to log in to make a payment, I have received an 'Account cancelled '' error message. When the account is disputed they become upset and close or block the account but never respond to the disputed inquires or correct the late payments due to their negligence. This account needs to be removed and delete immediately for the lack of responding to dispute beyond the 60 day time frame and continuing to fraudulently report the account as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
There was an interest rate increase on my Chase Credit Card ( XXXX XXXX XXXX XXXX ) to XXXX ( XXXX ). I have an XXXX credit score and I do not accept this rate increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TX
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:
The applicable provisions of the Fair and Accurate Credit Transactions Act of 2003 ( FACT Act ), Pub. L. 108159 117 Stat. 1952, shall be effective in accordance with the following schedule : ( 1 ) Provisions effective XX/XX/XXXX. 

I have already disputed these items with the bureaus, but they did not remove, nor prove validation. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX account XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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:
Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the XXXX, Equifax and XXXX  regarding this and they still haven't remove these accounts from my profile. Also, there are a handful of credit inquires on my credit that i did not authorized. This is affecting me from getting my house for me and my kids. I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license

Company response to consumer: Closed with explanation