BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: The Outsource Group, Inc
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am being charged for the same thing twice, once by the Doctor and once by the Hospital for an ER visit. 
XXXX XXXX XXXX XXXX XXXX - {$870.00} est. ( XXXX XXXX ) code XXXX XXXX XXXX XXXX XXXX XXXX - {$1700.00} est. ( Hospital ) code XXXX There was only 1 visit.. what is the diff between XXXX XXXX and XXXX? 
Simple XXXX XXXX, XXXX, XXXX  {$440.00} est. XXXX XXXX XXXX XXXX  ) code XXXX Simple XXXX XXXX, XXXX, XXXX  {$1100.00} est. ( Hospital ) code XXXX And plus Office / Outpt visit, new, XXXX  XXXX {$480.00} est. ( REP CC ) I went to the ER for a XXXX XXXX XXXX XXXX XXXX, got stitches  and that was all. How can the Doctor and the Hospital charge me for the same thing? 
The insurance companies EOB show these charges and my responsibility was for the full amount on it all. This is not a fair billing system and I should be able to get the double charges removed. No one is willing to work with me about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have a CD Account with Synchrony Bank Act # XXXX Due to FEMA disaster # XXXX XXXX, California, declared by President Biden. 
I need to use my fund early I have call XXXX XXXX XX/XX/XXXX, speak with Manager name XXXX. 
Not willing to 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 2021-01-26
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: Personal information incorrect

Complaint:
Address information is inaccurate on credit report and I was a victim of identity theft in the past. Would like all address removed and updated to current address

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 2023-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2023-07-04
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to TransUnion ( all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to TransUnion on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, TransUnion is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of TransUnion who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and fraudulent accounts would not be removed until an investigation was completed. TransUnion has violated my rights and federal law with their unscrupulous business practices.

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 2023-09-07
Company: EQUIFAX, INC.
State: CT
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 already disputed these items with the bureaus but they did not remove them nor prove validation. 

under sec. 602 i have a right to privacy XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Choice Recovery, 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:
I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

THESE 2 ACCOUNTS HAVE BEEN PAID IN FULL - TRANSACTION ID XXXX XXXX THERE IS A {$0.00} BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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 would like to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion, a credit reporting agency, for their violation of several federal laws designed to protect consumers and ensure accurate credit reporting. TransUnion 's actions are in direct violation of 5 U.S. Code 552a, which requires agencies to maintain accurate records and handle personal information responsibly. They have failed to comply with 12 CFR 1016.1 and 12 CFR 1016.4, which outline the scope of the Fair Credit Reporting Act ( FCRA ) and require prompt investigation of consumer disputes. Additionally, TransUnion 's non-compliance with 12 CFR 1016.7, which outlines responsibilities of furnishers of information, raises concerns about their failure to conduct reasonable investigations. They have also violated 15 U.S. Code 6802, which establishes guidelines for proper disposal of consumer report information. I have not received a summary of my rights under the FCRA, as mandated by 15 U.S. Code 6805. Furthermore, TransUnion 's inclusion of inaccurate and fraudulent information on my credit report, which falls under the exclusions of 15 U.S. Code 1681a ( 2 ), demonstrates their failure to ensure accuracy and integrity. Despite providing an identity theft report, TransUnion has not removed the information within the required four-day period, violating 15 U.S. Code 1681c2. Their willful noncompliance is subject to civil liability under 15 U.S. Code 1681n, and their negligent noncompliance is subject to civil liability under 15 U.S. Code 1681o. These violations undermine the trust and reliability of TransUnion 's credit reporting practices, and I urge the CFPB to take appropriate action to hold them accountable and rectify these violations. Ive included the previous FTC theft report in this complaint, and also the most recent letter that Ive mailed to Transunion, and have not had a response from 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 non-monetary relief
Consumer complaint received 2020-10-28
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am a federally protected consumer and Convergent Outsourcing Inc. has violated me under the provisions of 15 USC 1692. Please review attached documentation.

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 2023-09-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/2022 RQUESTED CANCELLATION OF LOST AMERICAN EXPRESS CARD. HAVE BEEN IGNORED SINCE XX/XX/2022. - CARD HAD OVER {$20000.00} IN EXPENSE 'S

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX 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 2024-01-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was charged off on XX/XX/2023 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.

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 2023-02-17
Company: Experian Information Solutions Inc.
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:
Don't belong to me, I don't have a contract with this company, it's inaccurate. account XXXX for {$570.00}. I requested original contract and debt validation letter.

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 2022-05-03
Company: Auto Trakk, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
To whom it may concern, I voluntarily surrendered my vehicle in 2018 due to the change in my XXXX XXXX and could no longer work due to XXXX XXXX I returned the car to Auto Trakk , LLC. in excellent condition as received. After reviewing my credit report, they have listed this account as derogatory on my credit report for a balance of {$5500.00}. 

I never received a Letter of Deficiency stating that I owed any additional balance. I have request them to please send me paperwork copies of proceeds from the sale of the vehicle in question and any documents relevant to remaining balance stated owed and/or if the balance have been written off please provide tax year and amount it was written off as bad debt. 

They are continuing to update the credit bureaus monthly after XXXX years to date, I find this disturbing. I advised Auto Trakk LLC., that if they cant provide me with the requested document, I request that they contact all 3 Credit bureaus to have this account deleted from my credit file within 7-10 days. I have sent them XXXX certified letters by mail requesting this information and I keep getting stall tactic letters stating in order to confirm your company information and to research this matter that I need to send them my last 4 digits of my social security number, address and phone number. I advised them they would and/or should already have this information otherwise they wouldnt have been able to responds to my request nor send me an email requesting payment. My certified letters had everything needed in order to research my request. their reply letter s nothing but a stall tactic. I have given Auto Traxx, LLC. adequate information to research my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: IL
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 accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Associates In : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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.

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 2023-02-13
Company: EQUIFAX, 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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer 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 XXXX US DEPARTMENT OF EDU As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Minto Financial dba Minto Money
State: LA
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:
Hello, I received this letter in my email saying that I have been denied for a loan that I have never applied for. Is this indication that someone is using my personal info in an identity theft matter or is this spam? Also, is this going to reflect a bad reporting on my credit record? Has this been placed on my credit record? Please help me with this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation