BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I repeatedly reached out to XXXX XXXX XXXX XXXX for the removal of a small medical debt. I provided payment and given multiple letters showing it removed and being deleted from credit report. 2 months later it is still reporting as a collection account unpaid. I have the cashiers check from my bank saying it was processed. I am very disturbed that XXXX XXXX XXXX XXXX would not at least show the debt as paid or remove it from credit bureau XXXX as promised in WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: MD
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 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: VA
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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX  XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in XXXX, XXXX, and Experian. XXXX XXXX is the Date account opened which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Second Flaw is the High Credit Amount which differs between XXXX and Experian ( {$2300.00} ) from the XXXX Report ( {$0.00} ) Third Flaw is the Last day reported on the account which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Fourth Flaw is the Last day Active report which differs from the Experian and XXXX ( XX/XX/XXXX ) report from the XXXX report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
I have tried to communicate to the companies involved through the XXXX  otherwise known as the XXXX XXXX XXXX and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects to my mental health, sanity, and well being.

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 2023-04-09
Company: EQUIFAX, INC.
State: NJ
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 has violated my federally protected consumer rights to privacy and confidentiality inder 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : Acct # XXXX, XXXX. XXXX XXXX : Acct # XXXX, XXXX  XXXX NJ XXXX XXXX Reference # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX : Acct # XXXX. 

XXXX5 U.S.C 1681 section 602 A. Section 2 : Its also states a consumer reporting agency can not furnish a account without 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase has closed my account Wednesday XX/XX/XXXX. I called them to ask why they have cancelled and Chase refused to give me an answer. They just told me that they have a right to not bank with me. I wanted to know the reason they closed my account and they didn't give me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I sent XXXX.XXXX, XXXX XXXX, $XXXX, via Pay Pal for a puppy for my daughter XXXX. So far I have not seen a dog. I have Emailed them and I have XXXX XXXX Instant messaged them. So far there is no response. Is there anything you can do to help me? I can’t afford to loose $XXXX On XX/XX/2019 I filed a dispute with Pay Pal, It was closed on XX/XX/2019 with no resolution to the problem!Transaction Date: XX/XX/2019Payment Amount: $XXXX USDRecipient: XXXX.XXXXTransaction ID: XXXXCase Number: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My problem is with Equifax, I have been trying to resolve this over a year now and they are saying they are fixing it but haven't and now it is effecting me purchasing a home. My middle name is incorrect and I have sent information they have requested to update it and they still haven't! I have called several times as well! So because my name is spelled wrong, I can't be identified, and because I can't be identified, I can't populate an accurate credit report. In order to get my credit score I have to call them or have them send me a current report which is very very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
they approve on one of the loans XXXX XXXX, but i wanted the XXXX XXXX  as this vechile with another XXXX  XXXX  was higher, i like if the could XXXX  on XXXX  and not the XXXX  if they could switch, so XXXX  would have a lower rate

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, has violated my rights. 

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

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2018-11-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Social Security : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Inquiries ) : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 
I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-09-30
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with INNOVATIVE RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact XXXX XXXX XXXX and all 3 credit bureaus about the inaccurate payment history on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: MI
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:
Unauthorized Inquiries on credit reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: DISCOVER BANK
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX and XXXX of XXXX we had several charges post to our account from XXXX who is a processing service for vendors in XXXX. At the time we were just starting our business and had lots of charges posting to several accounts in order to get our store up and running. Amongst the Chaos we must have approved in error a text asking for authorization on our Discover card from XXXX we thought it was for something else we were ordering for the store. Upon receiving our paper statements and reviewing them we realized we were charged over XXXX Dollars for several unauthorized charges to our account. We immediately disputed all the charges in question with Discover. The reacted quickly and issued a new card number for us and labeled all the charges in question as fraud and they were removed from our account in XXXX and XXXX of XXXX. Then in XXXX of XXXX Discover received evidence from the vendor that they shipped us XXXX  packages trying to validate the charges in question. We explained to discover that yes this merchant did do that but these were non items of value, 100 % not ordered by us or authorized and we rejected the shipments by XXXX and disputed the Import and Duty taxes by XXXX from this vendor as well. Discover in shock to us re instated the charges and re billed our account. We contacted the executive team at Discover in XXXX of XXXX assuring them we had give zero approval for these charges, that our card was in our possession 100 % of the time when this took place and this was a scheme and 100 % fraud. We explained to them about the rejected shipments to our billing address and how we were also disputing the duty and import charges with XXXX. The asked us to mail in and email all documents we had in regards to this case. We did that XX/XX/XXXX and faxed all information to XXXX at XXXX Ref # XXXX. We told the rep over the phone that in good faith we will continue to make the min payment due on the account so our credit rating was in good standing until the issue was resolved. She confirmed that was a good idea. Fast forward to XX/XX/XXXX we have received zero response to this matter by Discover. Our account has not been corrected for the fraudulent charges and we continue to make payments and are getting charge monthly interest for unauthorized fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 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 2022-05-03
Company: EQUIFAX, INC.
State: CA
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 submitting this complaint against the XXXX Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureaus are violating XXXX XXXX of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need the XXXX Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Zero Liability Protection on card.fraud was reported immediately and also spoke to Chase after calling the phone number on the back of my credit card in the morning and stating that my card had been stolen out of my possession and there were fraudulent charges. I also have the documentation showing that I made this call and that they sent me a new replacement card I should not be paying for this fraudulent charge chase says they can not find the phone call I showed on my phone records and I even have an email from them showing it. Why are they still trying to make me responsible for this? They cant make up the rules as they go! 
This Is Not A Duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: REGIONS FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Approximately 4 months ago I was suddenly unable to access my online or mobile checking account at Regions Bank. I have had the account for over 50 years. Since then I have called Regions at least 10 times without success. The attached letter will give detailed information.

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