BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: HCFS Healthcare Financial Services of TeamHealth
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 received a letter of debt collection from a company named HRRG, who claimed to collect  XXXX  amounts of medical debt on behalf of creditor  XXXX   XXXX   XXXX .  XXXX  in total of {$64.00}.     My son did go for an emergency visit on the date listed in the letter, however if my memory does n't go wrong, my son was covered by the medical insurance, and I have paid the out-of-network part with my credit card in the hospital.     I have not received any phone calls or letter from the hospital after the visit almo st six  months ago. Hence I did not know what this letter comes from, especially they did not state the specific provider and the location of the service.

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 2021-12-04
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I did an international wire transfer in the amount {$2800.00} from my Citi bank checking account to XXXX XXXX XXXX XXXX Bank, .located at XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. 

On XX/XX/2021, money was posted and removed from my account. 
Up till today the recipient XXXX did not receive the amount {$2800.00} over one month and half now and the money has not been returned back to my account as I requested. 

Please I want them to pay my money back or return it from wherever they sent it to because my supposed recipient did not receive the money

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 2023-10-01
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 am writing to bring to your attention a matter concerning Equifax and the inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report, and as of the present date, they have not responded. I am seeking your assistance in addressing this issue promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). The following are the details of the inaccurate information and the required corrections : Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX/DOFED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} This account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX  Date Opened : XX/XX/XXXX Balance : {$520.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Please remove this account from my credit report as it does not belong to me. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Please remove this account from my credit report as it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so all relevant items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused to me. My information was also i pacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: NJ
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 is fraudulent account which needs to get removed from 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 2023-10-25
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-11
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX hyundai finance cashed our check to payoff our vehicle. Included with the check was the odometer statement which the company claims they never received. They state they need the odometer statement to release our lien. We have faxed this statement 50 times since then. We have called them over 10 times ( which their prompt says is recorded? ) weekly.

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 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Four years ago, in 2019, I asked Capital One to close my XXXX Money Market checking account ending XXXX. CapOne has nevertheless kept my account open all this time, while preventing me from accessing my balance. I complained to CFPB previously ( see Complaint ID XXXX, attached for reference ), to no avail. Recently CapOne had the gall to notify me that due to lack of account activity for 24 months, CapOne intended to close my account and ESCHEAT MY BALANCE to a third party! ( Attached for reference ). That email gave me the supposed option of logging in to online banking to make a transaction. However, it's a fake option. When I logged in and attempted to link an external account so that I can transfer the funds, I repeatedly received an error message : " Oops, we've hit a snag! '' ( Attached for reference ). So CapOne is PREVENTING me from accessing my own funds. My mailing address has not changed over all these years, so CapOne has no excuse for not refunding my balance to ME. CapOne is holding my balance hostage, and threatening to send it to someone else, which is unfair, deceptive and abusive. CapOne probably does this to many customers, and needs regulatory enforcement and a class action lawsuit to correct its practices and make customers whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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 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 2017-05-15
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get approved for the HAMP Modific ation. Wells Fargo sai d that I did not send in the paperwork by the deadline of  XXXX . I have proof that it was faxed and received by them on  XXXX . They also changed the Home Preserv ation Specialist  from  XXXX   XXXX  to  XXXX   XXXX  in  XXXX ,  XXXX .   They requested more documentation and I sent it on  XXXX , and I also clarified some information on the phone a few days later.   On  XXXX   XXXX ,  XXXX , I received a letter stating that they  denied the HAMP Modification, b ut approved me for long term assistance of 40 years at 6 % with a monthly payment of {$1300.00}, or 30 years at 6 % with a monthly payment of {$1400.00}. They did not lower the interest at all, even though the interest rate is in the low 3 % range now.   I have NOT agreed to either of these options. I am still paying my regular monthly payment. I have approximately 17 years left on my mortgage, why would I want to pay for another  30 o r 40 years?   On  XXXX   XXXX ,  XXXX , I sent in  an Appeal Request  with more information. On  XXXX   XXXX ,  XXXX , they sent a letter stating that they denied my appeal.   I have fax ed my Divorce Decree to Wells Fargo two  times, yet, even though I have requested several times that my ex-wife 's name and email address be removed from all all my letters and documents, they are still on them. I do n't t hink that they should be sending my ex-wife correspondence concerning my Hamp Modification and Appeal Request.    On  XXXX   XXXX ,  XXXX , during a phone call to pay my monthly payment, I asked why I was denied th e Appeal request. I was told by another Home Preservation Specialist, that my documentation was too late to be reviewed because the HAMP deadline was in    XXXX ,  XXXX . If it was too late, why did they request more documentation in  XXXX  and  XXXX ? The Government websi te about the HAMP Modification states tha t the deadline was  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 2023-06-07
Company: Experian Information Solutions Inc.
State: KY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 2023-08-18
Company: BARCLAYS BANK DELAWARE
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
someone opened credit accounts with my identity and got a car loan as well BARCLAYS BANK DELAWARE XXXX {$8600.00} XXXX XXXX XXXX XXXXXXXX {$29000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} 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 2023-08-21
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: Information belongs to someone else

Complaint:
Unauthorized Credit Inquiries : On XX/XX/XXXX, there was an unauthorized inquiry by XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX and XXXX made unauthorized inquiries. 
XXXX, XXXX, XXXX, XXXX, AN # XXXX, XXXXXXXX XXXX, and XXXX all made unauthorized inquiries on XX/XX/XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX  # XXXX made unauthorized inquiries on XX/XX/XXXX. 
Several other unauthorized inquiries were made in XX/XX/XXXX by entities such as XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
Account Validation Requests : I am requesting validation for an account with XXXX, with a partial account number ending in ****. 
I am also seeking validation for an account with XXXX XXXX, with a partial account number ending in ****. 
Additionally, I am requesting validation for an account with XXXX  XXXX, with a partial account number ending in ****. 
I believe I am a victim of identity theft, as many of these inquiries and account associations do not accurately reflect any transactions or authorizations I have made. 

Previous Attempts to Resolve : I have proactively attempted to address these discrepancies by sending letters via certified mail to the respective companies detailing these issues. However, despite ensuring they received my letters, I have not received any responses or corrections within the XXXX timeframe as mandated. 

I am now seeking the CFPB 's assistance in facilitating a thorough investigation into these matters and ensuring appropriate corrections to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
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: Their investigation did not fix an error on your report

Complaint:
XXXX, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. XXXX never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two Experian and XXXX do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.

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 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid 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:
I was using my first credit card with XXXX XXXX XXXX and I was unable to afford the payment on months due to being unemployed and a student. 

There were 2 missed payments in XX/XX/2016 and there has been nothing since then. 

I am working diligently to rebuild my credit score so I am able to save up and buy a home in the next couple years. 

This would be amazing to get off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U, S, C, 1681 SECTION 604A SECTION 2, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-08-18
Company: EMG ACQUISITION GROUP, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had reported this company in the past for removing money from my account after stopping automatic payments. I tried to settle with them with no luck. They have removed another 2 debits from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 am a victim of identity theft. I have supplied this company with the police report and the FTC affidavit. Originally, I was told the police report was inadequate because it didn't list the companies my name. I then did a supplemental police report listing any and all fraudulent accounts and inquiries and faxed that in. Now, I am being told that the police report STILL doesn't meet their criteria and I have to wait for the individual companies to investigate. Most of the companies listed have already investigated and removed the fraudulent accounts from my credit report ... however the inquiries still remain..which in turn is lowering my credit score and preventing me from getting a mortgage. 
In addition I had spoken to a representative several weeks ago about locking my credit report to prevent such occurrences and was assured my credit report was locked..however I find that this is not the case ... and whenever I try to lock my credit report I am unable to do so and keep receiving an error message both online and over the phone.

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