BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company is Simmons Agency. I had a visit to XXXX XXXX XXXX during a time when inhad no insurance. I paid my XXXX Then i was billed XXXX. They said thst i would owe nothing when i called them. Now i have this company simm9ns agency calling me daily from phone numbers all over the USA. 
This agency is also calling me about a mefical debt from XXXX XXXX. I am refuting validity of. They are charging me for xrays i never took. I went to there over wsited over 1 houe .. Got up and walked awsy with no tests. They turned it in to my insurance company. I asked for the films. They refuse to give me. They sent a piece of paper. I know i never took. This is XXXX. 
The XXXX XXXX was 3 yesrs aho XXXX. And XXXX  was XXXX. I have repeatedly told Simm9n Agency not to call on my work phone. I have asked and told community that this is unfair. I am at a liss. They call me constantly. There is no one there when you pick up and then they come 9n and ask you to wait for a telephone operator.this goes on 3 to 4 times a day. All from different masked numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: AES/PHEAA
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:
CALLTHE COMPANY TOLD THEY THIS ACCOUNT DOSENT BELONG TO ME EVEN EMAIL AND DISPUTE THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: GA
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 following companies and accounts are in direct violation of my rights. 

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 a account without my written instructions XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX.This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX  line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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  Account XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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 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 2023-03-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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 XX/XX/2020 XXXX XX/XX/2020

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following companies and accounts are in direct violation of my rights.

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 a account without my written instructions XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX  XXXX line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have opted out of all authorization from XXXX XXXX XXXX and filed filed a complaint with CFPB. Letter and complaint attached. 

The Law say a Charge off is a certificate of indebtedness and is considered income and income can not be reported on a consumer report. 

Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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 2023-09-03
Company: Experian Information Solutions Inc.
State: NY
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've submitted several reports and disputes regarding this issue. I am informing the credit reporting agency that this information on my credit report is inaccurate and fraudulent. They have done nothing to fix this, Name of Account : 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 2022-04-10
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Truist stating that I had until XX/XX/XXXX to bring my mortgage payments current, otherwise foreclosure proceedings would begin. On XX/XX/XXXX, Truist transferred my mortgage to a third-party company. I went to a Truist branch location to figure out what I ought to do, and after the branch employee and I called the third-party company, we learned that it takes 15 days for the company to internally process a transferred mortgage. Therefore, I would not have the opportunity to pay off my loan, and the third-party company refused to share how much I owed in order to bring the loan current. Eventually, the Truist branch employee told me to get a cashier 's check of the most recent amount shared to me via letter, and to overnight it to the third-part 's location. 

I'm concerned that I may lose my house, despite my best efforts to bring my mortgage current. The early transfer of my mortgage may have locked me out from properly bringing my mortgage current by XX/XX/XXXX, and may cause me to lose my house.

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 2022-11-17
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) there was an ACH glitch that occurred to Pentagon Federal Credit Union that created duplicate ACH transactions. This lead to me having overdraft fees and return payment fees. The payments as of XXXX XXXX have still not reached my creditors and the funds have been taken out of my account without my debts being taken care of.

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
Consumer complaint received 2022-04-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that I never gave authorization for. During the past two years, going through the pandemic, I was not applying to run my credit anywhere. but I see here on my credit report, that the entire year of XXXX my credit was ran almost on a monthly basis by various companies. That continued through XXXX and even XXXX already. Some of these are the same company, running inquiries on my credit multiple times throughout the years. Some, I noticed even ran my credit twice in the very same date. This was done without my authorization and without my knowledge. This is practically warfare on my credit by these strange companies and the amount of inquiries is shocking. I should have zero inquiries on my credit from XXXX to now, because I did not apply for anything during that time period. I did not give permission or request that my credit be ran for anything. I was not authorizing inquiries of any kind from XXXX to now. I am just now finally going to use my credit after having recovered from the pandemic and concerns about the wars starting overseas impacting our country financially. Having decided to now use my credit towards purchasing a home and starting a business, I was shocked to find my credit being abused by companies that had no authorization from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: SC
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:
My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the Indentity theft 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 2021-02-09
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The Debt collection agency under the name ARC located in XXXX, Texas began calling me with regards to an outstanding debt of {$6200.00} on XX/XX/XXXX of 2021, after which we spoke on the phone XXXX XXXX, XXXX XXXX and XX/XX/XXXX. in one of our first interactions after trying to explain to the representative XXXX XXXX, whom was handling my collection, that I had already paid for the medical procedure which she was trying to bill me for I was voraciously accused of being a petty thief and a criminal and rather than retaliating I still agreed to pay the debt if in I could verify its legitimacy. After over 20 hours on the phone with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX I was able to get a representative from XXXX to verify that my claim had already been processed and paid for through them and any other debts in collection trying to be made would be considered fraud and were therefor unlawful. The representative offered to call ARC with me to explain the situation. I thought I was finally seeing the light at the end of the tunnel here. However once we got on the phone with XXXX XXXX at ARC, not only was I still yelled at and accused of theft, but the representative was being shouted over and asked to speak to her supervisor. The representative at ARC refused to listen to anything we had to say despite myself taking the proper actions to provide proof that these charges against me were illegitimate. I provided proper documentation and brought along a representative but was still met with denial and insults.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Payment history is not up to date. Last payment reported was 3 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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:
UNTIL EXPERIAN CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE BOTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MY REQUEST TO RELEASE MY PERSONAL, PRIVATE, & NONPUBLIC MEDICAL INFORMATION TO YOU, EXPERIAN I DEMAND YOU DELETE THE FOLLOWING ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

Please send the above demanded information to my mailing address listed above. This letter is a demand for validation, and I demand FULL DOCUMENTATION containing all the information you received from the service provider of this alleged debt. 

Continuing to report this Medical Debt without properly validating and providing me PROOF OF PERMISSION is a violation of the FCRA ( Fair Credit Reporting Act ) You have 30 days to respond, or this debt will be considered invalid & removal of this debt will be furthermore required. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you 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 explanation
Consumer complaint received 2023-11-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have multiple accounts with Synchrony. After multiple attempts I can not " register '' my account to access online scheduling pay tools

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
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter 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 explanation
Consumer complaint received 2020-06-08
Company: First Credit Services Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have made several attempts since XX/XX/XXXX to cancel my membership due to a chronic illness. I have sent them all of the information they requested to get this done under these special circumstances and they ignored me, the Indiana Attorney General ( for 2 months ), and refuses to give me something in writing stating that my account has been closed. I asked them to call the collections agency they hired so that the inaccurate reporting can be removed and they said that " it's nothing they can do ''. I asked to speak with XXXX but he seems to be a ghost and is never available to speak to anyone, according to the XXXX XXXX. FIrst she tells me that " Ppl normally pay {$50.00} to get out of collections but you situation is totally different so you don't have to worry about that. '' She told me this on XX/XX/XXXX. On, XX/XX/XXXX, she says that I do have to pay the {$50.00} since I told them not to charge my account instead of having it frozen.. They have since sent it to this collection agency that continues to threaten/harass me and report/update damaging and inaccurate information to all three credit bureaus. The erroneous amount is not only inflated to reflect charges that are unsubstantiated but are a direct violation of the ADA since both companies were made aware in a timely manner of my XXXX but deemed it unimportant or invalid and choose to harass me despite this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After banking with Chase over XXXX  years the bank closed all my accounts and refused to provide an explanation. In my Savings account I maintain Substantial balance over the course of years. Recently I started XXXX XXXX XXXX XXXX withdrawing large amounts as well making a deposit using a Cashiers Check from another financial institution ( money from XXXX ). All transactions were conducted with Cashier 's checks. Never had any overdrafts or any type of fraud. This cause me to rush and transfer funds to another financial institution. An explanation would have been appreciated. My credit card was also closed which will affect my XXXX score. I am not sure what if anything could be done I believe Chase discriminated against me.

Company response to consumer: Closed with explanation