BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: United Collection Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a baby at XXXX XXXX XXXX XX/XX/XXXX, and I set up a payment plan 2 weeks later, which I have been on ever since ... it is in good standing and I have never been late. Apparently there was a separate charge billed several months later that I never received any texts or emails about ( I am on paperless billing ). XX/XX/XXXX I found a collections account reported on XXXX for {$860.00}. I called XXXX XXXX XXXX a total of 5 times, and every time I was told my account was in good standing and there are no issues. I called the collection agency, United Collections Bureau, and they had me email in documents to show my account was in good standing. No one got back to me. I called again the next week, and was provided with an account number. I called XXXX XXXX XXXX again and presented that account number, which turned out to be in my baby 's name for some reason, and I asked why it was not added to my payment plan that I already established, which I was not really given a reason for. She then connected me with the collection agency which was already closed for the day. I asked her beforehand if this could be added to my payment plan and be removed from collections and she did not help with that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I dont want my account closed. These banks are ingnoring me. and the credit bureau report anything on your credit report. Im suffering. Im a hard working american I need my credit worthy as I work hard to maintain it. Thiese companies are designed to keep XXXX people down. Its a comspiricy. I can buy a home or get the job I need to care fro my family. I work hard to pay on time. Please work hard for me. Dont shut me down. I cant be left alone.. I filed 1000 ftc. My last resort is to hire a lawyer. XXXX  XXXX isnt my accont I explained and they forced me to pay something that wasnt mines. They told me that there's nothing I could do and If i dont pay they will continue to ruin my credit. I found this weird and unethical. Who can help someone when they go through issue like this? 
XXXX XXXX I WAS NEVER EVER LATE ITS REPORTING ONLY ON TRANSUNION AND I DEMAND ON FCRA THAT THEY DELETE LATES ON MY ACCOUNT. I INCLUDED A COPY OF MY REPORT. TRANSUNION IS THE ONLY ONE REMORTING LATE. I NEVER WAS LATE. THIS IS MUST BE UPDATED remove lates from XXXX I was on defeeerent remove late from XXXX XXXX they said they woul updtae my credit sevral inquiries and lates due to covid19 someone was trying to get a car in my name. please delet all these inquiries. This is horrible. 

delete these inquires they are not mines. is this legal? Who is here to protect me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 informed Transunion that I did not provide them with my written consent to report derogatory items on my consumer 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 non-monetary relief
Consumer complaint received 2023-06-02
Company: Advanced Collection Bureau, 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:
I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
A couple of weeks ago, I attempted to log in to the US Bank mobile app to check my balance. I received an error message stating that my account was not available, and that there was a problem on the banks end. I tried a few more times over the next few days, even uninstalling, then reinstalling the app with no success. I tried calling the customer service number. I keyed in my entire card number, and when I entered my zip code was told that I had entered an incorrect zip code.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, two accounts on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

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. 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. 

These inaccuracies are stopping me from providing a home for my family.

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 2022-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-02
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : SANTANDER CONSUMER USA 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 consume r reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateThe account was paid in full. I don't owe them any money. I paid them there {$170.00} on time. It was never supposed to be listed as a repo. Now this is ruining my chances of getting a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: LEXISNEXIS
State: NC
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Healthcare Finance Direct LLC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has a problem with their account system and is trying to collect money I do not owe and will not take steps to fix it. 

I purchased XXXX XXXX XXXX ( XXXX ) invisible teeth aligners in XX/XX/XXXX and signed up to pay {$1800.00} financed through HealthCare Finance Direct ( HFD ). I paid the full amount financed in full in XX/XX/XXXX. I did not receive any notices of any money owed in XXXX or XX/XX/XXXX. 

Due to multiple customer service issues with the product, XXXX refunded me {$150.00} on XX/XX/XXXX. ON XX/XX/XXXX a notice was sent to me by HFD stating I was past due {$170.00} and I would be sent to collections If I did not pay. I also received a text message stating I was past due on this date. 

I verified on the XXXX website that I show a balance due. The website shows I missed a payment of {$34.00} on XX/XX/XXXX and I owed {$88.00} and I was past due {$170.00}. I contacted XXXX on XX/XX/XXXX and XXXX from XXXX ( who initially refunded me for {$150.00} ). talked to XXXX from HFD and XXXX said it was a glitch and would be fixed. I checked the website and it still showed a balance due. I talked to XXXX from HFD on XX/XX/XXXX who said it was a glitch and would be fixed. XXXX sent me a paid in full letter that stated " your account is PAID IN FULL in the amount of XXXX ''. That letter is incorrect. My account is paid in full for {$1800.00}, and I have been refunded {$150.00} by XXXX I called on XX/XX/XXXX and spoke to a supervisor XXXX who said I received a letter showing paid in full. I explained the letter was in error, that I needed a corrected paid in full letter, that I am receiving false debt collection letters and XXXX needs to be corrected. She said she would escalate it but she could not fix the portal because of a technical glitch. She said she would take 5-7 days to fix. I explained that 5-7 days has already passed since this was reported on XX/XX/XXXX and I was getting false letters and collection activity. 

HFD when I call states I do not owe money but their portal and their automated computer keeps asking me for money which makes me call them to verify I am paid in full. They have not been able to fix the debt on my online account to show I owe {$0.00} and I am paid in full. I have asked them to provide me the name of their compliance officer and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
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, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: National Credit Adjusters, LLC
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:
After carefully looking over my credit report I noticed multiple inaccuracies that have been previously reported to XXXX. National Credit Adjusters is reporting an account on my report with an inaccurate Open date. The payment history does not add up, and they claim to have received a payment from me on XX/XX/2020, but they report me in Collections with XXXX payments made. This does not make any sense and is hurting my credit tremendously. In the comments they state that this is reporting correctly according to the Fair Credit Reporting Act. Treatment of inaccurate or unverifiable information : After an investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, or incomplete or can not be verified, the consumer reporting agency shall- ( I ) Promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation. Multiple inaccurate information has been reported for years with this account. They said an investigation was done but it wasnt. I have disputed this numerous times and to avail they refuse to follow the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
Company: EQUIFAX, INC.
State: WV
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX XXXX XXXX XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX XXXX XXXX XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX XXXX XXXX  account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX 60 days late, XXXXr 30 days late, XXXX 90 days late, XXXX 60 days late, XXXX 30 days late On Equifax ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 60 days late, XXXX 60 days late, XXXX 90 days late, XXXX 60 days late, XXXX 120 days late, XXXX 90 days late, XXXX 60 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX 60 days late, XXXX 30 days late, XXXX  90 days late, XXXX 60 days late, XXXX  30 days late Please investigate if every piece of information is correct on the reported late payment history. 
I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Bread Financial Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Monday XX/XX/2023, I indirectly received a Summons from the Court of Common Pleas of the State of Delaware for XXXX XXXX. The serving of the summons was unacceptable. This is regarding the Comenity Bank account ( account number ending in # XXXX ) Comenity Bank sold the original debt to debt collection agency XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX is now trying to sue me, the consumer, for the debt that has already been paid and accounted for. That is a violation. 

There are more violations : 1. I did not receive a written notice of debt from XXXX XXXX XXXX XXXX XXXX ; 2. With the summons I received, there is no conspicuous statement from XXXX XXXX XXXX XXXX stating that I have the right to dispute this debt ; 3. I have not received enough information to verify this debt ; 4. XXXX XXXX XXXX XXXX influenced a Special Process Server/Clerk of the Court ( State of Delaware ) to indirectly speak with a third-party about this alleged debt, as the information was delivered without an envelope and given to someone outside of the person of interest and ; 5. This summons/lawsuit was my first time receiving notice of the debt. I did not receive written notification of debt prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My lender increased my bill {$680.00} to begin XX/XX/2021. I was notified XX/XX/XXXX, I called and spoke with 6 agents who have yet to provide me an answer as to why. My escrow account payment has increased {$680.00} and I already pay the required $ XXXX  monthly payment to escrow. There has been no change to my insurance and I have a property tax exemption that I forward to my lender as proof. I have demanded answers and a call back and no one has returned my call. I can not afford a sudden monthly increase of {$680.00} due in 12 days.

Company response to consumer: Closed with explanation