BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX Report : Bill was never submitted to insurance even though insurance information was provided to hospital. Additionally the amount owed is {$22000.00}. The collection agency ( Rash Curtis ) has ballooned it to {$35000.00}, stating interest has been accumulating. Yet other hospital bills with other collection firms/companies have never charged interest fees. Responsibility lies with the hospital and insurance. Someone needs to investigate Rash Curtis for bullying tactics with harassing phone calls, pressure tactics as well as personal threats. 

On the XXXX report they have bumped the total yet again, to {$35000.00} and added another False claim that a separate charge of {$50.00} is still owed to the same hospital and has bumped that total to {$75.00} with no information provided as to why. 

XXXX report is {$35000.00}. Again this collection company is making up whatever total they want and stating its related to interest charges. I no longer have this particular insurance coverage/plan that was used for this hospital visit as I have changed jobs since then. 

Balance incorrect. Collection agency violating the Fair Debt Collection Practices Act with unfair practices and forging multiple debts. As well as Harrassment and Abuse. They also did a hard inquiry on my XXXX report which said I applied for credit with them, which is false. Again, this is false information and should be removed from my hard inquiries. I did not apply for credit with them. 

Rash Curtis has raised the balance w/o my at consent. Additionally, it seems only their false statements and falsified cost increases are accepted as truths while my information is discarded altogether. The shear amount of harrassing phone calls put so much stress in my life, that quality of living was affected. They called day and night, changed phone numbers over and over again. All while I gave them the same information ... .that the bills need to be submitted to insurance. Additionally, I spoke with the hospital in question to please file with the insurance company/info they obtained from me right from the get go. 

The personal threat of suing me over these medical bills was enough for me to have full on panic attacks. I have recently applied for a home loan and was denied at 1 lenders office due to Rash Curtis and bullying tactics. They also said as long as they legally can stay on my credit reports they will continue by all means necessary as well as continuing to obtain the unpaid debt including suing me. 

There are to many dates to list them all here. I pray that this mean, horrible collection agency and or dirty lawyers be brought to justice. I can't be the only one who has had these types of experiences with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX  XXXX  XXXX credit card , 1 XXXX  XXXX  XXXX debit card , XXXX ID and Driver license, 1 XXXX Bank credit card. 

-Replace all lost documents XXXX Notice from XXXX XXXX XXXX Detective about debit cards ( XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX ) that founded from arresting Jomunrek Gatus at XXXX XXXX Precinct : notify call center about the issue and verify ID. 

XXXX receive letter form Santander Bank . 

XXXX sent the letter provided proof of identity, Identity victim 's complaint and affidavit and NYPD police slip via mail.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2023 I the consumer notified Transunion about the fact that I was a victim of Identity Theft and submitted the required documentation required by law, However Transunion received the documents and failed to block the UNAUTHORIZED ACCOUNTS from the consumer file within ( 4 ) business days. TRANSUNION DECIDED TO MAKE A FALSE STATEMENT CLAIMING THE ACCOUNTS WERE " VERIFIED BY THE CREDITOR AS ACCURATE '' Transunion is claiming the accounts are accurate however XXXX AND XXXX also conducted an investigation and concluded that the accounts were in fact UNAUTHORIZED and blocked them from their consumer file. 

After contacting Transunion and speaking to agents like XXXX for over an hour on the phone ( Proof in attachment ) I was told that the information would not be removed because it was " FACTUAL '' and that the only person who can report or remove information about me was the " FURNISHERS '' because TRANSUNION doesn't control any of the information on THEIR company consumer report. I continued by asking for the investigation procedures only to get disregarded and the phone hung up on me. 

Transunion is taking a severe advantage over me as a consumer due to their VITAL role which they ASSUMED in reporting this GRAVE information that is UNAUTHORIZED and does not belong to me with no consent. When I asked about my PRIVACY they said they had no OBLIGATION to it and that they simply report whatever the " FURNISHERS '' tell them to report. 

Transunion is now Knowingly and willfully non compliant because they are failing to adopt reasonable procedures in maintaining my consumer file. My privacy has been invaded and Transunion has failed to protect my confidentiality regarding my non public information. Transunion has failed to be impartial, fair or Equitable to me as a consumer and continue their misconduct. 

Transunion misconduct is negligent and has caused me irreparable damages both mentally and financially, due to Transunion unlawful conduct I am suffering severe stress and financial loss. I am being discouraged from disputing information that does not belong to me and Transunion has made it impossible for me to enter any credit transactions to obtain goods or services under credit for personal, family or household purposes, which has in fact caused me to cry at times, suffer from anxiety and XXXX. 

PROOF OF EVIDENCE TO MY CLAIMS PROVIDED AS ATTACHMENTS

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 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my paycheck today ( XX/XX/23 ) on my bank 's mobile app. The first time I tried to deposit it, the bank informed me there was an extended hold on my deposit in effect until Thursday ( XX/XX/23 ). I then cancelled my deposit on the app, and the app asked me very clearly, with the very particular verbiage : " Are you sure you want to cancel the deposit? '' I then selected the option for yes and tried again. The same thing happened, an extended hold on the paycheck until Thursday XX/XX/XXXX ( XX/XX/23 ). I spoke with the bank via customer service and was first informed that " the check was deposited multiple times '', which was clearly not the case. The Bank informed me that their system was trying to catch up to the mobile banking app, which is very clearly on the Bank, and not me the consumer. I explained that situation and reasoning with the Bank and I was then informed, " there was reasonable cause to believe the funds are uncollectible from the paying bank. '' I have deposited several paychecks from this job previously, so I'm not sure why this instance was an issue. In my entire time banking with Bank of America, I have only overdrawn my account one time to my knowledge, therefore removing that cause for the hold from the Bank. Like most Americans, I live paycheck to paycheck with very little, if any, savings to cushion me. I have bills that are coming due, and I need to pay them, but I can't pay them when I have {$150.00} in my bank account to last me until the XX/XX/23. At this point, Bank of America will have to reimburse me for any late fees or overdraft fees that are accrued due to them effectively picking and choosing when they apply a hold on paycheck being deposited. Also, under federal reserve guidelines, the first {$220.00} of the paycheck must be made available to me by the next business day, and Bank of America has never once followed this practice. At this point in time, I am heavily considering hiring legal counsel to see what, if any, recourse is available to me to ensure that this does not happen in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
Experian has not block the credit card company info that reporting on my credit report as XXXX XXXX that has a balance of {$670.00} and this account is fraudulent and I never did business with this company and my information been stolen and I have added a fraud alerts and I want this account blocked..

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 2023-10-04
Company: Uplift, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from XXXX XXXX, XXXX XXXX XXXX XXXX. The amount is {$590.00}. The creditor is Uplift and XXXX. 
I called Uplift to ask what this debt is as I have no idea, they refused to tell me unless I provided personal information, birthday/ss # etc. I refused to give this info. 
In XXXX of 2021 I noticed that Uplift had been taking {$51.00} a month from my XXXX account. 
I immediately contacted XXXX and informed them of fraudulent withdrawals. XXXX stopped the withdrawals and I was refunded 3 payments. I thought this was resolved until I recently got the collection notice. 
I have been unable to get any clarification from Uplift or XXXX XXXX as to what this debt is, therefore I assume this is a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.

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 2021-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EXPERIAN. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. 

Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2022-10-30
Company: EQUIFAX, 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2018-05-11
Company: Atlantic Credit & Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has sent me multiple letters and has reached and spoken to me by phone so they are aware they have my correct information. I told them I would pay when I could and to stop calling until then. After that, that have harassed/repeatedly called my parents and several grandparents and have given information that this was concerning a debt which should not be given to family members

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 2023-12-14
Company: EQUIFAX, INC.
State: IN
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and capital one refuses to update or notify the remaining credit bureau that I am not dead. I have called Capital One and XXXX ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of Capital Ones Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to Capital Ones gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by capital one as recently as XX/XX/XXXX. So Capital One again is ruining my credit report with inaccurate information. 

The correct reporting from Capital One should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did Capital One even let this happen in the first place? 


XXXX : Fix me in your system. I am not deceased. 

XXXX : I have incorrect late payments marked in your system for my Capital One card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from Capital One stating these are not late payments and are incorrect. Update these please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got a letter from Wells Fargo today XX/XX/2021, dated XX/XX/2021 that they are closing my account on the XX/XX/2021. I have called the bank and visited my local branch, they would not tell met the reason for the closure. I have never had a late payment or been in bad standing. I have absolutely no idea why they closed 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