BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a letter from the collection company called ARS Account Resolution. After reviewing my credit report, I noticed that it has indeed made it to the credit reporting agencies. I sent ARS Account Resolution a debt validation letter last month asking them to validate the debt owed from Fl XXXX XXXX XXXX XXXXXXXX XXXX, in which they did. I am aware that there was a debt from Fl XXXX XXXX XXXX XXXXXXXX XXXX but was unaware of the amount due. As the fees stated appears inaccurate. Additionally, I am allowed under the health insurance probability and accountability act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission for Fl XXXX XXXX XXXX XXXXXXXX XXXX to release my medical records to a third party. I am aware that HIPPA does allow for limited information about me to be reported but anything more is to only be revealed with the patient 's authorization. I am requesting that this medical collection be properly investigated and removed as it has been reported to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: TX
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:
The inquiries are unauthorized and need to be REMOVED from my credit file immediately XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Date of request XX/XX/XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
There was fraud. Money taken out my account. I had to close could not afford the overdraft fees.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over draft fee was to much

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 2023-06-05
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Synchrony Bank has received your request for a credit account with AMAZON STORECARD. 
To protect your identity, we checked credit bureau information and other data sources to verify information on your application. These databases may include, but are not limited to, public records, phone directories or social security databases. 
Additionally, our customer service agent might have asked you questions to verify your identity. 
Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. 
Some information used to make this decision was obtained from the consumer reporting agency ( agencies ) listed below. This consumer reporting agency ( agencies ) did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. If more than one agency is disclosed the reason ( s ) shown are based on the report provided by the first listed agency.

I have decades of perfect credit. My credit score is in excess of XXXX! 
I believe it's age discrimination because as there is NO logic to their bogus reason of can't identify! Ridiculous

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 2022-02-13
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Ally loan finance I have been trying for 2 years to get mine and my sons credit report corrected. They have report a charge off but the account was paid on full by the insurance company. I have requested several time even from the credit reporting agency to correct this and they haven't. This has destroyed both mine and my sons credit and is coating me hundreds of dollars every month.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have the right to make sure that my private information is not shared which is backed by the 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies Experian, XXXX, and XXXX do not have my consent to furnish this information nor did they have my written consent. Any and all consent from XXXX, XXXX, and Experian ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied, or otherwise is invoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) 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 ''. These accounts are an adverse item they are reporting again without my permission which is against the law.

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 2022-02-13
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: Account status incorrect

Complaint:
XXXX XXXX XXXX  I have been trying for 2 years to get mine and my sons credit report corrected. They have report a charge off but the account was paid on full by the insurance company. I have requested several time even from the credit reporting agency to correct this and they haven't. This has destroyed both mine and my sons credit and is coating me hundreds of dollars every month.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: TX
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  : {$480.00} XXXX XXXX XXXX XXXXXXXX : {$360.00} XXXX  XXXX XXXX Opened XXXX. 
XXXX, XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  {$120.00} XXXXXXXX XXXX XXXX XXXX  : {$480.00} XXXX XXXX XXXX Opened 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 2022-02-13
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2021 my loan was sold to Selene Finance LP by XXXX XXXX XXXX. I have not received any statements by mail or email. I am currently in bankruptcy and my attorney has not received any information concerning the statements. I have requested no less than 5 times in the last 3 months that a statement be sent to my physical address. I found an address to send the payments. But I do not know how many payments I am behind, what the exact amount of the payment is, or when the payments are due. It is very frustrating when I am making every effort to be current on all bills and the mortgage company refuses to send out statements. I am concerned there is a chance this company can file foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, contacted XXXX ( Originator of debt ) and there is no record of any such debt owed. On XX/XX/2022 attempted to communicate this info to AMSHER but was greeted with abusive language. Currently derogatory info is reported on my credit report. This info us unfounded and not supported by documentation and violates requirement of the Fair Credit Reporting Act. Amsher Collections fail to provide documentation of any existing debt " to me '' .after repeated requests. Amsher knowingly purchase medical debts to coerce settlement/payments from consumers without proof of debt existence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: MI
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:
Hello, I filed two rounds of letters with XXXX, XXXX and Experian on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. XXXX sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts. 

The amounts in collections that I am requesting to be removed is {$1100.00} {$800.00}, {$720.00}, {$740.00}, and {$840.00}.

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 2022-02-13
Company: Experian Information Solutions Inc.
State: PA
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 is showing a wrong address for me that i lived in XXXX Arizona which i never did i know nothing about XXXX never was there

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to XXXX to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to XXXX, XXXX and Transunion over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked XXXX, XXXX and Transunion to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from Transunion, XXXX and XXXX stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.

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 2022-02-13
Company: Experian Information Solutions Inc.
State: PA
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:
After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the XXXX XXXX, and experian to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: SC
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2020-03-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Timeline ( 1 ) I leased XXXX XXXX XXXX for two years starting on XX/XX/XXXX and enrolled auto payment since then. 
( 2 ) I extended the lease for another 3 months before the first lease expired ( 3 ) I called XXXX  on  XX/XX/XXXX to check if my bank account has been setup to pay the extended lease. And I got confirmation from the XXXX  agent, telling me everything was setup. Note that I had granted XXXX  to get money from my checking account and it had sufficient information from my side to do that.

( 4 ) But later I found there was a past-due posted on my account and I contacted XXXX  to resolve the problem. And again I got confirmation from the corresponding agent, telling me my account was setup but still they didnt draw money from my checking account due to their mistake until XX/XX/XXXX. 
( 5 ) Before XXXX reported the past-due record on my credit report, I didnt receive any message in either email or call about this issue. 
( 6 ) In XX/XX/XXXX, I found my credit score has been ruined by XXXX  mistake. I contacted XXXX  on XX/XX/XXXX to resolve the issue. The agent promised me to send out the result which I havent received ( 6 ) In XX/XX/XXXX, I contacted XXXX  again for the update of the result. The agent told me XXXX  decided not to remove that past-due record. To prepare evidence for future usage, I told that agent I also recorded our bilateral phone call as XXXX   did. The agent demanded me to stop and brutally shutdown the call when I asked why. 
( 7 ) Since XXXX  refused to resolve the issue, I filed a complaint in XXXX  and received XXXX  response on XX/XX/XXXX, which still refused to correct their mistake. In addition, they cited the Fair Credit Reporting Act to justify their misbehaviour, which is against the spirit of this Act since it does NOT grant the credit agent like XXXX  to ruin a persons credit score and refused to correct their error. 

The XXXX  misbehaviours ( 1 ) I got confirmations from XXXX  agents multiple times ( XX/XX/XXXX and XX/XX/XXXX )  about my account was setup to pay the lease. Note that the bank account is exactly the same as the original lease. 
( 2 ) XX/XX/XXXXgot sufficient permission to draw money from it for the payment but it didnt. Even though I called them multiple time to resolve the issue. If XX/XX/XXXXhad trouble in drawing money, how could they did it on XX/XX/XXXX. Note that I didnt provide any additional information to them during that period. 
( 3 ) XX/XX/XXXXreported the past-due item to my credit report without contacting me to solving the problem first.

( 4 ) XX/XX/XXXXrefused to correct their mistake on my report ( 5 ) XX/XX/XXXX refused my call brutally to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: NC
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 have XXXX for credit protection and monitoring from a government data breach. The problem is with EQUIFAX. XXXX has filed with them 3 times, and I called and filed and they continue to keep a fraudlent report and inquiries on my credit report ... and all this is after i filed a policy report and all other credit correction measures. Note : Both other credit agencies have removed them and the company that originally filed the report investigated and removed the claim as well. EQUIFAX is broken. Should not be a credit agency .... 

Inquiries : XXXX XXXX XXXX XXXX Account : XXXX Opened XX/XX/2019 Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this billl was paid in full over a year and a half ago they sent it to collections already before this and i reported it and provided the information showing it was paid they took if off and now they did this again this is illegal it needs to be taken off and XXXX XXXX XXXX  needs to be held responsible for fraud

Company response to consumer: Closed with explanation