BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX XXXX Balance XXXX {$1600.00}

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 2023-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Deposited a check for XXXX and atm screen said XXXX I tried to cancel and it wouldn't. Credited my account XXXX That was on XX/XX/23 and they will only respond with we have 10 business days to investigate this. It seems like they are not doing anything but sit on my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: FIRST PORTFOLIO SERVICING INC
State: CA
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:
Im a victim of identity theft due to XXXX data breach. Several credit cards where opened in my name and shipped to address Im not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 careful review of my credit report, I disputed a public record on my credit file and asked that the credit agency send me information on how this account was verified. I have send two letters requesting this information and all they will send me back is that the item was verified. They have ignored my request and sent back information that is not accurate. They have acted in bad faith and not complied with the Fair Credit Reporting Act. They have sent that I have a derogatory credit status when I have over 11 accounts with 100 % on time payment history. Student loan accounts PAID in full. I have worked hard to improve my credit and if they are not going to keep the file accurate it is Defamation of character, negligent on their behalf.

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 2023-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed about {$2100.00} in authorized charges come out of my business account. I called the company, and listed each unauthorized charge mostly XXXX charges that were unauthorized. 

I was told within 24hrs I would receive contact and they said they would send me another card. 

The new card came, I activated the card, but noticed that my money was never credited back to my account. 

XX/XX/XXXX I noticed a {$450.00} charge that was unauthorized and they said they would expedite another card. But when I questioned them about the staus of my provisional credit, they said it wasn't processed and they could submit a hardship, I was FURIOUS! 

They couldn't give me any answers and panned it off to some nameless faceless department that seemed like they were beyond getting any explanation, meanwhile that is my business account and now I will be short payroll. 

So not my total loss is over {$2500.00}, now I am told it will be 24-48 hrs for me to here of a " Decision '' for them to give me back my own money that was taken and got passed their security.

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 2023-01-07
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:
I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: MA
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 asked for statements from when the account was first opened but I still have not received them. I have only received statements with a balance previous balance of {$6200.00} and beyond from XX/XX/2018. Where are the statements prior to XX/XX/2018 and beyond?

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS.

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XX/XX/2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated

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 2023-11-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I filed an identity theft affidavit quite some time ago regarding XXXX XXXX credit card appearing on my credit report I submitted the documentation over to XXXX XXXXXXXX. The information was removed from my credit report now here as of late Midland credit is now trying to collect on this debt that was identified as identity theft. My identity has been on high alert since 2012 when a Florida inmate got a hold of my entire child support case profile which contained my Social Security card, my birth certificate, date of birth place of employment, along with my childrens information and their dads Midland responded stating that they provided proof regarding the debt. However, the only thing that was provided was a bill that shows charges and no payments ever being made on the bill. They requested a police report. I filed numerous police reports prior to this situation and was advised that I did not have to continue following police report as there is an alert on my credit profile. Needless to say, my credit information was also compromise by the credit bureaus, and their multiple data breaches the information will be enclose in this documentation. It was mentioned in my previous complaint that the dates did not online. However, if the identity theft report or affidavit was read correctly, it ask when I noticed the fraud on my account, not the date that the card was issued or applied for. I do not use credit cards this is the ONLY derogatory mark on my credit report, which has made my report score go down drastically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was orginally billed {$1500.00} for medical services rendered at XXXX XXXX in XXXX, FL for date of service of XX/XX/XXXX by a group call XXXX XXXX in XXXX, TX. 
I was approved for financial assistance at 100 % by XXXX XXXX by written approval letter dated XX/XX/XXXX. This was communicated to the billing dept. at XXXX XXXX and a copy of the approval letter was email to them on XX/XX/XXXX. 
On or about XX/XX/XXXX I received an invoice from a collection agency, Capio Partners referencing the same amount and they were retained to collect this same debt. 
I called both Capio Partners and XXXX XXXX on XX/XX/XXXX and was informed this was an error and the account has been reconciled as-of XX/XX/XXXX. 
I called the billing dept. at XXXX XXXX on XX/XX/XXXX and followed up with further documentation via email inclucing my financial assistance approval letter once again along with a detailed invoice from XXXX XXXX showing all dates of service and services rendered and any further issues with this account that I would be contacting the FL State Attorney 's Office and the CFPB. 
I learned in early XXXX that this issue had not only been resolved as I was informed, but now had been reported to XXXX and XXXX XXXX to be added to my credit report. 
I've already opened a complaint with the FL State Attorney 's Office and disputed the account via XXXX. 

This is obviously an example of XXXX XXXX engaging in persistent, fraudulent billing activities. One simply needs to look at their XXXX reviews to see this is common practice. Rather than properly reconciling the account on their as I was told on XX/XX/XXXX, they never communicated with me again and rather sold the account off to a collection agency ( Capio Partners ), who have now submitted it to my credit report despite my communication to them as well. 

I furthermore notifed XXXX XXXX 's billing dept. on XX/XX/XXXX via phone that any issues around dates of service not matching the approval letter can be resolved by them ( the provider ) calling XXXX XXXX 's financial assistance dept. at number provided on the approval letter and referring to the detailed hospital invoice showing all dates of service. XXXX XXXX refused to give me a contact person/control person/supervisory contact. 
Their information is as follows from the original invoice : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Thank you in advance for your assistance with this matter and helping stop this harassing and fraudulent billing activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX Balance : {$0.00}

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/XXXX to XXXX, transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. 
This is not making any sense. 

Account : XXXX XXXX XXXX Date Open : XX/XX/2022 According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2020-11-08
Company: Credit Systems International, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I RECEIVED A NOTIFICATION ON MY XXXX  CREDIT REPORT FROM CREDIT SYSTEMS, WHEN I GOT A COPY IT INDICATED IT WAS FROM " CREDIT SYSTEMS '' FROM XXXX XXXX  XXXX IN THE AMOUNT OF {$25.00}. CREDIT SYSTEMS HAS MY CURRENT ADDRESS ON FILE AND I DID NOT RECEIVE ANY NOTIFICATION ABOUT THIS DEBIT, IF SO I WOULD HAVE PAID IT IMMEDIATELY THIS COMPANY MADE NO ATTEMPT TO SEND ME A COPY OF SAID DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: OH
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Please see 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 2020-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The debt that XXXX XXXX XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX  a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX  added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX . The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the behalf of XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I received a letter from Gulf Coast Collection on behalf of XXXX Hospital XXXX XXXX in the amount of XXXX. I had XXXX XXXX XXXX  XXXX draft up a letter on XX/XX/2020 formally disputing the debt and required more information. -I asked for the name and address of the creditor, and the amount owed. 
- If the debt started with a different creditor, to provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. 
-I asked for them to provide verification and documentation that there is valid basis for claiming that I was required to pay the debt to the current creditor. 
-A copy of the last billing statement to me by the original creditor. 
- state the amount of the debt and when Gulf Coast obtained it, and when that was. If there had been any additional interest, fees or charges added since the last billing statement. Explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
- if there have been any payments or other reductions since the last billing statement from the original creditor, providing an itemization showing the dates and amount of each of them. 
- If there had been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount Gulf Coast is trying to collect. Explain how the amount was calculated. 
- State when the creditor claims the debt became due. 
- Provide the date of Gulf Coast 's Florida license, the name of the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
We requested a response within 15 business days but then the COVID-19 pandemic happened and we understood if they needed a little more time. Pushing forward almost four months have passed and we still have not received a response.

Company response to consumer: Closed with explanation