BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: Grant & Weber
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello My name is XXXX XXXX. My daughter received a hospital bill at XXXX XXXX for {$2600.00}. Last month I paid the entire bill. It's been 30 days and it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Bread Financial Holdings, 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: Old information reappears or never goes away

Complaint:
THESE ACCOUNTS WERE CLOSED AND PAID - THE DEBTOR DOESN'T OWN THE ACCOUNT BUT AT SOMETIME OVER XXXX  YEARS AGO RE-ESTABLISHED CREDIT OR RE-OPENED THE ACCOUNT AND THE DEBT WAS CHARGED OFF. THEY THEN SOLD IT IN XX/XX/2019 BUT DID NOT INFORM ME. 
THE DEBT IS TIED TO AN ADDRESS IS NOT MINE AND A PHONE NUMBER THAT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They have my private medical information violation of 15USC 6802 ( b ) ( B ) and ( C ) and 15 USC ( a ) ( 4 ) my right to privacy, i have already sent them via certified mail # XXXX XXXX XXXX XXXX XXXX my first dispute letter and i have a complaint id # XXXX as well they are in total disregard for the law and this is their opportunity to cure their defect and the certified mail number XXXX XXXX XXXX XXXX XXXX 2nd attempt to follow the law THIS IS NOTICE OF THIER OPPORTUNITY TO CURE THIER DEFECT AFTER THAT A NOTICE OF DEFAULT WILL BE ISSUED AND I WILL TAKE THEM TO COURT AND GIVE THIER REGISTERED AGENT PROPER NOTICE OF ACTION

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 2023-07-06
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:
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

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 2023-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-01-04
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempting to collect on an alleged debt for the amount of {$1200.00}, which is 4 years old. The Texas Statue of Limitations are 4 years. Please remove alleged debt from my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 HAVE DIPSUTED THIS ACCOUNT SERVERAL TIMES. ALSO PROVIDED A SECURITY BREACH FROM THE XXXX XXXX XXXX XXXX. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS. IT IS VIOLATING MY RIGHTS AND HINDERING MY CREDIT BUILDING PROCESS.ALL THE OTHER BUREAUS HAVE REMOVED THESE ACCOUNTS FROM MY CREDIT REPORT EXCEPT TRANSUNION.

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 2023-08-31
Company: Experian Information Solutions 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:
This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX  XXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2020-10-02
Company: TCF NATIONAL BANK
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I XXXX XXXX, submits this complaint against TCF Bank ( hereinafter TCF ) for allowing unauthorized automatic draft from my checking account. 
On XX/XX/XXXX, a merchant unknown to me doing business as XXXX XXXX XXXX withdrew {$49.00} from my checking account. I have no knowledge or no business with this company. This was the first unauthorized withdrawal. Second XX/XX/XXXX for {$49.00} this caused an overdraft fee of {$15.00}, on XX/XX/XXXX another fee for {$49.00} was withdrawn caused an overdraft fee {$15.00}. 

I became of aware of these fraudulent transactions after I attempted to make a ATM withdrawal. I contacted tcf Bank they informed me of the bank that was making these alleged withdrawals. They also claimed that it seemed suspicious according to their records. Whereas, I have never authorized any automatic payment from account since opening on or around XXXX. The bank representative informed me that they suspected some illegally activity but refuse to XXXX XXXX my account unlike most banks and credit cards company. I also believe that someone from within TCF who is authorized to monitor my account. Is fully responsible for my hardship. 

This fraudulent transaction has brought hardship and stress as a senior citizen living on a budget, I can not afford any overdraft fees that I am not responsible for. TCF failed to notify me of these illegal transactions and too safeguard my identity. They refuse to start a complete investigation to have the bank in question to refund those illegal withdrawals. TCF also allowed for my identity to be misused and abused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer XXXX XXXX XXXX, as shown in Attachment of this complaint '', received a form from the Company alleging that Consumer owed a debt. Company violated 15 USC 1692c ( a ) - Communication in connection with debt collection. Defendant violated this code because it states in this subchapter : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Consumer did not give prior consent to company to communicate with him about any debt. Company did not receive express permission of a court of competent jurisdiction to contact Consumer about any debt. Company also violated 15 USC 1692j ( a ) - Furnishing certain deceptive forms. Company violated this code because it states in this subchapter : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company form that was received by Consumer is defined as a deceptive form as described in this subchapter because the said form created the false belief in the Consumer that a person is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company finally violated 15 USC 1692e ( 14 ). Defendant violated this code because it states in this subchapter : The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. As shown in Attachment of this complaint '', company form clearly shows the name of XXXX XXXX organization, which according to this subchapter is not the true name of the debt collectors business, company, or organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EdFinancial Services
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against Ed Financial Services regarding the mishandling of my student loan account. Despite multiple attempts to address this issue directly with the company, I have been unable to find a resolution, and I believe intervention from the CFPB is now necessary. 

My complaint centers on the following issues : Failure to Update Accurate Loan Balance : Over the past several months, I have diligently requested Ed Financial Services to update my loan balance accurately. These requests have been made through multiple emails and attempted phone calls. Unfortunately, my requests have been met with complete silence, and my loan balance remains incorrect. 

Charging Interest Based on Incorrect Amount : To my dismay, I have recently discovered that Ed Financial Services has been charging interest on my loan based on an incorrect and inflated balance. This not only impacts the accuracy of my account but also results in unfair and unjustified financial consequences for me as the borrower.

I firmly believe that a student loan servicing company bears the responsibility of maintaining accurate loan balance information and providing efficient and responsive customer service. Ed Financial Services has failed on both fronts, leaving me frustrated and concerned about my financial well-being. 

. 

I kindly request that you acknowledge receipt of this complaint promptly and provide me with a reference number or case identifier for tracking purposes. 

I am hopeful that your intervention will lead to a fair and timely resolution of these issues, which are negatively impacting my financial stability and well-being. I look forward to your response and assistance in this matter. 

Thank you for your attention to this complaint and for your dedication to protecting consumers ' rights. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-09-07
Company: EdFinancial Services
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ed Financial Services are my new Student Loan Servicer. As part of the Fresh Start Program, my Loans are suppose to be in good standing and reporting positively with No Late Payments. The update was to come 90 days after I signed up and has not been done. I have contacted the company numerous times as it shows in their records to get the turn around time and consequently to make sure the request has been done. Was told ny XXXX XXXX on XX/XX/23 that it has not and can't be expedited.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case

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 2023-10-06
Company: EQUIFAX, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: LA
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 recently disputes errors for with my credit report pertain to a charged off account with XXXX XXXXXXXX both accounts opened XX/XX/XXXX and XX/XX/XXXX. Charged off accounts should Never be associated with any late payments on top of it a charge off account. 
While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Names XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Theses charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item IMMEDIATELY It is illegal according to FCRA section 623 it states that an account can be reported delinquent on the months that it is delayed but once an account is closed it can only reflect charge off or late up to the date that it closed due to this violation the account by law is required to be delete any information including the account from my credit report permanently I previously disputed the same errors with CRA TO INVESTIGATE THE FACTUAL ERRORS ON MY REPORT Experian XXXX they properly researched the account errors and deleted the account from my file using the the FCRA LAWS THAT WERE VIOLATED BY XXXX XXXX XXXX and XXXX  XXXX XXXX ALL CRA SHOULD BE REFLECTING THE SAME BALANCE PAYMENT HISTORY AND THEY DO NOT OTHER FACTUAL ERRORS VIOLATES FCRA REGULATIONS I HAVE ASKED THE CRA Experian & XXXX TO INVESTIGATE violations and THEY FAILED TO COMPLY with Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA XXXX and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I have also filed complaint with the XXXX  AND FTC IN REGARDS TO THE CONSTANT NEGLECT-ION OF MY DISPUTES

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