BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-02
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The services were performed at XXXX XXXX hospital that was in our plan. I called To have them code it correct for insurance company to cover. They did not change it therefore. It did not cover it due to their way of billing it out. All other services changed the way the bill was sent and it covered it. Services was performed @ XXXX  XXXX  which was in our Ppo ... but they show it as XXXX XXXX which is not in our ppo ... tried to get them to correct and they would not. Which resulted in them not getting paid by insurance. 
The reason insurance did not pay is because they show it performed @ XXXX XXXX & not XXXX XXXX. The other doctors that saw him changed the billing to reference they at XXXX XXXX  and the insurance paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a XXXX XXXX account in XX/XX/XXXX in that time I have been late with payments. However I have paid my balance. My credit limit was {$350.00} for three years. On XX/XX/XXXX XXXX XXXX went into my account and changed my credit limit to {$100.00} dollars. I recently submitted them a payment on XX/XX/XXXX of {$150.00} dollars. I received no warning about them decreasing my credit limit and they have never done this before. I informed them that I did not want a credit with a limit of {$100.00} dollars and that was not my initial credit limit. Customer Service and the Supervisor informed me that I could close my account and it would be reported as a closed account on my credit report which would lower my credit score. I feel like I am being forced to keep a card that the original limit was changed and if I don't it will affect my credit score. I have no documents because I was never notified by mail. I had to call them myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ Identity theft report was received by TransUnion to dispute and remove account on my personal credit report file number XXXX. This account was deleted on XXXX However, the creditor reinserted this inaccurate information. This is a violation of law by Transunion. See FCRA 605B ( 15 U.S.C. 1681 c-2 ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Based on the date of receipt of my identity theft report, and the date of the deletion being 4 business days apart, this item was initially blocked. First Violation Under section b. requiring notification, I, XXXX XXXX, the consumer, was not notified of the block being requested and the effective dates of the block. Second Violation Authority to Rescind - Because this item was reinserted by the creditor, Transunion used authority to rescind the block. The block was not made in error, the information was not based on a material representation, and I did not receive goods or services, or money as a result of the blocked transactions. The creditor ( XXXX XXXX ) is reporting inaccurate information regarding my personal information, specifically addresses that I am not associated with that Ive had to remove from my personal credit report. Based on this material fact and evidence, Transunions authority to rescind the block was made in error and I request this to be remedied. I have submitted another Identity theft report now that I have become aware of the amount the creditor is reporting.

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: NV
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} 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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX : XXXX. XXXX, 2023 ; XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 ; XXXX XXXX XXXX : XXXX. XXXX, 2023 ; XXXX XXXX  XXXX : XXXX. XXXX, 2023 these items above should be removed from my report immediately.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been actively trying to repair my credit for a while now. In the midst of me reviewing my report, I noticed that there were a few incorrect items on my report that is negatively affecting my score. In attempt to repair the errors I have sent out multiple dispute letters, without any luck. Most recently, I filed a XXXX letter, sent XX/XX/2021, and have yet to receive a response. It is now XX/XX/XXXX and I have yet to get a response, nor have I seen any changes to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Navient Solutions, LLC.
State: NM
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:
I graduated from college in XX/XX/2001 and my repayment began 6 months later. Over the past 20 years I have pretty much been on an Income Reduced payment plan with some periods of forbearance due to returning to school. I am a Federal employee and tried to get the civil servant forgiveness program. After giving the necessary paperwork I was informed that I didnt have enough time and needed to wait until I reached my 10 year service mark. I did just that. THEN I was told after 10 years service that I didnt have the " right loan ''. After 19 years past graduation I was told I had to get a different loan to qualify for the forgiveness ... so I got the loan they stated was needed. I called back and said ok ... I got the right loan and 10 years of service!! Then they tell me that the clock started over again!!! Are you kidding me?? I then inquired about something I read about loan forgiveness after 20 years ... .they said yes, that's true, but because you refinanced the clock started over. So, you're telling me that at 19 years post graduation you instructed me to refinance INSTEAD of instructing me to continue to pay for only 1 more year? This is shady business. When I retire in 10 years will I still have the same loan hanging over my head because you keep only giving bits and pieces of information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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 sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.

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 2019-10-07
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 at XXXX XXXX EDT I have made hotel reservation with XXXX XXXX, XXXX, XXXX for 8 nights in the amount of {$580.00}. On the same day at XXXX XXXX EDT after reading unfavorable consumer reviews I have decided to cancel this reservation. The reservation was active for only about 3 hours. On XX/XX/2019 at XXXX XXXX EDT I have sent email to this merchant requesting a refund back to my credit card. This merchant has responded to my email next day indicating for the first time ever that reservation and rates are non-refundable. At this time I have decided to file dispute claim with PenFed Credit Union, my credit card issuer and sent PenFed all supported documentation which indicates that non-refundable reservation was never disclosed to me during the reservation and cancelation process because this merchant on its website just does not disclose any cancellation policy at all. 
On XX/XX/2019 my Credit Union PenFed has sent me a letter indicating that dispute claim will be closed in my favor and that credits for the disputed claim are now permanent. 
On XX/XX/2019 I have received another letter from PenFed Credit Card Dispute Analyst XXXX XXXX now threatening to re-bill my account and consider the case closed. 
The case has been closed already on XX/XX/2019 in my favor. To me closed means closed, permanent means permanent. Please help. Thanks very 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 monetary relief
Consumer complaint received 2022-02-02
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:
While checking my credit recently, I noticed a few items that doesnt belong to me. The following accounts are fraudulent. 

XXXXXXXX XXXX {$6400.00} XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report submitted by myself.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: TN
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, XXXX, and Experian. 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 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 2023-07-11
Company: Credit Central Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NO CREDIT LOAN COMPANY HAS THE RIGHT TO SHOW UP AT MY HOME AT XXXX XXXX FOR ANY MONEY. I'M NOT OUT OF BED AT THAT TIME AND I SURELY DIDNT GIVE THEM PERMISSION TO SEND ANYONE TO MY HOME AS [ CREDIT CENTRAL ] A LOAN COMPANY HERE IN XXXX GA. DID THIS MORNING XX/XX/23. I WANT TO FILE SUIT FOR THEIR HARRASSMENT. THE LADY NAME IS XXXX THAT SHOWED UP AND THREATENED TO TAKE LEGAL ACTION. SAID SHE WAS OPENING UP AT XXXX AND I BETTER COME IN WITH PAYMENT. SHE TALKED TO MY WIFE AFTER KNOCKING ON DOOR THAT EARLY AND MY WIFE TOLD HER SHE HAD NO BUSINESS AT OUR HOME THAT TIME OF MORNING. SEE ATTACHED PIC OF HER CAR AT MY HOUSE AND THE TIME PIC WAS TAKEN. SHE HAD BEEN IN YARD ATLEAST XXXX MINUTES BEFORE I TOOK PIC OF HER CAR AND ANOTHER XXXX MINUTES AFTER

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX in the amount of {$610.00} is reflecting on my credit report. This account has not be properly verified according to law. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this account. And they are still allowed to have this on my credit report. 
Also, I have no contract with this company nor have I signed anything or have ever been notified. That 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 2021-06-30
Company: HW Holding, 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:
In XXXX, my mother moved into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I was not working with and living with my mother I was not working and a full time student under my mother care. The lease was signed and due to run XX/XX/XXXX XX/XX/XXXX. If wanted to receive a {$50.00} discount on the rental. In XXXX of XXXX, the apartment complex came to my mother and told us that they recalculated the numbers and we can move out and not have the additional months added. They had a tenant who wanted the unit. We SPECIFICALLY told them that we were under the impression that we had to move by XXXX. The apartment manager stated that it was incorrect and we can move now NO Penalty. 
Then after a couple months the new company decided that they didn't like the agreement and filed charges against me and my mother. XXXX XXXX. 
XXXX XXXX XXXX  owner XXXX c/o XXXX & XXXX filed a rental eviction on us to Appear in court on XX/XX/XXXX. Case # XXXX for the amount of {$1600.00} My mother called and they stated that it was a mistake and they cancelled their case with 36th district court. A couple months later it was added to my credit report. 
I called and they told they me that it was an error and that why the removed the case. I reached out to the company and since its now new management they wont speak to me. i filed a complaint with the credit bureaus. And I also sent Hunter & Warfield letters to rectify the error that is cause a huge problem with my credit file. Hunter and Warfield refused to respond to me. Instead they came up with this outrageous amount and trying to make me pay something in which they know I do not owe. They know that they removed the error from my mother account and just using me as a way to try to get an unlawful payment. 
The Credit bureau keep sending back verified. I send another asking the how did they verify it .. The sent another letter asking how did you verify and who and when did you speak with someone. XXXX  and XXXX did the same this and refused to kook into my claim.. 

They are trying to put debt on me that I do not owe. You can look at my payment history and see that i pay my bills. 
And further more I was not even living in that home, i resided in XXXX for months before. 

Im sending a complaint to CFPB due to the companies inability to correct this painful hit to my credit file.

Company response to consumer: Closed with explanation