BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: Professional Recovery Management
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two insurance that was given at the time of the procedure. The doctors office failed to submit both insurance. They were notified by one insurance that they were the secondary and had to submit to the primary and then submit the remaining to them. I have contact them several times letting them know that I have a primary and a secondary insurance. The office resubmitted the insurance to the primary and fail to submit the secondary the remaining balance. Each time the doctor  office was notified to submit the bill in the correct order primary and secondary. And each time they failed to submit in the correct order. The Secondary insurance is now saying it is too late to submit the balance due to the fault of the doctors office and will not pay the balance. The secondary insurance says that the doctors office need to do a write off because its their fault for not timely submitting the bill. I should not have to pay a balance when I have two Insurance that covers all the charges and the doctor office Failed to submit the insurance company both primary and secondary after being told several times to correctly submit the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is bothering! Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please haev the following items corrected and or deleted as soon possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 2023-06-06
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 
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 DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPTEDXXXX XXXX DPTED/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 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, US DEPT ED Account # : XXXX, XXXX Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2022-09-28
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My debit info was stolen, and about {$10000.00} was taken from me. I spent days at the local PNC branch disputing transactions ( I had a police report and plenty of proof and admittance of the person that stole the money ). The dispute was not filed correctly ( the branch admitted this to me ) and it was passed between 2-3 people during the process, so some items were not disputed that should have been, or were disputed that shouldnt. The bank refused to give me provisional credit during the investigation, even though I had proof of everything. The bank ended up denying my disputes, closing my account, and stating account abuse. The branch is at fault, and admitted to filing my disputes incorrectly. XXXX XXXX at corporate was well aware of all angles of the situation and would not help me get it straightened out. I am a single mother of XXXX, have been evicted during the process, and am still without the money that was stolen from me. And now am without a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I received a call from my mom, she was crying and a man told me he had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Long story short and 8 minutes later, I had been forced to send a XXXX and XXXX transaction to this man for {$1000.00} each. After texting my mom 's phone confirmation of the payment, my mom, very confused, called me to tell me she was completely fine. 

I immediately notified Wells Fargo and XXXX. XXXX prevented the transaction from completing within the day and confirmed they did so because it was not considered an " authorized '' transaction. 11 days later, Wells Fargo refused to refund my money and stated it was because I authorized XXXX to make the payment and that XXXX was a third party, one that Wells Fargo was not responsible for. I appealed the decision with Wells Fargo Executive Offices and was refused twice. I also requested documentation of the decision but have yet to receive those documents. When I asked about the fact that Wells Fargo OWNS XXXX and created XXXX from XXXX XXXX XXXX XXXX XXXX ( a corporation created by the major banks ) they did not provide me an answer. I also appealed the decision on the grounds that the Electronic Funds Transfer Act requires financial institutions to refund customers that were forced to withdrawal money from ATMs while under threat/duress and this situation is no different. Again, no response from Wells Fargo. 

I understand I only lost {$1000.00} but I can not accept the fact that Wells Fargo told me it was my fault for using a third-party money transfer company which they own, they endorse on their app and they allow their customers to continue to use despite admitting there are signifcant issues with the program. XXXX is their scapegoat which allows them a loophole to avoid compliance with the Electornic Funds Transfer Act. This further does not make any sense when a company like XXXX, was far less resources, was able to address the situation swiftly.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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

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 2023-06-06
Company: EQUIFAX, INC.
State: TX
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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 disputed capital one since it appeared again on my credit report again as a charge off and late payments, this is fraud, capital one personally removed it last year due to fraud so it shouldnt off been added back on thats illegal and against fair credit reporting act, I need this removed now since capital one is fraud and I didnt sign up for it and as they see on there records it was indeed removed and Capital one did remove it 1 year or so ago and thej just after that long add it back as charge off that isnt right and against the law remove it now from my credit and block thisninfo

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom may be concerned : Upon reviewing my credit report I noticed that the three XXXX  XXXX XXXX account # XXXX has many discrepancies from the date in which the account was opened Transunion is reporting the open date of XX/XX/XXXX and XXXX is reporting XXXX.The next issue if the closed date Transunion is reporting the account closed on XX/XX/XXXX however XXXX is reporting that this account is still ( OPEN ) .The account rating in inaccurate Transunion is reporting the account is closed and XXXX is reporting the account is paid.The creditor type is not correct Transunion is reporting this account as Educational and XXXX   Is reporting this account as Miscellaneous. The last payment date Transunion reported XX/XX/XXXX and XXXX reported XX/XX/XXXX. In addition, if there is a loan that is being reported the term date has to be listed and Transunion reported 120 term and XXXX reported no terms at all. 

In additon, XXXX  is reporting that i have a third XXXX XXXX XXXX account # XXXX in the amount of {$6000.00} it is stating that the open date is XX/XX/XXXX and the closed date is XX/XX/XXXX as well and neither of the other credit reporting agencies is reporting a third loan If this is the same account that is reported by the same creditor in XXXX & XXXX how are these dates different? Due to the apparent neglect in ensuring everything on my credit report is accurate and consistent and up to date as required by the FCRA please " DELETE '' these items IMMEDIATELY. Also another thing that was observed was the fact that if the account is stating that it is closed why is there a payment reported in XXXX? 

Please review the attached information of the three accounts in which I am referring to. 


Thank you for assisting me in this matter 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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
please remove these fraudulent/unauthorized inquiries from XXXX XXXX  XXXX  XX/XX/2021 and XX/XX/2021 or provide proof in writing within 30days.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 constantly sent dispute letters for the last 3 months to all three credit bureaus concerning two accounts. XXXX XXXX and XXXX XXXX. XXXX XXXX continues to report different closing dates and last pay dates. I have gotten responses that the account is accurate and verified, which is absolutely false. XXXX XXXX continues to report inaccurate late pays including two 30 day late pays, one in XXXX and the other in XXXX of the same year ( 2019 ), and two 120 days late in XXXX and XXXX of the same year, while the other bureaus report different information as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is my second complaint against MDS. The most important of my complaints is that this company failed to provide a signed HIPAA Business Associate agreement between the original creditor and their authorized rep which means that they are clearly in violation of the HIPAA Privacy and Security Rules. I requested this document in my previous complaint through CFPB as well as in my second letter sent directly to MDS. Secondly they placed this unverified debt on my credit reports without making any efforts to contact me. I was only made aware of the debt when I took the liberty to check my reports. This companys collection and communication practices are evasive and deceptive and I would like for this company to please remove this negative account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dear CFPB, I am writing this letter to formally request that the company Andreu, Palma, Lavin, & Solis, PLLC cease all communication with me regarding the alleged debt in question from 2011. I have reason to believe that the debt in question is fraudulent, and your attempts to collect on it constitute harassment under the State of Florida 's harassment laws.

I have never entered into any agreement with your company, Palma, Lavin, & Solis, PLLC or any of its affiliates, and I have no knowledge of the alleged debt. Furthermore, I have not received any documentation regarding the debt from 2011, as required by the Fair Debt Collection Practices AAndreuct ( FDCPA ). 
Your repeated attempts to contact me via phone calls, text messages, and emails have caused me significant distress and XXXX. I am fully aware of my rights as a consumer under the FDCPA and the State of Florida 's harassment laws, and I demand that you immediately cease all communication with me. 
I demand that the company Andreu, Palma, Lavin, & Solis, PLLC provide me with written and signed documentation of the alleged 2011 contract with my signature, and a copy drivers license of the alleged debt dated from 2011 within 5 business days. Failure to provide such documentation will be considered a violation of the FDCPA and harassment under Florida law.

If the Andreu, Palma, Lavin, & Solis, PLLC company fails to comply with this request, I will be forced to seek legal action to protect my rights as a consumer. Any further attempts to collect on this alleged debt will be considered harassment and will be dealt with accordingly.

Sincerely,

Company response to consumer: Closed with explanation