BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I found out that I had a medical debt collection of {$1000.00} on my credit report. The debt collection agency was Plus Four INCXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX but the number ( XXXX ) XXXX was disconnected. I then contacted the original billing company XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX at XXXX. Apparently, I was seen at XXXX XXXX XXXX XXXX around XX/XX/XXXX and they failed to bill the correct insurance company. Since then I have moved twice and they failed to notify me properly before sending this to collections. What I find unusual is that XXXX XXXX XXXX was able to billing my XXXX XXXX  correctly but XXXX billed my XXXX XXXX incorrectly. They were supposed to bill XXXX as the primary and XXXX XXXX secondary. Apparently, they just billed XXXX XXXX and they told XXXX to bill my primary but XXXX didn't bill XXXX for some reason. 
I then gave XXXX my old XXXX account information so they could go ahead and properly bill the insurance company to collect their money. Since XX/XX/XXXX, I've been calling XXXX billing office regularly and they have yet to send a bill to XXXX to collect nor have they removed the amount from collections. I feel I have done nothing wrong yet I have a debt under collections and XXXX is failing to act on collecting from my health insurance company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
Bank of America continues to mail unsolicited convince checks on my credit card. I have asked them to stop this over 18 time but for some reason they refuse. At issue ; these are mailed in XXXX XXXX Texas, ground zero for postal fraud. The risk is they are intercepted and used. I know I would not be responsible for the charges but Bank Of America has a poor reputation for customer service. Please make them stop

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 2021-02-04
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: Their investigation did not fix an error on your report

Complaint:
There is a company XXXX XXXX reporting a collection on my credit report and I have no idea who or what is. I have reached out to the credit bureaus and sent my identification ... .This XXXX company got bought out by XXXX  and no one will respond to my letters .... I know the bureaus get paid by these companies and they took one look at my ID and figured ok .... black ... no response ... Sorry to rant I'm just so upset that the bureaus would allow this ... ...

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 2023-02-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 3rd 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, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XX/XX/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 2023-11-21
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting 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 was asking for a credit limit increase online for Macy 's credit card, and they did a hard pull credit inquiry from XXXX without proper authorization.

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 2021-01-22
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, XX/XX/XXXX I received a notification from XXXX XXXX XXXX  and XXXX advising that a new debt was owed to XXXX XXXX XXXX in the amount of {$11000.00}. This is a false amount owed. For the past almost 6 years this same company under another parent name of XXXX XXXX XXXX has been reporting a charge off for the same XXXX Cobalt of only {$4100.00}. Per the screenshots directly provided from XXXX  website. This is the same vehicle and account as you can also see by the date the account was opened : XX/XX/XXXX. Being that they are coming up on their expiration for reporting they have randomly added this false information to my credit line in an attempt to swindle more time and money out of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: AFNI INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. The debt was turned over to collections and that is how I found out that I had become a victim of identity theft. I notified XXXX XXXX, XXXX XXXX XXXX and XXXX with phone calls and letters. On : XX/XX/21 I provided all three companies with a letter stating that I was a victim of Identity theft along with ; Identity Theft Report, Police Report, Proof of Identity, Notice to Furnishers of Information. On : XX/XX/21 I sent a follow-up letter with all the previous information. On XX/XX/21 I still had not heard back or received any information. Again, I sent another letter with all previous information. I then contacted all three credit reporting agencies and sent them the information that I had sent XXXX XXXX, XXXX XXXX and XXXX. They did an investigation and found that I was indeed a victim of identity theft and removed the collection from my credit report. I believed this situation had been resolved. In XX/XX/2021 I received a phone call from AFNI Collections in attempt to collect a debt on behalf of XXXX. I explained to them that this has already been resolved and that they should contact XXXX. They sent me a packet, with a list of items, stating that I need to provide them to properly process the fraud claim. I have already spent so many hours working on this fraud claim only to have it start-up again with an another collection agency. XXXX has never provided me with an account application made on paper, online, or by telephone, account statements, signatures on applications and accounts, investigators report, and any information where the account was opened. All XXXX has done is keep sending this to a new collection agency for them to try and collect on a fraudulent account. XXXX needs to be held accountable for their poor business practices that allowed this to happen in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
My complaint is inregards to business with Western Union, as a customer I truly feel they practice Deceptive business practices and I feel I am a victim to these practices. 
I purchased three money orders to pay my rent. I made them payable to XXXX XXXX and mailed them, XXXX XXXX informed me that they never recieved them. The money orders have not been cashed so I considered them lost. 
I followed instructions on reciepts in regards to get a refund. Around XX/XX/XXXX I called wester union customer service and stated that the money orders were lost and I needed a refund. Western Union customer service told me to wait 15 days then mail in original copies filled out signed and make photo copies for my own records. 
I felt odd that western union customer service wanted originals, and I literally asked twice if it was nessasary to send originals and not a photo copy, the customer service rep stated Yes, then stated I must send in {$15.00} dollar per money order processing fee for refund request then wait 30 days for refund. 
I did not feel comfortable sending in fee so I asked if western union could deduct it from the refund, the customer service rep said yes. I mailed money order reciepts in on XX/XX/2018 to a post office box that the western union receipt states, and was confident that I would recieve refund in 30 days minus processing fee. 
30 days passed and I didnt recieve anything. I called western union customer service on wendsday the XXXX of XXXX and western union service rep told me western union havent recieved Any Reciepts from me, this upset me and made me fill very uncomfortable. The western union representative seemed to just keep reading a script that ran me in circles, the service rep Literally told me I had to mail the reciepts again and wait 30 days. I told the rep I dont have physical copies because I was clearly told that it was Procedure that I mail Original Copies to them. 
I then asked if western union had an email address I could scan the copies I have to western union,  they said Yes scan them too XXXX. 
I then asked why the service rep did not have me scan copies to that address originally instead of stating it was procedure to mail original copies, and the rep would not answer directly, and that made me fill uncomfortable and truly felt their business practices were deceptive. She stated I should scan the reciepts, and call back in 5 business days. 
I feel the customer service is terrible, and I still have not recieved a refund after I followed the procedures stated to me over a month ago. 
I could not imagine the frustration an elderly person or mentally disabled person would have with the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2022-07-10
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instruction

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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bank of America called me me in early XXXX, I believe around XX/XX/2023 to report fraudulent activity on my card. The man on the phone claimed that someone was trying to ship things to Texas, and I confirmed that I did not make those purchases. He began shutting down my credit card for me. In the next few hours, there continued to be more fraudulent charges made to my account, namely to XXXX, XXXX, XXXX, and XXXX XXXX. In the Bank of America app, I submitted a claim on XX/XX/2023 that these claims were fraudulent. A month later, Bank of America closed the claim, saying that I had in fact made those purchases, though I hadn't. I called Bank of America to re-open the claim on XX/XX/XXXX. I have since called Bank of America about the issue once on XX/XX/XXXX, where the woman on the phone told me that it seems like my chip was used at those sites, which is impossible, as my credit card was with me, and I was at work at the time.

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 2021-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
{$370.00} I have never owned a credit card. This is not mine, I have tried to remove with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I disputed inaccurate information that was being reported by XXXX different creditors on my consumer reports with the XXXX XXXX XXXX, initiated over 6 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter to you disputing this item as erroneous and fraud on XX/XX/2021 and mailed it. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Navy Federal Credit Union has yet to remove the account I Opted-out of on XX/XX/2023. Please delete this account as it is hindering me and my family financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent out a Validation of debt letter out XX/XX/2021 and company responded back with No proof of debt validity. No signature, agreement and/or contract between the consumer and debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
PLEASE REMOVE THE FOLLOWING INQUIRIES AND ACCOUNTS FROM ALL THREE CREDIT BUREAUS IT DOES NOT BELONG TO ME : TRANSUNION INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

TRANSUNION ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: IN
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 reviewed my consumer reports and noticed that I had a late payment on an account 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 listed : Account Name : XXXX XXXX XXXX Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.XXXX XXXX XXXX has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account XXXX XXXX XXXX have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX my husband and I bought a house in Florida with an 80/20 loan from XXXX. 
Our house dropped in price drastically, so we had to file for bankruptcy. 
XXXX  XXXX XXXX did a refinance and which at the time we thought it included a first mortgage and line of credit. 
We have been current for over 12 years on our first mortgage. 
Two years ago, we received a notice from Specialized loan Service company saying we owe approx. {$120000.00}. ( $ XXXX LOC, $ XXXX interest and $ XXXX in other fees ) We told them the {$50000.00} line of credit was tied into our bankruptcy that we had thought was included in the loan modification. 
They stayed silent for 10 YEARS all while letting $ XXXX of interest and fees accrue. They just now let us know that they want to go after our house since it now has equity. 
If we would have been given a notice, we would have made sure everything was paid from the start. 
We have been trying to settle with them for a reasonable amount for almost a year with no real chance to save our home. 
My husband and I are in our XXXX and we are also the caretakers of my XXXX mother who has extreme medical conditions. 
Their options for us are to pay the {$120000.00} upfront or a loan modification by paying {$25000.00} upfront and 10 % interest on the total of {$120000.00}. 
This problem has caused much stress in my work and personal life and its starting to affect my physical health. 
I hope there is something the CFPB can do on their end as I feel like what they are doing is predatorial. 
Thank you for taking time time to read this message.

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