BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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 company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau XXXXesponsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-04-09
Company: CCS Financial Services, Inc.
State: FL
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 company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPA
A rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is attempting to collect on a fraudulent private loan that I was forced to take out by the XXXX XXXX XXXX XXXX XXXX. I have submitted a complaint regarding this in the past. Please see case XXXX. I have attained legal representation regarding this act of theft. My legal counsel instructed me to obtain a copy of my original promissory note. This has yet to be delivered. Navient actually sent me another students promissory note in one request ( Breaching that students right to confidentiality ) and completely ignored my second request. With that being said, I am demanding I be released of all liability regarding this dept or I will urge my lawyer to take this case alongside many other to court in a class action toward the XXXX XXXX and navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Pursuant to 15USC 16802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with se It is the bureau 's responsibility to report accurate information ONLY, this account is listed twice with different account information, if it is for the same account how is that possible. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates. REMOVE IMMEDIATELYction 6803 of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: AR
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 Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Saturday XX/XX/XXXX, I had deposited {$600.00} into my account and now I have learned that my account was frozen due to transactions that I have verified multiple times over the span of six months and having to go to the branch multiple times and it has been inconvenient and frustrating beyond belief. I have spoken to Truist multiple times to their debit card fraud department and now their enterprise fraud management and they're saying my account is under review and the money I deposited was money from my mother and was to be used for rent and now its behind and I'm beyond frustrated. They have done this over a span of six months where I have had to verify transactions such as XXXX XXXX XXXX XXXXXXXX purchases and it is ridiculous.

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 2023-11-26
Company: Avant Holding Company, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A charge-off was reported at the beginning of 2020. The balance of said charge-off is reporting as current and has increased my credit card utilization in clear violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received several {$100.00} American Express gift cards which are virtually useless and frankly it should be considered criminal activity that American Express is purposefully making the card unable to be used at all major online retailers. The card will not be accepted at XXXX, XXXX, XXXX, XXXX, and on and on. They claim it can be used anywhere an American Express is accepted, which is a flat out lie. XXXX requires that the card match the cardholder 's name and address ( which American Express is aware of ), but Amex will no longer allow a person to register their name and/or address to a gift card. Presumably so that the card will get declined at every major online retailer ( like is being done ). Again, this is absolutely criminal and an intentional act by Amex to hold money longer or forever from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Winklevoss Exchange LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
For several years I had an account with XXXX. They then transferred my account to Gemini on XX/XX/XXXX. When I attempted to withdraw crypto and currency from my account on XX/XX/XXXX, to close it, I was unable to and received an automated message that they were still " verifying '' me and were experiencing high volume. I initially had {$10000.00} invested. That is down to only {$3800.00}. I need my money back. I need your help. They are a XXXX enterprise. I can not afford to lose my money. They are not responding and there is no way to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: DISCOVER BANK
State: SC
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:
Peace love and abundance. 
According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

also 15 U.S. Code 1692c - Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

as well as the agencies not supposing to report on accounts older than 7 years of age.

With this being said : All items being reported on my credit should be removed immediately! 


DEPT OF ED/ XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} DEPT OF ED/ XXXX  Date Opened : XX/XX/XXXX Amount : {$5400.00} DISCOVER FINCL SVC LLC Date Opened : XX/XX/XXXX Amount : {$510.00} +

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: WI
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 second 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-05-06
Company: NAVY FEDERAL CREDIT UNION
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:
There is an inquiry on my XXXX credit report from Navy Federal I didn't submit an application for this. I called them but they failed to fix this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
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 have previously disputed information with Equifax Credit Bureau more than once. On the majority of accounts included in my chapter XXXX bankruptcy the either the date of last activity and or the last payment update keeps getting changed. The credit bureau had already fixed this at least two times. Now I can not even contact a live person & I am finding that the only way to deal with Equifax is to file a complaint. 

This is what Equifax had told me in the past. Once accounts included in bankruptcy show up on the consumer credit report, the last payment & date of last activity, need to reflect or show the same month and year of when the bankruptcy has been filed. In my specific situation the date of last activity & the last payment need to reflect XX/XX/XXXX. What is happening is that the last payment is showing up for the year XXXX. 

Equifax credit bureau needs to lock out the creditors included in chapter XXXX bankruptcy from making any further changes. A few months ago everything was completely accurate. Now with the date of last payment showing XXXX the trade lines in the report are now inaccurate. 

I am requesting that the current online dispute that I have currently open, that each account that I have being disputed, be deleted from the credit report. For having to go through this again for at least a third time, violates the FCRA, Fair Credit Reporting Act. 

Equifax, as far as I'm concerned, can make it so that all accounts included in bankruptcy, can not be updated unless disputed by the consumer them self.But this credit bureau will not take proactive action to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: TX
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX I made a purchase on the internet of {$37.00} on XXXX XXXX. My billing statement for XXXX arrived with a charge of {$100.00} which was entered as a sales account adjustment with no previous balance. I tried several times to contact the vendor where all I could leave was a voice-mail and an assurance they would call back. None of my calls were returned. I contacted XXXX XXXX, explained the situation, and wast told they would file a dispute for the overcharged amount of {$66.00}. In the meantime I submitted a payment for the purchase I made in the amount of {$37.00} ( XXXX ) and given confirmation # XXXX. The due date for the payment was XXXX ( on time ). The next statement I received from XXXX XXXX was now {$100.00} with interest of {$2.00}. All statements since, have crazy fees deductions and additions. I have regularly called trying to settle the overcharge, sent explanations to their XXXX XXXX XXXX South Dakota ( no phone for office ) and have spent hours on the phone trying to resolve the issue. XXXX XXXX is now harassing me for payment, and has immediately reported a non-payment to the credit bureaus. My XXXX XXXX dropped about a XXXX points from them, and this fraudulent charge has been constantly under dispute. I am starting to think XXXX XXXX is committing this fraud. Before this happened I had to dispute another charge which was resolved back in XXXX of XXXX. I have not used their card since then. XXXX XXXX not talk to me ( their logo on the card ) as XXXX XXXX is a LLC management company. I have always maintained an exemplary credit rating through the years and my available credit has been especially high. I need help with this company to get this resolved. Thanking you in advance. I wii not pay this charge until XXXX XXXX can provide proof of purchase, which they cant..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-06
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # 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 an account without my written instruction.

15 U.S.C. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer 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 subpoena issued in connection with proceedings before a Federal grand jury.

Company response to consumer: Closed with explanation