BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had a medical expense from an emergency in XXXX. We had negotiated with the insurance ( XXXX ) at the time and had assume the matter was settled. I was surprised to receive a letter n XX/XX/XXXX that the insurance refused to pay certain amount and the hospital is now looking to recover that cost. I no longer have XXXX and is very hard to coordinate on why the insurance declined to pay as i had already met the deductible for that year. 

Eventually this debt resulted in the hospital transferring to a debt collection agency who was making repeated phone calls. They had also increased the debt amount tacking on additional interest. 

I have sent a letter to the debt collector to provide us a written debt verification statement as soon as possible including a request asking for they are prepared to accept less the balance that is currently in the statement. 

It has been more than 30 days since i sent this letter and i have not received any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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: Their investigation did not fix an error on your report

Complaint:
Inaccurate information on my credit report : 1 : XXXX XXXX - XXXX 2 : XX/XX/XXXX - XXXX 3 : XXXX XXXX - XXXX 4 : XXXX XXXX XXXX - XXXX 5 : XXXX XXXX XXXX - XXXX 6 :XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/2023 9 unauthorized ATM transactions were made in my Chime Financial Inc bank account totaling {$3000.00} On XX/XX/2023 I filed a dispute with chime and provided them a detailed statement of the event On XX/XX/2023 Chime Financial Inc denied my claim with no explanation. 
When I requested supporting documentation for the denial of my claim I was told it would take up 10 business days to receive the documents. 

This has led me into financial hardship and emotional distress. 

The agents at Chime Financial Inc are asking me to provide proof, or police reports to an incident I was not present for. Which I dont believe is allowed in Regulation E In order to file a police report I must have the supporting documentation of the denial of my claim, and waiting 10 business would put me at risk for evictions and repossessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 2022-02-09
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX XXXX I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation. 
You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a CD which was maturing on XX/XX/XXXX. The grace period for this XXXX was ten calendar days after maturity or XX/XX/XXXX. On XX/XX/XXXX, I called US Bank at XXXX which is their XXXX XXXX XXXX and spoke to XXXX in that group. I explained to XXXX that I received a flyer in the mail from US Bank which advertised a special CD rate of 4.10 % APY for 17 months. XXXX told me that he would take care of moving my CD into this new special rate CD at 4.10 % APY for 17 months. He said that I would receive confirmation of this in the mail. When I did not receive anything in the mail, I checked online only to find out that my CD was never transferred out of its original rate of .05 % APY for 24 months. I have since called US Bank on three separate occasions, and have gotten assurances from them that this would be taken care of and I would get a phone call back from them. It was never taken care of, and no one ever called me back. On XX/XX/XXXX, I spoke to XXXX, who said someone would get back to me. On XX/XX/XXXX, I spoke to XXXX, who transferred me to a manager named XXXX. I was told that the Customer Care Unit was working on this and would resolve it and get back to me in 2-3 days. On XX/XX/XXXX I spoke to XXXX who told me that XXXX was working on this with XXXX and the number for this file/issue was XXXX. XXXX transferred me to XXXX and I got her voicemail and left a message. As of today, I have not received any satisfactory resolution, nor has anyone from US Bank ever called me back. This is unacceptable and extremely poor customer service. I am also losing a considerable amount of money due to the bank 's error, as my CD is still in a 24 month .05 % term and rate instead of the 17 month 4.10 % term and rate which I was promised by the Bank.

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 2022-02-17
Company: EQUIFAX, 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:
The consumer reporting agency violated XXXX XXXX XXXX XXXX ( XXXX ) by furnishing a XXXX XXXX XXXXXXXX account on my consumer report without my written permission. I never gave the consumer reporting agencies written permission to furnish XXXX XXXX XXXXXXXX on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
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: Was not notified of investigation status or results

Complaint:
violation of my FCRA. I had submitted a dispute on two separate occasions by certified mail ( XX/XX/2021 and XX/XX/2021 ) to Transunion Credit Bureau. The credit bureau has not acted on my disputes so I am demanding the collection of ( XXXX XXXX XXXX XXXX XXXX XXXX ) be remove immediately as the bureau has more than enough time to conduct the investigation. Their failure to promptly act and investigate have caused me undue financial hardship. I am unable to obtain credit because of this fraudulent collection. Please compel the 3 bureaus to remove this collection 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 explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX UNAUTHORIZED HARD CREDIT INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CIR, Law Offices
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint XXXX XXXX XXXX  Court : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Amount : {$1300.00}, and any other amounts due thereunder.was paid however the agreed obligation to file removal from supreme court Lien has not been honored and its been 6 years and several requests and promises that this would be done. This has caused financial harm with title reports showing this false debt Lien.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-16
Company: EQUIFAX, 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I posted the monthly payment due XX/XX/2018. Instead of posting it as a monthly payment, the company posted it as additional principal. I had CLEARLY indicated it was a monthly payment but they ignored this. 

This has happened before in the past and they have not fixed the recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: 1st Franklin Financial Corporation
State: GA
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:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : XXXX XXXX XXXX XXXX Original creditor : XX/XX/XXXX XXXX XXXX XXXX 
AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/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 explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MD
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 or About XXXX, XXXX, I moved to XXXX XXXX area for work. Right after I moved but in the process finding a permanent resident, a XXXX at XXXX offered a stored card at the time of check out. She asked for my driver 's license. I gave her a Utah driver 's license because I just moved and I haven't gotten a California driver 's license. The cashier did not ask me for an updated information. She just scanned the Utah driver 's license and gave me a temporary number on a receipt for the new card. I paid for the groceries with new card. 
The cashier did not ask my new address. The driver 's license she scanned had an old address. I did not receive a bill or a plastic card from XXXX until the late payment showed up on my credit report. I paid the balance as soon as I found out. 
XXXX failed to ask me for up-to-date information at the time as the cashier failed to collect accurate information. It resulted in a late payment. 
I disputed this fact with Experian multiple times. But Experian kept shutting my dispute down within hours, commenting " account previously in dispute - investigation complete, reported by data furnisher ''. Adding in 're-investigation information ' section, " this item was updated from our processing of dispute in XX/XX/XXXX. '' Experian doesn't disclose what information it received from XXXX that showed I wasn't telling the truth. It failed to investigate my complaint.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX  has a 30 late payment listed on my credit report that is inaccurate. I have made numerous attempts to get this reporting corrected and have not received any response from XXXX. I have been waiting over 90 days. Under the FCRA this late payment should be deleted immediately due to lack of response.

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 2018-08-02
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
since XX/XX/2017 I have been calling and sending them copy of my taxes and insurance they had the wrong amount on both which caused me to have to pay more in payment because it took them so long to get it right, now the account is paid on time as of XX/XX/XXXX.XX/XX/XXXX was paid by due date, im in the process of asking them to correct my credit and late charges because of their fault in correcting my account to show the proper amount they owe me money. I was diagnose with XXXX in XXXX had XXXX in XX/XX/XXXX which did not help the situation either, but never the less they XXXX up my account so bad and everytime I called to get it right I had to start from scratch, it was not easy dealing with XXXX XXXX recovery theraphy and now finally XXXX medication which are also very expensive, when they are charging me the wrong amounts making my pmts over hundred s of dollars over the correct amounts every month just because one side don't know what the other hand is dong they cant get it right until I took over so they get it fix. this has been a big problem for us. please have then correct this information thy are reporting which is incorrect. thank you mr and mrs XXXX it is not fair to the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Exeter Finance Corp.
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: Their investigation did not fix an error on your report

Complaint:
I filed a complaint against EXETER FINANCE LLC account # XXXX on XX/XX/2023 because I found inaccurate reporting on my credit reporting from EXETER FINANCE LLC and according to the FAIR CREDIT REPORTING ACT I have the right to 100 % accuracy on my credit report. I complained about the inaccurate DATE OPENED, HIGH CREDIT DISCREPANCIES, LAST REPORTED DATE DISCREPANCIES, DATE LAST ACTIVE DISCREPANCIES, DATE OF LAST PAYMENT DISCREPANCIES, & TWO-YEAR PAYMENT HISTORY DISCREPANCIES. The company responded on XX/XX/2023 that the information reported on my credit report was verified and accurate which is completely false because I pulled my credit report after my monthly report updates on XX/XX/2023 and EXETER FINANCE LLC still has inaccurate information and discrepancies reported on my credit report. The law states that if ALL inaccurate information & discrepancies arent updated within 30 days of the complaint then the account MUST be DELETED from consumers credit file. I request that the account is deleted from my credit report immediately! 
I have attached documents to support my claim such as : - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - Companys response that verified was accurate and verified which is NOT TRUE. with response HIGHLIGHTED According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy section ( 5 ) ( A ) ( i ) states : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2022-02-15
Company: Cedars Business Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company pulled my credit report without my consent and is using that information to harass me. I have asked for a debt verification letter, and the company has stopped sending me emails, but continues to call me 15-25 times in a row every morning and afternoon, usually while I am at work. They are also using internet-generated numbers, so it's never the same phone number that calls. 

The company still has not provided the requested debt verification letter, either. 

Cedar Business Services Email sent XX/XX/2022 : What are you referring to? Your company has consistently claimed this debt against me, but you haven't provided any of the debt validation paperwork. This is a request to validate the debt you are contacting me about. I do not know how your company gained my information, as I have never heard of them. Your company has also illegally obtained my personal information and have used it to harass me at work by calling my phone. Therefore, until debt validation is received, in accordance to my state law, do not contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation