BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i am disputing equifax for a posted removal. i have the documents to prove they should be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My unpaid medical debt owed to XXXX  XXXX Hospital of XXXX XXXX XXXX, FL for services provided for the birth of my son dated XX/XX/XXXX, showed up on my credit report XX/XX/XXXX. 

This is an exact example as to the information I was provided about the mentioned debt shown on my credit report dated XX/XX/XXXX. 

Account Details Last Reported - XX/XX/XXXX Collection Agency : XXXX XXXX XXXX   Original Creditor : XXXX  XXXX MEDICAL CENTER Status : Open Opened Date : XX/XX/XXXX Closed Date : Responsibility : Individual Account. 
Balance : {$1200.00} High Balance : {$1200.00} Remarks : MedicalCollection Agency : XXXX XXXX XXXX  I paid the balance of {$1200.00} in full in XX/XX/XXXX and never received notification/proof of payment. This debt was removed from my credit report on XX/XX/XXXX which is proof that I settled my debt with them. Now, two and a half years after my service date, XXXX XXXX Medical Center is claiming that this balance was never paid by XXXX XXXX XXXX and/or communicated with them that I in fact paid my balance in full. They are trying to bill my again for a balance that I already settled with this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Ability Recovery Services, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX XXXX, an affiliate of Ability Recovery Services, has been soliciting a payment from me relating to a medical bill I paid last year.I called them and was not given any information relating to the bill or why I was being contacted by this third party. The person on the phone told me they were aware the call was being recorded then told me I was breaking the law by recording it.The representative then told me that I had said that I was refusing to pay the bill, which I did not do, and that they would be reporting me to the authorities for this infraction.This is a total scam, these people have bought my information with the expressed intention of intimidating me into paying a fraudulent debt.I cannot believe companies are allowed to put their names on paper and operate with impunity.I am writing my senator about this.I hope action is taken.

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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good Day, I am XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Radius Global Solutions LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX sent money owed into collections. I closed my account with them and didn't use the service. Even sent internet router back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX  and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
My complaint is against trans Union. These accounts are more than XXXX years old and or not mine. For example, I moved in XXXX bought current property and an account was opened in XXXX. I was long gone. I disputed it and it stays on my credit report. Another example, I didn't know anything about a 2nd account and asked for copy of agreement for card and purchases. I got copy of statement from creditor, but nothing to show I did not open account, just monthly statement that I know nothing about. 
Yet, trans Union says it's my account This is way way in accurate. They should be removed.

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 2023-09-12
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX  and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I am an Ohio pandemic unemployment recipient. My funds have been frozen on my usbank reliacard since XXXX. 2 payments totalling XXXX are being held after verifying my identity several times. They have requested my State issued ID, proof of social security, tax documents, and a selfie, all of which I've sent. These are the same documents that Ohio unemployment insurance accepted to verify my identity.

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 2017-08-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am questioning if there is an error in my new escrow calculation. New escrow = $ XXXX/mo., increase of {$220.00} per month over last mortgage year. Current insurances, taxes, and PMI, plus allowed 2 month cushion = $ XXXX/mo. if calculated based upon the actual bills due ( refer to attachments provided ). Bank is saying they base tax estimate on formula using XX/XX/XXXXdata instead of actual bill for XX/XX/XXXX. Bank also did not pay insurance on time this year, causing it to lapse - this is the second time they have had a problem administering the escrow account effectively. I am wondering if they are trying to recoup a penalty or late payment by sneaking it into new calculation. I am living check to check at this time and I can not afford to put a surplus in my escrow and wait to get it back a year from now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 account has been reported inaccurately. I saw the report and the account has a lot of inaccurate information such as the payment history and the dates reported. The payment history does not report any late or charged-off remarks. This is absurd. If there is no late remarks at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: BARCLAYS BANK DELAWARE
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:
On XXXX. XXXX, 2019, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit report per 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 2020-09-04
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a US Bank ReliaCard to access my unemployment benefits from PA and US Gov't ( even though I've consistently requested a Direct Deposit with each weekly unemployment claims ). I filed my original claim on XX/XX/2020 and haven't had ability to access my funds since. The delay in receiving my card was beyond believable. 

I can not access their website, even when I use the credentials I specified. NONE of my security question answers work, and even though the card is activated, I can not access my User ID and Passcode. 

I've reached out to US Bank consistently for 2 weeks and have not been able to connect with an agent once!!! I am regularly on hold for over an hour. My last attempt resulted in waiting on hold for 1.5 hours, only to be hung up on. 

I have no way to access over {$19000.00} in unemployment funds. I can not even request a PIN on my card since they will not verify my identity. This has been This is completely unacceptable and the fact that my funds were supposed to be direct deposited into my DDA, and instead I was issued this prepaid debit card ( which requires me to pay FEES every time I want to access or transfer funds ) smells like an UDAAP issue to me.

I'm sure this issue has come up during your quarterly meetings with their Head of Retail or Head of Payments, correct? Have you been  monitoring their call volumes, AHT, and call abondment rates during COVID?

Regarding the State of PA, I have evidence of repeated demands to have my funds direct deposited to no avail.

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 2018-02-28
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This alleged debt came to my attention when I was reviewing my credit report as I rarely apply for any credit and was unaware of this negative account. I did file a dispute directly to " Pinnacle Credit Services '', as well as, XXXX XXXX whom initially created this account for someone other than myself. I have never recive any documentation or validation of the account from either Pinnacle Credit Services or XXXX XXXX. Please validated this account as follows : 1. Any and all documentation supporting these creditors claim, including, but not limited to, the contract creating the obligation and any and all statements or invoices created as a result of this account.

2. The nature, date, and amount of the alleged debt. 
3. The current balance you claim is owed.

4. The name, address, and telephone number of the original creditor and applicant that applied for this account.

This ( 1 ) account is being posted as ( 2 ) negative entires on my XXXX and XXXX account by both Pinnacle Credit Services and again by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: SYNCHRONY FINANCIAL
State: WA
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:
This credit company has filed bad payment reports that have affected my credit score significantly, never had miss a payment and the bank lowered my credit limit taking away the available balance that was already payed, they keep bumping the fees and keep charging so they make it seem like the account is past due when it's actually been paid by the due date.

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 2017-06-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Last fall my husband and I paid off our mortgage in XXXX XXXX XXXX with Nationstar Mortgage. <P/>-We never have received a release of loan. -No recording was done with our county that our loan has been paid. -We were told and was sent a document that our taxes was paid off. The taxes were never paid last XXXX. We paid our taxes with extra fees last XXXX. -Escrow statement sent to us shows money missing the bank can not tell us were it went. <P/>Our main concern is that we have them to send the county a release of mortgage to show our home is paid off. <P/>Any help will be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, 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:
The 3 major bureau 's never gave me complete disclosure of any debt verification, like actual proof or any signed agreement i ask for in my disputes with XXXX, Equifax and XXXX as they are to keep records on file to verify the debt. My dispute process was started on the on XXXX 2020 by certified mail and recieved on the XXXX of XXXX 2020 i feel that 3 major bureau 's never really verified any of these disputes ... just say that they did XXXX being the better of the 3 in notification.This complaint is my next step in the process of correcting these inaccurate items 6 in total on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
We purchased the vehicle from XXXX XXXX on XX/XX/XXXX based on the pre-qualified loan offer from XXXX XXXX. After that we received a number of denial letters from other multiple financial companies which XXXX XXXX used for the same loan on our behalf. We requested to correct this by phone and in writing ( the letter sent via certified mail attached ). As of XX/XX/XXXX no contact was made and no action was taken.

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 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
my wallet was stolen and someone used my bank of america debit card on XX/XX/2020 to withdraw {$700.00}. I called Bank of America to dispute the transaction as fraud as I didn't authorize the transaction. After repeated attempts disputing the transaction with bank, they closed my account with a negative balance without an adequate investigation. 

I filed a police report regarding manner and provided it to 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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 regards to account number XXXX from XXXX XXXX XXXX on my personal credit report. 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided. I am further requesting the name of the person providing this data, and the manner in which it was provided, in order that I may pursue additional remedies.

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 2020-11-29
Company: Sequium Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Early termination fee was paid in payments. After debt was paid off, with monthly payments in check form, XXXX XXXX sent me to collections. The debt collections has been asked multiple times to take this off my credit report, they don't acknowledge my attempts at contacting them. They say I never paid XXXX, a copy of the check is attached as well as an additional copy of a check for XXXX cents that I was later billed for. I have filed with XXXX  to have it removed from my credit file, they have also ignored me.I have repeatedly tried to call them without success. Please help. 

Sequim Asset Solution, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX! XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX financed a vehicle for me, and the vehicle broke down a few months into having it, and the cost of the repair was too expensive to pay along with paying the monthly car payment. I voluntarily gave the vehicle back to the credit union, and they sold the vehicle at auction and took me to court for the remaining balance that was owed after the auction sale. A XXXX County South Carolina judge made an order of the amount that was owed to the credit union, however the credit union is reporting that I owe them {$9200.00}, which is inaccurate. South Carolina Federal is purposely ignoring the court order, and reporting an aggressive derogatory remark in the remarks section on my credit report, and they refuse to correct the amount really owed for the vehicle. By law if information is inaccurate on a credit report, it must be removed. I have included the court order in numerous disputes which proves the inaccuracies, but the credit union continues to lie to the credit bureau and say the information is correct.

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 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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've tried to work with TransUnion to remove credit inquiries that doesn't belong to me. It has been almost one full year in labor, in getting these inquiries removed. I have a police report on file and a court order, stating I was a victim of identity theft. I just called them again today, but to no avail. They keep sending out letters to the creditors to remove them the inquiries from my credit file. It has been a complete year now, and the inquiries are still on my credit file. I would like for TransUnion to remove all those inquiries from my credit file, because they do not belong to me.

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 2020-05-19
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I would like to open a checking account with this bank but they wont let me since I live in New York but I told them I will be moving for college to XXXX this is why I wanted to open an 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