BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
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 disputed this collection account 3 times and ARS has refused to send me any documentation concerning this debt- I have enclosed copies of the initial dispute sent through Consumer Financial Protection Bureau XXXX XXXX dated XXXX. ARS stated they did not have any records or any files for this account. Ars stated they could not even locate the account- Please explain why this file or account was not able to be located XXXX? 

ARS stated they sent out debt collection letters XXXX, XXXX and XXXX - I am requesting copies of these letters and documents created by ARS to be uploaded with the response to this complaint and a mailed copy be sent to me for my records ARS has not provided any documents that the company XXXX XXXX XXXX gave them rights to collect this debt OR any bills or accounting showing how this debt came to be- Please upload copies of these documents through the Consumer Financial Protection bureau and mail a copy to me for my records ARS has refused to provide copies of bills, Judgement or any accounting of amount ARS claim is owed- I have never received copies of anything Ars has not provided the name and complete address to creditor- There was no address listed in prior response- The name listed on the credit report is XXXX XXXX XXXX  not XXXX XXXX This is a violation**** FDCP section 809 ( 5 ) I was not given a complete address of original creditor in my prior complaint ( CFPB # XXXX ) and FCRA I believe ARS is using Unfair Collection Practices and are in violation of FCRA section 808 ( 1 )

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 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I used a Capital One Visa card to make a prepaid hotel reservation on XXXX on XX/XX/XXXX, for a hotel stay from XX/XX/XXXX to XX/XX/XXXX. However, the website experienced a glitch and the confirmation I received was for XX/XX/XXXX to XX/XX/XXXX. I contacted XXXX, which informed me that the hotel itself ( XXXX XXXX in Washington, DC ) processed the transaction, and asked me to work with the hotel to resolve the issue. 

I contacted the hotel and asked them to correct to booking. They informed me that they were unable to change the booking because the dates I booked ( XX/XX/XXXX - XX/XX/XXXX ) are not available. I then asked them to cancel and refund the booking, They told me that the booking was made on XXXX, and instructed me to cancel the booking on XXXX so they can refund me and resell the room to another guest. I followed their instructions and cancelled the booking. Several days after the cancellation, I still had not received the refund. I contacted the hotel several times and received no reply. 

I opened a dispute with Capital One in late XX/XX/XXXX, and provided them with the above information. Capital One got back to me in early XX/XX/XXXX with a rebuttal from the hotel along with the ( incorrect, XX/XX/XXXX - XX/XX/XXXX ) booking confirmation. Capital One asked me to provide proof that I indeed booked the XX/XX/XXXX - XX/XX/XXXX dates. I provided them with a screenshot when I made the booking. However, Capital One told me that this is insufficient, and unless I can provide a booking confirmation with the correct dates, they won't continue with the dispute. I told Capital One that since the website had a glitch when I made the booking, I have never received the correct booking confirmation, which is the reason I opened the dispute in the first place. The Capital One representative then told me that " their hands are tied and won't continue to work with the dispute unless I can provide the required information. '' I believe Capital One/Visa does not have the consumer 's best interest in mind, and the documentation they require is unreasonable in this case. How would a consumer has a correct receipt when they were issued an incorrect one in the first place, resulting in the dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I did notconsent to, authorize nor benefit from any of the following inquiries block and remove them. XXXX. XXXX XXXX XX/XX/XXXX 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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted information the credit reporting agencies to have information removed from my consumer reports based on federal consumer protection violations. I have sent numerous pieces of mail regarding the removal of those accounts and to no avail, there has been little response. I am asking that you please step in to ensure there is an active hand in reviewing the accounts, read the alleged violations and to confirm if they are indeed in violation based on the information that I had sent. 

I advised the consumer reporting agency that they were in violation of my consumer protection rights as well as provided them with a printout of that violation and why I believe they violated that US Code. 

The consumer reporting agency has violated 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave the credit reporting agency permission or written consent to report anything on my consumer reports. No consent, by federal law, constitutes identity theft.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is my second complaint for Experian and XXXX. I tried to fix it within the credit bureau with no luck and no help from Experian or XXXX. XXXX XXXX DID fix it. 

As you can see by the attached report, Experian and XXXX  has me as having 3 late accounts. This has hurt my credit and shows up when it is pulled by a lender. Experian repeatedly just says a bankruptcy stays on your credit. This isn't about that, I under stand that. This is about Experian and XXXX saying that I have negative, lates from XXXX XXXX, XXXX, and XXXX. None of those accounts were late, those companies said that no late payments were every submitted. Yet, Experian and XXXX has my report showing late payments. All they did was to send out a dispute to those companies, rather than fix their internal error. They must be doing nothing more than assuming they were late, since, again those companies never reported late payments. Those were included in a chapter XXXX bankruptcy, however the loans with XXXX and XXXX XXXX were always paid, on time and outside of the bankruptcy and paid in full. I have the titles to both cars. XXXX was also included and received an agreed payment through the courts to settle the debt. No late payments were made to XXXX up to the day it went to receiving court payments. 

Finally, Experian sent me a report of their resolution, but none was made. Funny how they can say this is done, when I got a call from XXXX XXXX yesterday saying they were actually trying to help me. Also, experian included a credit report showing the accounts before and after they " updated '' them. The ONLY thing that they changed was that these 3 accounts, which were supposed to fall off my credit in XXXX, NOW fall off in XXXX. How can they extend how long these stay on the report, unless punishment for reporting their error to the CFPB. They did nothing more than make the situation worse. 


Isn't it some kind of fraud to put false information on a report? 

Attached you can clearly see where the Experian and XXXX report shows 3 false late 's.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've contacted XXXX XXXX several times regarding the late payment that's being reported on my credit report. The reporting of this account is a violation of the following : 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 5 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA 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.

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 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Fraudulent inquiries showing on my Transunion credit report. I have contact Transunion directly and informed them w/ also providing evidence and the inquiries have not been removed. XXXX  date of inquiry XX/XX/XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX XXXX/XXXX date of inquiry 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 explanation
Consumer complaint received 2020-06-02
Company: Adler Wallach & Associates, Inc.
State: CA
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:
AWA Collections Account # XXXX Balance {$66.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Date - from XXXX XXXX XXXX Stay My insurance XXXX XXXX XXXX paid the claim & I paid the {$200.00} deductible. I submitted via e-mail the paid claim to AWA Collections on XX/XX/XXXX. 
I was never notified by phone or e-mail that I was going to be taken to a collection agency prior to this claim being filed by XXXX XXXX in XXXX XXXX, CA. ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I began my job at XXXX XXXX XXXX as the Excellence in Banking Director. I left my job as Chairman, President and CEO of the XXXX XXXX XXXX XXXX, Texas region. I lived at XXXX XXXX XXXX in XXXX and had a XXXX XXXX XXXX that was installed in XXXX. XXXX XXXX XXXX my successor bought my home and we called XXXX and they agreed to transfer the billing to him as he would keep the equipment. We did exactly as instructed and he is still with XXXX today. In XX/XX/XXXX, a collection was filed in the amount of {$550.00} with the credit bureau 's by Zions Debt Holdings, who received the collection from XXXX, who received the collection from XXXX. XXXX never closed out my account even though they made the transfer to XXXX XXXX XXXX. XXXX has never missed receiving payment for their service at XXXXXXXX XXXX  since XXXX. I have spent over 3 hours only to be run in circles even though XXXX acknowledges the debt is not owed. My credit score has dropped from my perfect XXXX to around XXXX and I could let this roll off in a couple of years, but their behavior is wrong, both morally and in my opinion legally. Given this experience and their response to me trying to do the right thing, I believe you will find countless other people that XXXX is trying to fraudulently collect money from. I look forward to visiting with anyone about this manner. 
Take care. 
XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: CIBC BANCORP USA INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/18 I received an initial loan estimate and decided to lock in the rate that day and not pursue other lenders. I specifically stated that I did not wish to pay points and wanted to lock in that rate as I was already pre-approved. I had no issues with the banker I worked with during the whole process. On the day of my closing I noticed an additional charge for points and when I asked them to remove the charge I was denied. I spoke to the manager XXXX XXXX who refused to remove the charges because if he waived the fee for me, then he would have to waive the fee for everyone and he wouldn't want to lose money. He claimed to have provided a credit to offset the points, however the credit was on the initial loan estimate so that was a false statement and I couldn't do anything at that point. This type of predatory lending and his attitude was unprofessional and disappointing. I couldn't delay the closing any longer so I signed the mortgage papers. If I could go back I would pick a different lender just because of this manager. I do not recommend using his services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
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 submitted a dispute letter to you requesting that you remove the fraudulent accounts and information being reported on my Credit File. When I reviewed my Credit Report, I noticed that my credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of account and Information. I can tell that someone has stolen my identity to open these accounts. As a result, I filed a formal report to the FTC with File Number XXXX XXXX In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX TXXXXX XXXXXXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance - XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX   Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. Please send me copies of proof of verification of proof of ownership in the event that you see these items accurate. If you can not find any documents to support the claims that the disputed items belong to me, immediate removal of the disputed items will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: WI
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 XXXX has filed 3 corrections to Experian regarding my XX/XX/XXXX payment. It was erroneously reported as 30 days late. 
XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX Experian claims XXXX confirmed the report of 30 days late. XXXX claims what Experian claims is false and uses the above three AUD numbers and dates to prove they are not reporting my XX/XX/XXXX payment 30 days late.

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 2023-02-08
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:
Major Issue Reporting my information to Defense Counterintelligence and Security Agency XXXX XXXX XXXX  The Credit bureaus stated that my accounts were reported as accurate, modified, removed. Based off my Credit report from XXXX XXXX XXXX this proves to be untrue.

Clause of Article III of the Constitution : I have suffered injurious psychological damage that has come from financial hardship due to lost of employment rooting from Inaccurate reporting. Flagging my Security Clearance/ background check leading me to be terminated from multiple positions.

There are multiple Open dates, last date reported, the date last active, and the date last reported negligently inaccurate harming me as the consumer. I have already done multiple disputes, this time Im seeking Monetary relief for these mistakes costing me my job and reputation.

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 My next plan of action if All negative items arent deleted ( a ) IN GENERAL.

Any person who, while a minor, was a victim of a violation of section 1589, 1590, 1591, 2241 ( c ), 2242, 2243, 2251, 2251A, 2252, 2252A, 2260, 2421, 2422, or 2423 of this title and who suffers personal injury as a result of such violation, regardless of whether the injury occurred while such person was a minor, may sue in any appropriate United States District Court and shall recover the actual damages such person sustains or liquidated damages in the amount of {$150000.00}, and the cost of the action, including reasonable attorneys fees and other litigation costs reasonably incurred. The court may also award punitive damages and such other preliminary and equitable relief as the court determines to be appropriate.

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 2020-08-13
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never done business with this company ( Midwest Recovery Systems ). I do not have any contracts with this company. I have the right to demand to see a signed contract between myself and Midwest Recovery Systems.

Company response to consumer: Closed with explanation