BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Complaint ID # XXXX Name reporting on credit Report : XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. This has never been provided nor was I sent a letter prior to this account being placed on my credit report. When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. XXXX can not provide any information to me, I have never been seen by a physician or doctor that they are attempting to collect on a debt from 2013. This needs to be removed from my credit file 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 2019-11-08
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
American Express are refusing to process my dispute regarding billing with XXXX XXXX. I didn't receive service due to hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am having problems with my credit score. For some reason on XX/XX/XXXX my credit score was in the 600 's,  the next day it is XXXX. I don't know what happened. I need some answers to why my credit score dropped so low.

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 2019-02-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I call specialized loan services and ask why is there a late payment showing on my credit report. i did a refinance and we was closing escrow and suddenly there was a late payment reported. lender told me not to make the payment because we are closing escrow. Now i cant refinance the rest of the property with a score damage. XX/XX/2019 in the amount of {$2400.00}.

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 2017-08-03
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender failed to comply with Regulation X, 12 C.F.R. 1024.39 ( a ) by failing to make live contact with XXXX XXXX prior to referring his loan for foreclosure. It is further alleged that the lender failed to send the Post-Foreclosure Referral Notice required by Section 12 C.F.R. 1024.39 ( b ). - There were also no  notices received by XXXX XXXX stating that the BK he filed had been dismissed and a foreclosure sale was set on the property. We have requested the rescission of this foreclosure action and the review of a loan modification to take place based on an improper Foreclosure action that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have recently had 2 refunds of payments on my credit card that i have not personally requested. I requested this to be investigated, but i need to ensure that no one has access to my data since i didn't make these requests. I believe somoene is trying to hack or take over my bank account with BOA.

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 2019-11-08
Company: Early Warning Services, LLC
State: TX
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 belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to both XXXX  and XXXX. They are stating that the original amount of the debt is {$93.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to the bureaus. The amount of this debt also continues to grow with interest being tacked on and now sits at {$200.00}. I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions 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:
I was in a forbearance plan on my mortgage with XXXX in 2020. Per the Cares Act the mortgage was not to be reported late. I have no reported lates for 2020 on XXXX or transunion. The Experian report shows no lates until XX/XX/2020. The month I paid off the mortgage. I have called XXXX and get no response after putting in a complaint. I have disputed with Experian several times and each time a new error pops up. I have been denied a mortgage due to this error. Im told my report shows my payment is $ XXXX per month. Experian refuses to fix any errors and neither does XXXX. Im being harmed financially waiting another year to buy will put homes out of reach for 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 2020-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You sent old looking random statements as proof this is my debt countless times owed to Portfolio Recovery LLC. I NEVER EVER paid anything to your company EVER and this is a COLLECTION and NEVER signed a direct contract with Portfolio Recovery. This should NOT be flagged. This is all FALSE and NO PROOF this is my debt STILL. 

Regarding {$650.00}, {$430.00} and {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: Account information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX XXXX XXXX are different, this means the account has not been properly verified. Please delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reinvestigated my credit report, I discovered that some of the accounts were erroneous. The XXXX credit bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$0.00}

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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I went to buy a car on XX/XX/XXXX at XXXX XXXX and they approved me, but they told me I had a negative account ( XXXX XXXX XXXX XXXX ). I have no idea who opened this account or what it is for. My personal information was stolen on XX/XX/XXXX and they took my birth certificate, driver 's license, and social security card amongst other personal belongings. I am assuming that's how they open this account but I'm not sure. I have an open police investigation for that incident. I need this account blocked because it doesn't belong to me and it already cost me money considering I probably got a higher rate on my interest rate for my car. And this account will continue hurting me even though I never opened this account. I never received or possed any goods, services, or money from this account. I filed a police report already and it's an open investigation, no arrest has been made yet. All my statements are true and correct to the best of my knowledge.

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 2018-03-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
To whom it may concern : I am writing this letter to dispute several inaccurate accounts reported to my credit. 
I would like assistance in investigating these items as soon as possible. 
Some accounts to my personal knowledge are paid in full or were reported to my credit under fraudulent activity. I am able to provide records and documentation to assist in repairing my credit at request. 

I appreciate your time and dedication to helping me with this matter. 
Please contact me for additional information or questions you may have. 

sincerely, 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 2018-02-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I called Citi to either cancel or product transfer my Citi Thank You Premiere credit card before the annual fee recurred in XX/XX/XXXX, due to no longer using the card. After speaking with the customer service representative, I decided to do a product transfer to the Citi Dividend Card, which does not have an annual fee. I was told that the product transfer would go into effect on XX/XX/XXXX. I asked why it took so long, and was told that was " standard procedure ''. I expressed concern that I would be charged the annual fee on the CTYP, as avoiding this fee was my primary motivation, and I would cancel the card entirely rather than product transfer if the fee were to be in effect due to the significant delay of the product transfer. I was assured by the customer service representative that no annual fee would be applied for the CTYP, and that I would receive my new Dividend card in the mail. When I asked for that in writing, he said he would make a note on my account. 


I was in fact charged the {$95.00} annual fee on XX/XX/XXXX. I did not notice this, since I had no activity on this card, until my automatic payment went through from my bank a month later. I was surprised to see a payment to this card, as I had no spend activity on this card in several months. I investigated to find this fee had been charged fraudulently, in direct contradiction to the guarantee I was made by Citi 's customer support team. I would have cancelled the card entirely had they been honest about the fee being charged. 


After an hour and five minutes on hold with their customer service, I spent 25 minutes explaining and re-explaining the situation to the customer service representative while he asked if I wanted to do other product transfers or cancel the account. I explained I wanted the planned product transfer to go through and the annual fee to be refunded. He first told me that the refund of the AF had already processed, but then when I pressed him, came back and said that it had not, just that my payment for that statement had gone through. After several more times of them avoiding the statement, he said a refund of the annual fee had been processed and I would receive an email to that effect within 24 hours. I told him I needed that confirmation in writing before the end of the call, or I would submit this complaint. Since I was charged the annual fee despite being told my a customer service representative that I would not be, I am assuming I will never get this email confirming that I will get the refund, much less get the actual refund.

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 2018-03-29
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been disputing this alleged debt on my credit report multiple times. They have not provided any proof of the debt or a copy of the contract to determine the account is mine and reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA

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 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am in a big financial situation, where I need to request a settlement from Capital One. This financial institution is now taking me to court, even though I have given notice over the past year that I was facing a serious financial hardship. I do not desire a judgment to be taken against me. I do not desire to file for bankruptcy. However, I will borrow the funds from a relative if a settlement can be accepted for {$370.00} on the referenced account. I will need this settlement as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
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:
I am filing a complaint against the 3 credit bureaus XXXX, XXXX, and TransUnion. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and XXXX more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and TransUnion removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.

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 2019-11-08
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is multiple medical debt that is not owed nor is the amount shown on y credit report. Also there is debt shown more than once with the same amount. 4 of them should have been deleted already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called XXXX service number on the back of the card on or around XX/XX/2018 and explained that I had been through a hardship and wanted to get my XXXX card back on track I told him that I couldn't make a payment until XX/XX/2018 and will pay the rest of the balance XXXX by the next due date. Thinking everything was fine until I got an alert from the credit bureau that my XXXX card was closed on XX/XX/2018 wow I thought they were working with me I guess not. I called the number on the back of the card on XX/XX/2018 to find out what happened to the agreement. The lady on the stated the call would be recorded that's fine so I told her that I would be recording the call as well and she said that it wasn't ok so we ended the call. I just wanted to record it because of the call on or around XX/XX/XXXX when i made the arrangement to make a payment by XXXX of XXXX. They obviously lied about helping me get back on track. I spoke with an attorney prior to trying to work out things with my credit cards he told me to just file bankruptcy because they are not going to work with me. He was half way right all of my credit card companies and mortgage is working with me except XXXX XXXX cards. After the phone call I get some email from a collection agency. XXXX XXXX   is not interested in helping customers when they have fallen on hard times.

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