BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/22 a account in the amount of {$950.00} appeared in my credit report from a company called Account Resolution Services. I have never heard of or been contacted ( neither by phone or mail ) from this company. I called the company to inquire about the debt however the information that they provide was general and not enough to determine that this was my debt. Also I did not have any previous communication with this company prior to them putting the account on my credit report therefore I had no time to request a verification of debt prior to it hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dispute filed in XX/XX/XXXX or so As of an hour ago. About XXXX XX/XX/2019 chase reverted the chargeback claiming I made the transaction XXXX Called XXXX and they claim the item purchased was a XXXX XXXX XXXX. 

The XXXX XXXX phone is a {$890.00} before tax purchase and my purchase that I claimed was {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXXXXXX XXXX Acct # XXXX on XX/XX/23 & XX/XX/23 violated my rights according to 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose. Creditor sent a letter to rectify this.

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 2021-02-16
Company: ERC
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: Investigation took more than 30 days

Complaint:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
This account is over 7 years and can not even be verified. I have disputed with no action taken by the credit agencies. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$250.00}

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 2023-08-11
Company: Experian Information Solutions 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:
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.

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 explanation
Consumer complaint received 2023-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In accordance with the fair reporting act, this creditor has violated my rights. Under 15 U.S. C 1681 section 602 states I have rights to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My family and I have received threatening calls and messages about authorities come to arrest me at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, 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 explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Background : a verification specialist at identityguard advised me last week that for social security number XXXX XXXX XXXX ( which I have understood since XXXX to be my social security number ) the 2 main credit rating agencies -- XXXX and XXXX -- have the name XXXX XXXX as the name associated with that social security number. 
The identityguard verification specialist advised me last week that the 3rd credit rating agency, Experian, has a name OTHER THAN XXXX XXXX. XXXX associated with that social security number. 
* * * When I seek to go on experian 's website, or call its toll free number, it asks me to identify myself : I provide my social security number ( XXXX XXXX XXXX ), but when I give my name -- XXXX XXXX. XXXX -- which to the best of my knowledge and belief ( and that of XXXX and XXXX ) is associated with that social security number, the Experian system says it does not recognize me ( understandable if they have another name associated with that social security number! ), and ends my effort to communicate with them. 
Seems like the perfect 'closed loop ' to keep Experian from ever resolving this problem ( I know I could send a message to experian to a P.O. Box by 'snail mail ', but I very rarely use the U.S. mail any more : I do virtually all of my interactions using my cell 'phone and my P.C. ) : hopefully, you can use your good offices to get them to check with XXXX and XXXX, and if they have no particular reason to hold on to the different name they have associated with my social security number, hopefully they will correct their file to be in conformity with what XXXX and XXXX have! 
* * * Thanks very much for your help in this, and bringing this to Experian 's attention for their consideration. 
With appreciation, XXXX XXXX. XXXX ( d.o.b. XX/XX/XXXX ), who believes his social security number is -- in fact -- XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I called the bank, Wells Fargo in XXXX, TX, because I was told by the bank that my account had been put on hold. When I called the bank, the person I spoke with would not tell me who put a hold on my bank account or why a hold was placed on my bank account. I had my son call the bank in a 3-way phone call with the bank and we were told that Wells Fargo would not discuss anything about my account unless we provided them with a reference number. I, to my knowledge, have never received a reference number from Wells Fargo and we tried to explain that to them with no success. I live in assisted living and do not have transportation to XXXX, TX from XXXX, TX and my son lives in XXXX, AK and it would be inconvenient for him to travel to XXXX  just to try and get this problem corrected. We asked to speak to a supervisor and Wells Fargo told us we could file a complaint, but the person who would respond to the complaint would not talk to us without the reference number which we do not have. I have no way to access my funds, including my Social Security checks that are being deposited at Wells Fargo unless this can be resolved.

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 2022-09-07
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XXXX XXXX on XXXX, requested to know if the XXXX I was selling was still available. I said yes and the conversation continued throughout the day about the condition of the machine, the price, and when her sister was going to pick it up on that Monday. She then asks if she can pay me through XXXX. I had only used XXXX once before for a small payment of under {$10.00}. This was {$180.00} I was asking for. She asked for my email and number and name and then it sent me an email saying XXXX XXXX has sent you {$500.00}. She then said that I would need to submit a XXXX XXXX for {$500.00} in order to upgrade my account to a XXXX User. I then received an email from who I thought was XXXX asking me to send the money, send it to the buyer agent, screenshot the amount and send it to the XXXX  email and my account would be credited {$500.00} and the {$180.00}. Then I would have to send the woman back {$500.00}. I didnt think this was sketchy because this woman had mutual friends on XXXX with me. Which Im obviously guessing she got hacked. But needless to say Ive tried requesting the money back and havent gotten it. Truist said I may or may not get the money back. This is a shame for a bank to not have better things in place for fraud and scam acts thru XXXX. Im now out {$500.00} and NEED that money because I just bought a house and that money was supposed to go towards a mortgage.

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 2023-08-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2019-12-02
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:
I RAN MY CREDIT AND FOUND SEVERAL ACCOUNTS THAT ARE NOT MINE. i NEED THEM DELETED IMMEDIATELY.. I HAVE ATTACHED AN IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Square Inc
State: PA
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:
Contacting y'all about my unauthorized payment dispute I contact yall about on Monday I still haven't hear a update about it yet 1. What is your legal name, XXXX XXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX XXXX XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX XXXX XXXX {$32.00} 3. Why do you believe the transactions were unauthorized? This is the second time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: ID Analytics, Inc.
State: KY
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:
XXXX and its affiliates Sagestream XXXX XXXX  Have been holding and storing my personal and private information without my written consent. 

They have been communicating with XXXX XXXXXXXX XXXX In Regards to my personal information without my consent this is against the law Under USC 15

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: MO
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:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2023-10-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit card
Sub-product: Store credit 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 placed an order with XXXX XXXX using Citizen Pay store credit card on XX/XX/23 - Order Number : XXXX for a Total : {$1200.00}. It was for an XXXX XXXX XXXX and keyboard. I picked the item up and chose to return it the following day. I returned it to the store in XXXX, FL and have a return receipt showing a refund of XXXX : {$1200.00} ( XXXX cent less than the original purchase ). As of today XX/XX/23 the refund for this purchase has not posted to my Citizens Bank credit account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is a follow up to complaint # XXXX. The original complaint was due Comenity Bank closing my credit card because " security concerns ''. I provided them with all requested documents showing my identity. They replied back, stating that after reviewing the information that they had " continued security concerns '' and was permanently closing my account. No explanation why they had " security concerns ''. I have now sent them a letter requesting an itemized list of their " security concerns ''. 
It seems odd that a month after I turned XXXX, that they close my account. Age discrimination??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: NY
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:
Equifax through not protecting my private information caused the leak of my ssn, name, and DOB. I feel this company jeopardized my future and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Velocity Portfolio Group
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CKS Prime Investments ( CKS Finanancial ) continues to report that my collections account is still open even though the balance is XXXX. 

It was confirmed with an agent at CKS Prime Investments over the phone on XX/XX/XXXX, that the account has been closed since XX/XX/XXXX. I called back on XXXX XXXX and requested that I receive documentation of this so I may provide it to XXXX XXXX and XXXX. 

After approximately, one month, I still had not received the document. I requested this again on XX/XX/XXXX and XX/XX/XXXX. I was told that they resubmitted the request and it just needs to wait for approval by the team who handles requests like these. 

I don't understand why this company can't report that the account is closed since it is paid in full, but they won't even send me the document I need to handle this with the credit bureaus on my own.

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 2022-09-07
Company: EQUIFAX, INC.
State: MO
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:
I am filing this complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.

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