BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: TX
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 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CCS Financial Services, 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: Account status incorrect

Complaint:
CCS reported that the account was closed. I was told to pay a settlement amount and the account would be deleted. I have submitted several disputes and nothing is taking place. The XXXX debt should be listed as deleted instead of closed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: CO
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:
Equifax dispute site is not properly working to dispute medical  workers compensation items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by I.C. Systems, Inc., a debt collections company, on XX/XX/2022 via mail regarding an alleged debt. I have reason to believe I do not owe this debt because it the result of an unauthorized balanced billing, pursuant to Florida Law Section 559.72 ( 9 ). I contest that this debt is legally without merit and name XXXX XXXX XXXX XXXX and I.C. Systems, Inc. in this complaint. 

XXXX XXXX XXXX XXXX has fraudulently reported the provider non billable amount to this collections agency, disregarding the negotiated fees between the Preferred Provider and the PPO. According to documentation provided by XXXX XXXX XXXX XXXX, who was in network with XXXX XXXX XXXX XXXX during the date of service and used their pay schedule, the patient responsibility for services rendered is {$2600.00} and the provider non billable amount is {$1000.00}. The patient has already satisfied their patient responsibility of {$2600.00}, having paid a total of {$2700.00} to XXXX XXXX XXXX XXXX, as reflected in their previous contractual payment plan. Please reference the supporting documentation that reflects the information stated above. As a result, XXXX XXXX XXXX XXXX has fraudulently reported this debt and I.C. Systems, Inc. is attempting to collect a debt that is not my responsibility. 

I have attempted multiple times to resolve this with the provider, however they are falsely claiming they are out of network with my insurance agency and have threatened to send the 'unpaid balance ' to collections multiple times. XXXX XXXX XXXX has denied these claims as they did not receive sufficient information from the provider. Both the provider and myself have sent multiple appeals to XXXX XXXX XXXX, however, XXXX XXXX has informed the provider multiple times that they need new and additional information in order to process the claim. The provider failed to provide new information and I had to submit two separate claims to the XXXX XXXX on behalf of the provider. Ultimately, the insurance company did not process the claim and the provider sent the non-billable amount to debt collections. 

I fear that XXXX XXXX XXXX XXXX is taking advantage of patients and not acting in good faith when attempting to bill insurance and process claims in a timely fashion and I.C. Systems, Inc. is complacent. Instead, they are using balance billing and the threat of debt collections agencies to intimidate patients into paying what insurance does not. This is a scare tactic that is unethical and should be looked into further as it is a fraudulent procedure. 

Please see supporting documentation attached

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 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,   XX/XX/XXXX    , I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to TransUnion disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. TransUnion wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for TransUnion to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was TransUnion able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, TransUnion also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of TransUnion 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  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 2018-01-02
Company: Early Warning Services, LLC
State: OR
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:
On or about XXXX/XXXX/2016 XXXX XXXX XXXX incorrectly reported me to Early Warning Systems that XXXX closed my checking account for cause. This is wrong. I closed the account due to lost checks. XXXX did not suffer any monetary losses. I demand that this be removed from my Early Warning report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: DE
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:
There are many mistakes appear in my report without my understanding.

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 2022-04-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I reported fraudulent charges on my Citi XXXX on about XX/XX/17 while I was on vacation. These were addressed by the company, card disabled and a new card ordered and to be mailed to my home. Before the card had even been received, more fraud charges had been made with THE NEW CARD.I had not yet activated the card! I called, and of course spent HOURS gettting jerked around until I finally got a representative very fluent in XXXX in the " Fraud Dept. '' He could not understand how these latest charges occurred. Said maybe someone cloned my mobile phone and digital wallet -- I do not have a digital wallet. Anyway he passes me to someone else to rsolve things, who I had difficulty understanding, beause A she is working at home half way around the world and B her XXXX was heavily accented and her second language. Ridiculous. Dystopian. Well, she decides I need ANOTHER replacement card. Finally I told her I had had enough. COSE MY ACCOUNT. I am no expert, but please explain to me how this is NOT an internal security and privacy breech by Citi. At the very least, this needs to be mabe public and I would like a small compensation for the 4 hrs of time dealing with this mattter. Thank you. 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 monetary relief
Consumer complaint received 2021-06-11
Company: I.C. System, Inc.
State: OH
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2020-10-08
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: Investigation took more than 30 days

Complaint:
Since XXXX without much help at all and multiple letters sent to XXXX, XXXX  and Experian requesting that false and inaccurate information be removed from my credit bureau reports. I have not received any success. Ive even told them that addresses and names on the credit file are incorrect and they refused to respond and correct it. On XX/XX/XXXX after many letters sent requesting that XXXX XXXX and XXXX XXXX XXXX XXXX be removed from my credit report as this alleged debt is false and inaccurate, it was removed. Only to be put right back on the credit bureau today XX/XX/XXXX. This has been a constant back and forth game with willful violation of the FCRA by these three credit bureau reporting agencies the item is removed, then put back on with out any notice at all to me by XXXX, XXXX and Experian. It was removed again back on XX/XX/XXXX, this is a violation of the law. Then put back on. It was removed again on XX/XX/XXXX and put back on again. It was removed again on XX/XX/XXXX and put back on again. These are the games violations of the FCRA that XXXX, XXXX  and Experian as they are in engaged in defamation of character and fraud. By the way I have provided all three credit bureau reporting agencies with copies of letters sent certified mail and registered mail to these credit bureaus requesting proof of these alleged debts and not on of them have provided proof, since they cant provided proof of accuracy to me I asked all three credit reporting agencies to provided me with the proof that these collection agencies provided to the, and not one credit bureau reporting agency has provided that XXXX me since XXXX. They should be shut down permanently for their willful violations of the 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 2021-04-13
Company: AmWest Funding Corp.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my loan for XXXX  home and new mortgage company and previous mortgage companies were the same ( AMWest ). But they show discrepancy of when previous company wired the funds to title company and when title company wired the funds to new mortgage company ( which in this case is the same company!! ) by one week. 

So I lost interest of 5 Days XXXX XXXX $ XXXX even though title company claims they wired the funds for new loan on Monday ( XX/XX/2021 ) the mortgage company says nope they received it on Friday ( XX/XX/2021 )!!! Please note that the previous mortgage company was also AMWest and new mortgage company is also AMWest and title company says they never held the funds with them for more than few hours and immediately wired the funds to AMwest once they received it from previous mortgage company XXXX which in this case was also AMWest only )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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:
FTC violation inaccurate information showing on credit. Violation 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 2020-12-23
Company: Experian Information Solutions Inc.
State: AL
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 found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2019-01-28
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: Account information incorrect

Complaint:
I have a 30 day late payment on XX/XX/2018 in my credit file The information is incorrect.

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 2019-01-28
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: Account information incorrect

Complaint:
I have a 30 day late payment on XX/XX/2018 in my credit file The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I purchased some bitcoin on XXXX ( What a great day to be scammed ) and the transaction fee said {$1.00} - Okay, no problem. 
Put through an order with a merchant and they told me they were only paid XXXX dollars out of XXXX -- Turns out, they charged me an astronomical XXXX out of XXXX dollars as a transaction fee! I would have NEVER put this transaction through if I was made aware of this charge! WHO WOULD?! 
It 's robbery and this company is a huge scam! 

I called, after an hour on hold, they said to email them and they ca n't help over the phone ( what?! ) .. Go to their site, and their email link does not work and they would not provide me with a working email address over the phone. I finally found an email address on XXXX, emailed them, got an autoresponse that they wo n't do anything a few hours later. 

I 'm in the process of completing a charge back with XXXX XXXX at the moment ( if that even happens! )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 166XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me XXXX  days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: COLLECTRON, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2016 I saw a Dr. at XXXX XXXX XXXX in XXXX, Ga. for a routine visit. Upon his questioning about my sleeping he suggested I take a " sleep test '' I was sent home with a mask and some vague instructions how to use it. I was to sleep with this on for 2 nights and return it for a diagnosis. After attempting to use it for a few hours the first night and not getting any sleep at all I notified the Dr. the next day. I was informed not to " worry about it '' and just return it, which I did that week. Soon after, I received a bill for over {$600.00} for " services '' I complained to management at the medical group several times to no avail, they continued to charge me and I continue not to pay for services I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ok on XX/XX/XXXX a deposit which showed pending for XXXX. It stayed pending for 3 days. In between those 3 days I have made withdraws with still clearing good staying under XXXX but I also admit after the fact made 5 more knowingly withdraws that caused overdraft of {$430.00} ( not including fees ). Monday rolls around and the bank is charging me 13 overdraft fees at {$35.00} each, on top of that I received an email from the bank of XX/XX/XXXX stating " we had a power outage which caused pending transactions to take longer than usual if you incured any fees because of this contact the bank immediately to reverse fees '' I call them and tell then my situation and the fact I made 5 withdraws knowingly I would overdraft but I will not pay for 13. They refuse to do so and yell at me on the phone with no resolution, I stay patient they would hang up the phone on my face and I would call back they would answer put me on hold for half hour only to comeback yell at me again and hang up the phone. I had to call them 5 times and they refuse to understand what I was trying to explain. It even shows on my statement as if that pending deposit was put in on the XXXX and all 7 withdraws I made with that money still kept my money in a positive balance. So they had issue with pending deposit yet refuse to admit it. I even got a call from a supervisor within the same day name XXXX who said I didn't know what I was talking about and when it was my turn to respond to her words she hangs up the phone. I have recording of all the conversations except the first 2 calls I made as well.

Company response to consumer: Closed with explanation