BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-23
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to the ER in XXXX XXXX because I had the symptoms of having a XXXX XXXX. I told no less than five attendees that I drank some Turmeric Tea too fast, and that it may be XXXX XXXX. None of them wrote it down. My friend was with me and was a witness to this. I sincerely believe that since I had Insurance, they saw me as a dollar sign. They insisted keeping me overnight, and so I could avoid having to pay a {$100.00} insurance deductible. I should have not listened to them. 

My credit was wrongly attacked because one of the doctors, claimed he was called at XXXX  to assist with the doctors on staff with my case. They didn't tell him about the turmeric tea. Dr. XXXX is the source to what I believe was fraud. I have more than 40 pages of records from the hospital to prove none of them documented the turmeric tea consumption. 
They even referred me to a XXXX XXXX, and they tried to get thousands of dollars from me to investigate more. I also feel they had their ultra sound tech pretend she couldnt see part of my XXXX. I found out ALL of these doctors were on staff at the XXXX XXXX Hospital. I cant help but feel this a racket to make money off of unsuspecting people Dr. XXXX was also asked to not ever return to the hospital to where I was treated. 

I contacted my attorney to get Dr. XXXX XXXX to leave me alone. He told my attorney that I was : 1. XXXX  XXXX, which was not true. 
2. Stated that I maintained a high sodium diet. This is false because I didn't have the benefit of an 8-12 hour fast before they XXXX XXXX. 
3. Stated that I had untreated XXXX XXXX. I have been under a doctor 's care for XXXX XXXX XXXX since XXXX. I didnt have my XXXX machine with me when they admitted me into the hospital. 

This doctor violated HIPAA laws by giving this information to my attorney without my knowledge or permission. 

This fraud is still showing on my XXXX XXXX  report, and I want it gone. I also told RS Clark and Associates ( the Collection Agency ), that the claim was false and fraudulent and they refused to remove it. I am not paying them {$230.00} for their false claims. I am even considering filing a HIPAA violation against this doctor for providing my medical information to a 3rd party without my permission or knowledge. 

Here is the Collection Agency information. 

RS CLARK AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Under the FCRA Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted and updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Diversified Adjustment Service, 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: Investigation took more than 30 days

Complaint:
I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX, XXXX  and XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in America. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX   would delete a certain account on my file but transunion will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Financial Credit Network Inc
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX was sent a police report and cleared the account from my name and stated they removed all information and cease collection due to identity theft. However have sent the account to collection. This account needs to be removed immediately from XXXX XXXX XXXX and all credit reporting agencies otherwise I am seeking damages for the credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed this account on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and have not gotten a response from Equifax about this account in question. 

Chapter XXXX Bankruptcy This public record information is inaccurate and unverifiable. Reference # XXXX shows XXXX, XXXX  XXXX and Equifax shows XXXX. I have asked Equifax a numerous times to verify this information with no response but XXXX stated the information comes from XXXX. I reached out to XXXX XXXX twice and both times they response that they do not even have an account for me. I have included the letter from XXXX XXXX with this information so where are you getting this information? Please delete this information immediately from my report. 

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I disputed the following items and they have sent me information back with more inaccuracies. I don't understand what is going on they have more than 90 days to review all my accounts. 

XXXX XXXX XXXX This account is inaccurate showing the payment status of Late 120 days on a collection account with a past due balance of {$790.00} reporting late payment in the payment history XX/XX/XXXX. A collection account should not have a late payment history and should not be reporting a past due balance. Also the account history in your verification response shows {$790.00} High Credit with {$0.00} Past due from XX/XX/XXXX to XX/XX/XXXX but on XX/XX/XXXX the Past due was added of {$790.00}. Please remove this inaccurate unverified account. 


XXXX Payment history is inaccurate. You are reporting 30 days late on XX/XX/XXXX when XXXX has verified the payment history showing the payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So why do I have a 30 days late payment on my history in XX/XX/XXXX. Please update this 30 days late payment to OK since this was never late. 

these items not being properly looked into I have been more than patience and it is seriously effecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Majority USA, LLC
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I filed a dispute & they refunded my money & the same day they refunded my money they also blocked my account and the new debit card they sent me. I have called multiple times and they hang up on me & are very rude. They will not allow me to access my account to have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$7100.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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:
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax Have violated my rights Due to the fact that they have misreported multiple things on this account ( XXXX ) which include the wrong account number, and the date opened.Account was previously disputed and nothing was done according to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX XXXX and Equifax Have violated my rights due to the fact it has been already 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased a hot tub from XXXX who just happens to be Mattress-Firm. Synchrony Bank underwrites all of Mattress-Firms credit accounts. My problem is with how Synchrony Bank processes payments. My payments was made on: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Yet Synchrony bank first email me in XXXX  saying I was late on payments. I immediately called in and talked to a very nice Customer Service  rep. who explained that Synchrony Banks statement dates/Billing cycles start on the first of each month and are due on the XXXX of each month. So the payment I may on XX/XX/XXXX which I thought was for XXXX, was written as a second payment for XXXX  and the payment made on XX/XX/XXXX which I thought was for XXXX, was written as a late payment for XXXX. Notice, there technically is no XXXX payment (because I thought the XX/XX/XXXX payment was for XXXX). So synchrony back is saying that I failed to make a payment in XXXX. Not only has Synchrony bank charged me multiple late fees (which they did reverse) but they have also reported me as making late payments to the credit burroughs harming my credit rating's. As I stated before, Synchrony bank did reverse/wave the late fees I was charged. However, Synchrony bank flat refuses to admit that I have been making payments and is standing firm that I never made a XX/XX/XXXX payment. They are demanding that I make another payment to catch my account up. What is even more annoying about this, is the fact that the payments I have been making are $XXXX  more than my monthly payment.

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX, REPORT ID : XXXX TRANSUNION REPORTED FALSE INFO AS FOLLOWS : 039-SERIOUS DELINQUENCY 014-LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 005-TOO MANY ACCOUNTS WITH BALANCES 018-NUMBER OF ACCOUNTS WITH DELINQUENCY

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 2021-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
There was a hack to my checking account on Capital One Bank on the day of Monday the XXXX of XX/XX/2021. The fraudster hacked in around XXXX XXXX and had utilized the XXXX payment system tied to Capital One and sent out {$650.00} USD to the fake name XXXX XXXX. The money and my account are put on hold and pending credit, instead of immediate reimbursement for the banking customer. According to Capital One 's investigation department, they take this issue as a customer fault using it as an excuse to close your account without questions or proper investigation putting the customer second instead of first. Also, based on research other banks will refund you this money since you are utilizing their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In 2016 I had moved and was receiving bills by mail and didn't receive my bill and didn't know anything had been charged. So payment was late a few times. 

Once I realized that I moved my account online and have not had any problems since. 
I would appreciate taking the late charges off to help my credit score since it is now 3 plus years old. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Thank you for your attention to 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 explanation
Consumer complaint received 2023-08-04
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 information incorrect

Complaint:
In accordance with FCRA XXXX  accounts # XXXX # XXXX Has violated my rights along with the following companies due to inquiries ( attachments ) 15 U.S.C. 1681 section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 602 B. States a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-08
Company: EQUIFAX, INC.
State: HI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$10000.00}, {$5200.00}, {$10000.00}, {$16000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have spoken to each company and fraud department and the Police department!!! 
Yet they agree with me and state they will remove the accounts from my credit report!!!! 
Yet they return and update with the same errors and inaccuracies!!!! 
The Police Report should be more than enough for all the companies on my credit report playing these games charging off, selling private information about me over and over and over again and again Long term chaos!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-10-17
Company: EQUIFAX, INC.
State: VA
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 3 accounts that are being reported inaccurately. I reached out to the companies in writing XX/XX/2020. It is now XX/XX/2020 and they never responded in accordance to FRCA guidelines. 
1. XXXX Charge off 2. XXXX XXXX - 60 day late never been more than 3 days late 3. XXXX XXXX- 30 days late not true they fixed it but have not updated with credit bureaus

Company response to consumer: Closed with explanation