BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Medical Data Systems, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Nc Last 4 of SSN:XXXX Date : XX/XX/XXXX I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. 
Validation of Debt and HIPPA. Authorization Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FIDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the prov of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing them to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute listed below. 

MEDICAL DATA SYSTEMS INC Balance : {$2000.00}. 
MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX MEDICAL DATA SYSTEMS INC Balance : {$920.00} MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Bread Financial Holdings, 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 visited XXXX XXXX store to purchase a gift for my girlfriend. Since I never received my card in the mail and didnt have any information about my account, the cashier told me to provide a form of ID and she could locate my account. I informed the cashier that I really need access to my account and a card re-mailed because I never received one. She phone customer service on my behalf and after I verified my account, I was told a new card would be mailed. I am a XXXX XXXX XXXX who works in Texas but lives in Florida. I only go home to Florida every six weeks. So, im constantly checking my mail and gathering everything to bring it back to Texas with me. However, a new XXXX card never arrived neither did a paper bill. After not hearing from them via postal mail, I finally received a call from XXXX XXXX XXXX about my unpaid bill. I explained again to the rep that a card has never arrived in the mail and I had no account information even after I had already gone inside a store and told the cashier the same information. The rep took my payment via phone and the account was brought to {$0.00}. I checked my credit report last week and noticed they reported a late payment ( 30 days late ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: UT
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 XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS.

I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S XXXX  DEPARTMENT AND SPOKE TO AT LEAST 50 CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX INC. CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
PLEASE LOOK INTO THE FOLLOWING NEGATIVE ACCOUNT : XXXX XXXX XXXX IS DISPLAYING AN UNPAID CHARGE OFF AMOUNT OF XXXX AND DOES NOT SEEM TO COME OFF OF MY CREDIT REPORTS. THIS WOULD BE MY SECOND TIME AROUND DISPUTING THIS. AND IT IS UNFAIR. PLEASE REMOVE THE ACCOUNT BECAUSE IT IS RUINING MY CREDIT 'S REPUTATION.

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 2021-11-01
Company: EQUIFAX, INC.
State: MD
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2017-09-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I filed a complaint that coinbase responded to but they brought up a completely different transaction than the one i was talking about. On XX/XX/XXXX i purchased bitcoin instead of coinbase crediting my acount with XXXX ... .... they deducted it and i was charged on my credit card XXXX dollars. Coinbase eventually took responsibility for their mistake after days of trying to speak to someone. they credited me back a XXXX ... XXXX when i should have been credited back XXXX ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Kelsting Group, Inc.
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:
I have a medical charge from a Doctor ( XXXX XXXX ) in XXXX that billed me for services over 6 months after the date of service due to a negligent accounting error on his part ( date of service was XX/XX/XXXX bill received in XX/XX/XXXX ). I had relocated jobs at the time I received the bill from this doctor and my previous job 's employee insurance wouldn't cover this charge because the bill was sent over 6 months after the date of service. I tried to resolve this issue directly with the Doctor after I had moved to XXXX XXXX, This doctor then sent the bill to collections ( XXXX XXXX XXXX ) and I didn't receive notice of this in XXXX XXXX until the fall of XXXX. After disputing these charges I still paid the entire balance of {$1300.00} just to get this bill out of collections in XX/XX/XXXX. XXXX XXXX XXXX is still reporting to the credit bureaus that I have an outstanding balance of {$150.00}. I have not heard anything from this collection company since XX/XX/XXXX and want to know why they are still reporting a negative account on my credit. Also I believe the company submitting charges to me that I consider fraudulent on the part of the negligence of this Doctor 's accounting errors in the beginning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: First Associates Loan Servicing LLC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am having a difficult time getting my private loans from Activate Financial discharged. Also, the money that was paid on the account balance originally, must be reimbursed. However, the original creditor, ( XXXX XXXX, XXXX. ), is no longer the current creditor as it is now, Peaks Trust XXXX. I do not have any of my previous receipts to prove my claim, however, I am sure that I have paid close to {$2000.00} on my original account balance. Originally, my account balance exceeded {$8000.00} and now it is just above {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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 received my investigation back from Transunion, which states you completed a fair investigation and these accounts are 100 % accurate. 

Can you please answer this one question? How did you investigate these accounts?

Because according to the Fair Credit Reporting Act 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT.

Did you interview my neighbors? Did you interview my family and friends?

Who did you speak with ( Names, dates of contact ( s ) ) One more thing can you please tell me how everything is 100 % accurate if the date open, date last active and date last reported on these accounts are not reporting the same information, also Transunion DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate. 

Transunion has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : Account Name : XXXX Bank Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Bank of XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Funding Account Number : XXXX Delete these accounts immediately or you will be held responsible for {$1000.00} per violation. 

Send me an updated credit report with these accounts permanently deleted.

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 2022-10-07
Company: Experian Information Solutions 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:
This account is fraudulent and was open without my permission. Someone used my social security, and ID. My purse was stolen while I was in the XXXX This is identity thief.

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 2017-12-11
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
PNC Bank is charging to cash their own checks. This has been one of their fraudulent activities since ages. It is preposterous for bank to charge to cash their own check and this service of draining money from the average consumer should stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX Account XXXX On my experian credit report they keep reporting it every single month as a " charge off '' this account was charged off XX/XX/2019 it should not still be reporting monthly on my credit report at all. 

This also is not my account and i sent in a screenshot of the CHAPTER XXXX discharge for this item and yet experian still has not taken this item off of my credit. It also shows i have a past due balance and again I feel like it should be pretty obvious that my credit report is very good so why would i let 1 ACCOUNT ruin my whole report? i mean really. THIS IS NOT MY ACCOUNT - CHAPTER XXXX IS SUPPOSED TO GET RID OF THESE ACCOUNTS THERE IS NO REASON they should be reporting CHARGE OFF every month the account is CLOSED and it was not mine to begin with it was my husbands so why are you trying to make a single mom suffer for something not hers?

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 2020-07-17
Company: Knight Adjustment Bureau
State: UT
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:
XXXX XXXX XXXX and Knight Adjustment Bureau XXXX are reporting for the same debt on my credit report. Per the FCRA in my investigation two different companies can not report the same debt on my credit report. This is a violation and this debt has been paid, it needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: SUNTRUST BANKS, INC.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX Audit Charge-off ( uncollectible debt ) with Virginia Department Housing Authority in the amount of {$1.00} XXXX dollars for property address XXXX XXXX XXXX, XXXX, VA XXXX with an appraisal value of {$110000.00}. Please reference IRS Valuation Form 843 for debt in the amount of {$64000.00} ( XX/XX/XXXX to XX/XX/XXXX ) dated XX/XX/XXXX. No escrow is due to debtor XXXX XXXX XXXX. Unpaid property taxes since XX/XX/XXXX per IRS tax lien document received on XX/XX/XXXX with an expiration date of XX/XX/XXXX due to property abandonment. Charge-off ( uncollectible debt ) with sold boutique at XXXX XXXX XXXX in the amount of {$400000.00} on behalf of Suntrust, XXXX XXXX XXXX, the OCC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus stated my was properly investigation but how is that possible if the open date is inaccurate t, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 stated a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation

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 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union ( NFCU ) has had at least two dates in the recent past where direct deposits have not been properly posted, leaving members with little to no funds on dates that should have had a deposit. The dates that I know of are XX/XX/XXXX and XX/XX/XXXX. The credit union fails to issue any type of warning such as an email, message on their website, or banner in their app until many hours after customers have noticed the missed deposits, causing significant stress to members. NFCU 's phones always go down because of the issues, so members are left without funds and unaware of the problem until the credit union issues a notification hours later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Radius Global Solutions LLC
State: PA
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:
Radius Global Solutions is refusing to remove a delinquency from my account even thought the balance was paid directly to whom it was owed months ago. I have completed two disputes but they refuse to admit that the balance is paid. I have contacted the original company to whom the debt was owed and they say that they have informed Radius that the balance was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I filed a fraud claim with Suntrust Sunday on XX/XX/XXXX for a XXXX transfer I had initiated using the Suntrust app but suspected was fraudulent. Since the amount of the transfer was above the daily limit, the app gave a message that it would not be processed immediately. The recipient also informed me that they had not received the money, so I called Suntrust and asked them to put a stop on the payment which is how the claim was opened. 

On XX/XX/XXXX Suntrust issued a temporary credit for {$1500.00} to my account. 

On XX/XX/XXXX I received the email from Suntrust copied below stating that the transfer had not reached the destination and that the XXXX service had been cancelled on my account. 

On XX/XX/XXXX I received a call from Ms. XXXX XXXX from the Fraud department. I forwarded her the email I received on XX/XX/XXXX to her after answering a few questions about the claim. On XX/XX/XXXX I received an email saying that the claim was being denied and the {$1500.00} was going to be taken from my account on XX/XX/XXXX. 

Today I have spent 3 hours on the phone with both the Customer Service and Fraud department ( note that XXXX XXXX has not returned my calls ) trying to figure out where the money from the XXXX transaction that, per their email to me did not reach its destination is, was and when it would be returned to me. Not a single person could tell me where the money is. The only answer I got was that the claim had been denied. 

Email : SunTrust Bank XXXX logo Dear XXXX, We couldn't complete your payment to Key Key ( XXXX ). This money won't reach its destination. 

As a security precaution, we have suspended your XXXX account. This means you can't send or receive money with XXXX. Contact us at XXXX or XXXX to resolve the problem. 

Payment Details Confirmation Number : XXXX Amount {$1500.00} From SunTrust Bank, Checking, XXXX  To Key Key ( XXXX ) We apologize for any inconvenience this may have caused you. 

Sincerely, Customer Service This email was sent to 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