BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this company Americollet is in violation of my hipaa Rights and all of these accounts held in data needs to be deleted immediately or else law suit will be processed. Unauthorized accessing of PHI is illegal an should be punished to the highest extent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: EQUIFAX, INC.
State: VT
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 initially had to file a complaint because I couldnt access only my Equifax report for a few months. Finally after filing my complaint here and after some time I have been able to access the Equifax report along with the other 2 bureaus. But now Equifax is displaying very inaccurate information which could affect my approval for a home that I am getting ready to do next month. There is a XXXX XXXX account # XXXX purchased in XXXX, that should no longer exist on there and now they have it showing as 90 days late in XX/XX/XXXX which is completely unacceptable.This loan had it first date of delinquency in XX/XX/XXXX and subsequent issues and was paid off in full XX/XX/XXXX. It has been well over 8 yrs since purchased and over 7 since first date of delinquency. It should be off my credit report. Whats worse is they have a paid, old account shown 90 days late in XX/XX/XXXX which could very well affect my home loan approval. Im not sure if this was done on purpose because of my first complaint due to their lack of getting me access to my reports. I tried to dispute this online but I cant even do that. It says dispute still under investigation which should not be true. All disputes have been completed. Yet I went to where the XXXX account was listed to complain about this issue and couldnt. Please fix this. Equifax is the only bureau Ive ever had trouble with. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Vt XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Hospital Services, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I did a check of credit report and found error from Hospital Services Inc ( HSI ) with a negative remark on credit in which I have not ever contracted with Hospital Services Inc on XX/XX/XXXX without this consumers knowledge of debt to HSI. On XX/XX/XXXX, I wrote HSI to dispute the issue. In the letter I asked for their North Dakota state license number as a registered collection agency, I asked for debt validation through a full audit of all transactions into and out of the agency via XXXX XXXX XXXX XXXX D.B.A.XXXX XXXX in XXXX, ND in which original debt was held and written off not a statement of account, I asked for a signed contract that I had with the agency with my wet signature on said contract, I asked for purchase date of debt to the debt collection agency, and I challenged the statute of limitations. 

I received written communication from HSI on XX/XX/XXXX stating that an itemized statement which contained personal medical procedure information to include lab tests and care received that was given to the collection agency by XXXX XXXX XXXX XXXX D.B.A. XXXX XXXX in violation of the Person Health Information Privacy code of HIIPA through the OCR Civil Rights to privacy in medical information. I did not ever sign any document to giving XXXX XXXX XXXX XXXX   D.B.A.XXXX XXXX  permission to divulge any medical information to any third party agencies. 

HSI specifically states on their website and letterhead that they are " A Debt Collection Agency ''. To collect debt in North Dakota, an agency must be licensed. There is no record with the Secretary of State of North Dakota that HSI is a licensed agency. HSI did not provide in their communication their North Dakota State collection agency license number. Hospital Services, Inc stated in the bottom of the letter that this communication is from a debt collector and stated that this debt had not been purchased. The itemized statement from XXXX XXXX XXXX XXXX  D.B.A XXXX XXXX shows that the amount was written off. HSI falsified information in the written communication. HSI states on their website that they communicate with the " debtor '' that they will post negative remarks on the debtors credit report as a means to get payment for purchased debt from hospitals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was a victim of identity theft last XX/XX/2019. Since then someone used my info on my computer to acquire a loan on my vehicle that i purchased several years ago via cash. i still have the title. XX/XX/XXXX is not recognizing the it and is going to sell my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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 have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2018-05-13
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: Information belongs to someone else

Complaint:
All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EQ : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Experian Information Solutions Inc.
State: PA
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 have contacted experian multiple times and no proof of method of investigation. XXXX and XXXX  deleted the XXXX XXXX because they found they information was wrong and 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 2020-07-03
Company: Experian Information Solutions 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 sent out a 609 letter XX/XX/2020 for all incorrect, inaccuracarcy, and for accounts that aren't mine and its been well over 30 days with no response from all 3 credit berueas.

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 2019-09-24
Company: EQUIFAX, INC.
State: IL
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 checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX x2 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: LEXISNEXIS
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:
There is an item on my ( XXXX XXXX ) and my wife 's ( XXXX XXXX ) clue report. This item occurs XX/XX/XXXX : Two seperate accidents reported on both reports itemPer Law,  Lexis Nexus had thirty days to respond to my initial dispute that occurred on XXXX ( case XXXX ) and failed to comply. I called to initiate the dispute XXXX. I then called seeking resolution on Monday XXXX XXXX. I was notified the dispute was open and I could call on Friday as Lexis Nexis had until Thursday to respond. I called back on Friday XXXX XXXX and was told the dispute was closed but there had been no resolution letter or response generated. They would have an individual call me once they figured out what occured and provide resolution. I did n't recieve a call back. On Monday XXXX XXXX I called again and spoke with XXXX who again told me there was no resolution letter generated and confirmed the 30 days had passed. I requested all of my data in question to be deleted per law. She stated she would call me back. After recieving a missed call about two hours later, I called back and spoke with XXXX on XXXX XXXX and was told a resolution letter was now generated and it was read to me. He stated it would be mailed and emailed out to me. As of XXXX XXXX I have not received anything from Lexis Nexis. Per law the items in question must be removed from my clue report as it took longer then what than the allowed time to respond. I have recordings of conversations and documents that substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Officer, I'm writing to report problem experienced with XXXX XXXX, which led to incorrect reporting of late payments. 

I'm a customer of XXXX XXXX  since XX/XX/XXXX, everything was fine until recent years, when they keep changing their credit card program ( from XXXX XXXX to XXXX XXXX in XX/XX/XXXX, and from XXXX  to XXXX XXXX  in XX/XX/XXXX ), which creates great confusion for customers. 

In XX/XX/XXXX, I thought the program is ending, so I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. 

There were no alerts sent to me regarding the charges. When I found out two months later myself, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points. 

I called and wrote to the dispute department several times, however they remain unresponsive. Therefore I'm writing to CFPB to have the issue resolved. 

Last but not least, it appears that XXXX XXXX increased the reward points redemption threshold from around 1,000 to 25,00, which forces customers to use the card even though the features of the card is no longer competitive. I found that exceptionally unfair to the customers, and I saw no other company implementing the same rule. 

Please advise, really appreciate your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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 reported bankruptcies on my credit report. I requested the description of the procedure used to determine the accuracy and completeness of the information within 15 days. Also, I requested the name, address, and telephone number of each person contacted regarding these accounts. I formally requested any documentation bearing my signature. Any automated response or XXXX  verification is unacceptable. I received a response stating bankruptcies were verified but no documentation.

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 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have several medical collections due to my sons XXXX presently and before during the time of his birth. There are only a few that are not connected to my XXXX year old son. My question is this : When a person has medical collections, is it proper to have them placed negatively on your credit bureau account? Ive been told by several people that my medical that should not be placed on my personal credit account. I will be making more attempts now to pay off my medical collections, but at the same time I dont feel it should damage my credit score. Can you clarify that for me please? Thank you very much.

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 2019-05-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
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:
I received a fraudulent charge on my HSBC credit card in XX/XX/XXXX. I  signed an affidavit saying that the charge was fraudulent. 3 months later I get a letter saying the claim was denied. Although the whole time theyve been racking up the fees and decreasing my credit score. The original charge was for {$79.00}, my bill including late fee is now about double that and my credit score has decreased over 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: IL
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 checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX x2 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2020-05-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I deposited three checks at a Wells Fargo atm On XXXX and XXXX  in XXXX XXXX Florida on XX/XX/XXXX 1 check in the amount of {$300.00} and the other two in the amount of {$150.00} each the atm machine did not deposit the checks or return them to me. I went into the branch made a claim after a couple days I called the banker that I made the claim with and she was able to give me a temporary credit until they could locate the checks and sort out the confusion. Fast forward to XX/XX/XXXX and they took the {$600.00} back and said that the claim specialist rejected the claim after two months!!!!! Two months?!?! During an epidemic where people cant work and are struggling to pay bills they decide to reject my claim?!?! They can offer me no information over the phone they can provide me with nobody that knows anything about whats going on and they cant return the checks.

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 2020-05-02
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
I have called several times asking Midland funding to remove the dispute, I have sent several letters asking them to remove the dispute and they refuse. It gets taken off for 24 hours then they put it right back on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA Federal Savings Bank put a freeze on my checking account without any notification. I discovered this Friday XX/XX/XXXX when I was trying to use an ATM before an salon appointment where I needed the cash. 

They disable their mobile app on my phone. The rerouted my calls to them to an automated message telling me to call back on Monday. I called them with my boyfriend 's phone and low and behold I got to take to a human who was incredibly rude and would not tell me what was going on. 

I've had to cancel all plans that required cash, so no farmers market this weekend. I have a rent check out that hasn't been cashed yet that I'm worried will bounce. 

There is absolutely no unusual transactions in my account. Just the same deposits and checks that I have done monthly for years now. It takes two paycheck cycles to change my direct deposit. 

This is abusive and distressing and a huge waste of my time. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation