BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today, I received this response from the company : " STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response We dont up hold divorce decrees, no insurance information has been provided to my client. We have sent verification of debt as requested. Consumer called XXXX XXXX and was to call back and give the insurance info and as of today they have yet to get insurance information ''. 

Not only was my son 's insurance information provided to them but when I called XXXX XXXX, they were rude and told me that they could no longer charge TRICARE because they were no longer within the time that they had where they could charge TRICARE for the bill and were NOT interested in my son 's insurance information and did NOT ask me for my son 's insurance information so there is no way that I would have promised them that information because if they actually had asked for that information I would have willingly given it to them AGAIN because that is far better than having to write a complaint against them or having my credit report reflecting around a {$1500.00} debt that I do not owe to them. XXXX XXXX also insisted that their personnel are basically NOT required to take insurance information and that it was the responsibility of the patient to provide the information to the company. I asked if that was their policy and if they could send that to me in writing and they refused to send me anything in writing that stated it was not the responsibility of their personnel to not obtain a patient 's insurance information- of which I believed was absolutely ridiculous. The company insists that I did not give them my son 's insurance information but has yet to explain how they have mine and my son 's personal information. It's not like I would just give them my personal information and that of my son and not give them my son 's insurance information anymore than I would refuse to give them my son 's insurance information to ensure that a debt is removed from my credit report and responsibility which would have been far easier then filing a complaint with the CFPB with the disputed bill still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: FL
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 Collection Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Various Inaccurate dates and information concerning ownership and balances exist on each one ) All Listed accounts have 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.

15 U.S.C. 1681 c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2021-09-21
Company: OneMain Finance Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called today ( XX/XX/XXXX ) to request a pay off amount for Thurs ( XX/XX/XXXX ). My balance is about {$6000.00}, and was told my payoff amount would be {$6600.00}. This seemed like a really high amount, but one main financial said it was due to interest on the loan for the whole month. I asked for clarification as to why it was so high, as almost {$600.00} seems like a lot for two days worth of interest. I was given the Run around trying to speak.to a member of management, only to be told it's due to a returned payment back in XXXX of XXXX. Not only was I not informed of the returned payment, thus unable to rectify the situation in a timely manner, but I was completely unaware that it would cause my payoff amount to increase by almost {$600.00}. Additionally I had reached out to OMF for other reasons since, which would have been a fine time to bring it up. So I'm left here confused and feeling totally ripped off and blind sided by this extra expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Attached to this complaint is a letter from XXXX XXXX and XXXX XXXX XXXX XXXX for Trans Union XXXX XXXX XXXX The XXXX XXXX is showing an account balance of {$41.00} and the XXXX SXXXX XXXX  XXXX account is showing an account balance of {$390.00}. XXXX XXXX account is suppose to have a current balance of {$0.00} and XXXX XXXX has requested for Trans Union to delete the trade line from my Trans Union credit report XXXX The XXXX XXXXXXXX XXXX XXXXXXXX account is suppose to have a current balance of {$0.00}. Blaze has also requested for Trans Union to delete the trade line from my credit report, but the accounts is still currently listed and showing on my Trans Union credit report. The following accounts on my Trans Union credit report was reported lost/stolen : XXXX  XXXX Bank XXXX {$1100.00} and XXXX XXXX XXXX XXXX {$760.00}. My XXXX XXXX Bank and XXXX XXXX XXXXXXXX XXXX XXXX was reported as lost/stolen and the balance on the accounts is all fraudulent charges/transactions. The debt collection account from XXXX XXXX  XXXX XXXX {$360.00} is not my debt collection account. The debt collection account doesnt belong to me. The following hard inquiries currently listed on my Trans Union credit report are unauthorized and fraudulent hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion is still furnishing information of an account that is falsely reporting to my credit file. Transunion is not following consumer laws. The account is in violation of 15 USC 1681s-2. This account is not showing any information regarding balance, and payment history, so I don't understand how Transunion is vaildating any information on this account. According to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), this account needs to be removed from credit file. I have submitted a report through the FTC, Attorney 's General, and XXXX. I have attached a consumer fraud report and a copy of my credit report from Transunion of the account that is showing no information. The following account needs to be removed immediately, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-03-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This should not be on my report. It is a child support case that is over 20 years ago. I believed that the statue of limitations ran out. I am basing that on the FTC regulations. I have disputed this with the 3 major bureaus. However, it is only reporting on Experian. The account # XXXX XXXX, from the Illinois XXXX. I need this to be removed immediately. It is damaging the character of my credit report. It hard to get credit based on something that does not reflect my credit worthiness. This situation is not accurate and therefore should be dismissed based on the facts.

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 2018-03-15
Company: HUNTINGTON NATIONAL BANK, THE
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: Account information incorrect

Complaint:
My name is XXXX XXXX and my account number was XXXXxxxx I have disputed inaccurate reporting from Huntington Bank 3 Times. Each of my credit Bureaus have different payment history which changes each time its diaputed. There are current payments followed by 120 days late which makes no sense. I lost a job of 8 years and it appears the only thing they want to do is negatively impact my credit with inaccurate negative reporting. Each bureau report is different even though theyve been disputed 3 times to be updated. As an example on report shows the ending of XX/XX/XXXX 30 days late. The other two show XX/XX/XXXX 90 days late after being 120 days late and paid in full the month prior. Please update my payment history correctly. You cant be 60 days late in XX/XX/XXXX but paid in full the month before. 

The most recent disputes I have sent were in XX/XX/XXXX, XX/XX/XXXX and XXXX. 

I have attached images of my report I can also locate the confirmation receipts from mailing them certified. 

Please correct my payment history or delet the account from the 3 Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I purchased a house on XX/XX/17 that had existing XXXX service and had constant issues with the service with phone lines and televisions being down. They changed the status of our plan multiple times from being out of contract to being in without my authorization. There service reps missed multiple appointments to repair issues. We had to cancel service eventually and disputed the charges they said we had. They still went and reported it to the credit agencies as a derogatory in collection.

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 2022-10-06
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. I talked to the furnisher and they agreed to remove the fraudulent account but Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. I need this account deleted from my file ASAP : 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 non-monetary relief
Consumer complaint received 2017-11-17
Company: United Collection Bureau, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a phone call at my place of employment for a debt that was not mine. I am a XXXX XXXX and the phone call was recorded. Due to the nature of my job I am not to have poor credit. Now it appears to my employer that I do. The caller stated the person with the debt had a date of birth as XX/XX/XXXX. This is clearly not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15 usc 1692 please provide me with proof that this debt is mine. Please keep in mind this is not a dispute I am just requesting validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Convergent Resources, Inc.
State: WI
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 contacted XXXX regarding a collections account that has yet to be removed from my credit file. XXXX informed me that they would do an investigation and I submitted documents supporting my stance on the matter. XXXX failed to notify me the status of said investigation, in addition they did not remove the negative information provided by the company reporting to them. The company name is XXXX XXXX XXXX and they have failed to provide proof with my signature on any consumer contracts yet they continue to report negative information on my behalf.

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 2021-09-21
Company: ERC
State: AL
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:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I am a victim of identity theft an I have submitted documents several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries was supposed to been removed and is still showing. This is on my Experian report which I pay monthly for. 


XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX date XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XX/XX/XXXX-Inquiry date XX/XX/XXXX-Removal date Bank Credit Cards XX/XX/XXXX, XXXX XX/XX/XXXX BYMAILONLY

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 2018-03-15
Company: EQUIFAX, INC.
State: WI
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 have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XXXX this debt was accrued in XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ; 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I paid a mortgage in full held by Wells Fargo. At the time of payment in full, there was an overage in my escrow account linked to the mortgage, in the amount of approximately {$4100.00}. At the time of payment in full, Wells Fargo did not inform me of the overage nor tried to return the money to me. 
On XX/XX/XXXX, two months after the mortgage was paid in full, Wells Fargo emailed me saying a check for the overage had been mailed to me on XX/XX/XXXX. See attached email. I never received that check. 
On or around XX/XX/XXXX, I called Wells Fargo to inform them I never received the XX/XX/XXXX check. Wells Fargo said it would reissue and mail me a new check ; that I should receive it within 2 weeks. I never did. 
On or about XX/XX/XXXX, I called Wells Fargo to tell them I never received the check. I asked for the money to be sent to me using alternative means ( wire, XXXX, pick up at bank branch, etc ), and Wells Fargo refused. Instead, Wells Fargo said it would send a new check by express courier and it would arrive within two business days. That new check never arrived. 
To this date, I have not received my approximate {$4100.00}, five months after Wells Fargo should have returned that money to me.

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