BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: Community Health Investment Company, LLC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I went to a XXXX XXXX XXXX Urgent care facility in Tucson, AZ. Urgent care was a covered expense after copay by my then-insurer, XXXX XXXX XXXX XXXX XXXX. I paid the {$50.00} copay. On XX/XX/XXXX, XXXX made two payments of XXXX and XXXX to the medicare center, a document which I have. 2 and one-half years later on XX/XX/XXXX, I received a bill for XXXX for the same claim. I had never been contacted at all in the 2 and one-half years since the visit. I called the medical center for an explanation and was referred to a billing office in XXXX, who did not have the referenced document and did not want a copy, but said my insurer did not pay. I called XXXX, no longer my insurer, who could not locate the claim. I sent a letter challenging the claim with the documentation to XXXX, and received no response. They then referred the claim to PASI Collections in XXXX, TN. I challenged the bill, again sending copies of my correspondence with the medical center and a copy of the document showing payment. They denied the claim without explanation. I am unable to understand what I am being billed for, 2 years later, and sent another letter asking for an explanation. No response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection action apparently occurred because of overlooking changes to a computer program. I had a long standing account for auto insurance with XXXX, but decided to cancel it last XXXX. I negotiated with another company for a lower rate. However, because the notification to XXXX was not made until a few days before the policy was due, I had to sign several papers - which were duly transacted upon - including an order to cancel the upcoming payment. Somehow, these transactions probably were never entered into the XXXX computers. As a result, it automatically sent the account to a debt collection company called XXXX. My complaint is with them, because the problem with the XXXX situation has been resolved.=. I am incensed because the first that I knew that the XXXX situation had even occurred was a telephone call from someone at XXXX who called me on XX/XX/XXXX at XXXX. The woman asked for XXXX XXXX ; although that Is my husband 's name, I have never used it. I use the name XXXX XXXX. I have absolutely no accounts in the name of XXXX XXXX. My account at XXXX was under the name of XXXX XXXX. Using the name XXXX XXXX was an immediate red alert for me and I refused to " confirm '' who I was - or give these my people my address. I have since received a debt collection letter and 4 other telephone calls. I maintain that this company probably went on a fishing expedition to try to somehow guarantee to themselves that they had a lock on the account. I consider this a fraud on their part and have told them that. The fact that even the written document uses the name XXXX XXXX suggests that this company is using the most underhanded techniques - as well as abusive tactics with phone calls - and needs strong oversight from consumer protection laws. Incidentally, the amount supposedly due was XXXX..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Collection {$290.00} XXXX XXXX XXXX {$5800.00} XXXX Charge-off {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$440.00} XXXX XXXX {$440.00}

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
A debt reinvestigation letter was sent to Transunion and XXXX on XX/XX/XXXX. Transunion responded to the debt reinvestigation letter on XX/XX/XXXX and XXXX responded on XX/XX/XXXX. Transunion stated the reporting had been updated and XXXX stated the reported had been verified. Transunion and XXXX failed to thoroughly investigate this issue and delete the negative reporting. Transunion also updated the " placed for collection date '' to reflect XX/XX/XXXX. Transunion later changed the date to reflect XX/XX/XXXX on the most recent credit report. XXXX XXXX, XXXX recently updated an outstanding balance of {$21000.00} to XXXX and an outstanding balance of {$21000.00} to Transunion. This negative and false reporting has caused a financial hardship.

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 2021-11-15
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: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Me, XXXX XXXX I did the past XX/XX/XXXX a XXXX  USD money transfer from XXXX to XXXX   with the company MoneyGram and never arrives to the receiver XXXX XXXX (account number XXXX XXXX XXXX XXXX // XXXX XXXX // Order number XXXX) I'd contact the last time with the company on XX/XX/XXXX and they open an investigation about with the number XXXX, after that it was imposible for me to contact again with them and I been losting my time and money calling to the company.After two months trying to fix it with the company MoneyGram it's still not fixed and I don't know where is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, XX/XX/2019, and XX/XX/2019, I filed a proper dispute about XXXX XXXX XXXX with Experian with account number XXXX and contacted XXXX XXXX XXXX with a dispute with request for Each bureau reports a different date of last activity and account has been re-aged on this unknown account. I sent certified mail to XXXX XXXX XXXX twice on XX/XX/2019 and XX/XX/2019 to VALIDATE which they never response to this unknown account. XXXX  properly investigated and deleted off my credit report on XX/XX/2019. On XXXX XXXX, XXXX  properly investigated and deleted off my credit report. Experian refusal to properly investigate or properly mark this account as in dispute as is in violation FCRA and FACTA. I included a copy of this unknown account being deleted off my XXXX  and XXXX  credit report. My next step will be to file a small claims in court with Experian for violating the FCRA and FACTA laws.

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 2023-06-08
Company: Zions Debt Holdings
State: CA
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:
ZIONS DEBT HOLDINGS submitted a collections to my account. I asked them to provide proof that the debt was correct because this had been previously submitted by XXXX XXXX back in XXXX. XXXX sent me a contract that I signed in XXXX for 3 years. They said that XXXX has XXXX that my account was on contract until XXXX and that my contract was valid. I told them that I cancelled that contract on XX/XX/XXXX and they said to provide proof. At the time I did not have access to my records. I have requested additional proof, but not received anything except text messages saying they will remove this from my credit report if I pay {$300.00}. I contacted XXXX / XXXX, but they have not provided me with any requested records though they emailed me saying that the last know payment was in XXXX. ( I will attach email. ) I submitted a dispute resolution with XXXX 2 times. I submitted the documentation from XXXX XXXX XXXX with everything they sent me including the billing summary showing that my account went initially delinquent on XX/XX/XXXX. Thus the account is over 7 years since it was current. XXXX said that they researched the case and found to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Medical Data Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX along with XXXX XXXX XXXX is the companies I am complaining about. Twice I have been turned over for collection for a debt that had been paid. I have been unable to work with XXXX XXXX XXXX as they are abusive and uncooperative. Upon receiving a letter for the collection of a supposed debt to XXXX XXXX XXXX, I called the company to explain that this debt had been paid within weeks of receiving the bill from XXXX and that it had been paid several months ago. I told them I would obtain proof and provide it to them but they kept insisting I owed the money and must pay it at the time. I was even told " if you paid your debts you would not be in collection ''. I got the proof of the canceled check and called again to tell them I would send it but the reprehensive would not listen and kept insisting I need to pay it NOW. I ask to speak to a supervisor, who of course was not available but would call back. The call back simply left a message that they would be taking legal action against me. 
My complaint is the abusive language and repeated harassing phone calls which have followed and the refusal to even consider that I might have proof of payment. I am filing this complaint with the Federal Trade Commission, the XXXX XXXX XXXX XXXX, the Arizona States Attorney General, and the Better Business Bureau.

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 2017-10-31
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 sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the 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 2019-12-10
Company: EQUIFAX, INC.
State: IL
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:
The XXXX credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Navient Solutions, LLC.
State: CO
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:
On XX/XX/2019, the principal balance of one of my outstanding student loans was increased by {$2100.00}. The increase is itemized as a " loan sale '' but I did not request any additional funds, nor did I receive such. Navient also did not notify me of this change, and I did not approve it. Because of this, and because this is not the first time Navient has made changes without my approval and outside what is allowed by my loan contract, I believe that my loan servicer is willfully defrauding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX from TrueAccord contacted me via email on XX/XX/XXXX concerning an alleged debt from an account with XXXX XXXX which was an account from XXXX XXXX XXXX, all of which is not legitimate. 
The XXXX XXXX XXXX  was paid in full prior to the Consumer ( me ) closing the account in XX/XX/XXXX, after that I have no knowledge.

I asked True Accord to validate the debt and instructed them there was to be no further contact with me until they had the ability to validate this alleged debt, however XXXX XXXX from TrueAccord continues to contact me frequently via email on the following dates. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX True Accord acknowledged receipt of the validation request letter on XX/XX/XXXX. 

Attached document is the validation request provided to TrueAccord on XX/XX/XXXX and the acknowledgement that they will not resume collection activity until I have been provided validation documents. 

I have not been provided with any validation documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-03-02
Company: Experian Information Solutions Inc.
State: IN
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:
Back in XXXX of XXXX, I submitted a formal complaint with Experian regarding credit inquiries that had appeared on my file without consent, and names/addresses that do not belong to me. 

Then sent back their " canned '' response stating " Inquiries are a factual record of file access ''. I then called Experian in early XXXX ( about 9 days after this letter was received ),  which a female on the other end indicated they would " check into it ''. Nothing came to fruition. No personal information changed. 

My information was compromised in several breaches. Experian can not assume that XXXX  data that was stolen will not be used to apply for credit where Experian data is pulled. Furthermore, three of these appear to be business credit products of some sort. 

These inquiries must be removed : XXXX/XXXX - XX/XX/XXXX XXXX , XXXX. - XX/XX/XXXX XXXX- XX/XX/XXXX EXPERIAN XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX. - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Experian does not have my correct address! These are NOT addresses associated with me : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2021-07-15
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX and I do not have a contract with CMRE. XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: IL
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:
For the company to do what is XXXX and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
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: Their investigation did not fix an error on your report

Complaint:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXXXXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX   XXXX {$94.00} not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX {$280.00} not mine

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