BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
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 am reporting these unknown accounts that are being reported in my report. These was opened by someone else using my identity.

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 2022-10-05
Company: EQUIFAX, INC.
State: TX
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 am reporting these unknown accounts that are being reported in my report. These was opened by someone else using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Can transactions be reported on Credit Report? 





XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX ) Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

All Late Payments, All Collections, and All Inquiries.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Capio Partners, LLC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the medical debt alleged by XXXX XXXX as they charged me an amount so much more than any competitive hospital or medical provider would have charged for the procedure that I had performed at XXXX XXXX. XXXX XXXX was requested to provide an itemized listing with the corresponding XXXX  billing codes and amounts, and they have NEVER provided that list. My review with XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX Hospital, and XXXX XXXX XXXX showed the amount should have been closer to {$10000.00} to {$12000.00} while XXXX XXXX   charged some {$56000.00} per Capio Partners which indicates that XXXX XXXX charged me for more than one patient or willfully and deliberately committed fraud by charging an amount that they knew to exceed what used to be reasonable and customary charges. In addition, XXXX XXXX has been proven to have committed fraud in paying our four top XXXX XXXX executives some {$120.00} XXXX as they sold out to XXXX XXXX, and one of the  selling points was the large " accounts payable '' on their books. In addition, XXXX XXXX XXXX was established to address the lack of care that XXXX XXXX   provides to XXXX residents as myself as they have eliminated XXXX services and operating theater at the old  XXXX Hospital. In short, XXXX XXXX looted the XXXX Hospital to help fund the pay outs to those four XXXX XXXX executives. Capio has not purchased this alleged debt and they have not disclosed how much their fee would be to collect this debt but as a general practice my research is showing much of the medical debt is being discharged at 32-46 % of the original amounts if they met the XXXX  billing amounts. In short, XXXX XXXX should recalculate my medical charges with a full itemization showing the XXXX  amounts. Capio needs to butt out as they are not medical practioners, they can be linked to fraud as they are attempting to profit from fraud, and they are not permitted to see medical billings per HIPPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed from my file right away : 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

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 2018-11-22
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get multiple repeat calls about the money that is owed DAILY. once I finally come around to scheduling a payment, all is well. Now when I try to get BACK in contact with them to change a payment date due to being in the middle of transitioning jobs, I get no call back or responses. I have called three times on three separate days and left two voice messages about my case and nothing. Now I'm going to be over drawn in my account resulting in a late rent and backing up other important bills including groceries for my family. I am very upset and scared. I tried to do the right thing and this is what I get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Bread Financial Holdings, Inc.
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:
I was effected by XXXX XXXX - hospitalized. This account was paid in full and occurred interest charges that we added to account during hospitalization

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-23
Company: EQUIFAX, INC.
State: TX
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 was wondering until now why this account is still showing as late payment XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Bank of America small business checking account at the end of XXXX. My account is a little over a month old and I've deposited 3 checks so far from the same employer/contracted agency and all 3 of my checks have been put on hold for 12-15 days. I have tried to fix with issue with the bank. It is my first time using Bank of America. I'm a loyal XXXX customer, however, for my business account I decided to give BOA a try. My first check deposit was done on XX/XX/XXXX, and was put on hold until XX/XX/XXXX. Customer service is extremely rude. I've tried going to the bank and asked them to return my check from the ATM machine because I have bills to pay. I was told that the bank will not do that and I would have to call the customer service line and ask them to see if they'll be willing to get my check out of the ATM and mail it to me. Which obviously would've taken longer than the time it would take them to clear it. The bank manager XXXX XXXX at the branch on XXXX XXXX and XXXX, in XXXX XXXX was very rude and told me you're going to have to wait. I asked how long is the account considered a new account. He said he does not know and I'll know once my checks deposit without a hold. Is that even a legit answer? I trusted this bank with my money and they're giving me the runaround. I have regular deposits every 2 weeks of around the same amount. I've threatened to close my account if this continues but they do not care. I deposited another check on XX/XX/XXXX in the amount of {$4800.00}. The bank told me it will not be available until XX/XX/XXXX. I have bills to pay that are all due the first week of the month. This is unfair and very unprofessional. They're doing nothing to address my issue and won't give me a timeline of when my account will be considered " Not New ''.

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 2022-07-25
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has 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 a account without my written instructions

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 2018-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold my mortgage to Select Portfolio Servicing , Inc. ( SPS ) this year. I have been making additional principal payments and the company has 1 ) not processed an additional principal payment of {$500.00} I made on XX/XX/XXXX and 2 ) processed an additional principal payment of {$1000.00} I made on XX/XX/XXXX as an advance payment instead of additional principal payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Diversified Consultants, 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: Their investigation did not fix an error on your report

Complaint:
I NOTICE INACCURACIES ON MY CREDIT REPORTS APPROXIMALY SIX MONTHS AGO. SINCE THEN I HAVE BEEN DISPUTING THESE NEGATIVE ACCOUNTS BY CALLING AND SENDING MULTIPLE LETTERS TO THE 3 CREDIT BUREAUS ( XXXX, XXXX  AND XXXX ) ON XX/XX/2019,XX/XX/2019,XX/XX/2019, AND XX/XX/2019. I KEEP RECIEVING THE SAME RESPONSE ( ACCOUNT VERFIED ) YET THERE'S NO METHOD OF VERFICATION PROVEN THAT THESE ACCOUNTS ARE MINE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX I had an XXXX  XXXX that cost {$3900.00}. I accepted the equal pay contract where I was told I would be required to pay {$160.00} a month for 24 months and the XXXX XXXX would pay off with no interest. I have made every payment on this bill and the XXXX XXXX will not off at the end of the promotional period. I called in XX/XX/XXXX and spoke with a representative who stated they identified that the system failed to allocate one of they payments I made to the promotion. I was told that an escalation ticket had been submitted and the error would be corrected in 1 to 2 billing cycles. I followed up in XX/XX/XXXX and was told that it could take up to two billing cycles for the error to be corrected but it would be corrected. I called on XX/XX/XXXX and was again told that there was an error in the allocation and it would be corrected. I called back on XX/XX/XXXX to confirm that the correction was going to be made and was transferred to XXXX operator XXXX who was very rude. She told me that I should have caught the error sooner and that there was nothing that could be done to fix this mistake. I asked her why three other agents and one supervisor told me something different on various dates and she was curt and implied that they were wrong. I am not incurring {$1500.00} interest on this purchase when I have made every payment that has been due on this account as contracted. It is unfair and deceptive to advertise that these equal pay promotions will pay off when a certain amount is paid and then fail to properly allocate payments to ensure that the promotional purchases actually pays off as contracted. My account needs to be corrected to ensure that I am not charged any interest on this promotional purchase because I have paid as agreed.

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 2023-09-25
Company: Acra Intermediate Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023 at approximately XXXXXXXX XXXX. A notary public from XXXX XXXX XXXX, came to my construction site at XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX to close out XXXX of my properties listed as XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. The XXXX statement shows we closed at the XXXX location XXXX ( See Ex. # XXXX ). The XXXX XXXX had XXXX XXXX come out with only one set of Documents for my signature. I requested and asked forthe copy and was informed that a complete copy would be given to me after she ( XXXX XXXX returned to the office and made copies and a carrier would return the same day and bring me the copy of the signed documents. The Title company never returned and I did not have a complete copy of my signed documents. Eight days later I reached out to my contact, XXXX XXXX and explained to him I don't have a copy of my documents, and he said the Title company would mail them, I informed my cntact that I would file a formal complaint with the Texas and Federal authorities. I received what appears to be a complete copy of my documents on XX/XX/2023. ( See Ex. # XXXX ). Also attached is ( XXXX # XXXX ) Text messages from my contact XXXX XXXX. The package I received contains missing pages and does not contain all of the pages that I remember signing on XX/XX/2023, My loan was sold to XXXX. ( See Ex. # ) XXXX is attempting to force me to keep a Escrow account, that I insisted on not having when I closed with XXXX XXXX XXXX XXXX Page 1 of my Note, states {$880.00} ( See Ex. # XXXX ) I have paid my Taxes & Insurance for 20 years. I did not receive all of my closing documents. I do not want a Escrow Account. Respectfully, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Friday XX/XX/XXXX I received an email from Trans Union reporting a credit card request had been submitted & denied by XXXX XXXX XXXX due to my credit bureaus being purposely frozen. 
I did not apply for this credit card, and when I reported the fraud to BoA they let me know several more applications had come in. 
This happened previously in XXXX with XXXX & XXXX, with a card I did not apply for actually get sent to my house. I froze all 3 credit reporting bureau accounts & added a fraud alert, as well as requested a report from XXXX. 
The XXXX report had dozens of accounts with my information listed that had not been authorized by me, and I have not received a final updated report but have been able to dispute most. It is locked with a PIN. 
I was advised to report this to the FTC, and from there was redirected to this site.

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 2019-06-01
Company: EQUIFAX, 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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: ENCORE CAPITAL GROUP INC.
State: MS
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've contacted the credit bureaus XXXX XXXX XXXX XXXX ) as well as the collection agency ( Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) and they are still reporting these inaccurate accounts on my credit report under the name XXXX XXXX XXXX. This is NOT my name and these companies continue to illegally re-age these accounts on my credit report. They also close the account and turn around and reopen the account. They also decrease the balance on the account by {$1.00} then turn around and increase the balance on the account by {$1.00}. The is against the law. 

According to the FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

Midland Credit Management services are repeatedly re-aging these accounts on my credit report. They are intentionally disregarding the FCRA 623 ( a ) ( 5 ) ( A ) law.

Also, according to 15 U.S.C 1681 law there should not be any damages on my credit report. This is defamation of character. Due to this, I am requesting {$1000.00} per month Midland Credit Management has damaged my credit profile with this inaccurate information. This has been reporting inaccurately on my credit report since XX/XX/2021. I am willing to settle this for {$15000.00}. I expect this to be resolved in 10 days of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 am an XXXX XXXX XXXX  currently in XXXX and information was put on my credit report with my knowledge of said account and it is harming my future for clearance They are medical bills from XXXX XXXX hospital in XXXX XXXX in which I thought were all taken care as I moved to XXXX over a year ago and never even got bills. There are 3 bills in total including amounts {$1600.00}, {$250.00}, {$300.00}

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 explanation