BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed repeatedly a collection for medical services that are NOT MINE. The collection agency keeps responding stating it is mine, their letter dated XX/XX/XXXX. I sent a certified letter dated XX/XX/XXXX, return receipt received, asking for written verification proving this service was approved and  rendered to me. They replied with a generic letter simply stating the charge was not mine refusing to provide the proof I demanded.

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 2018-09-29
Company: EQUIFAX, 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:
I have a item on my credit file with XXXX, XXXX, Equifax that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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:
I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I have contacted Experian previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number 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 2023-05-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX try to report my account that over 7 years on my credit report. 
Its supposed to fall off my credit in XXXX but its still there.

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 2021-05-20
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XXXX of 2020, we attempeted to get fiber optic telecomm installed by XXXX XXXX XXXX in our house, the back house of our aunt and uncle who already had fiber from XXXX XXXX XXXX. After an in home visit we were told by XXXX XXXX XXXX that they could not " find '' our property on the map and would get back to us. They left a router for us to set up in the meantime. We never set up service. After unsuccessfully trying to get in contact with the individual who was working on our case from the beginning, when they finally replied, it was with short answers that gave no insight into any work put forth. In XXXX, we tried to get in contact with XXXX XXXX XXXX about the issue and they assured us our XXXX XXXX XXXX XXXX house must have been in a new subdivision and that was why they havent been able to help us. On top of that, we never recieved any word of a debt from XXXX XXXX XXXX until a debt collection agency called my father this week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: Collections Acquisition Company, 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 created an account to monitor my credit and see the XXXX collection still on my credit. This account was paid with the agreement that it was to be deleted from my credit profile, yet it was only updated to paid. I was advised I needed to dispute this with the bureaus with no reply on the status, hence this complaint. Due to manipulative collection tactics with not following what was advised I am filing this complaint as it needs to be removed promptly to rescore my credit, per agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: BARCLAYS BANK DELAWARE
State: CT
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 had a membership with XXXX  XXXX in XXXX, CT. Because of health problems I requested cancellation of my membership by sending a certified letter per their instructions. This was to cancel as of XX/XX/2020 I received a charge against my VISA credit card for {$210.00} on XX/XX/2020 from XXXX   XXXX. Since the facility is closed I am unable to contact them. I have tried to contact Barclays VISA about the disputed charge. I faxed them and mailed them on XX/XX/2020 my dispute but have not received any acknowledgement. I have tried to call but they only accept disputed charges through fax or the mail. I have been on hold for over two hours with no one picking up. 

Please advise what I need to do to stop this charge. 
Thank you

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 2019-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I have rights that are given to me to protect me from misinformation being reported on my credit report

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 2019-03-07
Company: EQUIFAX, INC.
State: NY
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:
I submitted a few disputes to Equifax and ask that they do a proper investigation into said items on my report and they accused me of using some kind of credit repair service like I am not capable on writing my own complaints through the CFPB. 
I have never ever used any kind of credit repair service and I never will. 
So please stop with the stall tactics and do a proper investigation into my disputed items. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX/ XXXX XXXX. 2. XXXX/ XXXX . - 3. XXXX DO A PROPER INVESTIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not my account. I never had and account with XXXX, This is false information and I would like it removed from my account. I have been trying to get this account removed for 6 minths now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already challenged this " alleged debt, '' and I've written to Equifax and the company itself, but no one has responded. On XX/XX/2021, the account was last updated in the amount of {$380.00}, and I'm not sure where this money came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Presto Auto Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX the title loan company filed a court case against myself. The Judge assigned to the case however dismissed the case on XX/XX/XXXX, with no judgements against me. 
The company which is Presto Auto Loans however on XX/XX/XXXX began harrassing me as well as relatives that are not and were never on the title loan. Which consists of leaving threats on my daughters voicemail, sending letters of jail time to my other children and harassing me at my employer at this point. They are doing this even though their lawsuit was dismissed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: ERC
State: WA
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:
On XXXX XXXX, 2017, ENHANCED RECOVERY COMPAN add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX  ( Original Creditor : XXXX XXXX XXXX  ) $ ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) XXXX ( Original Creditor : 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 2023-01-16
Company: EQUIFAX, INC.
State: NC
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 a letter out XX/XX/2022 to Equifax XXXX XXXX, however its been more than 60 days and the credit bureaus failed to send my investigation back after many attempts to correct there inaccurate date they have been reporting. this is not making sense. 

According to the law 15 U.S Code 1681i- Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer notifies the agency directly. they are in violation and haven't complied with the consumer laws that the government has put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/18 I contacted Tower Loan in XXXX XXXX, MO to request approval for insurance that I opted in for when I originated my loan, in case unemployment occurs during the life of my loan repayment. The Branch Manager assured me that she would send out the paperwork and if approved I wouldn't have to make a payment on my account for 3 months if my unemployment continues. On XX/XX/XXXX, at XXXX a representative from Tower Loan contacted me and informed me that he was calling about my past due amount. I informed him that I was waiting for the paperwork that was supposed to be mailed to me and if I didn't receive it by the next day, that I would contact them. I reminded the representative that I'm unemployed and can't make a payment. Five minutes later the representative called me back and informed me that he needed to discuss my past due amount and making a payment. At that point, I stated, " I'm confused why you're asking me about making a payment if I have insurance that will pay my monthly payment. '' I then informed the representative to only correspond with me thru mail and email because I feel that I'm being harassed. He then told me he wanted me to talk to the branch manager. The branch manager got on the phone and immediately started talking to me in a hostile and abusive tone. I informed her that I didn't want her company to call me due to me feeling harassed and disrespected by her and the representative. She told me that she had a right to call me and could, and would continue to call me as much as they wanted even if I told them I didn't want to be called. I informed her that as a customer, I have the right to ask for further correspondence to occur thru the mail or via email. She told me she didn't know where I was getting my information from, but that she would continue to call me. I've contacted the area manager, but I'm still being harassed by this company.

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 2023-01-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I opened a Barclays AAdvantage Business Card. The promotion advertized 80,000 XXXX XXXX miles with {$2000.00} in purchase. I met the requirement in XXXX and have not yet received the points four months later.

I have contacted the company several times through their secure messaging. As of my last communiction in XXXX they stated it would been another 1-2 months. The terms of the offer say bonus paid in 4-6 weeks and can cometimes take 8-10 weeks. At this point it has been way longer than that and I do not think it is fair to wait another 1-2 months. 

This was my last communiction from them on XX/XX/XXXX : We are sorry to hear that you have not received your bonus miles from your introductory offer. Upon review of your account, we show that you have met the spending requirement of {$2000.00} on XX/XX/XXXX. As of today, XX/XX/XXXX, we have created a rewards case to investigate the missing miles and have the miles adjusted to your account. The case number would be under XXXX. We ask to please allow up to 1 to 2 billing cycles for the case to be investigated and completed. We apologize for the delay of the bonus miles and the inconvenience this has caused.

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 2020-09-14
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
In XX/XX/2020 I file dispute letters to all 3 credit bureaus I have yet to receive anything from them. I understand with covid goin on things are slow but taking over three months to reply is not accpectable.

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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
All XXXX accounts should reflect Discharged/Paid In Full as per FTC Federal Truth In Lending Disclosures and Billing/Credit Reporting Act. And, there should be No Deragotory Information based upon conditions of Discharge.

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 2018-10-18
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
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:
Opened a Brokerage+ Checking account with Charles Schwab as my employer uses this broker for equity awards. I see two hard credit pulls on my credit report to open this one account. I didn't authorize the second credit pull. On contacting the customer verification team, I was told that the second pull was a mistake and that a request has been forwarded to the team 's manager to look into it/fix it. The turnaround time promised was 7 days. It has been almost two weeks and there have been no updates.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX - XXXXXXXX XXXX XXXX XXXXXXXX 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 instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of 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 that the information is inaccurate.

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 2023-07-07
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: CT
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 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