BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: Gregory Hagan
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I recieved a collection notice in the amount of {$47.00} from the Law Office of Gregory Hagan which he claims I owe to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent out a letter of dispute and debt verification to his office via certified mail. Attorney Hagan received my letter and personally signed for it on the green form which I recieved back in the mail on XX/XX/XXXX. After never receiving any form of validation from Attorney Hagan I then recieved a 2nd collection letter 0n XX/XX/XXXX stating that I ignored his first letter and this will not be tolerated. He also stated that if legal action becomes necessary I will have to pay court costs and legal fees. I called Attorney Hagans office on XX/XX/XXXX and XX/XX/XXXX to speak with him and continue to recieve voicemail. His office called and left me a voice mail as well after my first attempt in contacting him. I have spoke with a local FDCPA Attorney on this matter and was told that Attorney Hagan violated FDCPA law by continuing to collect wothout validating the debt and by writing misleading and untrue information in his 2nd letter since I clearly contacted him and didnot ignore his 1st letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a company called XXXX. They have many complaints on the BBB. They are saying I owe XXXX for taking my child to the emergency room. I did take her but cleared up that bill completely a month ago. I called the hospital to double check that everything was paid. This company is commiting a crime. I don't have a lot of money and I'm trying to build my credit so I am scared.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: AR
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:
Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.

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 2019-07-01
Company: Experian Information Solutions Inc.
State: NV
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:
Credit Bureaus report this account XXXX  XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this ASAP..

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 2017-09-13
Company: EQUIFAX, INC.
State: AR
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:
Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed up for this secured credit card with high hopes of creating positive credit lines. I have experienced the total opposite. Despite my efforts i am shocked to have experienced such unprofessional and bad service from a company. Beginning on XX/XX/2017 i spoke with XXXX XXXX agents on several occasions in regard to ongoing issues affecting my accounts. Issues ranging from miss-sent and delayed arrival of cards, no pin numbers sent during activation process, updated address not being correctly recorded and having to reorder replacement cards. Due to these and several other errors ; the cards were never used. I received billing statements shortly after requesting payments on both accounts with late fees attached ( for cards i did not have in my possession ). After speaking with XXXX, XXXX, XXXX, XXXX and numerous others ; i was assured that the late fees were a result of a " glitch '' in the system, and that the late fees would be reversed and removed to due to company error. After several months of ongoing waste of time and misleading information i was forced to close both accounts. During this process XXXX XXXX also reported fraudulent remarks to the credit agencies on each of these accounts. I have attempted to have his information corrected and been lied to by management and customer service agents. After months of waiting for refunds to be expedited by fax request ( XXXX ) and via certified mail ; i contacted XXXX XXXX to inquire about the delay in processing my request. I spoke with an agent who made excuses as to why i could not speak to a supervisor ( happens often ). I was placed on several holds that lasted a minimum combined total of 30+ minutes while the supervisor avoided me. After XXXX finally received my call i inquired about {$37.00} being deducted from one of  my refunds. In previous conversations i was informed that i was entitled to and would receive a full refund due to having never been able to utilize either card. Upon my conversation with XXXX ( XXXX  ) claims that a purchase was made for {$8.00} in XXXX and is the reason the money was deducted. At no other time was this " {$8.00} charge '' ever mentioned in any of our previous conversations and i informed him that the charge does not belong me to me. I never utilized either card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent account XXXX XXXX open XX/XX/XXXX Amount 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 2021-11-11
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX-Balance {$0.00} XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$8400.00} XXXXBalance {$18000.00} XXXX XXXX-Balance {$230.00} XXXXBalance {$510.00} XXXX-Balance {$720.00} XXXX  XXXX-Balance {$1300.00} XXXX-Balance {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: NV
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 no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap..XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my first time disputing this matter i have an account open on my credit report that i gave no authorization to be on my report. I do not owe any dept from this place not sure what it is exactly or whats it for. The account was opened XX/XX/XXXX an is still on my account as of XX/XX/XXXX. I have disuted a previous charge on my account with a similar balance of XXXX dollars that was owed but i have resolved that issue due to a family member claiming my identity. Im thinking this is also there dept

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 2021-11-11
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
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:
cra violation sent the police report and idtheft gov inaccurate information on my credit costing me my life and consumer XXXX of dollars XXXX breach has caused all this

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 2018-01-27
Company: SYNCHRONY FINANCIAL
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I had fraud complain it was resolved in my favor when i went ot get refund balance on my account it was reversed Hi i have had fraud hit my XXXX XXXX credit card new card number is XXXX since XX/XX/XXXX i have been requesting a reffund check it was approved by fraud investigations dept to be mailed out and every time it was approvex the same dept disapproved it afterit being approved XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX on XX/XX/XXXX i was rebiled all fraud charges from almost a year after being promised that it was resolved in my favor over ten times. without notice no phone call the day before of the last request promised no shadow of doubt it was already mailed already mailed i w was rebilled and now am showing i owe a XXXX balance on my accunt and i was rebilled over 2000 dollars wiht no explanation and i had real fraud hit my account and i will not accept a reversal a year later because they did not want to give me my refund they said nothing for 7 months until i requested a refund.I was tldthe check was mailed and lost in the mail on XX/XX/XXXX by customer service but it seems nobody documents anything, i was told it was definetely mailed wait 15 days, now boom rebilled I will followup with the FTC and consumer finance i will not stop they are crooked and dont know wha tthey tell their customers nobody in thier dept are informed or trained either. The direct address to fraud analyst dept is XXXX XXXX XXXX, XXXX fl, XXXX, and phone XXXX and 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 2018-01-27
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:
I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three, Transunion was the most responsive. Transunion began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock XXXX and XXXX credit reports. I'm still unable to successfully use TransUnion XXXX through the XXXX XXXX XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my TransUnion credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they XXXX and TransUnion included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.

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 2019-07-01
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had vet services through XXXX XXXX Hospital for my dog. I terminated services with the vet ( not having a balance ) in XX/XX/2012 once I received orders that would have me stationed outside of the US and not within the area of one of these vet clinics. I moved at the end of XX/XX/2012 and my dog was transferred to a military base vet. When I logged onto the XXXX account I had set up, I saw that two shots were administered to my dog on or around XX/XX/2012 and charges were applied to an account that had already been terminated. These charges were applied to an account I terminated prior to leaving the US. I  was not notified of my pet receiving care at the clinic, I did not authorize my pet to receive care at this clinic, nor did I authorize charges be made 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
Consumer complaint received 2019-07-01
Company: Automated Accounts, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A law suit was filed against me for my ex-husbands childcare debt at XXXX XXXX XXXX in XXXX, Washington. He left a {$5100.00} debt unpaid in XXXX of XXXX, we were legally divorced XXXX XXXX. When we separate in XX/XX/XXXXwe each had our own contract with XXXX and we both continued to use the daycare. I continued to pay my portion, he did not. 
The debt was bought by Automated Accounts Collection agency, I informed them it was not my debt. They started legal proceeding in XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwe had hearings scheduled ( I attended each one with my attorney ; one AA rep did not show ). At the XX/XX/XXXX, hearing the Attorney stated he was going to see why XXXX never pursued my ex-husband. We explained then to the attorney we were determined to go to trial if needed to fight this. There were no further court hearings, notices, or requests from Automated Accounts ( not even monthly statements of the account ) to me or my attorney. 
I notice my paycheck was greatly reduced on XX/XX/XXXX, stating a writ of garnishment. I was not even notified of a hearing prior to prove my case that it was not my debt. After this discovery and talking with HR/finance dept, I tried to research what had happened. Automated Accounts scheduled a hearing XX/XX/XXXX ; they did not notify me or my attorney of it and moved quickly on a garnishment. Now they state the debt is {$7100.00}. 
I still hope to have my day in court and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX two purchases were made ( home depot states they were online ) and charged items were picked up at home depot in XXXX fl. we called home depot once we received a stmt and noticed the charges, they closed the acct sent new cards and reversed the charges pending a fraud investigation. the credits were reversed so we called and they said that the receipts were signed with my husbands name we argued that we live in ohio and that we wanted the signatures on the receipts compared to his drivers lic-which we faxed them we also requested a copy of those receipts that they were comparing the signatures to ( we never received them ) we did hear back from them so a couple weeks later we faxed a formal dispute letter. still did not hear back for like a month and when we did they said that based on their review we are responsible for the 2 charges. i don't understand how they can make us responsible for purchases we did not make -- someone signed my husbands name and i know for a fact that if the signatures were compared one would see that it was not XXXX that signed for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a follow up up to case XXXX. 


Transunion responded that I had two XXXX XXXX accounts and one was deleted in XX/XX/XXXX and one was verified. That is not true. I have attached screenshots showing BOTH collection accounts were removed. Both accounts were there on XX/XX/XXXX, one was deleted in XX/XX/XXXX and the other by XX/XX/XXXX. 

They reinserted one account without notifying me. 

I was not notified within 5 days like is required. Delete this account immediately.

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