BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Experian Dispute Department XXXX. XXXX XXXX. 
XXXX, TX XXXX XXXX : XXXX XXXX. XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX XXXX Act. # XXXX which you claim is a Negative status. The account is and has been paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. 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 2018-07-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a letter stating that the information on my credit report was reported incorrectly. 45 days has passed and there has not been a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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 information incorrect

Complaint:
XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX received a garnishment levy order to withhold {$16000.00}. ordered by XXXX XXXX.they sid that the original debt was {$10000.00} plus {$6400.00} for interst.they took that money from My checking account. 
When I got the papers from XXXX and Sherif department after the took the money I started to investigate why. XXXX said that they serve me on 2013 but I never got serv at all. When I mention that they said that everyone says that. that never show on my credit report at all. The other thing is that on my checking account was federal money there from the stimulus check and my husband 's social security pension payments too. I explain that to them but they do not listen to me that's why I summiting this complaint. I want to know when and who said that he or she serves me in 2013 what time and what address because by that time I moved after I lost my house. I like to know why they took so long to show up.

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 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 written several letters to Transunion about hard inquiries on my credit report that I didnt make and they are still there I have over 60 hard inquiries on my credit report that need to be remove in they have not been move yet

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 2018-02-23
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended college from XX/XX/XXXX - XX/XX/XXXX. I borrowed money to attend. I was told by Navient when I requested the loans that as long as I repayed my loans after I graduated, then this would not be applied to my credit until after 13 months of graduation. I have never seen the actual statements that I signed to borrow money and do not know the actual amount that I borrowed. I never received any statements while attending college but see that my credit has been negatively affected due to this money since XX/XX/XXXX ( when I originally applied for the loans ). Now I am receiving statements from the department of education stating my loans were turned over to them and that I still owe $ XXXX. I do not know the exact number her I borrow but I do know that I never would borrow that much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: CITIBANK, N.A.
State: FL
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:
An, so called " Debt Consolidation Company '' ( using 2 names, ''XXXX XXXX & on credit card statement ''XXXX XXXX XXXX ' ) contacted me, to tell me they would take over & make payments to the Banks, allowing me to make a lower payment to this company each month, also would lower my debt by 1/3 I stupidly accepted & gave card 's info. They charged my credit card {$1000.00}. ( Citi Card, Platinum ) XX/XX/2018 The credit company, will not reimburse me, even though this was an Fraudulent charge, Since having no service with this ''Debt Consolidation Company? ' & no correspondence with the persons that signed me up for this ''Debt Release Program? '' ( Persons spoken to were XXXX XXXX & XXXX XXXX @ XXXX saying their Company was out of XXXX ) Can you please help me to be reimbursed for the {$1000.00}, I am aged ( XXXXyrs. ) & on a rather low income. 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 2018-08-22
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been struggling for 6 years to lower my payment. They want something over 1000 a month, not only have I not found a job since i graduated but no one wants to hire me because of this college. Its embarrassing. Now they are demanding money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I only have one collections account. Its from an old XXXX bill, the collections agency ERC is coming after me for {$860.00}. I was young & dumb, I wish I could pay it off but I dont have the funds to pay off this amount. I know taking care of my credit is important but my paychecks go to rent & my car payments. Please help, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions 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:
Explanation of item being disputed : XXXX 's Acct # : XXXX for a balance of {$1200.00}. This XXXX  account was originally removed/blocked and now being put back on my report. The creditor has yet provide me with any signed proof of this account. A police report is already on file with Experian and that should have been enough to remove this account. It was place back on my report with out me knowing. being reported incorrectly and was placed back on my credit profile which is violating my right. In addition, there are dispute remarks " Subscriber reports dispute resolved-consumer disagrees. Unpaid balance reported as a loss by the credit grantor. CONSUMER STATEMENT THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES ''. When I contact Experian, the refuse to help me and reopen the dispute and pull the verification proof. I will be seeking Legal advise for both Experian and creditor.

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 2021-10-09
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi, In XX/XX/2021, I opened a checking account with PNC bank in XXXX XXXX, FL. The address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I closed the account a few days later. 

Today, I received a bank statement from the PNC savings account. I never opened the PNC savings account. The person who opened the account without my knowledge was the banker in XXXX XXXX, FL. He is also the branch manager.

I recall refusing to open a savings account, but the manager opened one anyway. He did not respect my decision. He does not think highly of women but bullies women into opening accounts that they do not need. The manager is a classic example of a bully and harasser. He is a bad example of customer service and a salesperson with a harassing and pushy attitude. He should not have opened a savings account against my will. 

I want the bank to close the savings account which PNC opened illegally. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Experian Information Solutions 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:
the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX  # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX  # XXXX {$1000.00} 10.XXXX XXXX # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14. XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX Florida Federal Court -XXXX Docket # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is 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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX, XXXX is fraudulent on my credit Account # 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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-06-25
Company: KeyBridge Medical Revenue Management
State: OH
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 been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : KEY BRIDGE # 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 2020-05-12
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have 2 collection accounts on my credit from this company. I have never been contacted by them and I don't know what the debt is for. I am a XXXX and not only do my dad and I have the same name- so do 2 of my uncles and 1 cousin. I DISPUTE THE VALIDITY OF THE DEBT AND THE PAYMENT HISTORY. I never received a collection notice or the right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card bill is due on the XXXX of the month. On XX/XX/16 I went online to dispute a charge and to pay my credit card bill. I was disputing a charge and it took longer time than I thought. The delay pushed me 1 minute past the due time of Eastern Standard time thus making the payment late. I am on central time and find the practice of holding customers to a different time zone to be unfair business practices. I reached out to my credit card company at XXXX to see what they could do and they could offer nothing to resolve the {$29.00} late charge for 1 minute. They did reverse the interest charge of {$22.00}. I find the whole practice to be a scam especially for 1 minute to charge {$29.00}

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 monetary relief
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX   XXXX {$700.00} XXXX  XXXX {$450.00} XXXX XXXX {$520.00} 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 2019-09-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received Emergency Care on XX/XX/2019 at XXXX XXXX XXXX XXXX. When the bill arrived, I applied for financial assistance due to poverty level income. I was granted assistance and received a letter dated XX/XX/2019 indicating that all services provided on XX/XX/2019 were paid and the accounts considered closed. On XX/XX/XXXX I received a statement from XXXX XXXX XXXX attempting to collect on services provided at XXXX XXXX XXXX XXXX in the amount of {$240.00}. I contacted XXXX XXXX XXXX XXXX XX/XX/XXXX after receiving the statement from XXXX XXXX XXXX and was told the account was closed and no amount was due. I contacted XXXX XXXX XXXX the same day and disputed the billing and asked for proof of debt. I indicated I had a letter stating the account was paid, and that I had contacted XXXX XXXX XXXX XXXX and was told I had a XXXX balance. I was told that because I was treated in the ER on XX/XX/XXXX, I owed the bill and was provided no further information why or where the bill came from. I again stated there must be an error and I wanted proof of debt owed. 
On XX/XX/XXXX I received a bill from HRRG for the same {$240.00}, after not having been provided any proof of the debt from XXXX XXXX XXXX. Fair Debt Collection Practices Act states that I have the right to obtain validation of debt information in order to ensure the information 's accuracy and I have been denied that right by XXXX XXXX XXXX. I was in turn passed on to a collection company instead of providing me with the information that I am due. I contacted HRRG to explain that I had already spoken with XXXX XXXX XXXX and disputed the debt. Again, I requested proof of debt, this time from HRRG, but was told there is no proof they can provide other than a duplicate of the bill I already have from XXXX XXXX XXXX. I would like proof of debt in the form of an itemized statement from XXXX XXXX XXXX XXXX, showing what items I am still owing for. XXXX XXXX XXXX XXXX is unable to provide me with that information, because they indicate my account is paid in full.

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 2018-08-22
Company: EQUIFAX, INC.
State: OH
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:
Dont recognize, have not applied for anything in 3 years. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a collection on my credit report for a medical bill. I have not been to any doctors for at least 12 years and had insurance. This is either not mine or way to old to get documents to validate. I despised this info with an investigation with trans union. I received notification that it was complete and found to be correct. However, it cant be correct. I have not been to any doctors in over 12 years and had I durance to pay for anything that I had done. 
The file reference 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 explanation