BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
Company: KeyBridge Medical Revenue Management
State: OH
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 disputed these medical collections in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.

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 2020-11-14
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
citibank closed my checking giving no reason called repeatedly said i had to wait for a letter there is almost {$18000.00} in the account action started XX/XX/2020 was told letter wont be issued till XXXX XXXX and then will get letter and take it from there no fraud no problems

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 2020-08-21
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection notice today ( XX/XX/2020 ) from Design Receivable Solutions dated XX/XX/2020 regarding a medical bill in the amount of {$300.00} from XXXX XXXX XXXX XXXX. Ive received several blank statements with no explanation of what this amount is from. An attorney also requested this same information as well on my behalf. To date, I have not received any back up information about this bill and I can not verify that it even belongs to me. This mystery bill showed up after I paid out of pocket for my first XXXX session ( {$1300.00} ) and my insurance ended up paying for this XXXX session and I was entitled to a refund. Instead, XXXX XXXX kept my money even after my insurance paid them as well. This bill is a mystery. They kept sending a blank statement with no explanation and now they sent me to collections! How about sending me the proper back-up to myself or the attorney that requested the information. Taking advantage of a XXXX patient is shameful!

Company response to consumer: Closed with explanation
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: Information belongs to someone else

Complaint:
It is very clear that Equifax and XXXX are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
We had a Mortgage starting in XXXX with XXXX XXXX XXXX XXXX. In XXXX we filed bankruptcy at that time we re-affirmed the Mortgage. In XXXX of XXXX we refinanced our Mortgage for a lower interest rate with our credit union. At that time we found out that XXXX XXXX had not reported our Mortgage to the credit bureau 's since the bankruptcy ( for 10 years ) I had a XXXX call with a Equifax Agent and a agent with XXXX XXXX named XXXX in XX/XX/XXXX. During that call XXXX XXXX told Equifax that we had payed every payment on time every month for the last XXXX yrs and there we no late payments during that time. XXXX XXXX said I had to have asked them to start reporting to the Credit Bureau when the loan was reaffirmed and asked if I wanted that now. I said yes. Its still not reported. I have spent hours on the phone with person after person at XXXX XXXX and they always send me to another person and I get a different reason why they can not help me. They keep telling me to dispute with with the Credit Bureau. Equifax said I can not file a complaint on something that is NOT on my report and that I need to get it resolved with XXXXXXXX XXXX. I want my husband and I 's Mortgage to show on our credit report even though it is now closed since we refinanced. I want it on our Credit Report like it is for all our other loans/credit credit cards that are closed saying we paid as agreed since XXXX. I am attaching the part of my Bankruptcy where I re-affirmed the Mortgage in my bankruptcy in XXXX. Also attaching the document from Equifax saying they confirmed with XXXX that we paid our mortgage on time for the last XXXX months with no late payments. Also attaching the dispute outcome from Equifax, I could only file the dispute under the bankruptcy since my mortgage is not on my credit report. After getting the outcome I called Equifax and that is when they told me I can NOT dispute something ( the mortgage ) that is not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-02-24
Company: U.S. BANCORP
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:
I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From XXXX   XXXX and US Bank both on XX/XX/18.

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 2019-01-11
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
PayPal decided to put a limitation on my account on XX/XX/2018. I was told after a review of some transactions, my money would be usable and I would be able to continue doing business with PayPal. I immediately complied to their requests and provided all available documentation for the transactions as recommended. I receieved no word for over a week. I called their offices to determine the status of my document processing, which I was told it had not even started yet! I did not realize a phone call had to be made to submit a form online. I was told I would have to wait an additional week to have a representative review my case. One week later. No reply. I followed up once again and was told it would be no later than 1 business day. 4 more days later, I was told I would no longer have access to my funds for 180 days. I am a XXXX XXXX and PayPal has provided no information to me as a user as to why I am not allowed to access my money or send funds to others. I am looking to resolve this by being able to withdraw the {$500.00} balance that is held in my account for up to 180 days since PayPal ( the firm ) is unwilling to extend their business with myself further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Credit Systems of the Fox Valley, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have never been to a XXXX in Arizona. And 4 times I believe my credit report says. Please remove this from my report. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My problem is with Wells Fargo who is the bank for my FHA mortgage loan. I was out of work due to layoffs and tried to get them to work with me on a modification. They lose my papers many times and will not let me work with a XXXX speaker. Finally after many times they tell me I am approved for a trial modification. I make my trial payments but then I never receive a permanent plan. I try to make my payment and they will not take it. I try to find out what happened and get no answers. I ask for XXXX speaker so I can know what is happening but they won't give me one. I keep trying to get help but they ignore me and start me to foreclosure. I have good job at XXXX for last 20 years and my son lives with me and works also and helps. We also have a rental unit and my mother helps with her SSI. We can afford to make a mortgage payment, but Wells will not let me go through review for the FHA help programs for homeowners. 

I buy my home in XX/XX/XXXX and then go into an FHA refinance with Wells Fargo in XX/XX/XXXX. That was during the recession and I lose my job for a while and things are very hard. I have a rental unit but that was vacant at the time and also my son who helps me now was not working. So I missed some payments then I began trying to get help with a modification or partial claim or forbearance plan. I apply many times and they lose my paperwork and tell me they did not receive the information. Then later they say I don't make enough money to get help. When I try to find out more or get a XXXX speaker I get no help or explanation. Finally I apply and Wells finish the review and approve me for a trial modification. I make the payments on time and wait for the permanent plan. But this never comes. I try to call Wells to find out what the problem is and once again I can't talk to a XXXX speaker. I get no good answers because I made the trial payments on time but then I don't get permanent. 

I have lived in my house for 13 years and have a good job working at the XXXX and I have my son living with me and contributing plus money from my mother 's SSI and rental income. I have enough money to make a mortgage payment but Wells will not take money from me unless I pay all missed payments. I want a plan or modification so I can get caught up on my missed payments and start fixing this problem. I feel like I am being ignored by Wells Fargo and that they want to foreclose on me instead of help me or work with 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 2021-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 there was a transfer of {$2300.00} from my Bank of America XXXX debit card. I did not make that transfer. BofA said they investigated my claim twice and they say that I made the transfer ( see attached letter from BofA ) and I should try to collect it from the person I sent it to. 
I asked for copies of the of the paperwork they ( The denial letter said I could request that paperwork ) used to come to their conclusion. I still have nothing. 

They just denied it for the third time. When I did the police report they said I had identity theft. The person or persons also got into my XXXX XX/XX/XXXXfor almost {$900.00} but it Ive already been reimbursed for that if Bank of America is so sure of themselves to deny my claim three times, why wont they let me know what they used to make their decision? 
I dont know where to go now for help. 
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 2020-11-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My Experian, XX/XX/XXXX and XXXX credit reports are showing that I have late payments on my student loans and this is inaccurate reporting. I attached letters that show that I contacted XXXX, who verified that I was in school during these periods and could not have been late on any payments, as they were not due. My in-school deferment per the letter attached was from XXXX. For some reason, despite my efforts and the proof that I have sent, these false late payments are still showing. 
These same bureaus are reporting that I owe XXXX XX/XX/XXXXand XXXX XXXX XXXX as collections accounts but this is also false. I attempted to get this information verified ( see attached letter from all the way back on XXXX XXXX ) and I got no responses or validation of this debt at all. At this point, my rights are being violated. 
Section 611 ( a ) says a failure to investigate these things within 30 days gives a reason to immediately remove the items from my credit reports and it has been over a year. I demand that all the above listed items be removed from my reports or I will be forced to file litigation. I need these problems fixed promptly because this is costing me thousands of dollars and I will not wait another year for results.

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 2020-06-30
Company: Experian Information Solutions Inc.
State: NJ
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 was using XXXXXXXX XXXX for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by XXXXXXXX XXXX while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9  months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.

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 2021-07-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a collection account on my credit report for a fitness membership I never had nor have ever been to. I have received no notice about the attempt to collect this debt either written or otherwise. I ask that the company cross reference the name/SSN and/or provide required written correspondence to my at XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions Inc.
State: OH
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 never received any DOCUMENTATION from Experian or XXXX XXXX XXXX. I have never entered into any legal contracts with this company. This is extortion this account is appearing 3 times and no documentations has been provided and this is the third complaint. No documentation was provided with XXXX XXXX or XXXX and the account were deleted in 30 days. I has a police report as well as file a complaint directly with the FTC. Under the provisions of the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) this account is not accurate No Proof of Claim has ever been provided. The law is very clear as the Civil Liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I have no problem with filing a law suits, however I would prefer to have a deletion based on the facts, that stand before the current situation.

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have never filed Bankruptcy! 

Account Name : BANKRUPTCY CHAPTER XXXX Account Number : XXXX AMOUNT : $ NA Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$3600.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$6300.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$8500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$26000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3900.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5400.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$5600.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  AMOUNT : {$7500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$760.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " Navient '' they being sued and this needs to be off my credit report Navient needs to remove this asap NAVIENT

Company response to consumer: Closed with non-monetary relief