BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope you're doing well as I write you this letter. After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. Since my information was impacted by the XXXX data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes. 

XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I swear under penalty of perjury this account was opened fraudulently I am aware of your unlawful practice of responding to consumer complaints and challenges by sending generic letters regardless of the information provided. Each disagreement must be resolved on an individual basis, according to 15 U.S. Code 1681i ( 2 ). I used fully accessible software to create my letters. My consumer rights are violated if my letters are not processed. I will view this as a violation of my rights and will speak with my attorney.

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 2017-04-20
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Progressive Management Systems collection agency reported to the  XXXX  credit bureaus that I have a debt to  XXXX   XXXX   XXXX   XXXX  opened  XXXX    XXXX  . I have never been to this medical center. There would be no reason for me to go to this medical center.I have never heard of it and I do not know where it is even located. I have and had insurance with  XXXX   XXXX  and I would only go to  XXXX   XXXX  for my medical needs.   I never received any billing from this medical center but I have a collection from this collection agency. I do not know how or why this has happened but, I have disputed this before and it was to be deleted from the credit bureaus all three.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: HCFS Healthcare Financial Services of TeamHealth
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: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act XXXX {$100.00}, XXXX {$150.00}, and ACCOUNT RESOLUTION SERVICES {$1200.00}. Has violated my rights. 

15 U S C 1681 section 602 A.states I have the right to privacy.

15 U S C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 made several attempts to resolve the issues with the credit reporting agencies. There are several accounts, as well as multiple entries listed in my personal information that do not even belong to me. I have submitted an FTC complaint and the credit reporting agencies were also sent a copy in previous letters. I have rights that protect me as a consumer and have notified these agencies of the violations they are committing. Their continued willful non-compliance is unacceptable. 
I am seeking the assistance of the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney General to remove the fraudulent and inaccurate items that are being reported on my personal credit report. 
I am prepared to seek litigation if this final attempt to remove the items goes ignored. 
I will be uploading the documentation that was previously sent containing the items in question. 
Also note that I AM submitting this complaint on MY OWN behalf and no third party is involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Please delete this item 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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

The payment history on this account XXXX is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I received a letter from Mr. Cooper Mortgage Company offering assistance for those effected by COVID 19. I was having a hardship but had not defaulted on the loan yet. I thought it prudent to be proactive and applied for forbearance and was approved. I was in forbearance from XX/XX/XXXX to XX/XX/XXXX. 

Mr. Cooper contacted me to advise my forbearance plan would conclude at the end of XX/XX/XXXX. The letter also offered next step solutions for my mortgage, including modification. I began the modification process in XXXX of XXXX. The company advised that I would not have to submit payments while I was applying for the modification. 

On XX/XX/XXXX, I received a letter from Mr. Cooper stating that I was approved for an FHA HAMP Modification and Partial Claim Combo. The modified payment would increase my mortgage payment by {$480.00}. It was my understanding that an approved modification results in lower payments and/or interest rate. The interest rate increased from 2.75 % to 6 %. 

The letter also states that I am declined the forbearance plan. This confuses me since I was already approved for and went through the forbearance plan. 

Upon reading Mr. Coopers modification terms, I called their modifications department. I told the representative I could not afford to pay the amount and would rather stay under my previous mortgage terms. He advised that to go back to my previous mortgage, I must pay a substantial lump sum equaling approximately six months worth of mortgage payments. He said my only options were to agree to the modification terms that would increase my mortgage by almost {$500.00} or pay a lump sum of over {$7000.00} to stay under my previous mortgage. I am financially unable to do either. 

I was duped into believing I was receiving assistance due to hardships brought on by COVID 19. Instead, I was misled into possible foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from a company I have never heard of did business with in any way, A debt validation letter was sent out on XXXX XXXX via certified mail with return receipt. Seeking validation for the alleged debt in accordance with FDCP guidelines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX D XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 and MXX/XX/2021 I made two XXXX transactions through my Bank of America app to pay for a vacation bill in XXXX XXXX XXXX XXXX. XX/XX/XXXX transaction was for {$660.00} and the XX/XX/XXXX transaction was for {$650.00}, so a total of {$1300.00} was transferred to pay for the vacation property. I booked with XXXX XXXX XXXX XXXX on XXXX and the property management reached out and insisted on being paid through XXXX. Upon arrival to XXXX XXXX on XX/XX/2021 the property management gave us an address completely different from what we originally booked. I explained to the management that we had no way of getting to that property there were no rental cars available that weekend and it was just way to far and very unprofessional of them to wait until the day we arrive to change locations. I asked for a refund and told them we would not be staying there. The management I spoke with gave me a different number to call and I received no answer, no call back, and I sent Bank of America text messages, and screen shots of the XXXX payments and explained to them that I was scammed into making these transfers for a property that doesnt exist. I filed a fraud claim with Bank of America on XX/XX/2021. On XX/XX/XXXX I received a letter from Bank of America saying that they were unable to approve my claim. I called and was told the account that the XXXX XXXX people had me send the money to had no available funds in it so they couldnt demand the money back and suggested I reach out to the company again but this company does not exist the website only has a XXXX phone number and hotels.com has taken them down off of their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Dealer Services Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
So i had found out that my contract was fraud do to the lack of full disclosure and that also i participated in a credit consumer transaction and i did not have to pay it back. After i found that out i sent in a money order for full satisfactions and they never reported the amount to my balance. then i sent out a debt validation to they never aswered that when i sent it to them directly. when i sent a debt validation through experian electronicly they responded that way. But they did send the full contract the bottom was cut off and was no signatures. then i sent in the Right of Recissions and they are now harrassing me through another company which you will see through the upload of documents. they also violated the TILA by asking for a down payment.

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