BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reviewed my credit report and I noticed that there was several collections on my credit profile in regards to medical bills. The company that was reporting in Merchants Credit Guide Co. therefore I called and asked if they could send me something and verify what services was i being billed for, and also if they could verify if they are in fact the collection agency assigned on Behalf of XXXX hospital never got verification I got a copy of a itemized statement. So i filed a dispute with the credit bueras and all of them stated that the charges were valid.I then contacted the hospital today and spoke with the billing department and for one Merchants Credit Guide is not a hired collection agency this is supposed to be collecting on their behalf. They informed me that XXXX is their collection agency and their ph # is XXXX also the amount that the billing dept stated that i owe was not the amount that this fraud agency was reporting and in fact the rep stated that I there was a oversight and that my secondary insurance was not billed therefore I own {$0.00}. The billing rep stated that she would send my out a statement of current charges and she stated that she would have to go back in a rebill my secondary insurance, however I told her to send me what they say I owe as of now. So i can have proof that this Merchants Credit Guide sent my a invoice that is not the correct amount, in addition to them not even being the collection company that is collecting on behalf of the Hospital. Please help me get these frauds off my credit report. The credit Bueras are not of any help and i have sent over countless dispute letters only for them to verify debt from a collection company that is not authorized to collect a debt in the first place

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-04
Company: Telsa Motors Inc
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a new Tesla vehicle in XX/XX/XXXX. At the time of the lease I did not sign up for electronic billing or payment, as I wanted ( and still want ) paper bills and to pay by check, and told the sales person that. I received paper bills for a few months, and made payment by check with no problem. During the term of the lease, Tesla unilaterally switched me to online billing without my consent or knowledge, and stopped sending me paper bills. In or about XX/XX/XXXX, Tesla unilaterally notified me that it would no longer accept payments by check, only electronically, which I protested and rejected as a material change in the terms of the lease. I continued to pay by check as I do not wish to give them access to my bank information and for other reasons including tax verification. Tesla then began to claim that some payments were late or show them as " past due '' even though the checks were timely received and negotiated, resulting in purported late fees being incorrectly and unreasonably charged to my account. Tesla also continued to show a prior monthly payment as past due and inflate the balance due on my later online invoices, even though that payment had been received months earlier and was shown on Tesla 's own online payment history. Recently, Tesla acknowledged that they " no longer have a system to process these [ check ] payments on time '' which seems to be resulting in late posting of my payments long after they are received and even after they are deposited and cleared, generating an unreasonable and unwarranted late charge. Payments by check were a customary and acceptable form of payment when I took the lease, and any consumer would have expected that there would be an accurate and efficient system in place to process those payments and post them in timely fashion. Instead Tesla has unilaterally and materially changed the lease terms by not only eliminating that system, but disadvantaging me by manipulating the posting of my payments by check to generate late fees. In addition, I believe they may be forcing electronic payments to obtain data on consumers ' banking information which could either be used for other purposes, or become vulnerable to data breaches. All of this is a " bait and switch '' tactic and an unfair and deceptive practice which disadvantages me as a consumer and I would like the CFPB to investigate the effect on me and other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
" Wakefield & Associates '' out of Colorado contacted me on XX/XX/2020 at XXXX MDT, over the phone. I asked them for information so I could go ensure they weren't a fraudulent caller ( their companies name, mailing address, etc ) and then looked them up before calling their XXXX number at XX/XX/XXXX XXXX MDT. 

I spoke with a gentleman and requested they send me a written debt validation notice, as I had not received one up to that point. I turned out they had the wrong address, so I provided them with my updated XXXX and was told they would send me written verification. 

On XX/XX/2020 I received a call from XXXX from " XXXX '' who identified themself as a employee of Wakefield & Associates. I informed XXXX I had not yet received a debt validation notice after my previous conversation with them, and they told me that there " had been an address correction '' though " they had not yet sent a validation notice ''. It's been well over 5 days, going on 30. I told them I feel they have not acted in good faith and that I want my written validation notice as is my right ( under the FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Was not notified of investigation status or results

Complaint:
I checked my credit several months ago and noticed that there were inaccuracies being reported. I reached out to TransUnion to correct the problematic items listed. Their response regarding this was that they validated the items with the company. I reached out again and they have failed to respond back. 
I am the original creditor, at no time was there an employee of TransUnion nor the other companies listed when this alleged credit transaction took place. I did not verify any trans actions nor did I give consent or authorization to Trans Union or ANY company to benefit from reporting any of my information. I have a right to privacy! Reporting this adverse information is an attempt to ruin my reputation, my character, and my life in general. This is a violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trans world systems INC has been trying to collect a debt dated XXXX for a utility bill belonging to an apartment I have not lived in since XXXX. I have repeatedly disputed the validity with the bureaus and somehow they keep reporting it as accurate. I have attached photos of mailing with the name of the tenants that moved in after me as well as a copy of my lease dated XXXX. I called the company and explained all of this and was told I needed to file a police report for them to fix it. A police report for me to fix something that I have legal proof I am not responsible for? So I have to jump hurdles now for you to fix an obvious error? As if police don't have anything better to do than take a 4 year old report?! Just take the documentation and acknowledge the error and then change what you're reporting. It's as simple as that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is the third time this year that my checking account was hacked. First time happened back in XXXX of 2023 then the second time happened back in XXXX of 2023 and the third time was today XX/XX/2023. M & T needs to improve their security because the same account shouldn't been hacked 3 times within a 6 month period. I have multiple accounts with M & T including a business account and next time my account gets hacked I'll be taking my business somewhere else.

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 2017-09-18
Company: Experian Information Solutions Inc.
State: NY
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 contacted XXXX trying to remove this account from My Credit report for years they refuse. I have advised them I am a victim of identity theft and requested proof this account indeed without a doubt belongs to me and they fail to do that. The only thing they have sent me is proof of the payments made to the car which does n't prove this debt or account indeed belongs to me.i demand proof such as copy of my drivers license, passport, state issued id, social security card etc documents providing I opened this account personally. I even tried to settle this account even though I do n't owe anything to them and they refuse to remove the account even after payment. This is t correct and someone needs to put into place my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I sent Credit Acceptance a cease and desist letter. The letter arrived on XX/XX/2022. Credit Acceptance has not responded. The corporation has been communicating an alleged debt to credit reporting agencies. The information demanded has not been provided and the corporation continues to communicate this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
I contacted Experian MULTIPLE times about XXXX. I do NOT OWE these XXXX  accounts. They are not mine. I dispute they say verified. I then GOT PROOF that XXXX  either lied to Experian or Experian is NOT doing their jobs in investigation. Per mail, XXXX XXXX owns these debts in which I am disputing with them currently, Experian had since changed accounts closed on notification of this but still REPORTING balance owed!!! They DONT OWN THE DEBT.

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 2017-09-18
Company: SUNTRUST BANKS, 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 contacted Suntrust Auto Dealer on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, I did not get any help from 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 2020-05-30
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MDS has violated my rights as a federally protected consumer. MDS is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion from all of my consumer reports, and monetary compensation for each violation Pursuant to 15 USC 1692k.

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 received a box of documents from a relative and found paperwork of 4 student loans in which I did NOT authorize by my official signature to proceed. They appear to be electronically signed with my name but without my authorization or my personal signature.

The original 4 loan amounts loan dates are as follows : Loan # 1 XXXXXXXX XXXX XX/XX/XXXX for {$20000.00} Loan # 2 XXXX XXXX XX/XX/XXXX for {$14000.00} ( the promissory note for this loan # XXXX has my forged signature on the document ) Loan # 3 XXXX XXXX XX/XX/XXXX for {$7800.00} Loan # 4 XXXX XXXX XX/XX/XXXX for {$2500.00} Per my credit reports, these are now under Navient. Ive tried a few times over the past several years to dispute my claim that I am NOT the co-signer on these 4 loans  and I have asked several times for documentation/promissory note copies from the services to provide proof otherwise and they do not seem able to cooperate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is another notice of claim brought against TransUnion. TransUnion has inquiries listed on my consumer credit report that are in violation of 15 U.S.C 1681b. These inquiries are unknown to I the consumer and must be deleted. Consumer has put TransUnion on notice of this fraud alert. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer will file continue to file complaints against TransUnion for the improper and unlawful dispute processing tactics. If these inquiries aren't removed within 4 days, consumer will alert the AG, FTC, as well as file suit against the reporting agency for false reporting. TransUnion must provide my signed signature authorizing a consumer credit transaction as source of furnishing these inquiries. TransUnion has yet to provide any evidence of extension of credit establishing these inquiries.

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 2020-11-25
Company: Experian Information Solutions Inc.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing 2 derogatory accounts on my credit report for some years now and the credit bureaus kept sending me back a letter saying verified. Although I kept on asking the question, verify by whom and how, the credit bureaus never answered me. I have written a letter to the creditors, ( XXXX and XXXX  ) via certified mail and they have failed to provide the requested documents to justified their position to keep these negative accounts on my credit report. I have send copies of their response to the credit bureaus to prove my point, via certified letter, showing them that the creditors ( XXXX  and XXXX  ) was not able to Verify anything. I am asking the Credit Bureaus to please delete these derogatory items from my credit report and get me out of this financial nightmare that Ive had to live with over the years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 2 checks. Not only was a hold placed on both checks, but they also subtracted it from my balance. Now I'm almost {$2000.00} in the hole. My rent is due and I've got kids to feed. That is all my money. We could be homeless by the time they give me my money.

Company response to consumer: Closed with non-monetary relief