BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at patient first they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Few years ago someone stole my identity and started opening credit cards under my identity. Ive filed 4 police report in the last 3 years because someone either applied for loans or credits. And Ive been filing dispute with the credit card companys but they keep saying they have me verify but wont show me proof when I requested them the documents. Ive been sending them letter for the last 6 months and I havent received a letter from them. I need to remove this account that dont belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: GA
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:
There are inquiries on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX XXXX account number is XXXX. In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-02-25
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has on my credit file, that I have worked for XXXX which I never have ever worked for XXXX. In addition, they have mentioned that I applied for Speedy Cash for which sounds like a debt collector of some sort. I do not agree that I owe this debt because I never received any contracts of any sort. Furthermore I've consulted with Counsel and realized that I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. Furthermore, The New Comprehensive Credit Act of 2020 states that I must have erased any debts on my credit for which do not have contracts to establish the " invalidated debt ''. There should also be no child support payments on my accounts whatsoever, I'm confused on all that is listed on my credit file. Given that XXXX has had data breaches I also furthermore understand that my private information has become compromised for which also, I should sue for that. Please relay the message so that XXXX and I can resolve this issue outside of court. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company Portfolio Recovery has damaged my credit with a out dated, charged off account. This debt was charged off by the original creditor. Portfolio Recovery has repeatedly called and harassed me over the phone and mail. I have disputed the accuracy of the amount and is pass the status of limitations for South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Santander Consumer USA Holdings Inc.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SANTANDER CONSUMER USA Inquiry : XXXX XXXX, 2020. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Huntington Bank merged with Chemical Bank who had purchased the HELOC that I had with TCF Bank. On XX/XX/XXXX we received a Pay-off letter in the amount of {$190000.00} with an additional calculation of {$26.00} to be paid for each day after XX/XX/XXXX that was required for the title company to issue payment. 

My title company paid {$190000.00} which represents and additional 17 days interest to pay the account through XXXX XXXX. Huntington Bank claims to have received the funds on the XXXX XXXX XXXX but is stating that the funds were insufficient to pay-off the account and now continues to bill me in the amount of XXXX XXXX  monthly. 

The cap on this HLOC was in the amount of {$190000.00}. I asked for a forebearance/deferment on the required interest payments in XX/XX/XXXX due to Covid 19 and did not pay XXXX - XXXX payments. resulting in a deferred amount of {$2500.00}. I made up these missed payments in the subsequent months and my HLOC once again became available for my use in XXXX XXXX XXXXXXXX. 

Specifically, I have repeatedly requested Huntington Bank to provide an accounting as to how a {$190000.00} max HLOC required a payoff in the amount of {$190000.00} and how {$190000.00} was not sufficient to pay this loan in full. The response I continually receive - over the course of the past 3 months of attempting to resolve this dispute is for Huntington to continue to provide me with and explanation that contains incorrect math. I am being told that the {$190000.00} created a shortfall to the {$190000.00} demanded in the payoff. I have been told that there is an additional calculated interest for the month of XXXX- even though it is already calculated within the pay-off demand and that the deferred interest has not been paid such that they now deem me responsible to pay an additional {$720.00} to pay-off and close this account. Never have they provided me with the day-to-day ledger for the life of the loan as I have requested. This loan began in XX/XX/XXXX and was scheduled to be closed in XX/XX/XXXX. There should be NO difficulty in issuing the 4 years - 48 months of statements and records that should prove that the loan has in fact been paid in full and that there is an overage due to be reimbursed. 3 months of letters, phone calls and emails and yet no one has actually taken the time to properly audit this loan and get a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I noticed an error reporting on my Experian report. In XX/XX/XXXX, the item was disputed and removed. I received no notification prior to reinsertion. XX/XX/XXXX, the item was added back to my credit report

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 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank of America fraudulently took {$6900.00} three times from my checking account. I paid of the balance of {$6900.00} on XX/XX/XXXX on XX/XX/XXXX XXXX they took out the {$6900.00} again, then again on XX/XX/XXXX. 
Confronted with their mistake they told me they would replace the funds on 3 to 5 business days. 
This cause more over drafts and fees.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2022-02-25
Company: CITIBANK, N.A.
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
I regret having made a {$830.00} dollar order online thinking I would get quality customer service from your XXXX store. 

I made a online purchase on XX/XX/XXXX for an installation of an XXXX XXXX and was told by the installation department they would not be able to perform the install. I was instructed to cancel the order. I did so and only received a partial refund of {$670.00}. 

I called the XXXX store asking for help and spent XXXX hours being transferred, put on hold and eventually hung up on by the Digital department. I spoke with another department and a lady with a difficult to understand XXXX  accent was very rude and hung up the phone.

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 2018-08-12
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern ; My complaint is regarding an account which Southwest Collections Services Inc in the City of XXXX California claims I owe {$3200.00} which is false.and the amount keeps increasing monthly. It is currently {$3200.00} as of XXXX I have written them on several occasions requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( 15 U.S.C. - 1681 et esq ), and California 's Consumer Credit Statues and subtitle D of the ARRA, SEC. 13401. Application of Security Provisions and Penalties to Business Associates of Covered Entities ; and SEC. 13407 ( 1 ) Breach of Security along with the corresponding local state laws. Please also note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.

Each month for the last several years Southwest Collections Services increases the amount they alleged i owe them and show no proof of a contractual obligation or instrument bearing my signature and i have advised them not to take action reporting to XXXX, XXXX and XXXX and they did and currently report to the bureaus. 

I also believe Southwest Collections Services is in HIPPA violation disclosing medical records in the State of California.

Medical Privacy Statues and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation. 

I am requesting assistance in having this erroneous information deleted and further requesting assistance in how to properly pursue the matter in my local venue of law. 

Please advise and thank you. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1. XXXX XXXX my Account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was Charged off for the amount of {$1200.00}. 
XXXX. XX/XX/XXXX my account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was charged off for the Amount of {$23000.00}. 
This companies are in clear Violation of Language Fraud, Identity Fraud, and the XXXX XXXX XXXX XXXX Not only did my bank violate the terms and conditions that they granted to me at the time of the account opening. The Credit Reporting agencies XXXX, Equifax, and XXXX have Also Violated my rights as a Consumer and broke the law by doing so. Now According to the Codes and the Federal Trade Commission i the consumer Must give Consent for Said banks and third party companies to use or give out my Private Information. I the consumer must give Consent for the Third party Companies such as XXXX XXXX XXXX, XXXX, XXXX, And Equifax to Report ANYTHING ON MY CREDIT. Per the Fair Credit Reporting Act as a Federally Protected Consumer I Am Now OPTING OUT of ANY & ALL authorization that I the Consumer may have Given you Written, unwritten, verbal or nonverbal per 15 usc 6802. 16CFR 313.13. Furthermore Every 30 days im supposed to receive the Option to Opt Out, which was never Expressed nor sent for me to Properly conduct my Affairs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My Name and address are not updated nor correct in my credit report

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XX/XX/2023 XXXX XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. I have not received a resolution yet for these violations. I feel like I am being wrongly treated and ignored of my disputes. I believe failure to look into these items and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have received repeated emails from companies called XXXX XXXX XXXX XXXX XXXX I do not know who these companies are and I do not have an agreement/contract with them. 

Per the 15 USC 1692g validation of debts. I do not recognize how these accounts are reporting on my credit report.

I do not recognize the account numbers, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$5700.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00}

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 non-monetary relief
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
My home address is not correctly shown as is on my drivers license on all sections of my Experian Credit Report which may potentially cause errors in accessing my credit file by potential creditors.

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