BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Intent to file a lawsuit, HIPPA Privacy Violation Validation Letter sent to XXXX XXXX XXXX/STERN RECOVERY SERVC To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 

XXXX XXXX XXXX/STERN RECOVERY SERVC did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file a suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company appeared on my credit XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. 
When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent 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 2023-04-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were many times with Wells Fargo that my account balance was incorrect. When I would deposit money the amount on the receipt would be different to the app on my phone even after a couple of days. Also there has been times when my account was frozen due to suspected fraudulent charges when it was not the case, when I have used {$400.00}

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 2019-03-09
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX C Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: MT
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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. I need the account corrected now! 

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 2023-06-29
Company: Kimball, Tirey & St. John LLP
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:
This company is falsely reporting the open date of a collection and has continuously reported the collection as verified without and method of verification. 

They have also been doing hard credit pulls on my credit which resulted in hard inquiries on my credit report in which Indid not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went for a drug test for a job and a physical and it was suppose to be paid by my employer so Im not understanding why this is on my account

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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am at wits end with the credit bureaus- especially XXXX. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact XXXX. I have called, sent letters, filed complaints with cfpb, filed complaints with XXXX. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access XXXX. I had a new credit card get cancelled by XXXX  without contacting me first. XXXX  assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are XXXX XXXX, transunion XXXX then XXXX, XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
CAPITAL ONE BANK has recently made XXXX inquiries on my credit report without my consent. I need an explanation for why they are accessing my credit report, as this is causing a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company CBSA is illegally re-aging a debt not owed as I have NEVER received a bill for this debt from the original creditor, therefore violating the fair credit reporting act. The Date of first delinquency is allegedly XX/XX/XXXX, however, CBSA continues to re-age this debt monthly starting XX/XX/XXXX maliciously to make this debt appear new and/or current. After speaking with XXXX Credit, they too, sent a request to XXXX XXXX XXXX XXXX as this company illegally re-aging this debt. 

CBSA continually sends two medical invoices with the names of minor children attached versus a bill for this alleged debt. The original creditor never sent a bill or any information saying a debt was owed which is why CBSA continues to send medial invoices which are paid by my insurance company. 

All credit agencies have removed this debt, however, XXXX has not, and has allowed this debt to remain and allows CBSA to re age this debt on a monthly basis. This is illegal according to Federal Law. 

A police report was filed against both CBSA and XXXX XXXX for fraudulently sending a debt to a collection agency then to credit agencies for a debt that is not owed as no service was provided for the debt they are claiming. 

They have intertwined medical debt ( paid by insurance company ) with this other alleged debt. My insurance company Tricare ( federal government ) is investigating XXXX XXXX for attempting to bill fraudulently under my name for a provider/doctor I have never been a patient of or seen. Those claims were denied by the insurance company for inaccurate billing and/or billing under a doctor which I was never a patient. 

After alerting my insurance company of the fraudulent activity, the company XXXX XXXX retaliated by sending medical invoices intertwined with an alleged bill to the collection agency CBSA who is illegally re-aging this debt monthly as I have continually disputed the nature of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX, XXXX, and TransUnion refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from XXXX, XXXX, and TransUnion to have them remove the account due to inaccuracy. All three agencies ( XXXX, XXXX, and TransUnion ) stated that they verified the information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my XXXX, XXXX, and TransUnion credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX / XXXX XXXX XXXX to settle the debt 4 ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.

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 2023-07-07
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 hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to a business credit card account from XXXX XXXX XXXX XXXX XXXX 

This business credit card account is incorrectly being reported on my personal credit report, even though I have never personally guaranteed this card. As per standard reporting practices, a business credit card should not appear on a personal credit report unless the individual has personally guaranteed the card, which is not the case here.

Furthermore, this account is incorrectly being reported as 'charged off ' on my credit report, which is inaccurate. The account has been carrying this status for an extended period, which is adversely affecting my credit score. 

I kindly request your immediate intervention to rectify these inaccuracies. I am seeking the removal of this business credit card account from my personal credit report as its presence and reported status are both incorrect and damaging to my credit standing. 

Thank you for your prompt attention to this matter. 

Best regards, 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 2018-08-24
Company: COMMERCE BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
COMMERCE BANK FINALLY CORRECTED OUR ON LINE ACCESS! WE WERE UNABLE TO MAKE ON LINE PAYMENTS AND AS A RESULT HAD TO PAY BY U.S. MAIL. ( SEE ATTACHED ). PLEASE CORRECT LATEPAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Ocwen Financial Corporation
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Ocwen # XXXX was listed on my credit report ( last date reported ) XXXX, XXXX and should not have been due to foreclosure date of XX/XX/XXXX. After 7 years, Ocwen should not have reported this debt and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My XXXX is XXXX XXXX XXXX. I used Wells Fargo in XXXX nj. I do not remember my card # or account # I had to close my account atleast a year ago. I had to pay ridiculous amounts of fees totaling thousands of dollars which put me further behind in my bills. Ss # is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, XXXX XXXX, my PayPal can not be linked to the bank and withdraw cash, please help me, thank you

Company response to consumer: Closed with explanation