BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon requesting debt validation for two different accounts BC Service has reported through XXXX, they responded with detailed medical records without providing release forms, a DIRECT violation of HIPPA regulations. Not only did these documents contain procedures and/or medication recieved it also contained my social security number with NO security measures. I NEVER signs a HIPPA forms authorizing access to any such medical records.

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 2020-12-16
Company: Bread Financial 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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX - XXXX XXXX, on XXXX XXXX, XXXX, XXXX, XXXX and on XXXX XXXX, XXXX, COMENITYBANK/WAYFAIR add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 I made an online purchase of {$10.00}. Later, I realized that Elan Financial Services that manages my credit card through Fidelity Investments charged me a " cash equivalent fee, '' of {$20.00}. On XX/XX/2021 I learned that I am being charged minimum interest fees as well of {$2.00}. Sometime last week, I called the credit card company to dispute the charge and was basically told to go and fly a kite because I should have known that the charge was considered to be an online casino. When I made this online purchase, there was no warning that this would be considered a cash advance. I find this practice to be misleading and borderline fraudulent. As such, I urge the XXXX to launch an investigation whether Elan Financial Services knowingly " hides '' information in order to be able to charge ridiculous fees - imagine {$10.00} purchase, receives {$20.00} fee, plus {$2.00} continued interest.

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 2019-07-28
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already paid off the bill, that has Been placed on my credit file, it has been removed by my other credit files for some reason they are saying that it is current, it is not current I have contacted the provider and they do not show me owing this amount because I have satisfied the amount in full. This is not correct and every time I contact the collection agency they say they will remove it has not been done, something needs to be done. I have my receipt of payment and so does the provider involved, this needs to be addressed and removed off of my credit file.

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 2017-09-26
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I dont earn enough to payback, buy groceries and pay rent. A forebearance is additional interests i ca n't afford. The repayment plan is unrealisitic

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2019 Certify Mail XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX. 
Washington, D.C. XXXX Taskforce on Federal Consumer Financial Law XXXX XXXX  XXXX XXXX. 
Washington, D.C. XXXX Cc : XXXX  XXXX  XXXX  XXXX SELECT PORTFOLIO SERVING INC. 

This complaint is brought to address CFPB misconduct and obstruction handling the following complaint against XXXX XXXX  XXXX XXXX to help the company to avoid disclosure information that is needed to resolve the matter in the complaint. The following complaint were filed to CFPB : Complaint ID # XXXX dated XX/XX/2019 Complaint ID # XXXX dated XX/XX/2019 Those complaints Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) against XXXX XXXX, the company has refused to respond, instead, according CFPB employee had said that XXXX XXXX  responded under ground, leaving no trace of any written that the account do not belong to them. ( See Complaint ID # XXXX and XXXX ). Company responded the complaint does not belong to them on XX/XX/2019 Company responded the complaint does not belong to them on XX/XX/2019 XXXX XXXX, also, have failed to respond the previous complaint. We have notice that CFPB maliciously forward the complaint to SELECT PORTFOLIO SERVICING ( SPS ). We do not need any answer from SPS. 

We just a request a formal letter from XXXX XXXX  saying what they saying underground, that the account do not belong to them, period. 

We request an investigation regarding this misconduct, to allow this matter of this account to be solved amicable and timely. 

Find the attached Complaints. 

Respectfully submitted, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Fl 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 2020-01-28
Company: Synergetic Communication Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged of the alleged debt in its entirety. Further, I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You re illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFBP is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To : XXXX, XXXX, and Equifax. 
I am writing today because there are inaccurate reports on my credit. I tried to have them looked into by a repair company only to have them add the erroneous companies add it back to my credit changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Included is the list of erroneous reports. The reasons I'm calling them errors is because the days aren't correct, they are not the original debtors, and I have know way of knowing who or what I owe. Thank you very much for your attention in this matter. 
XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: ATG Credit, LLC
State: OH
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 letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ).

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I was put on hold and never talked to anyone. several times

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 2021-10-30
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX XXXX, GA XXXX 2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX, GA XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, GA XXXX 18. XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a copy of my credit report and it showed that Navient had reported that I was delinquent 90 days on my student loan payment in XX/XX/2019. As I went through the payment records it showed me current in XXXX and XXXX. I contacted Navient and spoke with a representative in XXXX to inquire and advised me that it was incorrect and that I was not delinquent and was on a forbearance. She told me that I need to write a letter to the reporting team at Navient and also file a dispute with the credit bureau. I then contacted XXXX and filed a dispute only for them to come back and state that it has been updated and it still reflected late 90 days. I called Navient back again and spoke with another representative that then told me that they received my forbearance paperwork and that it was not entered until XXXX and that is why it reflected 90 days. I inquired why they held on to the paperwork and took that long to process it and then penalize me for their error. This is unfair practice as there are several times I have had to consistently follow-up with Navient to make sure that they receive and process paperwork as they will just allow it to sit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported 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 2018-02-07
Company: UBS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I was given a gift card ( probably around XX/XX/XXXX ) for {$20.00}. I looked at it and it says ( on the front of the card ) " VALID THRU XX/XX/XXXX ''. So, I thought this is great, I can use this for an emergency ; and put it in my wallet. 

The other day I came across the card, in my wallet, and decided to verify just how much was on the card. When I put the card number in I found that it had XXXX balance. So I went on line and discovered they had taken {$2.00} out per month for the last 10 months. 

Then, I discovered, on the back of the card, ( in very small letters ) that {$2.00} would be deducted ( as an inactivity fee ) per month after 12 months of inactivity except where prohibited by law. 

I called to complain and was told that they would put in an application to have that reversed. I was told that it would take 24 to 48 hours. After 48 hours I called back and found that the balance was still XXXX. I was asked if I wanted to file a complaint, which I said I would. I was told that someone would call me ( a supervisor ). Again, nothing. 

I believe that I am not an isolated case of this type of consumer theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 U.S.C 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instructions ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in con 15 u.s.c 1681 section A states I have the right to privacy These accounts violates my rights XXXX Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank 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 2021-06-09
Company: Resurgent Capital Services L.P.
State: TN
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: Problem with personal statement of dispute

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation