BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: M.L. Zager P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is not fair and all facts should be looked at. This was first a workmans comp case that was wrongfully entered back in XXXX. When workmans comp contacted me I told them this was personal injury and provided health insurance. 2 years later I was never notified of the debt until it showed on XXXX. I called and paid ASAP. I am a business owner and check my credit history Im 100 % on payments. Zager collection claims it was put in back in XX/XX/XXXX. Never revived any mail or anything on this debt. I was forced to pay to avoid bad credit rating. XXXX says it was put in XX/XX/XXXX. Theres a date Discrepancy. When it says XXXX. Good way to Ruin someones life and credit. Its wrong to put this against me and drop my credit rating. Please resolve or help me resolve to get removed. Thank you XXXX 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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The problem I have with the credit bureau stating I dont have a security freeze, but when I apply for any account it get declined. The creditors stating I have a security freeze which I dont per the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On Tuesday, XX/XX/XXXX, I deposited a check in my business account at Bank of America in XXXX XXXX, NC. I went inside the brick and mortar building. I tried to cash a check but I was told it would have to be deposited and I could get cash on Wednesday, XX/XX/XXXX. I asked the teller would there be a hold and she stated no there will not be a hold. This was at XXXX XXXX. At XXXX XXXX. I received an email stating that there would be a 10 day hold on the check. I would not have deposited the check if I had known there would be hold. I went to the back and they said it is nothing they can do because my account is so new. They cased the same check in XXXX. I called Bank of America and was told it is nothing they can do and that they can put holds as they see fit. This has caused my mortgage, car payment, and over XXXX of payments to bounce because I am not able to access money that I have earned. I don't know how I am going to recover from this but it is not fair. I could see if the business that wrote me the check was new but it is a school. I am education consultant. Bank of America could have released this hold but refused.

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 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2023-07-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX I had a flood at my house and needed repairs. I received a HELOC from Wells Fargo. They gave me the impression that was borrowing from the equity of my home at a low interest rate. Come to find out, it is a variable rate loan ( I would have never signed up for that ) and that it is a 30 year loan! Who would take out a loan for XXXX for 30 years?! What kind of bank loans {$17000.00} on a 30 year note!? This is 10 years past when my mortgage was scheduled to be paid off. I could not believe what I was being charged. For the last 8 years, I have paid {$100.00} a month with 80-90 % of the payment going to interest. In the last 8 years, I have paid only {$1400.00} on the principal of the loan and over {$8000.00} in interest! Wells Fargo stopped offering the HELOC because it is such a terrible product but has offered no compensation to those currently being ripped off by their HELOC. I do not recognize my signature on the paperwork they gave me. It does not look like I signed this. I called a couple years ago to refinance, and they told me it was not a good idea. I talked to them today and they basically told me there was not help for me because I agreed to those terms. I have listened to XXXX XXXX since XXXX and I would have never signed a loan for these terms. I do not believe I agreed to these terms as they are ridiculous, even if you don't know what you are doing. I feel like I was taken advantage of and stolen from by Wells Fargo. Is there a class action suit I can join? Anything?? I know WF has been sued over HELOCs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To AMERICOLLECT : YOU ARE BREAKING THE LAW! 

This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. 

Until you can provide me with documentation stating that I gave you, Americollect my authorization and request to release my personal and medical information/records, i demand that you block and cease collections on the following accounts from my consumer report. 

-Americollect XXXX {$1.00}, {$1000.00}, {$710.00}, {$720.00}, {$150.00}, {$62.00}, {$110.00}, {$460.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. 

According to 15 USC 1692c ( c ) ( XXXX ) I am involving my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between Americollect and I Stop all negative reporting scribing to all consumer reporting agencies Remove and block all negative reporting activity Zero out balance Remove any late payment reports Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. 

This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). 

You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! 

Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX city bank placed a block on my account, XX/XX/XXXX they sent a letter saying they were closing my account within 30-60 days. It has been over that time Im currently waiting on it to be closed because I had just received my income tax in the account a week prior to it being locked & all of a sudden they wanted to close. Ive called numerous of times each day its a different thing with the representative, I spoke with one two weeks ago XX/XX/XXXX she said that they are closing the account & I would receive my check within 10 days. It has been over 10 days & today when I called back she says to wait 15 days. This happens every time I call they say different things!! These people are a rip off & they are stealing!!!

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 2019-04-17
Company: EQUIFAX, INC.
State: CO
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:
EquifaxisincorrectlyreportingmeasanAuthorizedUseronXXXXpartialaccountnumberXXXX.(Pleaseseepage7oftheattachedcreditreport.)IcalledXXXXXXXXandletthemknowthatIdidnotgivepermissiontobeaddedasanAuthorizedUsertothisaccount.TheyremovedmeasanAuthorizedUseronXXXXandXXXXhoweverEquifaxhasnotremovedthisfrommyreport.Ihavecontactedthebureautofixthisissue.Thisnegativereportingisharmingmycreditscore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information was breach through out the credit report agency, ( transUnion and XXXX ) I've been try to resolve the issue for almost an year now. then recently find that the credit bureau are the one that responsible for my personal information to get out there. Where I receive email from a third party due to the fact that people are using my information to apply for credit card loans, mortgage et.. I contact the bureau a several time in order to have those inaccurate items as such hard inquiries, company names that I've been heard of or any unverifiable item to be removes in on my consumer report and they're refused to do so. 

According to the Fair Credit Report Act, SECTION 609 ( a ) ( 1 ) ( A ) you ARE REQUIRED BY FEDERAL LAW TO VERIFY-through the physical verification of the original signed consumer contact -All accounts you post on a credit report .otherwise, anyone paying for your reporting Service could fax, mall or email in a fraudulent account. 

I Demand help due to the fact the company that were supposed to keep our consumer information safe are the one that actual causing damage on the people consumer 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 2019-04-17
Company: EQUIFAX, 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX Bankruptcy : Discharged CH-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Respected sir, I am a USA citizen and presently residing in XXXX, I want a transaction history of the amount that I have transferred to XXXX from USA. I have contacted the bank but they could not provide me the same. I am fighting a litigation in XXXX and this is very important for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: SUISSE BANCORP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I just received a summons to appear in court by Suisse Bancorp, they taking me to court on a loan XXXX XXXX, and XXXX XXXX, total is XXXX. Now i get a summons that i owe XXXX, I thought my lawyer use the money on my second accident to pay them, i did n't receive no letter from Suisse Bancorp until yesterday on summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I received a call at work from an unknown local number an a person stated I owed a debt of over {$1400.00} for medical services received in XXXX, AL on XX/XX/2018. I stated I did not owe any debt ( I had my files in from of me and all of my records clearly showed that I paid my deductibles and my insurance carrier XXXX paid the balances ). I continued to get multiple calls a day at work form various XXXX  area numbers demanding that I pay a debt that I did not owe and for which I had never received a bill. I asked that they quit calling me and send me a detailed account of the alleged charges. 

I continue to receive harassing phone calls. I am seeking legal relief and am contacting lawyers to see which one best suits my needs. 

I did call the medical service provider XXXX XXXX XXXX XXXX XXXX, AL ( XXXX actually XXXX XXXX XXXX of XXXX Alabama, then XXXX and XXXX ) and was directed to their new billing entity XXXX XXXX XXXX ( XXXX ). After a brief discussion with their representative, I was connected to a XXXX ( XXXX ) who verified that there was a XXXX   balance on my account. She said that there had been several problem and complaints about Phoenix Financial Services that they were having to deal with. While we were on the phone, she sent them a message ( Req. # XXXX ) logging a request to close my account as it had a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian .XXXX .XXXX is reporting false information on my credit report and is refusing to provide me verification of accounts from XXXX XXXX I have attempted several times to get proof from Experian but all they tell me its verified but my question is how its been verified with what paper work

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 2021-04-08
Company: OpenRoad Lending
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm subscribed to XXXX XXXX 's credit monitoring service. After my score went up a few point, they offered to use their pre-qual form to find my offers for personal loans AFFIRMING that it would not affect my credit. After submit this alleged soft-inquiry I then received alerts from other services I use that my there had been several hard pulls on my credit file which is VERY unacceptable. I'm currently working on my credit and would have NEVER submitted the form if I knew they were going to do a hard pull which is counterproductive to what I have going on. This happened at the beginning of XXXX. 

I suspect XXXX XXXX illegally and without permission sold my information to other creditors. That is the ONLY way these companies would have even had my information for a hard pull. This is a very misleading tactic by XXXX XXXX and if it is included in their " terms '' it needs to be very clear. 

XXXX XXXX, Open Road Lending, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX all had access to my credit information FRAUDULENTLY. I had to suffer a score decrease across two bureaus because of this. I reached out to these companies the same day in an attempt to fix this and see what happened but they all acted clueless and said they would TRY to remove the inquiry and that is not good enough because they were never supposed to have my information in the first place. 

This is the email communcation from one of the companies involved, " [ F ] lagship received the application through Open Road Lending, ( XXXX ) XXXX XXXX, case id XXXX on XX/XX/2020. You may want to contact XXXX XXXX and Open Road Lending to learn more about the handoff steps each took in sharing the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was recently surprised to learn that Radius Global Solutions reported a {$61.00} medcial bill on my credit report. Prior to reporting this debt on my credit file, I did not receive my 30-day notice to dispute. Failure to produce this notice is a violation of my rights under federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got notified by a credit protection program with XXXX that a new inquiry had been requested about my credit at Bank of America. When I spoke to them, they assured me that they took care of the issue and went through the Proper channels to deny the new account. Weeks later I receive a credit card I did not apply for in the mail from Bank of America. When I called Bank of America To dispute the card I later find out that they allowed three more accounts to be fraudulently opened in my name. When the initial incident occurred I put a freeze on all of my credit but evidently the new accounts were opened long after I put the freeze on my credit. How these accounts were issued after there being a fraud alert and notations on those false accounts with my name, I have no clue. This is deeply concerning. To know I took all of the necessary precautions to avoid this from happening again Bank of America still was able to issue cards fraudulently to individuals attempting to steal my identity. This is very unsettling and makes me question the practices of Bank of America. To this day I still have to check in with Bank of America and other reporting agencies to ensure my identity is protected. This has been a nightmare. Just to note Ive never opened an account with Bank of America.

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