BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Re : MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX AL XXXX ( XXXX ) XXXX This is a Medical bill that originated from XXXX XXXX. Originally sold to XXXX XXXX. I made an arrangement with the creditor and was advised when loan payed off it would be deleted. Payment arrangement was auto debit {$75.00} from my account. Last year, the account was deleted from my report. Assuming it was paid, I felt my account was in good standings and was satisfied. Today I receive an alert, this collector XXXX XXXX has reported me past due. No 30 day written letter was sent advising me my account was seriously past due. I didnt even know who they were until today. When I called collector was verbally abusive saying well we sent a letter saying it a payment would be drafted. I responded do u know how many autodebits I have, thats not saying Im late. They advised we called, when I asked for the number it was my old number. So at this point, Im nothing has been sent saying I owe you. They go well if u had looked at the letter youd see the balance was the same. I said actually no, I didnt see that, when I get my bills if doesnt read disconnect service or adverse action letter credit reporting warning 30 days I disregard. So I asked did you send me a letter stating the account was past due. They said no. I said did you send me a 30 day letter of credit reporting per FCRA, they said no. I said well how the heck was I supposed to know I owed you money. She stated you should keep better track of your bank account and youd know it didnt draft. I advised her if the card on file is not valid it will not reject therefore I wouldnt be aware that there is an issue. Moreover, I didnt even know they had my account or what it was in reference to, I just knew I had multiple medical bills from my accident and assumed it was valid. 
Now my credit has a derogatory mark that I discovered not from creditor but through my credit alerts. My FICO credit was at XXXX its now XXXX point reduction. Had I known about this past due, i would have paid it before it hit affected my credit. I wasnt given the opportunity and they refuse to remove or give me 30 days to rectify. They kept patronizing me saying its been 3 years. I advised them a payment plan is not unusual for medical bills but I cant pay on something I dont know is outstanding. No payment rejected in my account, no past due letter is sent, and finding out from the credit bureau when all they had to do was send me a letter is unacceptable. 
Please investigate their poor collection practices. I need this removed off my credit file 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 2019-01-16
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
We called USbank to inquire about the interest that accrued on the account. We thought we calculated the correct amount to pay for any purchases that would accrue interest. We received the statement which showed that even though we paid over the amount of our purchase that month, we were still charged for interest. We only have 0 % bonus transfers besides the purchases. The supervisor ( XXXX  ) was not able to articulate where the interest accrued or off what balance. He said that only of we paid off the entire balance that we would not be charged this interest. I feel if USBank can not provide a payment history or how the interest was calculated, then this is a deceptive practice. When we saw this the prior month, the interest charge was removed after speaking to USBank. We would like to understand how to avoid interest charges on our purchases.

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 2021-07-15
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a settlement arrangement through the courts with Paypal Synchrony Bank. Arrangement was honored in 2019 but credit report is stilling showing this has delinquent but it is not. The arrangement has been paid off since 2019.

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 2018-12-06
Company: EQUIFAX, INC.
State: HI
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Dovenmuehle Mortgage, Inc.
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dovenmuehle continues to try to collect my mortgage from XXXX despite expending my Forebearance so that the first payment should have been due XX/XX/2023 not XX/XX/2023. My previous complaint here shows that, however their finance department continues to try to say XXXX it was due. 
Everyone that works at this company is derelict in their duties and it takes filing a complaint here to actually get someone competent and/or inspired to actually do their job. 
Please update my records!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to reach out to Equifax on numerous occasions and each and every time they have told me that I have to send in a copy of my drivers license, passport, SSN etc to validate my identity and I finally got sick of no response and I sent both a fax AND a certified mail envelope containing all of the requested documents along with a letter that explains why I want the security lock lifted from my credit report. I am sick and tired of waiting for Equifax to validate everything. Attached you will find all of my evidence including copies of the certified mail label, the certified mail tracking history, fax confirmation results and a copy of the letter that I sent with the enclosed evidence of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2023, at about XXXX PT, I was notified through XXXX that a hard pull had been made on my credit through Bank of America XXXX 

I am currently in contact with Bank of America, XXXX XXXX Police Department, and XXXX but have been advised to also submit a claim here.

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 2023-06-12
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, and XXXX XXXX XXXX XXXXXXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: MD
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've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-29
Company: EQUIFAX, 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:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received statements from The Swiss Colony company for the amount of {$60.00}. 
I never made a request to purchase ANYTHING from The Swiss Company. On Saturday XX/XX/2021 I called the company and explained. The Customer Service Rep told me he was going to close the account at my request and will waive any debt, because it was fraudulent. Today, I call to speak to a Supervisor because I received a threatening letter that stays the account will be send to collections. The Customer Service told me the account was still open and no credit was issued. This company is fraudulent and with this tactics they are threatening my livelihood and credit. 

The account was opened under " XXXX XXXX '' which is not my legal name. 

I demand they close the account immediately and waive all fees because I never ordered anything from their catalogue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Halsted Financial Services, LLC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am concerned about that email practices used by Halsted Financial/XXXX XXXX. I have received several detailed emails regarding collection activities against one of their other clients ( 10 emails to date ), including declined payments. I am concerned that my information may have been compromised as hers has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 Section 602A states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion is reporting unverified derogatory tradelines on 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 2017-09-24
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:
Good morning, this is my third time trying to solve this issue with XXXX and XXXX  they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers.
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On all three of my credit report there is an open account with Dept of Education XXXX with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.

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 2023-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: EQUIFAX, 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:
My loans have been discharged due to total and permanent disability status. I have inqured and requested when these will be removed from my credit report as it has been over 7 years and I am still getting the run around about it. As I am not able to obtain employment due to this and I don't qualify for federal or state government disability benefits. Equifax the reporting agency has also threatened to keep it on my report for an additional 10 years even though my account is closed and in good standing. I been back and forth with the creditor and dept of education XXXX and the reporting agency Equifax and have not came to an amicable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: GA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that re. 
from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 'he following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletions of these accounts!

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 2023-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am the victim of identity theft. On XX/XX/2023, XXXX criminals repeatedly accessed my Capital One Debit Card through internet fraud. One is disguised as XXXX XXXX the other presents as XXXX gaming. Together, they took over {$500.00} from my account. 

When the first withdrawal ( for {$89.00} from XXXX ) occurred, I reported it immediately to Capital One. Their representative thanked me for calling ( XXXX employee ) while more charges advanced. 

I told her the fraud was going on as we spoke. She did not understand. I repeatedly asked for my debit card to be shut down. I dont think the representative understood the problem because English was not her first language. 

After perhaps ten minutes on the phone, she finally put me on hold, shut down my card and returned. 

She then told me I could not file a dispute until all the charges ( which are pending ) actually POST to my account. I have no money. All my money was stolen as she held me on the phone. 

By the time I got off the phone, the criminals had taken over {$500.00}. According to Capital One, I must do without all that money until the transactions actually post. Until then, the thief enjoys my money ; I have nothing.. 

I want someone too investigate this fraud, stop the posting of these transactions BEFORE the theft is completed. What is the purpose of a pending transaction if the card-holder can not dispute? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: MO
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:
please remove the following account inwhich is unknown to me nor is my responsibility 1 ) XXXX Card Services

Company response to consumer: Closed with explanation