BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested debt validation from ARS collection in regards to XXXX accounts I supposedly have with them. One for {$1600.00}, another for {$440.00}. and the last for {$390.00}. I sent out my first debt validation letter at the end of XX/XX/XXXX2021 and what I received in response from this company was a bill dated XX/XX/XXXX with someone else 's name on it. Showing with only two of the three accounts, but the one not on the bill ( {$1600.00} ) shows on my credit report from them. I sent out a second debt validation letter on XX/XX/XXXX, this time certified mail. It shows picked up on XX/XX/XXXX. I have not received further response from this company on the required information I am asking for. I do not have knowledge where these bills are coming from and what they are for. They continued to show up on all XXXX credit bureaus and want them to be removed if they are not providing any information to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CITIBANK, N.A.
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:
On XX/XX/2020 at approx. XXXX a representative ( XXXX ) claiming to be with XXXX XXXX  card services called me and stated they were going to transfer balances from my credit cards to another to save me interest. I asked how he received my information and he explained because I was already a customer with a good payment history XXXX and was prepared to reduce my monthly bills to keep from losing me as a customer. He stated since the COVID 19 pandemic other customers were filing bankruptcies and wanted to ensure my payments were manageable. He ( XXXX ) had all my credit card information at hand and seemed legit. Long story short, after numerous questions from me concerned about this call being potential fraud and do not pull a credit report. Sure enough before we hung up the phone an alert for hard inquiry from CBNA via my XXXX account popped up on my phone. When questioned about the alert the representative said I would receive a letter or could call CBNA to dispute and told me to have a good day.

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 2021-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is an account that is over 7 years old according to the fcra and the fair debt collection act debt good or bad is to fall off after 7 years this is fact

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 2018-05-16
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX i receive my direct deposit as always, And on the very next day XX/XX/XXXX my money was gone. I call amex customer services to file a claim on a transaction for the full amount of my paycheck of {$1200.00} dollars after few days they reply on a piece of email saying that the transaction was authorized therefore my account is no eligible for a refund aparently someone login in to my account and schedule a transfer to their own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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:
I reported an account that was not mine or that I had no knowledge of to both Experian and XXXX. I submitted the information to them regarding my dispute with the collection agency which clearly shows that the collection agency fraudulently changed loan documents to reflect that the account was mine when in fact it was not mine. The original collection letters in attempt to collect for the alleged loan were sent to a residence I have not lived in since 2015. It was only after I had contacted the collection agency that they started sending collection attempts to my current residence and when asked to produce proof that the alleged debt was mine, they submitted to me a loan document reflecting my current address.

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 2017-12-18
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Sent letter to company requesting : contact info, employment status, quarterly wages, XXXX XXXX XXXX ID, asking to contact at work. 
Also signature of XXXX XXXX XXXX XXXX XXXX XXXX reveals that the letter references a collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened the a savings account online with Chase bank and funded it ( {$300.00} ) within the minimum time frame to avoid a monthly fee. However, for the last three months, Chase has assessed a {$5.00} maintenance fee. I've had to call them to get it refunded only to be charged the following month as the average daily balance was not {$300.00}. The average daily balance was NOT {$300.00} because of the fee assessed incorrectly by Chase. This is an endless cycle. I'm assured every month it won't happen again but yet is continues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$560.00XXXX XXXX XXXXXXXX Balance : {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
American Express are discriminating against me due to my XXXX and medication. They are refusing to process the attached reasonable accommodation request under the American with Disabilities Act of 1990 as a title III company. 

The email was emailed to XXXX XXXX and XXXX XXXX on XX/XX/XXXX regarding the title III reasonable accommodation request which attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/20, complainant transferred {$300.00} from a XXXX checking account ( XXXX ) with the transaction completed on that day around XXXX. Transfer has not yet been completed with delivery to Citi savings being around XX/XX/20. 
Citi business customer service has not been able to find the pending transaction. 

Their second level supervisor indicate that the fault is with XXXX as the transaction has originated from them. 

I do not know where my money is nor is the bank providing any service.

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 2022-12-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. attached is my ftc report, social security card, state id and utility bill My identity has been stolen. 

Unauthorized Accounts/ collections have been fraudulently used in my name. This is wrong. 

block and remove these accounts/collections/charge offs XXXX. Experian Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experianXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-20
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not a duplicate complaint! This is a request of documents and information. This is a complaint because Discover is not sending documentation and information on the account. 
I request method of payments on the account. Specifically, the methods of payments used that bounced. The bounced payments then afforded this person to continue using the card and allowed the credit limit to be exceeded. 
Please, I need method of payments, accounts used, name of these accounts, IP Address, etc. Please call if you do not understand.

I have already sent sheriffs report, FTC identity theft reports etc., and your denial of fraud continues. The documents and information I am requesting will reflect a pattern, the identity of a person, and allow me to update the sheriffs report, and allow me to pursue. I have repeatedly requested this information and you are hurting and preventing me to establish the fraud. 
Again I ask, please call if you do not understand my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being billed for a debt to XXXX XXXX that I do not owe. XXXX, XXXX XXXX XXXX  office out of XXXX in XXXX XXXX and my insurance company have been going back and forth since before XXXX. Now, XXXX has reported me to the Creditors Bureau USA. I feel that this is a form of harassment on behalf of XXXX and the Credit Bureau. XXXX is trying to " Ballance Bill '' me despite the contract that they have with my insurance company. When I called to tell the Creditors Bureau USA that they are trying to collect a debt I do not owe, they initially refused to give me contact information for Quest or to acknowledge there was an error. ( Thanks XXXX working the last shift in XX/XX/21 ). XXXX, a supervisor, finally agreed to give me information. They refused a three way call between my insurance company and themselves where the EOB was explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Dear Sir, Madam, I have been using an HSBC Premier Mastercard credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. 

However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. 

After complaining in XXXX to the HSBC and XXXX  among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX  XXXX account for exemple. 

XXXX  XXXX, in their refusal explanation letter XXXX Adverse XXXX XXXX attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX  and XXXX. 

HSBC US uses XXXX, XXXX  and XXXX, from what they told me. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as HSBC US is winding down its retail market to close by end of this year they said in a letter. 

Thanks for your assistance in this issue. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: WI
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 received my credit report and on XX/XX/XXXX these accounts with amounts and balances XXXX XXXX  XXXX {$510.00} XXXX XXXX  {$510.00} XXXX XXXX XXXX ( XXXX XXXX {$530.00} not related to any transaction I have had. 
XXXX  XXXX ( collection ) {$540.00} not related to any transaction I have had. 
XXXX XXXX ( collection ) {$1000.00} not related to any transaction I have had. 
XXXX XXXX XXXX ( collection ) $ {$520.00} not related to any transaction I have had. 

XXXX, Equifax and XXXX have reported as recent as XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
XXXX and Transunion are incorrectly reporting that I am an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX someone somehow was able to withdraw {$900.00} from my EDD Bank of America debit card. I discovered this on XX/XX/XXXX while talking to a bank rep. We canceled the card immediately, I then filed a claim with fraud team. I also filed a police report with XXXX XXXX XXXX CA. I am very stressed out, I have received no follow ups by email as the bank said they would, not even a auto generated email with the details of my claim # XXXX BofA, please help me to get my money

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 2022-12-08
Company: Experian Information Solutions Inc.
State: NY
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:
Around XX/XX/2022, I was offered a credit card by the credit company called XXXX XXXX XXXX XXXX.Address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX IL XXXX. 
for credit limit of $ XXXX i took the offer and they said they were going to send me the card within a week or two, so i was waiting for the card to arrive but it never came to my address, So i called them and said that the card did not arrive, they told me to give it another week so i waited for the next week, but the card never came along, so i called them again, now they said they will send me another card so i waited for another card to arrive, but same thing happened again that the card never came to me, so i called them again, and they told me to wait, and to my surprise i got an email saying that my card was activated and have been used for the amount around {$1400.00}. 
So i called them and said i never got the card and i got an email saying that the card was used, then they started transferring from one call to another, I spoke with 2 different agent at the same time, one with the XXXX XXXX and another with XXXX, So finally they said we will investigate the matter, month past nothing came from them, i called them again and again but they keeps on transferring from call to call but no one is helping me. 
they reported me to the 3 credit bureaus and from there my credit score started falling badly. Now instead of investigating the matter they charge interest and started to send me monthly statement via email, I spoke with many customer support but they never helped me, they keep on pushing me in between two departments which is XXXX and XXXX. i am being treated like a soccer ball. 
i have also made complaint to XXXX XXXX XXXX  on XX/XX/2022 with the complaint # XXXX and got respond from the XXXX  informing me that the card company never responded. 
Yesterday XX/XX/2022 i called the company and asked for all the documents about the investigation made by them so that i could go to the new york police department to file a report but they did not accepted my request and never send anything to me. 
Due to this reason, i am having XXXX and XXXX XXXX and i lost a lots of points in my credit score.

i am requesting Federal trade commission to look into this matter. 
Thank you Sincerely 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 2020-12-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bankruptcy in 2014. Reaffirmed both the mortgage and the equity loans. Paid off the mortgage. Made regular payments. Pay regular payments on equity, plus extra principal amounts on regular basis. 
My credit reports do not even acknowledge that the equity account is being paid. They all show an ending date with no further activity and the balance is still showing {$17000.00} owed. 
I called Wells Fargo Home Equity 's main office and talked to the head loan officers twice about correcting this information. They both said the amount owed and payment history can not be corrected because it was in the bankruptcy-. Even tho I am making the payments on time. They said Wells Fargo 's " system '' requires them to show the loan this way and it can't be changed. I told them that this isn't fair to me and that their " system '' sucked and it is affecting my credit score. They both agreed but said Wells Fargo " system '' for reporting bankruptcy information can't be changed. 

This is the stupidest thing I have ever heard of. Can you do anything to make them correct their " system ''? I wonder how many other if their customers have run into this. 
Thank you 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 explanation