BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-03
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I had been in dispute with XXXX mail service since XXXX XXXX. XXXX sent me several prescriptions with a total co-pay of XXXX. I promptly paid XXXX by check as well as XXXX using pharmaceutical vouchers/coupons. XXXX returned the coupons advising me that they did not accept them and requested I pay the balance of {$130.00}. I was surprised by this and contacted customer service to ask how I would have known they did not accept coupons, they stated I would have to call them to find this out. I stated that was unfair since I could have gone to the XXXX store down the street and gotten the medication and had the coupons accepted. Their failure to disclose their coupon policy put me at an unfair advantage. In XXXX XXXX, a customer service rep told me that I could go directly to the drug manufacturer for reimbursement which I did. I received {$55.00} from the manufacturer which I promptly remitted to XXXX. This left me with a balance of {$77.00}. I contacted customer service again to discuss how to dispose of the balance but had been playing phone tag. On XXXX XXXX, XXXX, XXXX processed a debit adjustment against my credit card on file without my permission to collect the remaining balance. I have attached the email correspondence where they assert that they had the right to charge my credit card without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 62 A states I have a right to privacy.

15 USC 1681 section 4 A section 2 It also states a consumer reporting agent CAN NOT furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX has clearly violated HIPAA law in my case. They have my personal information aka medical procedures, too much PMI for a third-party company. I have no relationship or agreement with this company. 

They sent me the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Professional Credit Management, Inc
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XXXX this company put a medical bill on my credit report but with the wrong address and i have tried talking with them to remove this from my credit reports, they went in and they are using a loophole to get this done by using a company name ( professional credit management ) .this is not fair according to the ftc . but they still said its for the imaging center that was for XXXX for XX/XX/XXXX. I been at my home here since XX/XX/XXXX and they said that they tried calling me and i did not answer calls, then they said they sent it to another address that was not associated with me.I need some help please upon removing this from my credit reports because I supposed to be closing on my home in may. I have paid this XXXX $ but its the hardship behind all of this illegal loophole that they have done. 

Thanks 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 2017-11-03
Company: Marlette Funding, LLC
State: PA
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:
Checked credit report and seen an inquiry I did not make. XXXX XXXX, 2017.  Marlette Fund XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my credit score, even thouygh they claim to have no information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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 name is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TRANSUNION FILE # XXXX I did not authorize nor consent to the following inquiries being furnished on my consumer reports 1. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX  XXXX 7. XXXX  XXXX - XXXX 8. XXXXXXXX XXXX XXXXXXXX - XXXX 9. XXXX XXXX XXXXXXXX - XXXX 10. XXXX XXXX XXXXXXXX - XXXX 11. XXXX XXXX XXXXXXXX 12. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 13. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX 14. XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15. XXXX XXXX XXXX I am sending over copy of IDENTY THEFT CASE AND WOULD LIKE ALL INQIUIRIES REMOVED ASAP

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 2020-03-23
Company: Experian Information Solutions Inc.
State: NC
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify. if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$810.00} XXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$610.00} XXXX  XXXX {$16000.00} XXXX  XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$1500.00} XXXX  XXXX {$890.00} XXXX  XXXX  XXXX {$770.00} XXXX/XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$960.00} XXXX/XXXX XXXX XXXX   XXXX {$1400.00} XXXX/XXXX  XXXX {$4000.00} XXXX/XXXX   XXXX {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, eve n thouygh they claim to have no information about 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 2016-05-07
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was sent a letter by American Express stating that they incorrectly credited my account for fraudulent charges and that the charges were being reversed. When i called American Express no one was able to tell me what charges were fraudulent, when they were charged, or who the merchant was. Am i just supposed to " take their word for it ''? I dont think so! This is the 3rd time this has happened to me and i believe Amex is trying to cut their losses by hoping people wont inquire about the " supposed reversal '' of credits. In this day of data and technology there is no way i believe that they cant tell me exactly what credit is being reveresed and why! I think a class action lawsuit should be brought against the company and anyone who has experieince this nonsense should be refunded the credit reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have attempted two times to reach to all 3 credit bureaus in regards to my account issue. I have multiple fraud inquires and some fraud posted to my credit report I've been working on this matter for 3 months and have not received proper response from the bureaus on this matter. The following accounts below are deemed fraud and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-23
Company: EQUIFAX, INC.
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:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX  to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXXXXXX XXXX {$650.00} XXXX  XXXX XXXX XXXX {$150.00} XXXX   XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX Account Number : XXXX Amount : {$3300.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX  Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}

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 2016-05-17
Company: LTD Financial Services, L.P.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I would like to bring attention to the illegal activity that LTD Financial Services is doing. I had spoken with rep XX/XX/XXXX about a settlement. She was very extremely rude. I wanted to know why my parents had been called, especially since I have not spoken with them in over 8 years. I asked what skip tracing tool was used to locate this information. She refused to tell me so I could give follow up with my concern with the skip tracing company. Either way I requested that all number but my number XXXX be removed. Then I offered a settle on the account to close it out at that time of {$200.00} right then over the phone. This card was impossible to make payments on. I could never log on online and I could never reach anyone over the phone to make a payment. I also never got any statements from them. If I was able to make any payments on this I would have. It was n't possible. It is n't like I did n't try. I left {$200.00} was a good amount and a fair amount due to the trouble. When she refused the settlement I asked for a cease and desist on the account. I also wanted a fax number to fax in a cease and desist. On XX/XX/XXXX I faxed in a Cease and Desist to XXXX with my account number on it of XXXX. A week later a received a letter in the mail from LTD for a settlement amount. I had also continued to receive several from that point on. Today XXXX/XXXX/2016 I finally answered when LTD called from XXXX. I spoke with XXXX XXXX ext XXXX. I advised him that I was under a cease and desist. He claimed LTD never received anything. I once again advised I wanted a cease and desist on the account and he stated he put it in for me and also gave me the same fax number as before. I will be faxing another cease and desist over again tomorrow. I also asked if they still would decline the settlement offer that I offered and he asked how much. I said {$200.00} today to close it out. He basically just laughed at me. Not very professional, but I understand the type of industry, it 's rough. Either way concern is that this company is illegally contacting people when they have cease and desists on account. They need to be held responsible for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my   XXXX   report, but the  accounts have been labeled collections/charge off. Transunion and  XXXX  have yet to make any changed. I called the Dept. of Education and they informed me that they told the bureaus to remove the accounts. So I called   XXXX   regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what DOE is saying. Both the credit bureau and DOE are telling me to speak wit h the other.

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 2022-07-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
requested that experian remove XXXX XXXX from my credit report because it was fraudulent. i sent in a police report because my identity was stolen. this was not removed. I then sent a request for proof that it was my account, proof of what the vehicle was sold for and thus a true balance. I waited more than 30 days and never recevied that proof. I then sent notice that I had never received that proof and they have still not removed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the company stating that Im a victim of identity theft, I even issued a police report.. they refused to follow the law and delete the fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: CITIBANK, N.A.
State: PA
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:
I am a northeast resident and three ( 3 ) fraudulent charges were made from California on my XXXX XXXX card in a two-day period. The charges were made on XX/XX/XXXX and XX/XX/XXXX of 2019. The values were {$55.00} with XXXX in California, {$40.00} with XXXX in California, and {$450.00} with XXXX in California. I reported the issue to Citi three days after I noticed the charge on my statement, and twice a week since the initial call. They have refused to remove the fraudulent charges from my account and have held me liable for the charges in my revolving credit. I've even paid the charges to avoid accruing interest and damaging my personal credit. I have never seen a credit card company do this before. Holding the customer liable for fraudulent charges is highly unethical ( maybe even illegal ).

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 2020-03-23
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: Investigation took more than 30 days

Complaint:
Customers who pay for unlimited mobile data have a right to expect to get ... Then when I try to call I'm told I have very little time or a XXXX balance. ... I was a costumer with XXXX XXXX XXXX and out of 12 Billing Cicely 11 where wrong. 

XXXX  trade in XXXX XXXX incorrectly charged 2,000 customers for exceeding data cap btw that was from FTC i filed also

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 2022-03-28
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: Account status incorrect

Complaint:
I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX Account Number : XXXX Amount : {$3300.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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: Information belongs to someone else

Complaint:
I have attempted two times to reach to all 3 credit bureaus in regards to my account issue. I have multiple fraud inquires and some fraud posted to my credit report I've been working on this matter for 3 months and have not received proper response from the bureaus on this matter. The following accounts below are deemed fraud and need to be removed : XXXX : XX/XX/XXXX XXXX  : XXXX XXXX  XXXX  : XXXX US DEPT ED : XXXX XXXX : XXXX XXXX : XXXX US DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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