BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: Commonwealth Financial Systems, 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:
I do n't have a clue who this account belongs to and why the heck it 's on my credit report. Please do n't use your bogus tactics purchasing accounts and placing them on my credit, your seriously breaking the law right here. I am challenging you to show me proof of the verification process. You must report 100 % accurate verifiable information.You are clearly violating the law in this case according to The Fair Credit Reporting Act. 609 requires proper verification according to established case law involving the credit bureaus so there you have please remove this account within 24 hours or I will go down to the court house and file a case on you real fast. I do n't play no games with my credit. It better be off my credit by XXXX XXXX, 2017 Wednesday to avoid court fees and civil case. 

1. XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, i was embedded to the ER because of a serious condition and stayed their for 4 days and have over a week in bed to recover. And at that time I have medicate from NY  but went to an ER in NJ and even though my insurance should have paid my bills, i found out that i have a collection from a bill from one of the providers that worked with the hospital, and it went to collection and when i called my insurance explained what happened and asked them why they have not paid the provider, they said that the provider did not give the right consent forms before working on you and also they waited longer than 180 days that they have to submit any ER visit, so i asked can I appeal it and they did and it got approved and they got paid. 
Now the bill i received was XXXX $ but when i got my letter that said they already paid them it showed the bill was XXXX $ but was to the hospital and i still have the bill on my credit report because they havent received the money and when i called the insurance they said that there was no bill that they recited from that provider nor any bills for XXXX , and they investigated to see what happened and found that that provider submitted multiple requested within 3 days and kept on sending it with different amount which all were more than XXXX , and right now the provider nor the collection that is working with that provider refuses to till me what happened and it affected my credit report a lot.

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 2020-08-26
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Us bank did not reply to the right dispute they took 4 bounced check fees out of me when only 1 item bounced

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 i believe XXXX XXXX  XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2021-04-19
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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:
In XXXX, I cosigned a recreational vehicle loan with my then-husband. In our divorce decree a year later, my ex-husband was held accountable for the loan and I was to be held indemnified in the case of default. 
All payments were made on time to the loan. 
In XX/XX/XXXX, I received a credit monitoring notification that the RV had been repossessed due to unpaid storage fees from a reseller lot. All payments to the RV loan were still being made on time. Despite my legal indemnity, I immediately made arrangements to pay the outstanding fees and reclaim the RV. 
In violation of the XXXX code, Huntington never sent me written notification that the vehicle had been seized. They never sent me notification of how I could reclaim it. They did not abide by the 15 day redemption period set forth by the XXXX. The vehicle was sent within 6 days to be auctioned. Had I not gotten a notification from my credit monitoring service, the vehicle could not have been redeemed and the bank would have taken a loss. 
Also in violation of the XXXX, the vehicle was stripped of personal items such as unattached electronics, propane tanks, the license plate and the keys. By law, I should have been notified in writing of the personal items contained in the vehicle and given an opportunity to retrieve these items. They never provided this notification and the items were never returned. 

Additionally, the reporting to the credit reporting agencies is inaccurate. The date listed for the repossession/voluntary surrender, according to my credit report, is XX/XX/XXXX. According to the account payment history, as shown on the Huntington online account, the repossession occurred on XX/XX/XXXX. 

I insist that this account be removed in entirety from my credit reports as it is, in numerous ways, false and misleading and Huntington violated the Michigan XXXX by sidestepping the notification process that could have prevented the whole repossession to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Equifax gathered my personal information and without my consent stored it on their database which they did not protect sufficiently from hackers. As a result my information was stolen and my identity endangered. Their poor data security has endangered me and millions of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: CA
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 i believe XXXX XXXX XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-06-18
Company: EQUIFAX, INC.
State: CA
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 i believe XXXX XXXX XXXXXXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this extortionist XXXX wants me to pay them for violating thier end of the cardholder agreement. 

refuses to reverse transactions-allow 4 fraudulent trnasactions wo my consent refuses to reissue card ( XXXX refuses to do it ) refuses to update address ( 3mos ongoing, mail was stolen ) refuses to ack IDT.gov report abuses my credit file to extort me for money ( a felony ) but refuses outright to deal with the matter. Ive snet over 6 emails and letters to CEO. keeps munging my accounts. will not close wo payment ( extortion ).
repeatedly " updates '' to avoid penalties w the bureaus ( as do other companies ) yet there is no paper trail whatsoever sent to me.
was never late previously but reports as such and denies me credit because THEY CLAIM I was late. I had upright law firm on retainer. THEY COULDNT COLLECT ANYWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Navient Solutions, LLC.
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

This debt is not mine and I was given no evidence of this being valid.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. A

ccording to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: CA
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 i believe XXXX XXXX XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 i believe XXXX XXXX XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2017-09-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax failed to take appropriate measures to safeguard the data of 143 million accounts, putting my identity at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: MI
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:
My name is said to be one of the millions of people that had personal and financial information hacked, in the Equifax security breech 2017. If anything should happen to my financial information or credit because of this breech, I want XXXX to be held responsible and to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank # 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 2022-06-18
Company: Experian Information Solutions Inc.
State: CA
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 i believe XX/XX/XXXX XX/XX/XXXX account XXXX, XXXX, XXXX and other accounts from them have violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2017-09-10
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX/XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: AES/PHEAA
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already filed a complaint regarding FEDLOAN Servicing reporting my debt TO ALL 3 CREDIT BUREAUS as 180 days late when in fact it has NEVER been late, AND the account is closed. In response to my complaint, FEDLOAN changed the reporting status to the credit bureaus from 180 days late to 120 days late which is STILL ENTIRELY INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My information was part of the Equifax hack, and I am livid. I hope I receive some sort of monetary compensation for the risk this awful company so carelessly put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank # 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 explanation
Consumer complaint received 2017-09-10
Company: Experian Information Solutions Inc.
State: NE
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 have reported the fraudulent account with XXXX to the FTC and have attached the report to this complaint. I have also alerted XXXX that the account was the result of fraudulent activity. Experian is currently investigating this, however, pursuant of the Victim of Identity Theft clause of the FCRA ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I demand Experian block this fraudulent account from my credit file within the next 4 days. Experian is not handling this dispute properly and it is costing me a great deal of money. If left uncorrected, I will be forced to take legal action.

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 2017-09-10
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was originally under a workers comp claim XXXX of XXXX that was actually not approved so XXXX XXXX should have been billed under medical insurance but never was! Never received any info from original company either! Assumed everything was fine and would just receive a deductible amount to pay to them! They never issued to insurance carrier and I never knew or received correspondence from original doctor either! Two plus years later see on credit report that now is with collection agency for absurd amount that never should have been amount was if was properly sent through insurance! And this company is stating compounding interest too and shows start date with them is XXXX! I told them all this and they never got in touch with me and I have tried numerous times to contact and they wo n't do anything other then ask for amount. I do n't really care to much other then fact that effects credit and is only collection have that will honestly stay that way because I am not paying amount! Please just help me because really just hard working citizen trying to get life in order and doing quite well but this is dark cloud that ca n't seem to get fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
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: Information belongs to someone else

Complaint:
I have disputed the bankruptcy filing and submitted my FTC report to XXXX, they indicated they was removing the accounts ( Bankruptcy ) and it still appears on my credit report. I have attached a copy of there response regarding their investigation.

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