BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never seen this before, there is an account that is listed on my credit file that is unknown and inaccurate as I do not owe. Why wasn't I informed of this? Given the right to dispute? Provided validation? I need help this isn't right.

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 2017-04-20
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I know for a fact that this loan has been paid in full, because the payments were coming directly out of my paycheck from my employer. I did not send a direct payment into them, it actually was the  XXXX  loan I had with the company. When the money stopped coming from my paycheck, I automatically thought it was paid in full

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Investigation took more than 30 days

Complaint:
THERE ARE LATE PAYMENTS ON MY ACCOUNT THAT ARE NOT ACCURATE I NEVER MADE A LATE PAYMENT

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 2019-08-05
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2022-03-04
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I've been a customer of M & T bank since XX/XX/2007. At that time I used them as my primary banking. After some time I have spread out to other banks and accounts. Over the years, I would send funds to my M & T back account each month. I didn't use it as an active account but, I wanted to hold a balance with them. 

Recently, I was able to log in to my account and found out that each month they were taking a {$14.00} a month service fee from me for a service that I do no use. I spoke to customer service and they were able to refund just XXXX months but, said I have to go to the bank if I wanted to resolve it further. I went to the bank and the cashier wouldn't help me at all. She ended up changing my accout over to an account that doesn't have this fee as another period were money was taken out.She also had to change the phone number and address on file. 

I want my money back.

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 2018-06-16
Company: EQUIFAX, INC.
State: AL
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:
This should be sent to Equifax, XXXX, and XXXX  I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.

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 2022-08-31
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company has contacted a 3rd party and revealed personal information to said 3rd party breaking federal privacy policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with US Bank ( # XXXX ). 
I have always made my payments on time. 
In XX/XX/2022, the payment went up from {$2600.00} to {$2900.00}. I failed to adjust the automatic payment of XX/XX/2022 with the increase of {$300.00} for the escrow account. 
US Bank applied my payment of {$2600.00} to principal and cause the loan to be in default without immediately informing me that I should pay the additional amount of {$30000.00}. Notices were send weeks after the payment was made. 
Also US Bank charged me a late fee of {$11000.00}. 
When I found out I immediately called US Bank and the person I talked to reversed the transaction and collected my {$30000.00} over the phone and told me that the fee was waived. 
The late charge of {$11000.00} is still charged in my account and the Bank informed me that management refused to confirm the waiver. 
In my opinion this is unfair and shady behavior by US Bank probably created in order to charge excessive late fee 's. 
I have no doubt that the papers I signed when I took the mortgage are drafted such that I have legally no issue and that the Bank is never liable for anything. 
I am glad that we have the CFPB that protects clients against this type of behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: Innovate Managed Holdings, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2022 I paid the vehicle off and innovate owes me money for overpayment and paperwork related to my loan payoff. They continue to refuse to do anything they say they will do and have resorted to saying that they might find a way to make me owe more money instead of sending what they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: VA
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 personal information was exposed in the Equifax data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my Equifax, XXXX and XXXX credit report immediately. I would like for the XXXX credit account and XXXX credit builder loan from the following company XXXX XXXX XXXX removed from my Equifax, XXXX and XXXX credit reports. I also would like for the following company XXXX/XXXX XXXX  loan account to be removed from my XXXX, XXXX and Equifax credit report. All three accounts was fraudulently open without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 personal information was exposed in the XXXX data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my XXXX, TransUnion and XXXX credit report immediately. I would like for the XXXX credit account and XXXX credit builder loan from the following company XXXX XXXX XXXX removed from my XXXX, TransUnion and XXXX credit reports. I also would like for the following company XXXX XXXX loan account to be removed from my TransUnion, XXXX and XXXX credit report. All three accounts was fraudulently open without my consent.

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 2017-10-16
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Transworld Systems on behalf of XXXX XXXX XXXX has tried multiple times, via mailed invoices, to collect a debt of {$31.00}. The current amount Transworld claims I owe is {$36.00}, which includes a " collection fee '' of {$4.00} ''. This debt is not mine and I do n't know how it was attributed to me. I want to lodge a formal complaint that Transworld Systems is harassing me, attempting to collect funds from me for which they are not owed, and attempting to negatively affect my credit. 

I want to specify that this debt is not mine as : 1 ) I do n't have a XXXX account # ; 2 ) I do n't have budgetary signing authority at my company. 

I tried three times XXXX most recently on XXXX/XXXX/XXXX ) to call Transworld at the phone # on the invoice - XXXX - all three times I received a generic outgoing message that the " person at extension XXXX is unavailable, please leave your message after the tone ''. I want to verify that the mailbox number is not a typo - the message states that long string and does not refer to Transworld being the owner of the mailbox. 

To resolve this matter - I want XXXX and Transworld to send me a letter apologizing for and absolving me of this debt. Also in this letter I want verification that XXXX and Transworld have notified all three credit agencies that this debt is not mine and that it is struck from my credit reports. 

Thank you very much for investigating this claim, and I look forward to your reply XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
This complaint is not being filed by a 3rd party and is not a duplicate complaint. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have 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. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX Account # XXXX 7. Account Name : DPT EDXXXX Account # XXXX 8. Account Name : DPT EDXXXX Account # XXXX 9. Account Name : DP OF EDUC Account # XXXX 10. Account Name : DPT EDXXXX Account # XXXX 11. Account Name : DP OF EDUC Account # XXXX 12. Account Name : DPT EDXXXX Account # XXXX 13. Account Name : DP OF EDUC Account # XXXX 14. Account Name : DPT EDXXXX Account # XXXX 14. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX 15. Account Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 16. Account Name : DPT EDXXXX Account # XXXX 17. Account Name : DPT EDXXXX Account # XXXX 18. Account Name : DPT EDXXXX Account # XXXX 19. Account Name : XXXX Account # XXXX 20. Account Name : XXXX Account # XXXX 21. Account Name : XXXX Account # XXXX 22. Account Name : DPT EDXXXX Account # XXXX 23. Account Name : DPT EDXXXX Account # XXXX 24 Account Name : XXXX  XXXX  Account # XXXX 25. Account Name : DPT EDXXXX Account # XXXX 26. Account Name : DPT EDXXXX Account # XXXX 27. Account Name : XXXX Account # 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 2019-08-05
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i HAVE CALLED amex OVER 30+ TIMES, TO DISCUSS NON PAYMENT ON MY ACCOUNT OVER THE LAST FEW MONTHS. i WAS FIGHTING FOR MY LIFE IN XXXX, I HAVE ALL DOCUMENTATION TO SUPPORT THIS. EVERY TIME I CALL I CANT GET ANY HELP. I CALL AMEX DIRECTLY AS WELL AS THE CORPORATE OFFICE AT XXXX, i GET A RUDE XXXX ON THE PHONE NAME XXXX. REFUSES TO PROVIDE ANY HELP, LAUGHS AT ME. HOW AM I TO RESOLVE ANYTHING WITH YOUR COMPANY IF YOU WILL NOT TAKE MY CALLS BUT CALL ME HARASSING FOR PAYMENT. I TRY TO MAKE PAYMENT AND YOUR COMPANY WILL NOT ASSIST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a notification that my credit rating dropped five points. By this NTB/CBNA. I have never used or authorized this at all.

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 2021-06-04
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: 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 you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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: Investigation took more than 30 days

Complaint:
I submitted all proper documentation in reference to my Identity Theft claim on XX/XX/2020 ... and nothing has been done per FCRA section 605B in regards to identity theft. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts : XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX and XXXX XXXX  # XXXX have violated my rights. 

15 USC 1681 section 602a states that I have the right to privacy.

15 USC 1681 section 604a also states a consumer reporting agency can not furnish an account without my written instruction. 

Please delete these accounts from my 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 non-monetary relief
Consumer complaint received 2022-08-31
Company: AMERICAN EXPRESS COMPANY
State: MA
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 have paid in full Amex credit card back in XXXX, but it still shows as delinquent account in my credit report, and therefore, It has been affecting negatively my credit score since then. I have contacted the credit company to fix this error back in XXXX but until now this problem hasn't been resolved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo cashed a check with a forged signature, withdrew the money from my account and has failed repeatedly to accept responsibility for the fraudulent transaction and return the funds to my checking account. I have spent hours -- more than ten -- speaking to Wells Fargo representatives by telephone and on hold waiting for them, but no one is willing to resolve the issue. This has gone on for more than a month. I am issued one claim number after another, but half the time I call, the person I speak to ca n't find the number that was given to me. I ordered the check for {$670.00} through the XXXX software on my laptop, and the check was sent on paper by U.S. mail to the Post Office box of the company in Maine that invoiced me for a repair the company had performed. The owner of the company said she never received the check, but it was cashed with an individual 's signature that the owner could not identify. The check was made out to a company, but the endorsement did not bear the company 's name. A copy of the check supplied by the bank is attached to this complaint. Wells Fargo sent the company an affidavit, which the owner said she returned asserting she did not receive or cash the check. I believe Wells Fargo is legally responsible for cashing a check with a fraudulent endorsement and should have returned the money to my account weeks ago. When I try to track down my claim, I get referred to one department after another at the bank, from consumer services to fraud to online payments to XXXX, but no one accepts responsibility, and the issue never gets resolved.

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