BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
******THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX   XXXX/XXXX/XXXX 2.XXXXXX/XX/XXXX3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX 12. XX/XX/XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to in network XXXX XXXX XXXX Hospital on XXXX of 2018 for an XXXX  XXXX of a suspected XXXX  or XXXX XXXX. They determined it was only XXXX, I paid my XXXX deductible, and went on my way. A month later I get a bill for XXXX from XXXX XXXX, the doctor that saw me on my ER visit. The bill from the hospital was covered by my insurance company, XXXX XXXX. The Bill from the Doctor was not, I called the hospital, they said there's nothing they can do, I have to dispute it with my Insurance company. I did just that, with no results. They told me the doctor was an " out of network doctor '' well that's fine but I went to an Emergency room, I didn't make a doctors appointment. Doctors absolutely should not be billing patients in the ER. So the short of it is, I went to an in network hospital, but I was seen by an out of network doctor whom I did not choose, I only went to the ER to get an XXXX. Now I'm getting called by Bay Area Credit Services everday bc they sent the bill to collections. 
5 parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bay Area Credit Service Me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Millco Management
State: NC
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 successfully disputed this account and had it removed from my credit files. It recently showed up again on both my XXXX and XXXX credit reports XX/XX/2019 with no notification to me. 

Its using 2 company names XXXX and Amerifinancial Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: FIRST ADVANTAGE CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First Advantage supplied my potential employer with my background check. The dates searched on my background check were from XX/XX/XXXX-XX/XX/XXXX, however a charge from XX/XX/XXXX showed up. I live in Colorado where the law limits these background checks to 7 years. The charge is from 8+ years ago. I disputed the charge, was told the investigation could take up to 28 days, and was never notified of the results from the investigation. A couple of days later I got an email from the employer stating that First Advantage researched the error and decided that the records reported were accurate ; no change to my report occurred. When I contacted First Advantage to get an explanation, I was told that XXXX requires them to provide ALL information they find, regardless of when it occurred. I explained that the state of Colorado has a 7 year limit and was told that it doesn't matter, First Advantage has to include ALL info no matter what. I was denied a job over a XXXX XXXX ( on a scale of 1 being the worst to 5 being the least severe ) from back when I was in XXXX XXXX  because I didn't self report on a charge that the employer shouldn't have even seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After contacting XXXX, XXXX and Experian customer service by phone, I was told to submit the enclosed complaint. I also would like to remind you that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. I know that my information is being used to mislead, open, charge funds, inquire and whatever else, without my permission. I need these items removed immediately. Both the accounts and the inquiries. 
I demanded to see Verifiable Proof, whether electronic or wet signature, of what they have on file of the account and inquiries. They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove. There is bankruptcy showing up on my credit report. This is false information as this bankruptcy does not exist.

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 2019-10-16
Company: Navient Solutions, LLC.
State: NJ
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:
Navient Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 

They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1XXXX XXXX XXXX has violated my rights 2XXXX XXXX 15 U.S.C 1681 section 602A. states that i have the right to privacy.

15 U.S.C 1681 section 604A. section 2 also states that a consumer reporting agency can not funish an account without my written notice or instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1-XXXXXXXX XXXX XXXX has violated my rights 2-XXXX XXXX 15 U.S.C 1681 section 602A. states that i have the right to privacy.

15 U.S.C 1681 section 604A. section 2 also states that a consumer reporting agency can not funish an account without my written notice or instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2019-10-16
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 

They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: PENTAGON FEDERAL CREDIT UNION
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:
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in XXXX at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pentagon Federal Credit Union ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.

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 2021-07-13
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021 I block my password in my Coinbase account, I send an email and the company respond on XX/XX/XXXX under case # XXXX saying that they will work on my case to reset my password and make a follow-up as soon as they have an update. After that nobody contacted me, I called several times to Coinbase phone number XXXX XXXX and they don't give options to talk to a customer service or support. After that they send me an email with the instructions to reset my password to access to my account and doesn't work either. On the XXXX of XXXX they send me a new email saying that they send my case to an specialist who is reviewing my case ...??? until when nobody knows??? and until today nothing happens. I'll send several email with my complete name and cell number, information about my account, etc and until today nothing happens at all. I just want to access my account to check my XXXX and it is impossible with these people. I'm really frustrated, Thank you very much in advance,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-02
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Apparently in XX/XX/2019 SunTrust raised their minimum daily balance requirement on Signature Checking from {$2500.00} to a whopping {$25000.00} without notice. Beginning on XX/XX/19 they have been deducting a monthly fee of {$25.00} even though my balance has never dropped below {$3000.00} and I continue to maintain my mortgage there. They made this change without notice and I only discovered this when I reviewed the surprising deductions that had been made.

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 2022-06-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Received a letter in the mail from Citizens Bank stating the account I opened was over drawn extremely and I never opened an account with their bank. I reported this issue to them who referred me to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1-XXXXXXXX XXXX XXXX  has violated my rights 2-XXXX XXXX 15 U.S.C 1681 section 602A. states that i have the right to privacy.

15 U.S.C 1681 section 604A. section 2 also states that a consumer reporting agency can not funish an account without my written notice or instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2017-06-07
Company: Colony Brands, Inc.
State: LA
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   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all  XXXX  credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that   XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX   has violate the FCRA. I have also submitted request to all   XXXX   credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or  XXXX  nor myself ... however its still reporting on all  XXXX  of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
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Thank You

Company response to consumer: Untimely response
Consumer complaint received 2019-11-18
Company: ACIMA CREDIT, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX I made this " purchase, rent '' of 2 mattress in XXXX, XXXX XXXX XXXX XXXX XXXX, for the amount of {$860.00} with a down payment of {$53.00}, later on I made a phone call to the company ( ACIMA ) making a plan of liquidate the purchase in 3 months to pay early in order not to get interest. First off all in that phone call no one specified me that if I miss a payment I would be place in a new contract with this tremendous inhuman interest rate. Well, without letting me know they subtract from my Visa Card my first payment of {$280.00} on XX/XX/XXXX, on XX/XX/XXXX they subtract the second payment of {$280.00} out of 3 payments agreed, when they try to collect the third payment again without letting me know, the credit card company where I was making payments with, reduced my credit line and I had no notice of that, leaving the third payment without enough founds to cover. ACIMA did not have the courtesy of notify me immediately, I would of find another payment method to cover this final payment. I try to make this final payment as agreed but they did not accept and now they are charging me a total of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX BANK XXXX has violated my rights XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXXXXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I sold a rental property and closed XX/XX/XXXX of 2022. The bank 's yield maintenance fee was 3 times the amount I anticipated. I emailed my rep and asked her why this amount of {$36000.00}. In our emails it became apparent the bank was using 10 years to figure out my yield maintenance fee rather than 5 years which I always had believed. I had approximately one year left for the 5 year anniversary. She told me the numbers were correct after providing some calculations. When I read the mortgage note I found the wording vague confusing and convoluted and tailored for the bank 's advantage. They charged me XXXX on a loan of {$240000.00} with a balance of {$220000.00}

Company response to consumer: Closed with monetary relief