BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX checking my credit report I noticed that their are multiple accounts I dont recognize And multiple accounts listed for {$63.00} that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Professional Claims Bureau, Inc.
State: NY
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 contacted the company " Professional claims bureau, LLC '' on 3 separate occasions, XX/XX/2023, XX/XX/2023 and XX/XX/2023 to inform them the doctor never explained there was a copay. When I asked the doctor office, they repeatedly told me no co pay was due and my insurance covered my physical therapy visits. They have not contacted me back and continue to send harassing mail demanding their payment. The doctor 's office should be held liable, which I explained in the email. Yet, on three separate occasions, I have not heard back from PCB. Please have PCB stop sending me harassing mail and investigate the matter with the doctor 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: LEXISNEXIS
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:
ACCOUNT IS A PART OF AGGRVATED IDENITY THEFT. I DID NOT APPROVE OR AUTHORIZED THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: AmeriCollect
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:
I did a dispute to have the Ameircollect debt in the amount of XXXX removed from my credit report in XXXX of XXXX. It was removed from one credit bureau but not the other two. I disputed this again in XXXX of XXXX, but they have failed to remove it. This reporting is a violation of my privacy and violates HIPAA law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NC XXXX 5. The following personal information is incorrect Employers : XXXX XXXX XXXX 6. The following personal information is incorrect Employers : XXXX XXXX XXXX 7. The inquiry was not authorized EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX XXXX. 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The XXXX XXXX XXXX is incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 14. The following personal information is incorrect Employers : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
Nordstrom Card Services ( " Nordstrom '' ) engaged in aggressive behavior which greatly impacted my credit score preventing me from obtaining a favorable interest rate. In preparation of obtaining a car loan, I issued a payment for {$7500.00} to pay off the card on XX/XX/2023. My credit limit was {$7900.00}. On or about XX/XX/2033, I made a purchase on {$710.00} on the credit card. Without any warning or valid reason, Nordstrom reduced my credit limit to {$800.00}. This immediately impacted by credit score since it showed a maxed out credit card on my report. I immediately paid off the card for {$710.00} near the same time. After multiple calls, my credit report still has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-27
Company: Bread Financial Holdings, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased hearing aid services through Comenity Capital Bank 's XXXX on XX/XX/XXXX. We returned the XXXX XXXX and received a credit for most of what was owed, but had a balance of a few hundred dollars. On XX/XX/XXXX, I paid the balance on the account of {$120.00} online, which was due on XX/XX/XXXX. We assumed the account was paid and closed the account. On the back of the statement, it states if you pay the balance owed, there will be no further charges. 

We received a statement dated XX/XX/XXXX showing our payment of {$120.00} received but the statement showed a minimum finance charge of {$2.00} owed. My wife ( XXXX XXXX ) called customer service to question the charge but they would not talk to her because the account was opened under my name ( XXXX XXXX ). 

We received another statement XX/XX/XXXX charging, {$2.00} late fee, {$2.00} minimum interest charge and the {$2.00} balance from XXXX for a total of {$6.00} now due. I sent a certified letter on XX/XX/XXXX to request correction on the account, stating we had paid the balance in XX/XX/XXXX. I received a letter from Comenity Capital Bank dated XX/XX/XXXX stating they reviewed my claim and were researching it. They noted to allow 90 days to complete their investigation. 

I have continued to receive monthly statements with increasing fees and interest added. On XX/XX/XXXX, I sent an email through their Secure Message Center on their website, asking for a response and why I was still getting charged for an account that was paid off on XX/XX/XXXX. I received an email back on XX/XX/XXXX stating they saw a dispute filed on XX/XX/XXXX and it would take up to 90 days to complete the resolution. 

After receiving yet another statement dated XX/XX/XXXX, with more fees and interest, for a total now owed of {$99.00}, I sent another certified letter on XX/XX/XXXX asking for a resolution. It was now 120 days since my initial letter was sent on XX/XX/XXXX. I have had no response as yet and the account still shows a balance of {$99.00}. 

I have also found out that they are reporting my account as delinquent to credit bureaus. I do not see that they have noted the balance as disputed. At XXXX XXXX XXXX, this has caused me great aggavation and distress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: Tri-State Adjustments, Inc.
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 have attempted to rectify this debt with this company by through written communication by letter sent certified return receipt. The initial letter was sent to Tri-State Adjustments after reviewing my credit report and finding this company listed with a collection on my credit report. I sent a letter demanding they verify debt on XX/XX/2023. At which time, the collection agency sent a one page itemized bill not inclusive of any of the verifications I requested. on XX/XX/2023 I sent a second written letter certified return receipt informing them that they were in violation of my the no surprises act and to delete this account from the credit report. this account has yet to be deleted. I am asking for your assistance in holding this collection company accountable and demand that this account be deleted from my credit report ( XXXX, XXXX, and XXXX ). Attached you will find the documentation of the above mentioned correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an 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 2023-03-27
Company: EQUIFAX, INC.
State: NC
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:
XXXX  - XX/XX/2023 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: W&A Intermediate Co., LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reconstructed events and discovered triple-billing, insurance fraud, elder fraud, and XXXX fraud by XXXX XXXX XXXX XXXX ( And possibly XXXX XXXX and Wakefield and Associates. ) See attached. This is more complete information and supersedes complaint XXXX and XXXX. XXXX XXXX billed XXXX XXXX the full amount of the ambulance bill, of {$940.00}. XXXX paid according to its structure on XX/XX/2023. ( See claim XXXX attached. ) XXXX XXXX then billed me for the copay of {$270.00}. I applied for its financial aid to cover the copay. ( Have my copy of the documents sent, dated XX/XX/2023. ) XXXX XXXX did not bill me further for the copay. Several months later, approximately XXXX, XXXX XXXX harassed me by phone for more bank statements " because we couldn't read them ''. It demanded more statements and demanded that they include every transaction. I have applied for financial aid from housing, food stamps, colleges, hospitals, and utility assistance for XXXX  years, and NONE of them ever demanded every transaction, but merely documentation of income and account balances. ( Which I had sent. ) I didn't send them, and XXXX XXXX did not bill me further for my copay. Apparently XXXX XXXX also double-billed the full bill it had sent to XXXX XXXX XXXX for that is the amount the wakefield and Associat4es collection letter dated XX/XX/2023 says " amount you originally owed : {$940.00} ''. This is fraudulent on the part of XXXX XXXX XXXX  : ( XXXX ) I never " originally owed '' the full amount ; ( XXXX ) it billed XXXX XXXX for that amount ; ( XXXX ) it then billed that amount by sending/selling it to a collection agency. This is insurance fraud, double billing, triple-billing counting Regence, collection and the copay ( though I got charity care with some harassment for more bank statements ) ; elder fraud, and XXXX fraud . XXXX XXXX, and then Wakefield, both in the same building, took part in this triple-billing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Multiple accounts were opened in my name without my knowledge. 
I am writing to dispute the accuracy of information contained in my credit report with regards to the accounts of Capital One and XXXX XXXX. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am informing you that these accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The sections mentioned in my letter clearly state that I have the right to privacy and that a consumer reporting agency can not furnish a account without my written instructions. 
Furthermore, the FCRA states that no consumer reporting agency may make any consumer report containing any adverse information that antedates the report by more than seven years ( 15 U.S.C 1681c. ( a ) ( 5 ) ). Additionally, it is stated that 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 ( 15 U.S.C. 1681s-2 ( A ) ( 1 ) ). 
I am requesting the following information related to these accounts : 1.The name of the original creditor and the account number 2.The amount of the debt currently being reported 3.Proof that I am legally responsible for this debt, such as a signed contract or loan agreement 4.Proof that you are the current owner of the debt, such as a valid chain of assignment 5.A detailed breakdown of the charges and fees included in the debt amount 6.Agent ID of Agent verifying this inaccurate information Please note that I am making a formal request for an investigation into these accounts under the FCRA and I expect a prompt resolution of this matter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion just closed their response to this complaint, but never resolved the issue. I just tried to get my credit report again, and I got the same response ( attached ). Their response says : We have reviewed your complaint along with the information you previously provided regarding this issue. Due to a system issue, your credit report was previously unavailable online ; however, the issue has been resolved. Consumers are entitled to one free annual credit report in a 12-month period. Reports are ordered online through www.annualcreditreport.com. Personal information is gathered and provided to the credit bureau. Once consumers are forwarded over to the TransUnion website, we do offer different credit monitoring products to consumers who would like to manage their credit report. The products are offers and are not intended to prevent consumers from obtaining their FACT Act Free Disclosure. There are certain conditions under which online credit file access may not be available for security purposes. Under these circumstances, however, you may typically obtain your credit report via telephone or mail. If you are having trouble ordering your credit report online through annualcreditreport.com, please contact them directly by mail at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  GA XXXX or by phone at XXXX. Please be advised, if you are still eligible for a FACT ACT consumer disclosure you may attempt another online request. In order to protect your privacy, we have mailed a copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any additional questions, please do not hesitate to call our Customer Service call center toll-free at XXXX XXXX XXXX XXXX Monday-Friday, XXXX XXXX XXXX XXXX XXXX ET or Saturday-Sunday, XXXX XXXX XXXX XXXX XXXX ET. For more information, please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.

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 2015-09-22
Company: The Shindler Law Firm
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
COLLECTION AGENCIES KEPT CALLING AND TRYING TO SKIP TRACE MY BROTHER ETC IN VIOLATION OF FCRA, FDCPA, TCPA

Company response to consumer: Untimely response
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX date reported to Experian credit reporting XX/XX/XXXX. 
I filed a dispute according to the law it states that any related medical debt under {$500.00} not be reported to any credit monitoring company. The total amount reported by above said company is {$250.00} Experian blindly ignored this law that took affect XX/XX/XXXX that I pointed out and also was inacted XXXX. Above said company reported it in XXXX. After I filed a dispute and pointed this law out XXXX choose to ignore it which is now hindering my credit score.

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 2023-08-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I reaffirmed an auto loan with Wells Fargo XXXX XXXX after filling XXXXXXXX XXXX in XX/XX/XXXX. I continued making all of the loan payments on time every month. However, Wells Fargo still removed my auto loan from my credit report and said they would report the loan again to the bureaus once it was paid off. 

I paid off the loan a year ago in XX/XX/XXXX and submitted a request to have the tradeline added back. Wells Fargo sent me a letter which states that they " asked '' the bureaus to add the tradeline back. However, that doesn't seem to be true. I've followed up several times with Wells Fargo and the three main credit bureaus. Wells Fargo tells me they reported the loan but all three main credit bureaus tell me they haven't received any communication from WF Dealer Services on my behalf. 

In XX/XX/XXXX I decided to check my XXXX report and found an old WF Dealer Service record which was missing data from XX/XX/XXXX through XX/XX/XXXX. So I submitted a dispute through XXXX on XX/XX/XXXX to have the missing months updated. Then the record disappeared entirely. I called XXXX and spoke with an agent who said Wells Fargo 's response to the dispute was to delete the record entirely. 

I'm baffled at why Wells Fargo would tell me they've tried to add the tradeline back and then also delete the only record remaining. 

I've been dealing with this issue for 11 months and I'm getting no where. I'm desperately trying to improve my XXXX XXXX and I really need this loan to be reported on my credit history. 

XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Record was deleted by Wells Fargo on XX/XX/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 2023-03-27
Company: Netspend Corporation
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Somebody toke money out my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation