BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ARS co llection agency.  First appeare d on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to  XXXX ,  XXXX  and  XXXX . All  XXXX  agencies removed the listings. Fast forward  two years la ter, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with  XXXX ,  XXXX  and  XXXX .  Again sent request to validate the debt - tracked of course though the USPS. They again failed to valid ate the debt. Still not removed from  XXXX ,  XXXX  and  XXXX . I do n't recognize the account and they did not send validation of the debt.     They 've now responded to my complaint via the cfpb only - I still have never received validation. They did not send it. I realize they say they 'sent validation ' yet validation was never received. I have my receipts showing they received my correspondence.     In addition, I was a N YS  XXXX  and   XXXX   XXXX   pa tient during the time period in question I think. Given that first "  XXXX   XXXX   XXXX  '' never sent me a bill and the n ARS has never sent me the information, and I have repeatedly asked for validation in an original itemized state ment through cfpb. If this was through   XXXX   hospital, they can not bill me because they failed to file or get paid by  XXXX . I am not personally liable.   XXXX   hospital has a contract with NYS  XXXX . They are acting in violation of their contract and NYS/Federal law. SO AGAIN please send me the itemized original statements so I can follow up with who I need to in  XXXX .     I request to see any signature pages where I agreed to pay this. In addition I had  XXXX  and  XXXX   XXXX  during the accused dates of services. I gave them the information. You can not legally bill a patient who has  XXXX  as "  XXXX   Hospital  '' as this response says, if they did not do their job at billing by submitting the claims to  XXXX . They are in a contract with  XXXX  as well as the  XXXX   XXXX  's. I believe they do not have the documents to support this accusation of debt, and since it all was covered by  XXXX  /  XXXX   XXXX  they have to write this off, they can not bill me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Had Capital One card close to 2 years. Paid excellent and enjoyed the service and card. Then in XXXX they charged a {$39.00} annual fee. On a no fee advertised card. I immediately closed my account. I think I am not the only consumer that they do this to and the recover millions by people who either don't notice the annual fee charge and just pay it. XXXX XXXX Annual Fee:0 Credit Level XXXX {$3800.00} 0 % intro APR for 15 months ; 14.99 % - 24.99 % variable APR after that 0 % intro APR for 15 months ; 14.99 % - 24.99 % variable APR after that ; 3 % fee on the amounts transferred within the first 15 months {$0.00} EXCELLENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, 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:
Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXXaccount # XXXX ( appearing three times ) and XXXXXXXX XXXX XXXXXXXX account XXXX XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I delivered a certified letter to Equifax on XX/XX/2022 disputing fraudulent inquiries. Equifax sent a letter dated on XX/XX/2022 stating that they were going to keep the inquiries on my consumer report. I also had fraudulent inquiries reporting to XXXX. However, XXXX deleted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in XXXX 2021.

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 2021-07-22
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage on XX/XX/XXXX and received a confirmation of the payment as well as a letter of payment. On XX/XX/XXXX an agent called me late at night to tell me that they never process the payment and that I would have to make the payment over again. Due to my fix income I had to borrow the money to make my payment which was supposed to be handled by the mortgage company. By this unprofessional treatment I feel that this finance company wants to force me into foreclosure. Now I have to find a way to make my next month payment to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: NC
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:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX  balance {$0.00} account # XXXX 30 days late in XX/XX/2021, and XXXX 2021.

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 2022-05-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX  ) # XXXX, ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ) # XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ) # XXXXXXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX 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

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 2022-01-24
Company: EQUIFAX, INC.
State: WA
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:
To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: AMERICAN EXPRESS COMPANY
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 XXXX account # XXXX has violated my rights. 

15 USC 1861 Section 602 States I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also StateXXXX that 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I attempted to transfer funds from one account to another account which showed low funds for a transaction for a pending transaction. Several attempts and system would not let me make a transfer to cover transaction, so I XXXX money from one of my accounts to this account with low funds. The next day I check my account and there is an overdraft fee and my XXXX funds are showing pending which they never do, my funds always go in effect immediately after transfer. At the time of transfer there was no overdraft fee showing or pending. BOA is Fraud and I will be closing all of my accounts.

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 2022-05-04
Company: EQUIFAX, INC.
State: NC
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:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX balance {$0.00} account # XXXX 30 days late in XXXX XXXX, 60 days late in XX/XX/2021, and 30 days late in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting to investigate and remove all account which I listed in Identity Theft because I was victim and somebody stole my personal information. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX, XX/XX/XXXX, I received an email from a company identified as Cedar Business Services, LLC ( CBS ) stating they wanted to " help me ( sic ) with a past due payment of {$180000.00} with XXXX XXXX ( XXXX ). As you know, this amount is in collections. '' I immediately responded with a certified letter, asking for more details because I did not recognize the debt and CBS was a 3rd party handling the collections. I requested CBS to provide specific and basic information for Debt Validation, such as 1 ) assignment from the original creditor XXXX to CBS, 2 ) the original debt and full breakdown, 3 ) any payments made, 4 ) any payments made by credit card insurance ( if any ), 5 ) the date of charge off, 6 ) the currency exchange from XXXX XXXX XXXX XXXX XXXX to US dollars USD, etc. I also asked that CBS give these details in a timely manner and provided them a 30-day courtesy period. 

CBS responded 36-days after receipt ( verified by post marks & certified receipts ),  with a letter that did not address any of the Debt Validation questions, they only reasserted that they were working on behalf of their Client for special handling. They provided phone numbers for me to contact them and a summarized breakdown of the balance owned in USD even though their client ( XXXX ) is a foreign entity. CBS failed to provide the monetary conversion or explain how they reached the USD amount. As well, within the breakdown, CBS identified the total debt was a Principal balance, with no interest, fees, legal fees, or other amounts paid. 

Attached with the CBS letter were 3-credit card statements from XXXX dating from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Each statement was only in AED and each statement clearly had the debt increasing due to assessments, fees and finance charges. The statements also showed that these charges exponentially grew. 

I only acknowledge that I lived in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and I do not recognize this debt and I will not acknowledge any 3rd party entity that doesn't provide basic Debt Validation verification. 

Also, because CBS is a XXXX debt collection company, coupled with the dates I left XXXX, I believe CBS does not have any standing based on XXXX XXXX  4-year Statute of Limitations on open-ended accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.

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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not consent nor authorize any person nor company to benefit from my credit. The account listed below is a result of identity theft. 

Account name Account number XXXXXXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Issues : 1. Fraudulent equipment/Fraudulent warranty sold by XXXX/XXXX  using XXXX XXXX as XXXX XXXX XXXX. 

2. Bad faith treatment by Capital one in handling of Fraud charge. 



TIMELINE : XX/XX/2018 Purchased 2 XXXX XXXX computer servers from XXXX for {$3100.00}. 
Paid an extra {$200.00} itemized XXXX  processing fee for the fraud protection the credit card afforded me. Received no invoice or receipt from Merchant, they gave me a tracking number via the website. 

XX/XX/2018 - Received 2 - unmarked servers with no visual markings that they were what I had ordered. ( see photo XXXX. ) They worked at the time so I didnt make an issue of it. 

XX/XX/2018 - Machines shut down suddenly. After rebooting them, they overheat ( 100+ Celsius ), which is dangerous, previously they ran around 80 Celsius. I contacted XXXX/XXXX and received no response. 

XX/XX/2018 - Tried reaching XXXX/XXXX to no success. Upon closer inspection of the units it is discovered that the processing chips are actually old Bitmain ( a competitors ) XXXX cards. So the units that we bought not only dont work, they were stolen from a competitor and purported to be original. 

XX/XX/2018 - Finally received word back from XXXX/XXXX. They claim that they have no record of a purchase by me and therefore will not honor the warranty. Furthermore they claim that they never accepted credit cards. Since they were clearly misrepresenting themselves with my purchase and a trail of Credit Card details on their XXXX page, I filed a dispute with Capital One. 

XXXX - Capital one begins dispute process and removes charge from card. 

XX/XX/2018 - Capital one denies charge, fails to acknowledge fraud claim and misrepresentation by the merchant, supplies an illegible processing form from XXXX. They also claim that they spoke to the merchant, which they in fact did not. They only spoke to the intermediary bank. They ask for follow up documentation which I provide. 


XX/XX/2018 - Capital one denies the claim, doesnt acknowledge fraud and misleading representation by the merchant. They ignore the black and white fraud that the merchant is committing. 


At this point Capital One is acting in bad faith. They havent contacted the merchant, yet have said that they have done so, but in black in white there is no response from the merchant, only the banking intermediary. 

XX/XX/2018 - I submitted the case to the CFPB in hopes that they can get this issue resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-23
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: IL
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 did not consent nor authorize any person nor company to benefit from my credit. The account listed below is a result of identity theft. 

Account name Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief