BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Upon viewing my credit reports, Account Resolution Services is not only posting an account in the amount of {$590.00}, but they are posting it TWICE, making it look like there are two separate bills for the same amount. 

I demand to see an agreement with ARS 's client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. I want to see an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.

Moreover, Account Resolution Services did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not  be deleted within the required time allowed by law. 

I urge ARS to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Cyberattackers obtained my social security number, full name, address, driver 's license number, and credit card numbers. I verified through their system that I was one of the people affected. Equifax is charging me {$10.00} to freeze my credit. I would not like to pay  {$10.00} to save myself from their horrible mistake. Furthermore, in order to verify that you were affected, they require that you waive your right to be part of any class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
1. Equifax was hacked mid 2017 and did not properly secure confidential information for over 143 million Americans.
2. Management found out the issue and dumped stock prior to disclosing the hack. 

3. A poorly created website was set up to " help '' people who could be affected by this hack. However, as this website it not connected to their servers it is easy copied and turned into phishing sites which will compromise even more people. The website also attempts to squeeze out of arbitration through " implied consent '' through use of the provided XXXX XXXX coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My identity may have been compromised in the Equifax hacking. This is incredibly concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$5100.00} into my checking account on wed XX/XX/2021. My bank put a hold on the funds from wed XX/XX/2021 until XX/XX/2021. The bank is fifth third bank the check was from XXXX bank. I talked to a branch manager at fifth third bank to try and get hold taken off. The person that issued the check to me explained that the funds were taken out of there account and the bank told them the hold is on fifth third. The branch manger at the XXXX indiana branch said the check was not verified. So they said they could fix it by speaking to the bank that issued the check that the funds were released. I was then told that they still could not take the hold off even though the funds were made available to fifth third. I am being targeted because i have had over drafts on the account. The only reason for over drafts was because fifth third keeps putting hold on the account. This is the only money i have in the world. I have kids and im in desperate need of the funds for fear im going to be kicked out in the middle of winter from my home. I explained thos to the bank and they said there is nothing they can do even though the funds were released to fifth third already. Im begging anyone to help me form being bullied because i have financial problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NV
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 was a victim of the 2017 Equifax breach that they knowingly withheld from the public for months while their stockholders could prepare for the fallout from this news.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
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:
I was part of the Equifax data breach and I do not feel as if there response is strong enough given the amount of information that was breached. 

They are also trying to trick users into giving up their class-action rights with the TOS on their Identity Monitoring product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
I have an account that is reporting wrong and incorrect information. Unfortunately, and too much dismay, I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account is from XXXX XXXX with the account number XXXX is reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment TransUnion is BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account immediately. 1. XXXX XXXX with the account number 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 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
BANK OF AMERICA REFUSES TO PAY ME FOR A FRAUDULENT CASE THAT WAs found to be closed in my favor.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
THIS ORGANIZATION REPORTED LATE PAYMENTS ON XXXX AND XX/XX/2021 ON MY CONSUMER REPORT. THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING LATE PAYMENTS AGAINST MY CONSUMER REPORT. 

REPORTING LATE PAYMENTS CONSTITUTES TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT.

THIS ORGANIZATION ALSO HAD NO PERMISSIBLE PURPOSE TO FURNISH LATE PAYMENTS ON MY CREDIT REPORT BECAUSE I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT PER 15 USC 1681b ( a ) ( 2 ).

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 2017-04-12
Company: Synovus Bank
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
I have an account that is reporting wrong and incorrect information. Unfortunately, and too much dismay, I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account is from XXXX XXXX with the account number XXXX is reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX is BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account immediately. 1. XXXX XXXX with the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In 2019, I unfortunately filed for XXXX XXXX bankruptcy. This was the result of a XXXX  I had, which made me incur more debt load, in addition to an inability to generate savings at that time. I did reaffirm my MORTGAGE ( MRTG ) with US Bank, but was told an internal memo prohibited reporting of MRTGs that have been included in the bankruptcy. This was news to me, as my lawyer assured me it would be reported. 

My MRTG is a Federal Housing Administration ( FHA ) loan, so is there any recourse that I have here? I find it a little concerning that a bank drafts an internal memo that the public can not see or is not made aware of, especially when it impacts the customer 's account ( s ). Additionally, I can not access the MRTG payment side of the online banking, which isnt a big deal entirely ; however, it does make my MRTG payment late by 5 or so days since I am forced to transfer the funds from XXXX  or write and deposit a check electronically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CITIBANK, N.A.
State: NM
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:
sears.com refuses to credit full amount for their 30-day Price Protection original purchase on XX/XX/XXXX {$1000.00} price on XX/XX/XXXX {$870.00} credit to date of {$120.00} leaving an amount due of {$32.00}

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 monetary relief
Consumer complaint received 2022-07-13
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have all my mortgage payments, made, up to date, I have no delays. The mortgage company Caliber Home Loan wants to refinance me for XXXX  years. I do not agree because I have complied with the payments, without a day late, since I bought my property. This company changed its online system and had many problems in addition to mishandling customers. 
Since XX/XX/2021 I do not have access to the mortgage account, I do not know how much I have paid, I do not know how much I owe, I could not get the loan information to do my taxes, it did not allow me to make the payments on said page ( my account online ). The customer service agents had different information on the same account. Said by themselves, they had a lot of problems with their online page and with customers. Quite a big deal. For now, you want to affect your customers. 
Until now, I have made all the corresponding payments and additional payments that have been requested ( because I do not have access to the loan ), however, it has not helped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX XXXX. Its been over XXXX  months since I sent a letter to yall about severals on my report. I have been waiting for your response since I sent my dispute letter on XX/XX/2022, but it seems my letter has been ignored I am not sure if it has something to do with my race, but I was told by a financial expert that I can file a complaint on several agencies should you continue to ignore my letters. I'll be waiting for XXXX  days from now to see if there will be any changes and will take my next step after that. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My personal information was part of a data breach which occurred at Equifax on XXXX XXXX 2017. I believe that my data was improperly stored and now face potential identity theft due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
During the COVID-19 pandemic there have clearly been increases in online purchases particularly amazon.com. I have been granted a low limit secured credit card which has remained in good standing since inception which is well over 6 months is not a year. However, this low limit has forced me to make multiple payments toward the account and regardless which method of payment is used by me toward the secured amazon.com store card a hold of funds is ALWAYS placed. I have used secured electronic bill-pay through my bank 's online banking service which no other credit lender holds, yet Synchrony fail to see even this form of payment as non-guaranteed. I can understand by Walmart made the business decision to leave this bank as their store card provider. 

In the past, without exception Synchrony customer service has been able to release the payment hold. I am assuming the fact that I continue to use to the same payment method directly via their website using my bank 's ACH information and no returned payment history have allowed this " policy '' exception. I have never had to ask for a payment 's funds be requested until recently with the coronavirus situation and forced increased online purchasing.

Most recently, I had to make another call to Synchrony and ask for another payment hold be released but this request was  declined without reason. Even after attempting escalation with a " supervisor, '' the request was still declined. I was put in a compromising financial position due to these factors and my life was potentially in danger based on the purchase required. It feels unfair and deceptive to cardholders that there are no clear terms set with regards to potential payment holds and how to avoid them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
Found out this morning I was on the list of people compromised by Equifax 's major error. They hung up on me when I called customer support. They also tried to charge me {$5.00} for freezing my credit score when they lost it in the first place. They also did not inform me for more than 30 days that my score was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In spite of my disputes directly with XXXX, XXXX and TransUnion, they have all failed to update my respective credit files with respect to my XXXX account since the end of XX/XX/2022. This has adversely impacting my credit profile and thus my financial health. Further this failure to update my XXXX account is in violation of the Fair Credit Reporting Act, which legally obliges credit providers as well as credit reporters to make prompt regular monthly reports with fail!

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 2022-02-16
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call none stop stating I owe the 16,000 and desist has been issued

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief