BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: EQUIFAX, 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:
XX/XX/XXXX    I sent a certified letter requesting disputing hard inquiries found on my credit report. Equifax responded by placing a fraud alert on my account but provided no validation.   XXXX    XX/XX/XXXX  I  sent a certified letter requesting validation for the hard inquiries and received a letter stating these inquiries have been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I mailed in a credit investigation request to the credit bureaus. By law, they are required to complete their investigations and respond with the result, within 30 days. As of today ( XX/XX/XXXX ), I have yet to receive my credit investigation results.

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 2019-11-21
Company: Finance System of Richmond, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RADIOLOGY AND XXXX  XXXX  HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE. 

DELETE AND REMOVE. DO NOT SELL, TRANSFER, SELL OR RE-REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint for attempts to collect fees paid at time of rendering services by XXXX XXXX XXXX XXXX XXXX. ( several years of attempts! ) After being bombarded with collection agency notices for five separate {$30.00} fees from nearly a decade ago ( total {$150.00} - {$180.00} ), I contacted the company and told them these fees / debt was paid at the time of services being rendered. The attempts to collect increased as they did not even attempt to appear to verify my assertions that these were paid at time of rendering. The attempts by XXXX, a debt collection agency, increased and now phone calls were added. I dug through my old records and found the appropriate records of these payments. I next contacted the medical facility were the services were given and fees paid for by myself. This required over an hour of digging through records, organizing them and contacting the provider, XXXX XXXX XXXX XXXX XXXX ( now operating as XXXX XXXX ) spending nearly a quarter hour with them and their many, many phone transfers, delays and more as they tried to find someone who would address my situation. I was able to eventually speak to someone in accounts that had relevance to my collection harassment basis. I cleared up the matter and emailed/faxed copies of my payment receipts from the dates noted for " collection. '' They agreed these records show the payments their records failed to reflect. Their records were flawed, not my payments. Fortunately, I keep records or I would have no evidence of payment. Their collection attempts began again in a most harassing manner. I have had to put several hours into dealing with their incompetency in record keeping and the average person would have to pay them again and again for the same debt. They appear to use old debts that are difficult to validate payments and insists they have not been paid. Their repeated efforts, even after proven paid, indicates a nefarious behavior on the part of the collection agency, or worse, or a callous indifference to the public at the least. Their incompetency has cost my several thousand dollars in lost time, and untold costs for their repeated efforts based on incompetent records, all of which hyper inflates health care cost in this microcosm, multiplied nationally and were talking $ billions and hundreds of thousand son people losing time, personal or productive, It is their time, it is my time. <P/>When a company continues to harass a patient for fees long paid, something is terribly wrong with the administration all the way to the proles blindly making debt assertions, damaging the public and the individual, this time it is me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: NY
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.

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 explanation
Consumer complaint received 2022-06-09
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had been promised immediate treatment if I paid {$550.00} for a dental consultation and x-rays. The dentist took the money and did not fulfil the promise of immediate treatment to cure the pain I was in. 
I filed a dispute with XXXX on the credit card I used for payment and won a permenant credit of {$550.00}. 
The Dentist has not honored his contract as a credit card merchant and has filed with a collection agency for the dismissed debt including additional charges. The collection agency filed this collection with XXXX and caused my XXXX score of nearly XXXX points to drop by XXXX points. 
I need help with this abuse to restore my credit and force the Dentist to honor the contract he signed as a credit card merchant. I have found both the Dentist office and the collection agency to both be unethical in attempting to ruin my credit as retaliation to the unfavorable decision that was made against them in the dispute thy lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Bread Financial Holdings, Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
PER XXXX XXXX  THIS COMPANY " COMENITYCAPITAL/SALL '' RAN A HARD INQUIRY ON MY CREDIT WITHOUT MY CONSENT THIS COMPANY DOESN'T EVEN HAVE THERE CONTACT INFORMATION LISTED ON XXXX XXXX  ; I HAVE NO WAY OF CONTACTING THEM OR VERIFYING THIS COMPANY IS REAL. 

I am asking for a validation letter proving this hard inquiry belons to me. I demand to know why this company illegally ran my credit without my permission. I suspect SOME OF THE STORE ASSOCIATES ARE DOING IT ON PURPOSES TO GET AN INCENTIVE FROM THE STORE. I SUSPECT I AM NOT THE ONLY VICTIM PER THE FCRA " If you were seriously harmedsay, the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsconsider filing a lawsuit. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, you might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent transUnion certified letters staring on XXXX/XXXX/2017 and XXXX/XXXX/2017 about inquiries that are unauthorized and on my report, Transunion hasnt disputed them or deleated them inwhich they are not going by the law ... these are the unauthorized inquiries that must be removed from my report ... XXXX2017 ... XXXX2017 ... XXXX XXXXXXXX/2017 ... XXXX2017 ... ... XXXX XXXX.XX/XX/2017

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 non-monetary relief
Consumer complaint received 2019-07-22
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/XXXX I was declared 100 % permanently and totally XXXX by the Veterans Administration. On XXXX XX/XX/XXXX I was exempted from any property taxes on my homestead ( my home ) in XXXX County, Texas. Texas gives a 100 % exemption to 100 % permanent and totally XXXX veterans. 


Flagstar Bank holds the mortgage to my home. They advised they would not reduce my escrow payments because I will owe money for taxes in XXXX. I understand that and they will refund any excess. They will not reduce my escrow payment for XXXX until they get a tax bill showing a XXXX balance which won't be until XXXX of XXXX when tax bills go out for that year. They will then reduce my mortgage escrow payment in XXXX, XXXX. 

Letter from XXXX exempts me from property taxes Jun of 2019. Flagstar won't remove escrow from my mortgage until XX/XX/XXXX. I will have paid 18 months into my tax escrow account that I do not owe by then. This is ridiculous. I know other mortgage companies reduce escrow payments immediately upon notification of property tax exemption.

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 2019-06-28
Company: EQUIFAX, INC.
State: NY
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 disputed through XXXX XXXX because XXXX will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my XXXX credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a XXXX balance on the XXXX XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: ECMC GROUP, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ok this is XXXX XXXX XXXX I writing this complaint on XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CA XXXX.. ok I received a debt today XX/XX/2018. stating I owe a debt principal balance XXXX interest XXXX plus there fees and cost of XXXX total balance XXXX.. Now this is a lie I don't even know any think about this debt.. first this is a violation of the fair credit reporting act .because they brought some back dated debt because my credit has been good and clean for 5 years now. I had a XXXX credit score till they pulled it down low ... second they never tried to contact me on the phone or letter till today. However they already put this on my credit report and damaged my credit. they did this on purpose they hurt me financially because I use my credit to acquire income producing assess ... they violated the fair credit reporting act .I don't owe them I don't know were they get this debt from or who sold them my information but its not my debt ... third of all they never gave me a change to see what this debt is about before they put this reaged debt on my credit report .. I demand they take it off my credit report IMMEDIATELY.I DONT KNOW ABOUT THIS DEBT THE LETTER DOES NOT TELL ME WHAT THE DEBT IS FOR AND WHO FROM THE ORIGIN CREDITOR. THEY JUST PUT IT ON MY CREDIT REPORT BEFORE THEY INFORM ME OF ANY THING. THIS IS A COMPLETE VIOLATION OF MY RIGHTS AND THE FDCRA FAIR DEBT CREDIT REPORTING ACT I WANT THIS OFF MY CREDIT REPORT  FAST AND NOW.

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 2021-07-12
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX Data BreachXXXX Identity Theft all is being investigated by the FTC . According to FCRA 605B this information must be blocked immediately until the investigation over

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 reporter act XXXX  account 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. 1861 SECTION 604 A SECTION 2 I ALSO STSTE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR 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 2022-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I demand to verify or remove them immediately :  XXXX   XXXX  -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : I have never paid late this account Beside that, my personal information is reported incorrect, please fix it My address is  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  CA  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
Consumer complaint received 2017-10-19
Company: Northeast Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX Services or XXXX ( XXXX ) continues to contact me at my office, involving my boss and co-workers in this fraudulent attempt to collect a debt. I have asked them REPEATEDLY to stop calling my office and only to contact me via XXXX Mail. The last call was on XXXX @ XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
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 REPORTER ACT XXXX  ACCOUNT XXXX  XXXX  XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR 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 2022-05-04
Company: EQUIFAX, INC.
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 reporter act XXXX  account 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. 1861 SECTION 604 A SECTION 2 I ALSO STSTE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Choice Recovery, 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: Account information incorrect

Complaint:
I have a good relation with XXXX and have no outstanding payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
State: HI
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 demand the following accounts be verified or removed immediately : XXXX XXXX XXXX - XXXXXXXX : Unverified account XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX - XXXXXXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified information

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