BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX XXXX billed me {$240.00} for a lab test I received. My medical insurance at the time, XXXX, paid the entirety of XXXXXXXX XXXX claim, except for {$240.00}. As the explanation of benefits included in the attached file shows, XXXX identified XXXX XXXX as an in network provider for my medical insurance, and stated that XXXX is not allowed to bill me for the {$240.00} that XXXX refused to pay. In spite of this, XXXX has continued to bill me for this amount. On XX/XX/XXXX, I faxed XXXX XXXX a copy of my insurance explanation of benefits showing that XXXX had disallowed their claim and that XXXX is not allowed to bill me. XXXX XXXX ignored me and sought help from Credit Collection Services. This debt collection is unlawful under the Fair Debt Collection Practices Act because it violates XXXX XXXX contract obligations to XXXX for which I am an intended third party beneficiary.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-11-23
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:
In accordance with the Fair Credit Reporting act XXXX XXXX- Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

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 2023-05-26
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Submitted my PSFL form and was notified on XX/XX/XXXX that my Federal Unsubsidized loans have met the XXXX loan repayment. No further action has been taken on my account to move this loan and show it as forgiven with a XXXX balance and have it show a XXXX balance on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting 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 writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit report.The purpose of this letter is to formally register a complaint against the persistent errors present in my credit report. 

I have made repeated efforts to correct the inaccurate information in my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Unfortunately, despite my numerous attempts and the submission of supporting documentation, the inaccuracies persist, causing considerable distress and hindering my ability to secure fair financial opportunities. 

The inaccuracies in question include late closure, charge off and inquiries. I have attached copies of the supporting documents that verify the correct information and clearly demonstrate the errors in my credit report. 

Despite these efforts, I have not received any meaningful resolution or acknowledgment of my concerns. This lack of responsiveness is not only a violation of my rights under the FCRA but also an impediment to my financial well-being. 

I kindly request that you promptly investigate and correct the inaccuracies in my credit report. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the FCRA. Please assist me to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXXXXXX  Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00}.

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 non-monetary relief
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All statements with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Nj XXXX. 

Where my landlord XXXX XXXX XXXX stole and used my XXXX XXXX credit card. Along with my NJ XXXX drivers license XXXX XXXX XXXX I reported this to XXXX police department and FBI XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Pa XXXX ( XXXX ) XXXX they dont investigate Credit card fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  memebership stated I owed XXXX collection agency is harassing me stating I owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a complaint 2 months ago and they have not helped me, they have allowed the credit bureaus to continue failing to fulfill their duties.

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 2023-10-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I spoke with XXXX representatives for XXXX  ( Syncrony ) regarding my last payment XX/XX/2023. I submitted a payment through my credit card to cover the balance, because the interest was astronomical and my payments were being absorbed by interest fees. I paid the whole balance and noticed this week ( of the XXXX XXXX ) that the money wasnt received. I called today, XXXX XXXX, at XXXX pm to ensure that there werent added fees since I paid the due date. The first representative, XXXX, verified my information and after hearing my concern stated that she understood and that there was a payment made but not sure why it didnt process. She waived the late fee, but said they would nt approve her to remove the interest fee. I respectfully asked to speak to her supervisor and she said she understood and would transfer me. I did state that I felt uncomfortable and at loss why I would need to pay {$30.00} in interest when I wasnt late paying, Im still unclear why the payment wast processed and how did they even get that figure..I just didnt understand why wouldnt they remove all fees while I processed the payment again. 

The next representative/manager named XXXX, XXXX # XXXX, was not helpful at all. He refused to connect me with his superior, he refused to give me a last name nor a telephone number, saying the supervisor doesnt accept calls. He kept saying he was unable to remove the interest fees due to a new policy, but offered me no tangible, certified information or anything. I told him I felt unvalued as a customer and I wanted to report this because the interest fees even before this felt immoral and like theyre taking advantage of me as a consumer and that Im trying to pay off my balance or trying again and the company is refusing to do the right thing. I then asked to have my account closed since they are taking advantage of me, not helping in any way, and dont value me as a customer. I felt really upset, unheard and powerless. I took a few screen shots, the day I paid it and one of my account that says I paid. 

Pay off balance as of XXXX, 2023 : {$1100.00} Pay off XXXX : {$1100.00} Rep : XXXX, id : XXXX Rep : XXXX, XXXX ID : XXXX The supervisors name given is XXXX, XXXX ID # XXXX Refused to provide a last name, refused to give a phone or other forms of communication and but gave the below address to write and who knows when and if Id hear back. 
XXXX XXXX XXXX XXXX, PA 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 monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called 911. I had XXXX my car insurance tow the car back on the lot on camera and XXXX XXXX XXXX refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.

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 2023-11-19
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The FBI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX was on the phone when the representative from Navy federal credit union opened an account that my sister in Va sponsored. 

XXXX XXXX XXXX the vice president of membership mailed me XXXX checks and XXXX were stolen XX/XX/2023. 

I reported the checks stolen. 

I was forced to sign a navy federal membership agreement and tax id certification. 

I was approved for a bank account then went in person to deposit my money. The FBI sent decoys into the branch per my calls to them at ( XXXX ) XXXX. I was told at XXXX XXXX XXXX XXXX XXXX XXXX XXXX by the white teller that due to the color of my skin and me being a XXXX educated woman. I WAS also called a XXXX and unfortunately XXXX can not open any accounts. 

I called ( XXXX ) XXXX, I mailed the check as requested to open the account and I havent received anything yet from Navy Federal credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: Monterey Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attempted to resolve the matter with Monterey and pay to close my account with collections and with XXXX XXXX XXXX XXXX XXXX ( the company that sent the debt to Monterey ), but they stated that can not be done. I sent a cease and desist to Monterey, so they can no longer contact me, but they are still reporting to my credit. I do not intend on paying them if they are not providing options to close my account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX and with them. Pursuit of this matter by Monterey is frivolous. 

I will resolve the matter of my debt with XXXX XXXX  directly. I will escalate this matter to the Federal Trade Commission if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Tried to refinance. But Wells Fargo screwed up paperwork. XXXX was supposed to include insurance but they made a mistake. Didn't find out until I didn't pay my house insurance and it got cancelled because neither did Wells Fargo didn't secure the insurance. Lots of issues with Wells Fargo. Sold mortgage 3 times no communication. Never let me get our belongings and house sold without notifying us of foreclosure or court date. XXXX and not able to do much after the fact.

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 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request an investigation into the inaccurate information that is currently being reported on my credit report. After reviewing my credit report, I have identified discrepancies related to late payment accounts. The accounts in question are reporting late payment statuses, but I assure you that these accounts have been paid on time, and the information reported is inaccurate. 
Below, I have provided details of the disputed accounts : XXXX XXXX XXXX XXXX I kindly request that you conduct a thorough investigation into the discrepancies mentioned above and update my credit report accordingly. The accurate information is that all payments on the mentioned accounts have been made on time, and there have been no instances of late payments. Therefore, the late payment statuses and incorrect dates negatively impact my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
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: Information belongs to someone else

Complaint:
I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze/unlock my credit immediately.

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