BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: Patient Accounting Service Center
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good evening im reaching out to you in regards to two debt letters that were sent to me from ARSTRAT reference # XXXX and # XXXX both times were i was driven to the hospital without my consent. Ive had XXXX for a little over a year which are minor and I know what to do when I have them as i always have my medication on me. As a full time medical student I cant afford to go into the ER and both times I have written to them stating I can pay about XXXX out of my part time job I have right now. It was very very much appreciated that they were able to send me back letters stating I only owe XXXX for each one but I don't have that type of money. I haven't had a XXXX since XXXX of XXXX which was a major accident and I've been going to XXXX XXXX for it since and staying on top of everyway to get better. At that time i wasnt getting any income because of covid, One of those in XX/XX/XXXX I was taken in because I had had a XXXX in my bathroom and my neighbor freaked out because she heard me grunting in the bathroom and called 911 and they again took me even though I let them know I was ok and refused to go but I obviously didnt let her know what was going on as I felt it wasn't anyone 's business to know i had previously had a XXXX. In the ER they didnt do anything beside wait for my dad to pick me up. I rejected going in because I knew I was ok. Im unable to pay {$1000.00} for both hopsital bills. the highest I can do with my income is XXXX for both. I was hoping we can settle it with paying that for both. I look forward to hearing from you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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 information incorrect

Complaint:
As previously stated, the payments made towards my XXXX XXXX account XXXX is not being accurately reflected across all credit reporting accounts. I have attached several documents that clearly indicate correct payment activity for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These documents serve as concrete evidence that I have indeed met my payment obligations during these months. 

Furthermore, I wish to bring to your attention that specific arrangements were made regarding the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Through an extension agreement, these payments were rescheduled to be fulfilled at a later point in accordance with the terms of my contract. I kindly request that you update my credit report to accurately reflect these contractual adjustments. 

In light of the aforementioned information, I urge you to take immediate action to rectify this situation. I request that you correct the inaccuracies in my credit report by removing any late fees associated with the aforementioned months and accurately reflecting the true status of my XXXX XXXX account payments. This correction is essential to ensure the fairness and accuracy of my credit history. 

Enclosures : - Documentation of Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - Copy of Extension Agreement ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am not even sure who to address this complaint about. The enticement and advertising to open a 12 month no interest account starts with Apple Credit Card and then it appears servicing is moved to Goldman Sachs.

The advertisement is not clear, concise nor consumer friendly. To obtain information after you have placed the order is close to impossible. I have been transferred between Apple Card over 33 times and have spent a title of 44 hours trying to get assistance. 

Both entities claim to not understand how this program works. There are so many features that seem to be predatory, deceptive and just down-right slimy for the consumer. 

1. Apple advertises an apple gift card with a purchase. They are not clear that they you not receiving a discount or a free gift card. They actually charge you for the gift card on the Apple Card. There is no benefit. At least 18 employees within Apple and some calls as long as 2 hours 33 minutes, no apple employee could explain how the gift card works. On the surface it is just appears to be deceptive advertising to sell a gift card and finance it on an apple credit card.

2. Neither Apple nor Goldman Sachs can provide a breakdown of the charges, why some are on installment or others are not. I have been told there is not itemization. There appears to be a very serious lack of training between Apple credit card and Goldman Sachs. I spoke with no less than 10 people who all told me a totally different policy or guidelines. A clear and concise consumer friendly policy should not require both parties to have to elevate to a supervisor.

3. The upfront disclosures of how to maneuver this minefield is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 a charge for a private ambulance was opened on my credit report due to a car accident and being rushed to the hospital. I had medical insurance and I did not request or been asked to ride in a private ambulance at the time. I called the company which refuses to remove the collection. The company has very rude workers who speaks to you disrespectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2022, I went through fraud with XXXX. I spoke with the company and they were able to credit me back the amount and remove this off of my record. With this being fraud can I please get the hard inquiry off of my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ATM withdraws made in a city I have never been too, 30 minutes after I made a transaction to confirm my physical location. Bank declined my dispute without doing any investigation, and are refusing to provide details of anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Account # XXXX XXXX XXXX {$310.00} is improperly showing on credit report as its under the XXXX an that new law has passed stating that they arent to be on credit. Yet when I disputed they have said its accurate and havent removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: JPMORGAN CHASE & CO.
State: DE
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:
XXXX XXXX / XXXX 2022 XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX XXXX 2022 This are all hard inquiries I did not give permission to look into my account nor check my credit I want it remove from my credit history I did not authorize no company nor 3rd party nor gave consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX REPORTED BALANCE {$270.00} : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX BLANCE {$150.00} : XX/XX/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 2023-05-23
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 2022-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The bofa employee has no knowledge of loans and reads through a script unable to answer questions. The program for minorities is only offered in XXXX XXXX XXXX where its a XXXX dollar home that was once $ XXXX in the 1950. This is purposeful unethical business practices. I make $ XXXX a year and can not afford XXXX market. 

These impossible programs designed to help people are just a disgrace and help no one. 

Please correct their false, corrupted, and unethical business practices. 
They downsized their mortgage departments, advertising false programs and stealing data and credit reports. Marketing high interest cred cards. 

Terrible and unlawful business practices.

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 2022-09-24
Company: EQUIFAX, 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:
Equifax and XXXX Bank This account was closed in XX/XX/XXXX Over 10 years old why is it still being reported, I should sue both of you last reported XX/XX/XXXX that XXXX XXXX CFPB I request that you step in on this matter remove it at once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: HI
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 the last 2 month, 2 negative accounts were put on my credit reports as delinquent. I immediately filed disputes with all 3 credit bureaus. XXXX and Experian removed both accounts from my credit reports as soon as I filed the disputes. Within minutes of filing the disputes. As of today the creditor has now fraudulently changed the opened dates and re added them back to my Experian credit report. 1 of the accounts was opened in XX/XX/XXXX, and the other opened in XX/XX/XXXX. The first reported delinquency for both accounts was on XX/XX/XXXX. They have now changed the first reported delinquency to XX/XX/XXXX. This is fraudulent and inaccurate. These accounts are over 20 years old, and the first reported delinquencies happened over 18 years ago. they also fraudulently removed the original loans starting dates from my credit report, to make it look as though the loans were more recent than they are. Ive tried to get Experian to re remove the accounts as they did 2 months ago, and theyre telling me that they dont have the ability to remove the accounts, even though they removed the accounts 2 months ago for being too old. They have also told me that they cant look at the results of previous dispute that I filed with them 2 months ago that confirms the original reason the accounts were removed from my credit report even though I can see the dispute results when I log into my account on their website.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
violation of credit bureaus to report information on my credit report without my consent. legal code 15USC code 1681b. this is identity theft

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 2023-07-07
Company: EQUIFAX, INC.
State: AL
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 recently obtained a copy of my credit report and noticed that there was some unauthorized inquiries on my report that was not given with my written instructions. Those Inquires listed below 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: NY
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 looking through my credit profile on XX/XX/XXXX and trying to get my credit back in good standing. I noticed to inaccurate things that were fraud and never authorized by me. I got 2 hard inquiry XX/XX/XXXX by XXXX 's and one from XXXX XX/XX/XXXX. I never requested these cards/loans or did any type of business with them on that day that my score needed to be ran.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
All 3 credit bureaus have been notified that they are reporting XXXX card payment on my credit report from XX/XX/XXXX as late. I have called and sent letters to XXXX to rectify the situation because I have never paid them late every month I have made a payment I have payment scheduled to show Ive contacted all three bureaus. No one has fixed this they have sent Correction over to the company. The company keeps sending it back as its valid. Finally I spoke to someone in XXXX. They said they sent a letter out XX/XX/XXXX acknowledging what I said is accurate, and that they are fixing it. Theyre telling me I should wait 90 days theres no reason for me to wait 90 days when this has been reporting eight months now and incorrectly and ruining my credit. The problem is still shows on my credit reporting all three agencies as a late payment over 30 days. Consumer law 15 USC 1681 permissible purpose, states that it is a violation to report anything these bureaus want on my report without my written consent. I do not give the consent I want this removed, and Marked paid as agreed for all months for all 3 credit bureaus.

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 2022-07-04
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: NY
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 looking through my credit profile on XX/XX/XXXX and trying to get my credit back in good standing. I noticed to inaccurate things that were fraud and never authorized by me. I got 2 hard inquiry XX/XX/XXXX by XXXX XXXX and one from XXXX XX/XX/XXXX. I never requested these cards/loans or did any type of business with them on that day that my score needed to be ran.

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 2022-07-04
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never had an account with XXXX or XXXX. My ex opened up the account without my consent. I do not even live at that address.

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