BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I received letter from CACi XXXX Consumer Adjustment Company Inc ) stating I owed over {$600.00}. When I called to get details, I was told it was for the balance billing of an XXXX visit on XX/XX/XXXX. I advised agency I never received a bill, had XXXX coverage at that time who would have been financially responsible. XXXXXXXXThe phone rep dvised me could file a dispute online. Thanked him and said I would send a certified letter for debt validation. 

Mailed debt validation letter and debt dispute letter by certified mail on XX/XX/XXXX. As of XX/XX/XXXX, I have received no further correspondence or communication, but discovered CACi reported the debt to XXXX on XX/XX/XXXX without validation or further communication to me. This was discovered during process of buying some land. Loan terms ( interest rate were raised due to negative reporting ). 

Since I had an HMO then, the XXXX charges would be between the provider and insurance company ; I am to be held harmless. If the XXXX had billed timely, I could have followed up with XXXX  on payment ; however, after this length of time, I no longer have the coverage and it is outside the window for appeals. 
Further, TXXXX XXXX XXXX XXXX - Title 2 and Title 6 have a statute of limitations on medical billing and collections. This timeline is outside of both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: NE
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've given info to XXXX more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. XXXX has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. XXXX with their data breach and XXXX for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action

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 2017-09-11
Company: BB&T CORPORATION
State: OH
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:
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX/XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX ) on XX/XX/2017 ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Experian Information Solutions Inc.
State: AZ
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 notified by the police that I am a victim of identity theft, so I requested a credit report. I noticed addresses on there that I never lived at. One of which is my ex-husband 's. I see his address on the report, but I do not have proof yet if he has used my identity. The address is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I never lived there or used this address. It belongs to XXXX XXXX. Address ID 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 2022-03-29
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to to dispute and remove the erroneous claim of debt owed to security credit services a collection agency that claims I owe them from an original debtor XXXX XXXX In the amount of XXXX XXXX dollars for a loan that was taken in my name without my authorization or knowledge. I have contacted the collection agency and sent over to them a police report of an ongoing investigation that has lead the evidence of atleast one person stealing my identity. I asked that the company promptly and immediately remove the account due to fraud. The company has also failed to send me any evidence and or proof that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A company by the name of MCM has reached out to a higher department at my work through via email to unknow co workers within the healthcare system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
15usc1681 section 602a and 15usc1681 section 604a. I would like NCB Management Services deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
hi, My name is XXXX XXXX XXXX. My Chase bank account number is XXXX. Somebody stolen my check a year ago. This check was supposed to pay my property tax. The burglar use the fake ID and also altered the check. The thief went to XXXX XXXX cashed the check. I contacted the chase claim department 9 months. They said I will get my refund in 2-3 months. But they were lyiing to me again and again. I went to branch twice to submit my documents. After one month they called me that they need my property tax bill. I gave it to them. They always have excuses when I called them. I just contacted the executive office. They said I didnt give them the property tax bill. They have to reopen a claim for me again. This was a lying. I was so mad about this. They treat poor people like a trash. They dont care about our situation during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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:
The credit reporting agency, Equifax, recently allowed my credit report, and personal information to be stolen from them. They were negligent and careless with internal controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent this company several disputes to this company over the last year and they have not the any work on my credit file, they only come back with computer generated answers instead of investigating the information that I have ask to be asked to investigate. Also Transunion is stating I am using a third party to dispute my credit which is not true. I have taken to time to look over my credit report and mail off letters and Transunion is refusing to investigate my disputes. I last mailed in a disputed on XX/XX/2022 and get a letter dated XX/XX/2022, saying I didn't send proper documentation. I sent proof of identity many times I keep getting the same response complete that was very fast and I see they DID NOT INVESTIGATE any items I disputed I am working hard to insure the accuracy of my credit report and they refused to do their job. And the third party company XXXX that Transunion purchase information from, has informed me that they do not have any information in their system regarding a bankruptcy. I have attached the dispute and proof of delivery they recieve my dispute the letter that I received today XX/XX/2022.

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 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of fraudulent wire transfer on XX/XX/2022. The funds were transferred from BofA ( personal account ) to a fraudulent XXXX XXXX  account. The following day ( XX/XX/2022 ), the fraudulent activity was realized and appropriate actions were taken to retrieve the funds from BofA. A fraud claim was submitted with BofA and BofA contacted XXXX XXXX  to recall the wire transfer shortly after. Since then, the update in regards to the case has been minimal at best. BofA Analyst that handled my claim has yet to contact me when request was made multiple times. I, then, requested a call from a BofA supervisor to contact me, and that has yet to happen either. I have contact XXXX XXXX  multiple times and they can not give me any information as well. I feel my case has been stagnant and minimal effort is being placed to retrieve my funds. When I call the BofA Fraud department, I am always told that a request has been made to XXXX XXXX  to retrieve the funds but no other update can be provided. This is very frustrating as my life is, in essence, put on hold until this can be resolved. I feel the customer service provided from BofA is poor, at best. Your assistance in motivating BofA to resolve this matter would be much appreciated.

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 2022-02-02
Company: Experian Information Solutions 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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX XXXX Account. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies

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 2017-09-11
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was granted guardianship of an incompetent individual on XX/XX/XXXX. In late XXXX, I was granted payee for the same person. I am trying to open a joint checking account, as instructed by SS, and PNC keeps giving me the runaround as to why I ca n't!! I have been to probate three times, SS once and I have all the documentation that is legally required to open and account and pay this man 's monthly bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts has been disputed a few times, and Never once has any of the following companies nor credit reporting agencies ( XXXX, Experian ) sent me any physical verification of these accounts as promised by the FCRA/ law. However, the reporting agencies in opposition of the FCRA will only update my report without physical verification, these are the accounts in dispute ... 1 ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX   XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX 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 explanation
Consumer complaint received 2017-09-11
Company: Seterus, Inc.
State: IL
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:
For some reason my mortgage company SETERUS is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XXXX XXXX the next payment that was reported after that was 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 explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calls every business day with an automated method saying they are trying to reach someone in out company about a debt. This company has no debts in collection, so I simply XXXX the name and then the number XXXX, XXXX and XXXX. You can see how many others have had this same treatment. This is a scam, I am sure people think there companies must owe some money and probably give them money for nothing. This probably should also go to the Dept. of Justice. Please investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good Day, I am a XXXX year old woman who had no idea I owed this bill at all until I was trying to buy a house and they checked my credit and found out I had all these collections on amounts as low as XXXX!! and I had no Idea that I owed them. I asked the company from my loan officer and I contacted the lady who was in credit bureau department and asked her what these were for she informed me she was not a billing clerk but a collection agency and I told her I had not received and phone calls or written information for these bills and I asked her if they were for XXXX hospital and she said no the doctors and at XXXX ( XXXX ) you can not see the doctor without paying your copayment in the kiosk when you check in so she said she would send me a detailed statement that was on XX/XX/2019 and I have yet to receive it! I have 100 percent payments on time on, my report do you really think I would let a XXXX payment lapse for months I am furious I am to old to have my credit ruined by a company who does not do there job! They are showing two accounts paid and I have not paid them a dime so that must be in the system from XXXX doctors I am not sure but she gave me my acct number and I have sent checks in for everything I saw on there website and I am hiring a lawyer to take care of this injustice! I feel like everyone of those from AMSHER COLLECTIONS should be removed off my credit report and they should have consequences to pay for ruining a persons credit I have never had this ever happened to me I expect nothing less than justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Bread Financial Holdings, Inc.
State: NC
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:
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to apply for credit accounts without his consent. While these applications were denied inquiries into his credit were made based on those applications. One of these applications was submitted to XXXX XXXX ; an official dispute of this application and inquiry was sent to Pay Pal certified mail with return receipt however Pay Pal has not responded to the request given to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS 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 non-monetary relief
Consumer complaint received 2017-09-11
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: Reporting company used your report improperly

Complaint:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: ID Analytics, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX denied my car loan application because of some insanely low credit score issued by some unknown, unprofessional company called XXXX They are a scam fishing for personal and private information and this has happened to tons of people on the internet. 

XXXX and XXXX need to be investigated and handled because it is trashing many people 's abilities to make purchases.

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