BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: Paramount Recovery Systems, L.P.
State: TX
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:
XXXX, 2015, I was injured in a car accident. I hired an Attorney, who acted on my behalf. All bills were paid relating to the accident accept the Medical provider who did not bill or provide the data to my Attorney timely or bill my insurance. My insurance company pays 100 % of XXXX. Record shows the hospital has my data on file as well as insurance. The hospital was paid in full. I spoke with personnel XXXX, who has yet to send me the itemized listing or services rendered for XXXX. This info remains and is affecting my credit. I called the Collection Agency, who made note. XXXX should be held accountable and liable for not reporting and filing with my Insurance company. The appearance on my credit report is viewed negative. I do not recall services rendered for the days indicated below. If I owe why was the insurance company not billed and the data turned over to a collection agency? This in general is the responsibility of the patient, initially. however, the Medical provider must do it 's part and bill.
XX/XX/XXXX - {$640.00} XX/XX/XXXX- {$490.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-01-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express closed my worker 's card in an arbitrary, capricious and XXXX. 
Because of this, I have demanded that American express refund my annual fee. 
I did it via a phone call to Amex customer service at around XXXX Pacific Standard Time on XX/XX/2022. 
Amex refused my request in the following manner : ( i ) customer rep XXXX ( who said he was based in XXXX ) insulted me by calling me a XXXX without any reason ; ( ii ) XXXX, a customer service rep in XXXX, North Carolina, with phone ID XXXX, insulted me by laughing at me and saying that I was talking funny. This was offensive and XXXX towards myself, an XXXX in the US with an accent. 
( iii ) XXXX ' supervisor XXXX XXXX in XXXX, North Carolina : ( a ) refused to refund my annual fee ; ( b ) refused to apologize for XXXX calling me a XXXX and for XXXX telling me I was funny ( c ) Insulted me by telling me that the things that I was saying were funny. 
( d ) refused to say why the credit card of my worker was closed Since Amex closed my worker 's card they must refund my annual fee. 
American express should also stop being XXXX and apologize to me for XXXX insults.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I had transferred a balance to the Capital One credit card with promotional rate of 0 % interest. However the promotion was ok in first month but Capital One started charging interest on the balance, increased my minimum payment, which resulted my automatic payment to fall short and charging more fees on top on the interest rate. I called XXXX XXXX and they " opened '' a case saying they have to review the call recordings and in 2 to 3 weeks someone will call back. i said that is too long, the rep supposedly increased the level and said someone call you in a week. Its been about month with no calls and no change in the account regarding interest rate and promotion. I called after XXXX weeks passing and still no answer i am told by a manager capital one needs few more weeks with no guarantee and they are waiting for another info from another department and giving me no information nor working with me to resolve the issue, which initially they said they have to listen to the call, if they listen to the call its clear on the call and they will see the truth. This is costing me over {$200.00} in interest fees and much higher minimum payment resulting in financial problems. I need this taken care asap. Its a simple fix. No one transfers {$18000.00} with interest rate of over 20 %. All they have to do is listen to the call that i made the transfer on. It is clear on the call. More time passes they are gon na they do n't have the recording anymore. This is fraud and stealing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXXXXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-27
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of four accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked for my credit report to be accurate, removing delinquent accounts or providing proper debt validation as well as taking down all proper addresses, work places and phone numbers except for what is current. I have been a victim to fraud and do not want all these addresses and numbers that are incorrect on my credit report. I have written several letters and have been ignored every time.

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 2022-01-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my Equifax., XXXX and XXXX credit profile and being reported to credit services who profit of old information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: RentDebt Automated Collections, LLC
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: Information belongs to someone else

Complaint:
Please be Advised, Ive been a victim of Identity theft. Ive never done business RentDebt Automated Collections , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems contacted me in XXXX regarding a collection account that was sold to them by XXXX XXXX XXXX. I sent them a certified letter requesting they validate the debt. In XX/XX/XXXX, Transworld sent me a bill in the amount of XXXX from a company by the name of XXXX XXXX. According the bill, XXXX XXXX ( not my name ) had electric service at XXXX XXXX XXXX in XXXX, TX XXXX. I have never lived in Texas nor I have I heard of XXXX XXXX. I filed a police report at the time. However, I can not find it and neither can the police department. I refiled the report today. I then learned that Transworld Systems placed a collection account on my credit report for a bill in the amount of XXXX with a company named XXXX XXXX. I have never had an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: NCB Management Services Inc.
State: GA
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 pulled my credit reports and noticed this organization reporting on my credit reports. My first initial communication with NCB Management was a certified debt validation letter w/ tracking numbers XXXX ( that was delivered XX/XX/2021 ). I never received an response from NCB MANAGEMENT. I called them up on XX/XX/2021 and was told they responded to me through email. I never received an email from NCB Management regarding this account. I then requested for them to respond to that letter through USPS mail and was then given the run around and asked numerous of questions as to why I want this information. The rep was super rude and didn't help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address and SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
The Credit bureaus XXXX, XXXX, Transunion, and XXXX XXXX stated account name & Account #, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX identification number XXXX XXXX, Address ID # XXXX. All four credit reporting agencies indicated that the account were properly investigation but how is that possible in the open date is inaccurate, the date last active is inaccurate, and date last repored is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearky states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they recieve disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law cleary states if iteims are found inaccurate or can not be verified the consumer reporting shall propmptly delete the information from the file of the consumer. XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if the case. How did the credit bureaus edify my bankruptcies as 100 % Accurate. They never did a fair investigation according to th 15 USC 1681. 15 USC 1681 Section 603 ( 3 ) ( E ) states ; The term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's chahracter, general reputation, personal characteristics, or mode of living is obtained through personal interviews withneighbors, friends, or associates of the consumer reported on orwith others with whom he is acquainted or who may have knowlege concerning ny such items of onformation. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information ws obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15USC 1681 section 602 A. States I have the right to privacy.

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 2017-03-23
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I believe that Executives and Branch representatives at Branch Bank and Trust XXXX XXXX XXXX misled me into opening business accounts with account service fee structure.that they then immediately changed in order to charge more fees. Account executives knew the changes were occurring at the end of 2016 but did not properly notify account holders. Statement " notices '' were inadequate considering most customers do not access statements in online banking web sites and instead look at screen transactions. Proper disclosures were NOT made for online customers and I believe the bank is guilty of violation of UDAP, since they misled me personally into a price structure that they knew would change to the very one that I had rejected with another bank. When I called my " personal banker '' to question the fees in XXXX she said that the fees were overdraft fees ( which was incorrect ). Since she misrepresented the fee this caused another month 's worth of Service fees to be charged to all of my accounts. She did not disclose the new fee structure when I complained and said that she could not waive fees ; that the " corporation office '' was free to change fees without notice. It is hard to believe that BB & T executives did not know that they would catch many unsuspecting business account owners by surprise and create a big spike in their fee revenue for the year! I believe that banks in general, and BB & T in particular, create artificially low " come on '' fee structures to get customers to change banks, then change the terms without proper notice. Since it takes so long ( 4-6 months ) to change business bank accounts banks should be required to give PROPER legal notice AND sufficient time period for customers to change banks before they levy fees. They should also be required to disclose new " substantial '' fee changes and increases in multiple forms ( customer email and online banking notices and/or emails ). I believe this is a well designed plan to rip off consumers and small business owners and implore you to open a class action complaint and fines against this flagrant violator.

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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX is listed on my Trans Union Credit Report under- SUPPLEMENTAL PUBLIC RECORDS AND RESIDENTIAL INFORMATION : SUPPLEMENTAL CONSUMER CREDIT INFORMATION ; referencing a Mortgage that was actually in my ex-husbands name/promissory note. They requested information XX/XX/XXXX and that house was foreclosed on and sold. My ex-husband filed bankruptcy after the fact. I have a copy of the promissory note he signed for the mortgage and I would like to have it removed from my credit report. XX/XX/XXXX was when I first came across this information and as of today it is still on my credit report.

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 2015-09-10
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX used wester union online services to transfer XXXX $ to my overseas bank account with XXXX bank XXXX. I did the transaction on XXXX XXXX 2015. The money has not reached my bank account in XXXX till now. I have already escalated this issue with Western Union on XXXX XXXX 2015. 
Since then i have been calling western union customer care and they have always given false status and have been transferring my call to various departments, they have also told me that money will be refunded to my account but have not refunded till now. 
I have been harrased by there operators for hours during the call. They even hang up on me various times and have kept transferring my call to various departments who have no clue about the issue. Till today alsowhen i called them they told me that it has been transferred and when i reported its not there then they told me that they will have to escalate the issue and it will take XXXX business days.They are not even telling me the status and holding up my money. 

Please find the transaction details : western union online id : XXXXXXXXXXXX number ( MTCN ) : XXXX I am attaching the statement of XXXX bank for XXXX which shows that money has not been transferred till now. The statement is password protected and the password to open is : XXXX.

Company response to consumer: Closed with explanation