BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  on XXXX XXXX. 
I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

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 2023-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I currently have an XXXX with Optum Health Bank and they are not accepting my weekly payroll deposit into my account even though the funds are withdrawn from the company bank. It is even stated clearly on my check that the funds have been submitted to Optum for deposit. Optum continually refutes this problem and denies that a deposit has been made. Our company and company bank states that the money has been withdrawn from the account and deposited, our payroll concurs as stated on payroll slip.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Issue : On XX/XX/XXXX, a cashiers check that I purchased from Wells Fargo in the amount of {$5700.00} was stolen and cashed. For the past nine months, Wells Fargo has been avoiding reimbursing me for the amount stolen. 

History : XX/XX/XXXX : Claim opened for check fraud. I was told that the full amount of {$5700.00} would be deposited back to my account within 10 business days. CLAIM # XXXX XX/XX/XXXX : Claim closed by Wells Fargo without notice. 

XX/XX/XXXX : I contacted Wells Fargo to get an update on the above-referenced claim ; I had to ask that they open a new claim to investigate this issue. CLAIM # XXXX XX/XX/XXXX : Received a letter dated XXXX from Wells Fargo stating that they closed the claim. The issue of check fraud was not addressed. 

XX/XX/XXXX : Mailed a Wells Fargo form that I retrieved from online in order to get assistance with this matter. On this same date, I mailed a complaint to the New York State Department of Financial Services. 

XX/XX/XXXX : Visited a Wells Fargo branch to have a banker help me with this issue ( Note : This was the third time I visited a branch to get assistance with this issue ). I was told that the {$5700.00} would be deposited into my account within 10 days. CLAIM # XXXX. 

XX/XX/XXXX : Received a letter dated XXXX from Wells Fargo outlining the history of this case but not resolving the case. Note : Wells Fargo never called me on XX/XX/XXXX, and they did reopen a claim for this issue on XX/XX/XXXX ( CLAIM # XXXX ), as stated in this outline. 

XX/XX/XXXX : Received two letters dated XXXX from Wells Fargo to : complete another affidavit within 20 days ( new affidavit was mailed on XX/XX/XXXX ) and to inform me of their attempt to contact me ( which is not true ) and that they closed the case. 

XX/XX/XXXX : Received a letter from Wells Fargo stating that they are working to obtain a refund from the bank that accepted the deposit. 

XX/XX/XXXX : Received a letter from Wells Fargo dated XXXX stating that they need to complete another Affidavit of Check Fraud in order to proceed. 

**As of today, I have not received the reimbursement for the stolen check. **

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 2023-05-26
Company: EQUIFAX, INC.
State: AR
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 submitting my complain again for you to notify about the fraudulent items that are still reporting on my credit file. It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following items should be deleted right away : XXXXXXXX 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 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 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 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 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 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 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 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 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 2023-07-12
Company: P.S.C., Inc
State: CA
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 was seen in a hospital XXXX XXXX for an injury and after 90 minutes I was discharged home. 

XX/XX/XXXX : I received an Explanation of Benefits from my medical insurance provider, XXXX XXXX, which indicated I had {$0.00} patient responsibility to the provider ( s ) for my treatment. 

XX/XX/XXXX : I received a vaguely-worded letter from a debt collections agency claiming I owed {$810.00} to XXXX XXXX XXXX XXXX . 

XX/XX/XXXX : I sent a reply to the collections agency via USPS Certified Mail that I wasn't familiar with the charge ( s ) they were referencing. 

XX/XX/XXXX : I received another memo from the collections agency ( dated XX/XX/XXXX ) that these charges were associated with the hospital XXXX visit on XX/XX/XXXX. They provided a statement dated XX/XX/XXXX from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ) claiming that the insurance company only paid a portion of the provider 's services. Needless to say, this was a " SURPRISE BILL ''! I had received ZERO contact or correspondence from this group and the mailing address they provided is 400 miles away. They also didn't include a telephone number for correspondence. 

XX/XX/XXXX : I called my health insurance HMO to investigate what they have documented on their files. They verified that the claim from the " emergency medical group '' had been processed and paid in early-XXXX XXXX. The representative from my HMO researched the medical group and located a telephone number ( XXXX ) for them. The representative placed me on-hold, then called the medical group and left a voicemail message with both the HMO phone number and my telephone number, requesting that they please call back at their earliest convenience. 

XX/XX/XXXX : I sent a second reply to the collections agency via USPS Certified Mail stating that I had never received any statements or memos from this medical group and that I had been in contact with my medical insurance provider who indicated the medical group had received payment for services rendered. 

XX/XX/XXXX : I have made several subsequent attempts to contact the medical group by telephone ( XXXX ) but incoming calls are immediately routed to voicemail and I have yet to receive a call back. 

XX/XX/XXXX : This seems like a scam to me and I would like assistance on how to resolve this situation. I would be happy to provide documentation, but will first need the opportunity to redact the documents for PHI and PII.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Capital XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}

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 2022-12-06
Company: EQUIFAX, INC.
State: AL
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:
While checking my credit report I notice credit inquiries that I did not authorize. This is a violation of the fair credit reporting act secton 1681b. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Please be advised that this is my Second Written Request asking you to remove the unverified collection accounts listed below that remain on my credit report : XXXX {$590.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$200.00} I received documentation that 2 of the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX was closed but not removed as I requested if the accounts were not able to be proven that they belong to me they be removed. The accounts remain in my credit file as of now. Please remove all 3 accounts as they have been previously proven not to belong to me. Attached is the previous letter and documentation that backs up the claims. 


Thank You 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 2023-06-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15U.S.C. 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

MEDICAL COLLECTIONS ARE ALSO PROHIBITED FROM VIOLATING HIPPA LAWS AND WITH WRITTEN CONSENT CAN NOT FORWARD ANY PERSONAL HEALTH DIAGNOSIS TO ANYONE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: PA
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 reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: LEXISNEXIS
State: IL
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 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 I have not given anyone permission to buy, sell, share my personal credit information with anyone. I want these account deleted immediately. My right to privacy is being violated and the law has been provided to you. 
Only my credit card was agreed to and my bill payment with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: NV
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:
n accordance with the Fair Credit Reporting act XXXX collection bureau of XXXX XXXX, XXXX XXXX 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 2023-05-29
Company: U.S. BANCORP
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: Problem with rewards from credit card

Complaint:
I had XXXX points ; when I checked my account earlier, I only had XXXX points. I was told that my account had expired. I told them I did not cancel my account, and it remained open even though I hadn't used the card. I was told that I was supposed to receive a letter from them reminding me that my points were expiring. This is so misleading and unfair!! I spent a lot of money to earn the rewards and even paid off my credit card balance XXXX years ago.

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: National Credit Adjusters, LLC
State: ID
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 a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX  Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed without warning and additional information on the closure was not given upon request. The company has threatened to withhold my balance from me as well. As this account is tied to direct deposit at work, I need it reopened so I can get paid and have my balance returned to me.

Company response to consumer: Closed with explanation