BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a total XXXX XXXX in XX/XX/2021 during the height of Covid and started physical therapy shortly after at XXXX XXXX XXXX because it was the closet to my home. Really was not the best of service so after several visits I changed to another physical therapy company across town. Upon transfer for my last visit with XXXX I made sure to ask what was my amount due to pay if any and was told by the Lead Therapist that insurance had taken care of amounts. I never received ANY bill, correspondence or notification of monies due but had an account to be forwarded directly to a collections agency. ( WHY ). All other monies through this XXXX with physician, hospital and even therapy have been paid as agreed. So to never receive any bills from XXXX but have them send my account to collection without ANY notification seems unfair and unjust as a client. I have spoken with several other clients and understand this is a tactic they often use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I contacted cash app to see why my saving was closed. They told me to read the terms. I did just that and still unsure why my account was closed. I reached back out to them because it wasn't anything fraudulent going on with my account no nothing. All they told me was it's nothing else they can tell me. I mean it's my account, it was closed for no apparent reason and they wasn't trying to give me an explanation as to why. Then I'm asking them can I just get my funds it's basically like they're telling me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXXXXXX Date Opened : {$360.00} XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$0.00} 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 explanation
Consumer complaint received 2021-06-12
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: Account status incorrect

Complaint:
My credit needed some attention and after about 1 year, post pandemic, I began fixing my credit and monitoring my credit report and scores. While repairing my credit significantly I noticed my credit scores increasing which is what I set out to do and wanted. I've re-established credit with old and new financial institutions and obtained new credit cards with other credit card companies. I've used my new credit and to this day I have " Never '' carried a balance, not once. I pay my charges in full and currently I have XXXX balance on all of them, XXXX and there are about 5 major credit cards I have. I monitor my spending daily as I do all 3 credit reports. My credit scores were in the high 600 's and 1 was at XXXX just a couple of days ago. Today, XX/XX/2021 I check my credit reports and all of the scores except one, XXXX have dropped more than 40 points? and again, I don't now nor have I ever carried a balance and my payments are before on time, I pay any card before it's even due some times. My concern is, why with me being extremely vigilant with my spending and to never carry a balance forward, to me this is unfair for the credit report agencies, Trans Union, who has never raised my credit score went from XXXX to, as of today XXXX and XXXX who just last week my score was XXXX and now it's XXXX. And again, today my credit cards are all at Balance {$0.00}, my monthly payments on my auto lease is impeccably on time, No I am paid 2 months ahead as a matter for fact. I feel the reporting and scoring are totally inaccurate as I have tried too hard and have been too diligent in maintaining a good credit history. It's time for me to push back on what I feel is clearly Unfair credit reporting and they have lowered my standings in terms of my credit worthiness.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report .Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A line of credit was opened with Bank of America by some that used my social security number. I do not know where they came across this information. They went on to charge nearly {$20000.00} dollars over 4 purchases. I have never had a Bank of America Card, nor did I apply for one. I did contact Bank of American and they opened up a fraud case to dispute the opening of the card and the credit. Bank of America states that the card was opened on XX/XX/2022 and subsequent purchases were made shortly after that. I only became aware of the line of credit when I checked my credit score through XXXX and saw that my credit score had gone down, and that the Credit card was opened.

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 2022-12-17
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 have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt XXXX5usc 1692c ( XXXX ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i living man are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. i am [ con ] tacting you [ con ] cerning the above NAME and number in question. it has come to my attention that there is identity theft. ( 15 U.S.C. 615 ( g ) ; 15 U.S.C. 1681m ( g ) ). you are in violation of 18 U.S.C. 241 Conspiracy Against Rights and 18 U.S.C. 242 Deprivation of Rights Under Color of Law. there shall not be any more [ un ] authorized [ trans ] actions alleged to be in [ con ] nection to my property. ( 15 U.S. Code 1605 - Determination of finance charge ; ( UCC 3-403, unauthorized signature ; [ Cf. 673.4031Unauthorized signature. ].

i have not supplied proof under the [ doc ] trine of estoppel by silence, i presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists ( Engelhardt v. Gravens Supreme Court of Missouri, Division One Mar 12, 1926 No. 25192 ( Mo. Mar. 12, 1926 ) ).

you have [ act ] ually [ dam ] aged me, [ fin ] ancially, causing mental anguish, [ de ] privation of rights, [ dam ] aging my livelihood, [ dam ] aging my quality of life and [ dam ] aging my private household affairs, all caused by your [ mis ] leading reports and your trust failure in data breach of source data private property, your data breach involved my personal and private data which has a value and caused wrongful conduct of your organization that was in-trusted control of protecting the consumers private property source data. correction with payment settlement satisfaction of all Civil penalties violations with actual damages shall remedy this claim herein.

i am only able to discharge as fact per. [ Cf. PUBLIC LAW 73-10, HJR-192 of 1933 ]. Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. 1933 Act means the Securities Act of 1933, as amended. 1934 Act means the Securities Exchange Act of 1934, as amended. 1940 Act means the Investment Company Act of 1940, as amended.

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 2020-12-30
Company: Experian Information Solutions 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:
The collection company XXXX, XXXX and XXXX has been on my credit report since 2018 and listed as included in bankruptcy. I disputed the account with Experian and they updated the account to a collection past due account. I never received a bill from the company nor has anyone tried to contact me about it from 2018 to now. I called the number and XXXX answered the phone. She had me verify my information, but they had me listed as a resident of Florida which I have never been. I asked how is this account a collection, when it's always said XXXX? She said it never said that and we debated a little. I asked her to mail me a debt validation letter and she hung up. Attached you will find proof that they have been reporting this debt as XXXX and just recently changed it once I disputed it. Either way, I do not recognize this account, I do not appreciate never being notified, nor do I appreciate XXXX 's rude behavior. Completely unprofessional. 

I disputed this account with Experian and they reached out to the company and only updated the account based on what the company said. How did Experian verify this debt? It doesn't make sense especially since the company had me listed as living in Florida.

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 2019-04-06
Company: WELLS FARGO & COMPANY
State: IN
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:
This is a complaint against XXXX XXXX XXXX and Wells Fargo Consumer Credit Card. 

I have a Cell Phone Protection claim ( XXXX ) with XXXX XXXX XXXX  ( XXXX ). My Wells Fargo credit card has a Cell Phone Protection benefit administrated by XXXX. My cell phone had physical damage requiring a new LCD and button. XXXX denied my cell phone claim XX/XX/19 stating conflicting information. Information does not conflict. I submitted all of the paperwork : XXXX online claim form, XXXX bill,  Wells Fargo Credit Card Statement, XXXXXXXX XXXX invoice. My XXXX bill shows that the phone was not used between XX/XX/19 to XX/XX/19. I paid {$190.00} to repair the phone at XXXX. XXXX will not reimburse me for the {$190.00} repair fee. I was well within the 60 days notice of reporting the damaged cell phone to XXXX. All documentation was uploaded within 90 days on XXXX 

The physical damage was seen and heard by the diagnostic technician. The technician noted significant damage on the repair estimate. The technician saw that the phone did not function because it is obvious to the eyes and ears. He replaced the LCD and button, because the old parts were physically damaged. The reason for the damage is wear. With three phones in my household with XXXX children, we damage cell phones frequently. XXXX wants to teach consumers not to file claims. Wells Fargo needs to know that XXXX is not paying out for valid claims. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX : XXXX Policy Administrator : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TN XXXX, Tel : XXXX or XXXX XXXX email : XXXX XXXX Website : XXXX XXXX Claim # : XXXX Filing Date of Online Claim Form with XXXX : XXXX Claim Amount for damaged cell phone, based on repair estimate : {$190.00} Damaged Phone : XXXX XXXX with phone line XXXX Date of Loss : XXXX Date of Phone Inspection with Repair Estimate : XXXX Phone Inspection by : XXXX Repair XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX, Tel : XXXX Description of Damage : LCD did not work, Power button did not work, Touch did not work, Screen was black and useless. Phone did not function. 

Repair : Replaced LCD and button, fixed touch, repaired functionality Purchased Phone from XXXX : XXXX ( order date ) Claimant/Policy Holder : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, Tel : XXXX Wells Fargo Consumer Credit Card # : XXXX XXXX XXXX XXXX Wells Fargo Credit Cards : XXXX XXXX XXXX XXXX, MN XXXX, Tel : 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 2019-03-18
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am beyond disappointed and frustrated that somewhere/somehow Sallie Mae ( now Navient ) managed to move my federal direct loans to the, " private side '' of their operation. I worked with Sallie Mae in XX/XX/XXXX/XX/XX/XXXX to set up a payment plan for my XXXX and XXXX student loans ( all Federal Direct and Stafford Loans ). As a new graduate entering the job market, I was counseled to consolidate my payment and take a " level '' repayment plan. I distinctly recall that the person I spoke with on the phone telling me that the " consolidation '' was just to allow me to make one payment. I was also locked in at 6 % for the life of the loan - and was told that Sallie Mae would not sell or transfer the loan. 
Fast forward to the present, I have been working for a qualified non-profit organization for the past 15 years, and qualify for the Federal Student Loan Forgiveness Program ; however, Navient has decided that my loans are now private. It was never made clear that any loan offered by Sallie Mae or Navient was not on behalf of the US Department of Education. I would never have " consolidated '' my loan payment had I been made aware of forfeiting the benefits that could be offered down the road from the federal government. I applied for the FSLFP about 2 years ago, and was denied because Navient is claiming the loans are ineligible. This is predatory lending. I find it appalling that while I borrowed $ XXXX - after 14 years of paying $ XXXX/month, I still owe $ XXXX. By the time I have finished payments - I will have paid $ XXXX. Navient will have made {$41000.00} plus dollars to process my monthly payments. 
Will there be any additional changes to the FSLFP that may help people like me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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 have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( XXXX ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

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