BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE SENT LETTERS TO TRANS UNION TO FIX MY PERSONAL INFORMATION THEY ARE THE ONLY CREDIT REPORTING COMPANY WITH MULTIPLE WRONG ADDRESSES. SPELLING OF MY NAME AND INACCURATE WORK HISTORY. I SENT THEM AN UPDATE WITH A COPY OF MY DRIVER 'S LICENSE AND THEY STILL DIDN'T UPDATE MY PERSONAL INFORMATION. 

THE CORRECT INFORMATION IS : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX TX, XXXX WORK : 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 2023-01-13
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX XXXX  I visited XXXX XXXX XXXX XXXX in XXXX, TX for treatment and presented my insurance. After treatment, I was sent a bill as my co-pay for about {$280.00} from my Insurance company ; XXXX XXXX XXXX. I paid the bill and assumed my dealings with the situation were over. It was not until I was processing for a federal position recently and a credit check was ran that I was informed of a collection debt of {$980.00} on my credit report, which has brought the process to a halt. I called the agency and found out I was being charged a 'doctor 's bill ' for that same service and after contacting the insurance company and filing a complaint I was told that the bill was submitted past the allowable time and thus, they were not liable to pay it and neither was I. I will attach the correspondence to this complaint. I also found out that the bill was sent to an erroneous address which is why I had no idea about it and it was subsequently forwarded to collections. I tried to get a detailed bill to send to my insurance company but the collection agency ; United Revenue Corp, never sent it despite promising they would. I am suspecting foul play because my insurance company told me the two doctors ' bill were approximately {$14.00} and {$45.00} when they were sent to them past the period. I do not know how the bill could have then ballooned up to {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Thursday, XX/XX/2019, XXXX XXXX  MST, XXXX XXXX wrote : paypal XX/XX/2019 XXXX MDT Transaction ID : XXXX Hello XXXX XXXX XXXX , You sent a payment of {$20.00} USD to XXXX XXXX ( XXXX ) It may take a few moments for this transaction to appear in your account.

Merchant XXXX XXXX XXXX Instructions to merchant You haven't entered any instructions. 
Description Unit price Qty Amount Order ID : XXXX | 10 Guaranteed Website Signup Details : URL : https : XXXX | XXXX  : | XXXX : {$20.00} USD XXXX {$20.00} USD Subtotal {$20.00} USD Total {$20.00} USD Payment {$20.00} USD Charge will appear on your credit card statement as " PAYPAL *XXXX '' Payment sent to XXXX Payment sent from XXXX XXXX XXXX  Used ( Total ) MasterCard XXXX {$20.00} USD Issues with this transaction? 
You have 180 days from the date of the transaction to open a dispute in the Resolution Center. 

Questions? Go to the Help Center at www.paypal.com/help. 

Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click Help in the top right corner of any PayPal page or please contact us toll free at XXXX. 
You can receive plain text emails instead of HTML emails. To change your Notifications preferences, log in to your account, go to your Profile, and click My settings.

Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal XXXX : XXXX, Paypal Refuse to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: WELLS FARGO & COMPANY
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, my name is XXXX XXXX. On Friday XX/XX/XXXX at XXXX I received a call from someone claiming to be with the Wells Fargo Fraud Department . The call was placed from the phone number ( XXXX ) XXXX, as well as the caller ID " Wells Fargo Bank. '' The supposed employee claimed that there had been some suspicious transactions posted on my account totaling {$3500.00} in a faraway zip code. One transaction in the amount of {$1300.00} and one in the amount of {$2200.00}. The employee then verified the last four of my account numbers and the dollar amount in each account. Once verified, the employee stated that they were working with someone in their XXXX department named XXXX XXXX The employee then stated that they froze the XXXX transactions and that In order to fully reverse the transfer, I needed to accept the {$1300.00} XXXX request from XXXX XXXX XXXX and that the funds would return to my account within the hour. After an hour I grew suspicious and called the number back, only this time I reached the actual Wells Fargo Fraud Department, who then informed me that I had just been scammed. I then submitted a fraud claim. The next day at XXXX I received another call from ( XXXX ) XXXX with the caller ID " Wells Fargo Bank `` This time was another attempt to get me to " reverse the second fraudulent {$2200.00} XXXX '' I promptly hung up the phone and re-dialed the number. Again this time I reached the actual Wells Fargo customer service line, who then prompted me to create this email/report. I recently received a decision from wells fargo saying that I am not entitled to my money back, and that it is not their fault because it was through the XXXX option on wells fargo. However, I don't see how this is my fault being that they had access to all of my personal information, including the amounts that were in my accounts and the account numbers and no one should have access to this but my bank.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: CA
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:
The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The fax number to reach TransUnion either directly or though XXXX XXXX ( a wholly owned subsidiary of TransUnion ) is no longer working. 

I called and was unable to get through to a live rep at TransUnion however I have spoken to a representative at XXXX XXXX and they state the no longer accept information by fax as it states on their submission page here : XXXX XXXX XXXX They have stated that the only way to provide documentation now is by mail. 

I'm a member of a large consumer advocacy group and we are seeing 100 's of complaints by consumers whose letters and disputes to the bureaus are going unanswered. 

Faxing a letter is the best way to hold the bureaus accountable next to mailing the letter certified mail which costs upwards of {$5.00} that many of us don't have to squander. 

The Credit Bureaus should be required to maintain all viable means of communication. 

And when nearly a quarter of the population does not have access to reliable internet, fax is the only reliable means to send information quickly with proof of confirmation.

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 2022-08-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I would like to know if the temporary changes to the Public Loan Forgiveness Program mean than I now have enough payments to qualify for federal student loan forgiveness through the Public Service Loan Forgiveness program. My loans are serviced through FedLoan Servicing. 

Currently, I have 105 qualifying payments toward the 120 payments needed for loan forgiveness. However, a change to how forbearances are treated for PSLF forgiveness may mean that I *do* have enough qualifying payments. 

The Department of Education will be conducting a review of all accounts this fall. However, I would like to find out sooner if possible. The reason is that I'm not working, and I need to know whether I should be applying for a temporary job with a nonprofit or government agency ( if I need 15 more qualifying payments ), or if I do have enough qualifying payments and can look for other types of employment. 

On XX/XX/XXXX, the Department of Education announced they will be conducting a one-time account adjustment to count certain long-term forbearances toward PSLF loan forgiveness ( link to press release below ). The adjustments only apply to forbearances of *more* than 12 months consecutive, or 36 months cumulative.

According to my account on the Dept. of Education website, my student loan account was in forbearance starting XX/XX/XXXX, then entering into repayment on XX/XX/XXXX -- more than enough months to satisfy the 12-month minimum and the 15 remaining qualifying payments. 

However, there was a three-day period in the middle where it shows I was in repayment ( XX/XX/XXXX - XX/XX/XXXX ), though I did not make a payment. I would like to find out if the 3-day " repayment period '' will split the forbearance period into 2 forbearances, neither of which would meet the 12-month minimum mentioned above.

Could you find out from the Department of Education whether they will treat it as one long forbearances or two shorter forbearances?

A representative from FedLoan Servicing said that because the forbearance happened during only one month ( XX/XX/XXXX ), and because the forbearance was so short, she thought it would be treated as a single forbearance. Also, the press release said the adjustment " will count forbearances of more than 12 months consecutive '' - and going by the plain language, I was in a forbearance during more than 12 consecutive months. 

Thanks so much for your help, and let me know what more information you need from me. 

XXXX XXXX from Dept. of Education : https : //www.ed.gov/news/press-releases/department-education-announces-actions-fix-longstanding-failures-student-loan-programs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After receiving my report I noticed a few items that were not mine

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 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-08-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
I don't recognize these inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
MY NAME IS XXXX XXXX MY SS# IS XXXX MY DOB IS XXXX I AM REQUESTING THE IMMEDIATE REMOVE OF A FRAUD ALERT FROM XX/XX/2018. I NEVER REQUESTED AN ALERT!!  I HAVE CALLED IN AND TRIED TO PUT MY INFORMATION IN ON THE experian.com/upload. IT WAS REJECTING SEVERAL TIME FOR UNKNOWN REASONS. I HAVE ATTACH A COPY OF MY ID AND SS# TO THIS CFPB COMPLAINT.  THIS HAS BEEN A ON GOING ISSUE. I AM TRYING TO CONDUCT BUSINESS AND IT KEEP GETTING STOPPED DUE TO THIS UNNECESSARY FRAUD ALERT THAT I NEVER REQUESTED!

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 2023-09-09
Company: Experian Information Solutions Inc.
State: FL
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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-30
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
For a year I tried to get best buy citi bank to listen to fraud claims and remove the charges. And for a year I was given the run around. I would still make payments and then in XXXX I proved I reported to police. Didn't receive the new card etc... I was in hospital and just found out from a representative that best buy citibank lowered my credit limit from XXXX to XXXX about a week after SOME OF THE UNAUTHORIZED CHARGES WERE TAKEN OFF.. I am told to wrote in to the citibank best buy credit department and I have been informed my card is now XXXX over the new limit which it wouldn't have been had I Still had the XXXX limit I thought I had. 
I have paid on time and there was no reason to lower my credit limit. This is a clear retaliation and I dont know what I'm going to do.but I do need something done In 2018 when I ordered something from a merchant. I sent in proof of emails showing I didn't receive the item and best buy citibankrequested those which u sent in. After I seen a letter saying I never sent the proof in I called and told them I had and have proof I sent it in with the fax confirmation and screen shots. When I sent thar in they still said o never sent them in and I just left it alone. This is the same story they use now. After I send in document and give them police phone numbers they still say they never received so I keep everything from recorded calls to faxes.

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 2023-09-09
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for forgiveness under the limited waiver or to get an updated qualifying payment count on XX/XX/XXXX  and there has been no update. I have not been able to contact a live agent despite multiple, multiple attempts, and my payment counts have not been updated. I have also lost my job and need a recalculation of monthly payments and can't even get anyone to help me with that. My IDR application has also been processing for almost a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia, XXXX ( XXXX ) XXXX XX/XX/2023 Dear EQUIFAX, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : US DEPT. OF EDUCATIONXXXX Amount : Closed Party Owed : XXXX XXXX XXXX Amount : {$480.00} Account Number : XXXX XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation