BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-06
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:
XXXX XXXX and XXXX  monitoring found me in these following data breaches : XXXX  Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XXXX, and XXXX Reported XXXX. I am disputing the following information due to it being incomplete and inaccurate. I've submitted disputes for the past 10 months with documentation supporting my claim of identity theft. 

This Credit agency has refused to comply and do their just diligence with removing fraud from my credit report. I've requested they show me how my claim was investigated which is my right under United States law, this was completely ignored thus violating my rights and breaking the law. Each time I Called the company directly to speak to a specialist after I explained the situation I was hung up on my their representatives,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019, I bought furniture and the furniture was to big so they took it back to the store. So never received the furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: MI
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 XXXX Acct # 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 2023-11-26
Company: Experian Information Solutions Inc.
State: VA
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:
Letters were sent to the consumer reporting agencies in regarding student loan late payments. According to the United States Code, those requirements have been met. I am asking for immediate removal of those late payments.

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 2021-07-03
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( Name Of Provider ) for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. 

Also I send a debt validation to collection agency and they failed to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The lawfirm of XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, XXXX. represent XXXX XXXX and XXXX XXXX regarding the purchase of an RV from XXXX XXXX XXXX XXXXXXXX XXXX financed by Bank of the West. The RV was returned to Grand Design on XX/XX/2023, while XXXX XXXX has continued making payments to Bank of the West while we work on his case against XXXX XXXX and Lazy Days. Since XX/XX/2023 we have been calling and emailing Bank of the West Loss Mitigation Department XXXX and customer service at XXXX requesting a short payoff regarding this loan. 

It is impossible to receive a call back or speak with anyone who will assist regarding this loan. Attached please find copies of our third party authorization, emails I have sent and details regarding this loan. 

Today I spoke with XXXX at the customer service number XXXX, she refused to give her id number. Transferred me to the loss mitigation department where only a recording tells you to leave a message. I called customer service again spoke with XXXX ID # XXXX, explained to him that no one returns my calls nor responds to my emails and I asked him to please put me on the phone with a supervisor, he agreed to do so, placed me on hold, and after a while passed the call simply disconnected.

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 2023-01-09
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My Payment due date is on the XXXX of every month, due to pay periods not lining up I have had to pay on the XXXX of the month. Conns home plus will start contacting the day after due date and continues to call all numbers provided starting at XXXX calling multiple times a day. Today XX/XX/2023 I have received XXXX calls to my mobile phone and XXXX calls to my work phone. Last month I received nearly XXXX calls within a 4 day period. This is harassment and shouldnt be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX 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.

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 2022-08-12
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been doing business with PayPal since XXXX, 2022. I have always delivered my products to customers. I have updated tracking. They permanently restricted my account and are holding {$1800.00} from me for XXXX days. I am not able to purchase my customers products or receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchase a large amount of gift cards every year for company use. Sometimes there are a few left over after holiday and they are locked up in office for further use. 
One leftover card was given to an employee for good work around XXXX of XXXX. The employee ( XXXX XXXX reported that there was no balance left on the card. Since the envelope was sealed and in locked place, it seemed impossible. I called Amex gift card and was told that the card in question was used to make purchases such as XXXX in XXXX! I asked for a full accounting and was told I had to go to website. In the interim she gave me a case # XXXX. I went to website and tried several times. It said card information was unavailable - call phone #. Called again, spoke to XXXX who told me that she did not have access to these transactions. I asked for Supervisor. She said Supervisor does not have access to these transactions. I tried to e-mail and received the same reply five times - " Unfortunately, your claim has been denied. If you would like to review your transaction history visit the website or call customer servivce '' ... I kept e-mailing back to say I had done this but did not get an answer and I received the same exact language reply over and over. The last time I aske to be connected to a human ( I'm guessing AI gives the same exact answer over and over... ) And now have no reply. I purchased {$3000.00} in gifts cards on XX/XX/XXXX and on XX/XX/XXXX. The card in question was in the amount of {$250.00} and had a reindeer on the front. I have the card in my possession. I charged the cards on my Amex card and tried to dispute the charge but they said it was too old to dispute. I am beyond frustrated that someone used this gift card number fraudulently and there is nothing Amex will do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received the wire details from the lender for the closure on a property I was buying in XXXX FL. 
On XX/XX/XXXX I went to Wells Fargo XXXX XXXX in XXXX GA XXXX and I initiated the wire with the bank details I received on the email. The manager of the branch is the XXXXne who did the wire, she didnt confirm the bank details or account. Two hours later the secretary of the real state lawyer called me asking about the wire transfer, at that time I realized my email account was hacked. I contacted the manager of the WF bank and she initiated a recall process. Due to the long holiday the fund seated in the account but they were not refunded. The following Monday the manager of the bank contacted me with the information that the XXXX bank the recipient bank acknowledge the wire as fraud because of a name discrepancy. I was suppose to be credited back with all the money in 7-10 business days since the funds were on hold. 
By XX/XX/XXXX the money departed the XXXX and the fraudster was able to close the bank account. The Criminal investigation of the XXXX XXXX XXXX  confirmed the details of the person who opened the account which it was different to the one I intended to sent the wire and with all the details and clear proofs the XXXX bank still released the funds. I am being trying to recover the money and both bank are liable. The Wells Fargo bank FAILED to verify the bank details before sending the wire transfer, and the XXXX bank released the fund and lift the hold to an account that it was mark as fraudulent. The Wells Fargo as my bank is responsible for protecting my rights as a consumer and they should be liable to refund the money to me and charge the XXXX for the mistake, the XXXX  is ignoring this crime because I am not their customer and the Wells Fargo is leaving me unprotected, with this report I am here to request Wells Fargo to protect my rights, stand for me for this crime that took a place over 18 months and recover the money that the bank shouldve not allow to depart the account after the mistake of the branch manager. 

I have all legal documents including, police reports and investigation results showing the mistake of both banks, the XXXX bank did opened and allowed a fraudster to opene an account and relsewd the funds that were on hold marked as with fraud alert, but the Wells Fargo failed in verifying details with the XXXX bank before allowing the wire transfer to take place and did not stop the funds in time to be transferred to 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 2020-06-13
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On Monday XXXX XX/XX/2020, I used my Way2go prepaid card ( provided by Florida unemployment to receive my unemployment funds ) to tried to pay a bill via on the phone and my card was declined. I didnt understand why my card was declined the payment transaction so on Monday evening after several hours waiting on the phone finally Way2go prepaid card answer I explained to the Way2go representative that I was surprised that my card declined when I tried to pay my bill then Way2gXXXX representative told that my card had XXXX valance I said to her how I supone to have money. She said  that on Sunday XXXX my account show a withdrawal but I did not do any withdrawal on Sunday XXXX. Then she said that my card will be cancel and Way2go will sent a new card and sent a claim papers that I have to fill out and sent them back to Way2go. I agree to way the 3 days to receive the claim paper after 8 days I decided to call again to Way2go because I didnt receive the claim paper them the nightmare with Way2go started customer service are so rude and waiting time to answer minimum 2 hours. In a rude way a Way2go representative told that WHAT I think if I believe the claim paper will be at my home in 3 days!! He said that the paper will be in my home in 10 days so I asked if in 10 days I will receive the claim how long will be the process he said around 45 days. To hear that was unpleasant but I had no option that just wait. I receiveD finally the claim papers on XX/XX/XXXX I fill out them and sent by fax I call Way2go today to ask if the got my fax and customer representative say yes then she asked if I did police report and answered to her no because I didnt lost my card or someone stolen my card I have the card with me and I had until now no idea how someone can take money for my card if I didnt loss my card Anyway I told her if Way2go ti need a report police I will go right away to get one even still no understand how or why I suppose to say to the police that I wanted to get a police report because I have my card with me and I thrust way2go to hold my unemployment fund. Now after long day to run to the police department to do the report and got the number report I called again to Way2go to give the police report and after 4 hours waiting to be help on the phone WAY2GO CUSTOMER SER ICE SAID THAT MY CLAIM WAS CLOSED AND WAY2GO DENIED MY CLAIM. How it is posible! I didnt withdrawal any money from my account on that Sunday that Way2go go said. It is something weird I need help please Way2gXXXX suppose to do a investigation they have cameras in ATM machines I didnt do any withdrawal on Sunday XXXX I was at home. Please help me. I trust Way2go because the unemployment sent me the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is attempting to re-age a previous medical collection account that they purchased on the secondary market. The original medical debt was disputed due to improper insurance billing on the providers part. The provider failed to correctly collect payment from my health insurance and then sent my account to collections where it has been bought and sold for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: NJ
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 had a credit card with a company called XXXX. Payments were scheduled on autopay and no payments were ever late. Around XX/XX/XXXX, a company called XXXX XXXX XXXX acquired XXXX and took over all accounts including mine. Neither XXXX or XXXX notified me that this was happening, and XXXX additionally stopped my autopay without notice. I was completely unaware any of this had happened, and because the autopay was only a small amount per month I didn't notice that it had stopped drawing from my bank account. It wasn't until I reviewed my credit report that I discovered late payments to an unrecognized company ( XXXX ). I looked them up and they seemed like scammy company with a lot of complaints against them. I called them to understand the issue they explained the acquisition. The remaining balance they claimed I owed was significantly higher than it should have been. I asked them for proof of the original contract I had signed with BlissPay stating the terms and APR of the account, and they said they did not have this information and could not provide it. I also did not have access to the contract because the XXXX website was shut down so I could not log into my account. The initial person I talked to at XXXX ( I have his name ) also admitted that many customers were caught off guard just like me, many of the reported balances were inaccurate, and that some customers were even told they owed money even though they had already paid off their XXXX balances in full before the acquisition. I called multiple times asking to speak to a manager, and was given an excuse every time ( manager is at lunch, not in today, call back in an hour, etc. ). After weeks of severe stress, I couldn't take it any more and decided to just pay off the full balance to make the problem go away ( XX/XX/XXXX ). I asked XXXX, in exchange for me paying the balance in full ( including interest and late fees ) as my very first payment to them as the new owner of my account, to please remove the late payments reported on my credit report. They refused, and said I would first have to make the payment, and then file a dispute with the credit reporting agencies. I asked for a manager to call me back after making the payment so that I could talk to them further about the credit report and I was told they would. They never called. In XX/XX/XXXX, I filed disputes with Experian and XXXX. The Experian dispute completed today and the late payments were NOT removed from my credit history. The XXXX dispute is still in progress.

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 2021-10-23
Company: Collection Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was incarcerated during this time at XXXX XXXX XXXX XXXX ( XXXX ) This debt should of been paid by them it is their responsibility not mine I have full coverage insurance when not incarcerated the bill belongs to them they are legally require to pay not the inmate. This has hurt my credit and is not and never was authorized by me. I was incarcerated for 17 months with never being released to take care of my personal finances. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX XXXX then from XX/XX/XXXX to XX/XX/XXXX at XXXX prison in XXXX NM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The issue is I got a text claiming to be from Bank of America saying my account is frozen due to suspicious activity and gave me a link to click. 

Banks don't do that with a mysterious link. 

I logged directly into my bank account there was no suspicious activity nothing was frozen blocked, etc. 
Phone number is came from is XXXX. 
Bank of America : Your online account is temporarily locked due to suspicious activity. Please login and verify your information here : XXXX That is not Bank of America link , I do not click links. Bank of America uses 800 numbers, even though their nationwide I have a Virginia account so my numbers would come from a Virginia telephone number not Washington DC.

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