BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. ( copy enclosed ) because I do not belleve I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

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 2023-03-23
Company: MOHELA
State: IN
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 am writing with respect to my PLSF waiver. I have worked for an eligible public service institution since XXXX. I have made full payments monthly since XXXX ( with XXXX until consolidation in XXXX for the TPLSF ). When the TPLSF waiver was initiated, I immediately consolidated. It was at this time, after consolidation, that I learned that over 5 years of payments were not included. Those periods of payments were during a time that I returned to school to further my education. Despite my effort to continue my payments and status as normal, I was caught in an automated process between my institution, the department of education, and my servicer ( XXXX ) and I had no way to proactively protect myself and my account from harm of being placed in in-school deferment and that my payments which were made in full, on time, and in good faith. The program that I was in was almost exclusively an asynchronous program meaning we didn't have class/lecture together and was meant to be done around a full time work schedule. The full-time status opens up more opportunity for students to qualify for financial aid, but it also results in automatic in-school deferment. As a result, over 60 payments are not counting towards my waiver, and if they were, my loans would be forgiven. Theoretically, the PLSF waiver was created for this purpose : to waive loans after 120 payments towards their student loans all while working at an eligible Public Service Institution. I did this. I accomplished this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Credit Service International Corp
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I was informed of a medical debt of {$150.00} to XXXX XXXX. I informed the collection representative that this was double charged based on the medical code from the doctors office that submitted it. I was called in XXXX or XXXX and asked more about the insurance not covering this charge. I was never informed they will send to collections. 
This is a medical debt under {$500.00} and collection agencies should not be reporting it under new FCRA guidelines. 
I looked and the Credit Services Intl does not have this as a medical collection on my credit report so they lied to the reporting agencies about type of debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: FMS Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get several missed calls and then when I do pick up I am hung up on and this time it was from phone # XXXX on XXXX @ XXXX pm XXXX. I called back and asked for a supervisor to find out why people are calling and hanging up on me and to the nature of the call as well. 

Repeatedly when I would ask a question I was responded to with a question. When I finally spoke to a " XXXX '' who claimed to be the supervisor he said he was with FMS and they are an asset management company. I had repeatedly asked if this is a " debt collection company '' for which again I would receive either no answer or a question back in response. 

This is very shady and deceptive to say the least and all I could gather from the call and from speaking to XXXX is that FMS is an asset management company and he said he was located in XXXX. 

I do have my call back to FMS and XXXX recorded and am more than happy to provide a copy by whatever means necessary. 

XXXX ended the call by asking if I wanted my number removed as if this was a telemarketing call. I told XXXX I am well aware of the FDCPA laws and and believe this is a collection call so I told him to " cease and desist '' not even knowing if in fact this is a collection call but simply due to the lack of information being provided by FMS XXXX XXXX, it just feels like a typical shady collector call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX Credit Card through Comenity Capital Bank. 
This card was opened fraudulently by my ex-wife ( without my permission ). She charged over {$2000.00} right away. I tried to keep up the payments when we divorced but the finance charge of 30 % and the monthly penalty charges made it impossible to make any advance on the balance. The bank has more than doubled their investment and all the balance is now is finance charges and late fees. I feel this bank is a " payday loan '' facility in the astronomical charges and fees. I tried to work out a deal with a flat fee and they are not interested. I feel this company needs to be investigated. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, On XX/XX/XXXX I mistakenly sent a XXXX payment of {$1000.00} to the wrong recipient XXXX XXXX XXXX ) XXXX. I immediately contacted her and let her know that I mistakenly send her the funds and if she could please return them. She said she opened a case with TD Bank Case # XXXX. I also opened a case with my bank XXXX Bank XXXX number : XXXX. XXXX says the funds are not in her account, and TD Bank is in possession of the funds. XXXX claims they have been unsuccessful in retrieving the funds. I called TD Bank to sort out the recovery of the funds, but they are unwilling to assist. The recovery ID on TD Bank is XXXX XXXX Any intervention will be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to get this derogatory off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To who it may concern, I am requesting that 13 late payments for the account ending in XXXX be deleted from my credit report ASAP. I communicated with Capital One regarding my unemployment status between XXXX. Capital one refused to work with me during my hardship and now my credit has negatively been impacted. Upon gainful employment, I paid my account off in full, however Capital one is refusing to delete the late payments. 

The law states that at no point should there be a late payment reporting to my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. I never gave any consent for these alleged transactions. 

These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b/ Please reverse these late payments from my consumer report and update this account as soon as possible. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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:
Date : XX/XX/XXXX XXXX XXXX XXXX Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX *** ** XXXX ( social security )

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 2023-03-23
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: MO
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 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX Balance : {$15000.00}.

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 2024-01-26
Company: Aargon Agency, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Aargon Collection Agency is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with Aargon Collection Agency and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal.

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the CDIA 's nearly annual CRRG, which stipulates that any deviation from these standards risks compromising the integrity of the data.

I contacted them 4 times ( 2 mail, 1 email and 2 via mail ) and I never got the information needed. They also have a notarized letter coming to them that they can not ignore or I will file legal action.

Please DELETE ASAP!

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 2023-03-23
Company: W&A Intermediate Co., LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 XXXX : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$460.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX  Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX : Bankruptcy Date Filed XXXX. XXXX XXXX  Reference Number XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: AZ
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:
XXXXm 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance  : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XX/XX/XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$660.00}. 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Reached out to collection company and would not provide any information of hospital. Also requested itemized letter and never receive even after agent stated would expedited but never received it. In accordance with the Fair Credit Reporting act. 
The account below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX account # XXXX under 15 USC 1681, 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
COLLECTIONS/ CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION. 

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL

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