BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: YSA ARM LLC DBA Oxygen XL
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX sent me several notices regarding {$85.00} unpaid parking tickets. They are a private company who say they can charge for parking at downtown parking areas. There is no clear signage that these areas charge for parking nor any indication that the spaces are not free parking spaces. They then send {$85.00} parking tickets and demand if not paid, they will turn you over to a collection agency and report to credit bureaus. I tried numerous times to contact the company and you can't get in touch with anyone via phone, email or mail. The phone calls are never returned and the emails have automated responses. This is a complete scam. I then received a letter from Oxygen XL debt collector threatening to " use any information '' to help collect the 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 non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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:
THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX AND XXXX XXXX XXXX XXXX # XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.

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 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX XXXX XXXX XXXX  via the advertised website XXXX offering 62k bonus miles and it directed me to the Bank of America website to apply. Bank of America allows for current customers ( me ) to sign in to the page and apply with my on file details. In doing this it redirects you to another page in their system. 

I was approved for the card and completed the promotional requirements where I was awarded XXXX bonus miles. I contacted Bank of America and advised them of the discrepancy and they advised me that I signed up through there website and was only entitled to XXXX points. I went back and forth with several agents and was finally able to speak to a Supervisor who went on the site as I did and found the discrepancy of it redirecting to the Banks own promotion of XXXX points. She said she would process the additional points as I was expecting. 

I received a letter a few weeks later ( XX/XX/23 ) stating that I did not qualify for the additional points as I did not apply inflight. I called Bank of America and asked them what that meant and the representative said I had to fill out a paper application with the airline to qualify. The representative did not understand that there was a dedicated website to apply and that the inflight crews do not offer paper applications. I was advised the decision was final.

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 2023-11-29
Company: EQUIFAX, 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 recently submitted a dispute request to All 3 consumer reporting agencies regarding an account listed on my credit profile. XXXX XXXX XXXX XXXX I received a notification from XXXX stating that the account has been verified and updated. However after contacting XXXX they have stated in writing that they will be placing the referenced account into a restrictive status and they will not be attempting to collect anything from me. Now because their is nor evidence of indebtedness with XXXX XXXX XXXX the consumer reporting agencies have no business still reporting this unverified inaccurate information on my consumer report. I have included evidence that I have filed the proper complaints against the parties involved and that I am awaiting a quick response to my request to remove this information from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
XXXX received Note from XXXX XXXX XXXX XXXX XXXX received Loan Modification with XXXX becoming our Noteholder and Investor, then XXXX XXXX closed XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX filed Bankruptcy, XXXX # XXXX ( XXXX  ), then doing XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX and extinguished all securitized Bonds back to original date as of XXXX, per United States Security Exchange Commission Quarterly Report for XXXX XXXX XXXX ( Table of Contents Capital Structure and Management XXXX  XXXX  structure consists of shareholders equity and {$110.00} XXXX of term debt. Term debt of {$130.00} XXXX was issued on the Effective Date. This has subsequently decreased by a net amount of {$14.00} XXXX as a result of principal payments totaling {$23.00} XXXX net of XXXX XXXX which have been issued totaling {$9.00} XXXX. 
On the Effective Date, all shares of common and preferred equity securities previously issued by XXXX were cancelled and extinguished. 
As of the Effective Date, and pursuant to XXXX  Amended and Restated Articles of Incorporation, XXXX  is authorized to issue up to XXXX shares of common stock and up to XXXX shares of preferred stock, each with a par value of {$0.00} per share. As of XX/XX/2013, XXXX shares of XXXX  common stock were issued and outstanding ; no shares of its preferred stock are issued ) but XXXX XXXX then filed a Assignment of Mortgage XXXX, and there is no Mortgage, XXXX XXXX XXXX XXXX us a Loan Modification XXXX XXXX XXXX our Noteholder is XXXX since XXXX, and that they can not remove the XXXX because they sold the Serving Rights XXXX, in Error, per conversation with XXXX XXXX XXXX Representative on XXXXXXXX  XXXX XXXX XXXX XXXX has acknowledge they are not our Noteholder, but Select Portfolio Servicing who is actually Servicing for XXXX XXXX XXXX  refuse to put in paperwork to get Lien Released and to refund all Monies paid plus interest. 
Per Select Portfolio Servicing ( Account Holder is XXXX XXXX, as Trustee in trust for registered Holders of XXXX XXXX Certificates XXXX XXXX XXXX Also known as XXXX XXXX XXXX XXXX  ) .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert that PayPal via SYNCBPAYPAL made an inquiry on my credit report on XX/XX/XXXX for the purpose of Credit Transaction. This inquiry appeared on my XXXX  credit report. On Wednesday XX/XX/XXXX I reached out it PayPal and was told they have no record of the inquiry. I then reached out to XXXX and was today they do not file disputes on inquiries and was directed to reach out to FTC to file a report to delete the unauthorized inquiry.

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 2023-12-01
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Pursuing my XXXX XXXX degree at XXXX XXXX, Fl my Post 9-11 bill from my service in the XXXX XXXX ran out. I then had to use Private loans for the remaining 2 years at XXXX. During that time the service lender misrepresented the interest rate I would receive to me and my cosigner ( my grandfather ) and this was not noticed until the repayment started a few months after I graduated. I tried to speak with them several times and over many many hours to explain that I could not pay the XXXX dollars a month when I had no income coming in from my job. When I did get a job, I tried to convince them to put me into a payment plan that I could afford as I was paying federal and private and Sallie Mae continuously told me that they could not lower my payment. I then ask them to put it in deferment while I got a lawyer. I paid for a lawyer here in XXXX, Fl to negotiate with Sallie Mae. She met with me and told me that we could negotiate a settlement with Sallie Mae for over 75 % off the total loan amount. She then sent Sallie Mae a document that she was my attorney and all communications would go through her. I contact my attorney for a few years now and she says that Sallie Mae has not sent her the correct document. I call Sallie Mae and they say that they can not communicate with me or her. I am completely lost at this point and it has effected my credit for years now and I am unemployed. Is there anything you can do to help? Kindly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: SN SERVICING CORPORATION
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from XXXX XXXX XXXX SN Servicing Corporation, my mortgage company, dated XX/XX/21 with a demand for payment. The paperwork states that I have 30 days to dispute the debt. Instead of giving me 30 days to dispute the debt, I received a letter dated XX/XX/21 stating that they were beginning the foreclosure on my home and the sale is scheduled for XX/XX/21. They are proceeding on the foreclosure even though there is a foreclosure moratorium until XX/XX/21. I have also not been provided contact information or the ability to try to work out mortgage forbearance options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Subject : Dispute of Negative Information on My Bank Report To Whom It May Concern, I'm submitting this complaint due to the negative information that CHEX SYSTEMS has reported in my bank report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 
Account Information : Name : XXXX XXXX Account Number : XXXX Description of Dispute : To whom it may concern CHEX SYSTEMS is reporting a negative XXXX XXXX bank account with my personal information. I demand the removal of this negative item as the information is inaccurate or in violation of my rights as I do not recall opening a XXXX XXXX personal checking account.

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 2022-03-08
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I wrote correspondence to XXXX XXXX XXXX XXXX XXXX XXXX regarding an account under ARS Account Resolution for {$190.00} showing on my credit report. I disputed that this account was not mine and that I carried medical insurance during XX/XX/2018 I request iim proof of any debt owed and i never received a response. This remains on my credit report and is not legit. Please help me get this debt removed or proof of the account mailed to me. If you need anything from me, please call me ( 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 2023-11-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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 in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX XXXX XXXX  XXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account XXXX : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: DC
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 credit score doesnt reflect true score

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 2023-11-29
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XXXX XXXX venmo I had money put into my account and for some reason they suspended my account with no explanation tell me that their account specialist is supposed to email me back which never have even though they verified my identity they still suspended my account for some reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX Report # XXXX ID # XXXX please see attached and publish this XXXX once again lyed SEE ATTACHED the documents attached this reporting does not meet the fair reporting act

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 2022-01-31
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried several times to submit a dispute with Equifax via their website. The dispute page refuses to load. I have even called them for assistance. An account is showing up on my report that doesnt belong to me. I was an authorized user at one time. I do believe the account has been closed or the account number changed. Ive been trying to have this removed since 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian, XXXX, and XXXX are incorrectly reporting a collection that was posted on my credit score from XXXX XXXX XXXX XXXX  ( based on an unjust bill from XXXX XXXX XXXX  ). I broke my lease in XXXX of XXXX and only lived there for only 5 months. My apartment was left in the same condition as it was given to me but they charged me {$340.00} for painting, refurbishment fees. They have no proof that the apartment was left in poor condition to warrant this {$340.00} fee nor did I sign an agreement stating that Id be charged this amount from the complex if I leave the apartment in a particular condition. This collection has negatively impacted my credit score and XXXX XXXX XXXX XXXXXXXX stated that they will not delete this collection from my credit report, even though I paid the collection off. Additionally, XXXX, Experian, & XXXX are still reporting this collection on my credit even though Fair Collections and Outsourcing has no proof of the apartment condition or paperwork that I signed agreeing to pay a particular painting fee. Since XX/XX/XXXX, Ive filed disputes with the credit bureaus and nothing has changed. XXXX XXXX XXXX XXXX  needs to be held accountable for not deleting an incorrect and fully paid collection from my credit report. The credit bureaus also need to be held accountable for verifying incorrect collections information on my credit score.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; PA XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXXXXXX XXXX  XXXX Balance XXXX : {$460.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief