BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020 - Encountered numerous fraudulent international transactions emptying my account balance of {$10000.00} including {$190.00} of international transaction fees incurred in this activity. 
XX/XX/2020 - XX/XX/2020 - Several calls to file claims to resolve fraudulent transactions and was told the investigation would be completed by XX/XX/2020. 
XX/XX/2020 - Credit to balance applied to current balance {$9900.00} ( fees have not been reversed ) XX/XX/2020 - Have not received any correspondence about completion status of investigation. 
XX/XX/2020 - Called to inquire status of investigation, advised it was still open. I indicated fees {$190.00} were still outstanding and had yet to be reversed and was told the bank has to do that. 
XX/XX/2020 - {$190.00} fees have yet to be reversed and I have not yet received notice of completion of investigation.

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 monetary relief
Consumer complaint received 2018-02-21
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A medical collection attempt from Medical Data Systems. One is dated XX/XX/XXXX and the amount is {$75.00}. The other one from the same company is dated XX/XX/XXXX for {$66.00}. I have no records or knowledge of any medical services from those dates or those companies. 

I submitted a dispute and this company did not verify the debt. The accounts were removed from my XXXX report, but have yet to be removed from XXXX and 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 2023-09-11
Company: EQUIFAX, INC.
State: AL
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Notice to agent is notice to principle notice to principle is notice to agent. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative. 
without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore, you must remove all negative and adverse. 
remarks XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence. 
of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then. 
you must remove the account from my credit report.

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 2023-11-14
Company: Patient Accounting Service Center
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a letter saying I owed {$740.00} for a medical service I do not remember receiving. They can not tell me what it was for other than " office visit ''. Birth date on file did not match mine nor did the insurance. I never received any bill prior to being sent to ARStrat collection agency. 

Called to resolve XX/XX/XXXX They refuse to do anything to sort out the errors in billing and sent us on a runaround where 5 different people could not help us identify what we were being billed for. 

The agency can not provide a phone number to call to get information on alleged service received. The number they provided to me for XXXX XXXX  was their California office who has no record of me. I have never received medical care in California nor was I there in in XXXX. 

XXXX XXXX transferred me 5 times including to the XXXX XXXX XXXX near my address at the time in XXXX XXXX and nobody can provide details on the account both using my birthdate and the birthdate they had on file with the collection agency. 

After a 6th phone call using the Creditor Account Number from the attached document XXXX XXXX confirmed that the person attached to this bill is not me and that ARstrat has made an error. 

I also have XXXXXXXX XXXX  with my family and text messages records with a car salesman that confirm I was working on XX/XX/XXXX and left work early to go car shopping for my daughters that I can provide if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: VA
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, Account # XXXX has violated my rights. 

I have never heard of this company. The FCRA states that a consumer has the right to be notified if any financial institution submits or plans to submit any negative information to a credit reporting agency. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-08-10
Company: SAMUEL I WHITE PC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 Complaint of an Illegal Collection of a Mortgage Activity. 
1. Complaint Party Estate oXXXX XXXX XXXX Subject Property : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Complaint Action : Illegal Foreclosure Attempt. 
Date of incident happen : XX/XX/2022 XXXX. Sublet of Complaint Party Samuel I. WhiteXXXX P.C., Attorneys and Counsellors at Law Licensed in : Virginia, Maryland, West Virginia and Washington D.C. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tel XXXX ) XXXX XXXX, Fax XXXX ) XXXX 3. Questions on his attempt to foreclosure above property a ) Can Debt collector and Trustee be a same person? 
b ) Can a debt collector foreclosure a property? 
c ) Can a Trustee foreclosure a property with a broken chain of title? 
d ) Can a Trustee foreclosure a property with imperfect Deed of Trust and/or Note? 
XXXX ) Can a Trustee foreclosure a property without formal notice and necessary paper work to the Trustors ( in this case estate of deceased ) f ) If one of above is illegal, No one knows how many illegal activities he performed in the past but himself. An Investigation should be performed and give him a deserved discipline penalty for prevent further victims creation. 
g ) We remember his illegal and fraudulent collection activities in the past. 

4. XXXX XXXX XXXX above questionable collection activities put us a serious problem, please answer above 7 questions that we can decide to hire an attorney or not as soon as possible 5. XXXX XXXX, if you feel anything above questions are illegal, please stop, cease and cancel your collection activities immediately. 
6. The Authorities of above XXXX XXXX XXXX, reply us as soon as you can that well have enough time to prepare to answers XXXX XXXX XXXX questions. 
7. Contact a. Estate of XXXX XXXX b. Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Email : XXXX Thanks, Estate of 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 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had an auto loan through Capital one auto finance. My vehicle was a lemon, so the dealership had to pay me back for all payments made, and pay capital one auto loan off. Capital one auto loan was supposed to remove entire tradeline of credit from all 3 credit bureaus within 21 days of receiving payment from dealership. It also states that capital one auto finance can not ever report this to the credit agencies in the future. The counsel, XXXX XXXX signed said agreement on XXXX XXXX, XXXX. As of XX/XX/XXXX t Capital one auto finance reported the trade line as a paid charge off ( very negative on my report ) I tried to get approved to buy a vehicle XX/XX/XXXX, was denied and found out that the trade line had not In fact been removed as agreed upon in writing. 
Have attempted to dispute with all 3 credit bureaus, but they all reach out to Capital one for verification and Capital one auto finance tells them that this account is reported appropriately ( which is false per signed written agreement ) I contacted Capital one auto finance about this and they said they couldn't do anything because they are just the financing department and their dispute department is not taking calls. 

I have the written signed document attached and the pertinent areas are highlighted. Page 2 of 7 section 4 and continues on page 3 of 7. Along with signature on page 6 of 7

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received an unsolicited Visa debit card from Netspend/XXXX. I did not apply for this card nor did I want this card. I contacted them and they suggested my identity may have been stolen. I sent them a written notice of the fraud as recommended by IdentifyTheft.gov and did not hear back from them in the required 30 days to indicate that the account has been closed. I therefore do not know the circumstances that let to them opening the account ( the date, method, and what information was provided to them ) nor do I know if the account has been closed.

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 2023-11-09
Company: EQUIFAX, INC.
State: VA
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 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 ITEMS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have not received anything from Experian in regards to my credit report and XXXX report. They claimed that they would send out a report but I have not received anything. It has been over two weeks. I need my consumer report and XXXXL report. 

I've been trying to reach out to Experian, they have not given me access to my CONSUMER CREDIT REPORT and XXXX REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND XXXX  REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Experian has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND XXXX  REPORT. I am entitled to a free weekly report due to the current pandemic.

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 2023-09-21
Company: BARCLAYS BANK DELAWARE
State: IA
Product: Credit 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:
I purchased a hotel room through XXXX XXXX XXXX on XX/XX/2023, order # XXXX. XXXX XXXX XXXX advertised on their website best rate guarantee policy. I arrived at the hotel and the room was actually less than what XXXX XXXX XXXX charged at {$170.00}. I made a claim on the best rate guarantee on XX/XX/2023. In the morning of XX/XX/2023 the hotel room was infested with ants and bugs. I let the front desk know of the issue and they said they would let the bug guy know. XXXX XXXX XXXX posts on their website the procedure you have to follow to make a claim on the best rate guarantee. It lists an email address that you have to write to with the details. I did. At the end of that email is another email address you have to email and I did. Then there was another email to write to and that box does not respond and no one answers that email box. So I moved on to disputing the charge with Barclays XXXX, which asked for more information which I supplied by certified mail twice. Barclays card attempted to confuse the issue by disputing a different charge of {$170.00} which I did not dispute, that charge is paid. I asked for a refund based upon the published best rate guarantee by XXXX XXXX XXXX of which XXXX XXXX XXXX has dishonored their own published policy. I have spent XXXX hours preparing documents, printing emails, researching, mailing and making phone calls times {$400.00} an hour is {$1400.00} plus certified mails costs of {$9.00} and {$10.00} on the refund on XXXX XXXX XXXX order # XXXX of {$170.00}.

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 2020-09-29
Company: Experian Information Solutions Inc.
State: MD
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 contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to Experian, XXXX, and XXXX. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.

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 2021-12-03
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
HEY XXXX XXXX- TRY HARDER. 

Your responses to my previous complaints only illustrate how little care your company takes in addressing these matters. My concerns related to Square date back far before the transaction for {$3600.00} which you made the centerpiece of your response, however it was not actually even MENTIONED in the complaint you were responding to. While an error in your software did occur that day, a fact that you have XXXX  myself AND XXXX, the recipient of that transfer about until your customer service lackeys were blue in the face, again that transaction WAS AT NO POINT EVEN BROUGHT UP. 

This serves as further evidence that this transaction and my complaints about your software are the true reason for my banishment from the platform. In fact, you have all but admitted this with your response sobre again I DID NOT EVEN MENTION THAT TRANSFER IN MY COMPLAINT. 

You guys arent even trying to be compliant at cash app. CFPB are you getting this XXXX? Unbelievable! 

TRY HARDER!! And give me me XXXX account access back before I sue you. Your ridiculous terms of service are NOT LAW, as much as you might like to tout them as such, they are just made up words with no actual legal impact given that square is operating a de jure criminal enterprise. 

I mean you guys dont even pick up the phone XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: MO
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:
I had an auto loan with XXXX XXXX. I have been timely with all my payments, for 4 years straight. In 2020, I had an accident that totaled the car out. My parent insurance company, XXXX XXXX, paid the larger portion of the remaining loan, about 85 %. My GAP insurance company paid about 10 %, and I had the remaining portion at about 5 %. My last communication from XXXX XXXX was a letter dated XXXX XXXX, 2020, just telling me that my different options for paying off the {$810.00} that was left. There was no timeframe for which I had to get it paid, nor any threat or communication at all regarding reporting it to my credit as a closed account within 90 days. I had purchased a new car in XX/XX/2020, so I had a new car payment. Given the new car purchase, I was not able to make 2 car note payments, so I was trying to figure my finances out. I expected for XXXX XXXX to contact me with a bill, as they have done monthly for 4 years. They never contacted me again, and then all of a sudden, XXXX XXXX, 2020, they reported to the credit bureau that the account was closed, as if I refused to pay it! I was informed by my credit monitoring service on XXXX XXXX, 2020, which was a Saturday. I immediately called but they were closed. I called first thing Monday morning, and asked about options to reverse what they had reported on my credit. They refused to change it, and offered me a settlement. I immediately paid {$480.00} of the {$810.00}, and they accepted payment and told me to dispute the credit report. I filed disputes with all 3 credit bureaus, and as a result, XXXX XXXX is now showing I paid a settlement, but that they charged off over {$2000.00}! This has caused my credit score to be lowered by 75 points! XXXX XXXX  did not give me the notice that this would adversely impact my credit within 90 days, and did not give me the opportunity to pay the account before choosing to publish this on my credit report. I think that is an unfair business practice, especially after I have made on time payments to them for over 4 years. Nothing in my payment history suggested that I would not pay the remaining portion of this bill.

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 2020-02-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing this debt because I do not owe it. 

XXXX XXXX XXXX, XXXX illegally reported this debt of {$6300.00} which was not justified. I asked them to delete it from my credit report. 
We have contacted the company many times : XX/XX/XXXX Mail from the law firm XXXX, XXXX XXXX XXXX, XXXX declining our request to get the refund of our security deposit. 

XX/XX/XXXX Mail sent to XXXX XXXX XXXX XXXX : Demand for Security Deposit back and to remove the credit report. 

XX/XX/XXXX Mail sent to the law firm XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX with all the elements ( lease agreement, complaints, pictures ) requesting for the refund of our security deposit and to remove the credit report. 

Doc 22 : XX/XX/XXXX Mail sent to the law firm XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX : requesting the full refund of our security deposit and to remove the credit report. 

XXXX XXXX XXXX, XXXX violated our contract ( no smoke policy ) and did not meet the requirements of our Lease Agreement. XXXX XXXX XXXX, XXXX reported this bad reference that was not justify and did not remove bad credit reference, which was not justify regarding the Notice of Entry of Judgment which is attached to this complaint. The judge found sufficient violations of no smoke policy to justify termination of the lease. 
XXXX XXXX XXXX, XXXX also violated the California law sending the " move-out statement well beyond the required 21 days ''. 

Thank you for your attention to this matter. 

Sincerely,

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