BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: Avadyne Health Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed on my credit report a collection from H & R accounts for a hospital bill I contacted hospital since I had not gotten any treatment. They stated that I had nothing outstanding with them. 
I contacted H & R and turned out the hospital visit was not mine but i was the guarantor i requested copies of service ect as I had not received anything this was XX/XX/2022 Contacted them again on XX/XX/2022 and they stated they still don't have details to send me my credit dropped XXXX points due to this and I don't have any info to review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Paypal Holdings, Inc
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank account was frozen by venmo for no lawful reason i Submitted all the documents they ask for Done everything theyve I asked they will not. Let me speak to anyone that can tell me the reason that my bank was frozen Done everything theyve I asked they will not let me speak to anyone that can tell me the reason that my bank was frozen or why my money is being withheld for me. They can not give me a time frame of reason, and bull manner wishes will be handled. They can not Done everything theyve I asked they will not let me speak to anyone that can tell me the reason that my bank was frozen or why my money is being withheld for me. They can not give me a time frame of reason, and bull manner wishes will be handled. They refuse to give me the number to the corporate office. They refuse to give me an email address or phone number and anyone I just speak to. They can give me such an information. It was frozen with XX/XX/XXXX. I I have been trying to getthe information since XXXX XXXX  XX/XX/XXXX an they keep given me the run around

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, Experian XXXX XXXX is obligated by the FCRA to report accurate accounting, XXXX has advised that ALL inquiries and collection acct reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, Experian XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Experian XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if XXXX, Experian XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX :, Experian XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX file number XXXX : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX Collection Acct XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Balance {$4100.00} Account XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( 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 2020-04-10
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:
I made multiple attempts to have the credit agencies remove the bankruptcy from my credit report as it is reporting in error. Under 609 and 611 of the FCRA they failed to provide me with the process of which they obtained this information from. They provided the furnisher, however, upon reaching out to the furnisher XXXX, they stated that did not have record of this information and they also confirmed that my file is suppressed with them therefore preventing them from releasing this information. Thus exposing the credit bureaus failure of actually verifying this information. My past two attempts to have the bureaus remove this I have been ignored. As of today, XX/XX/2020, I spoke to an agent named XXXX who claimed that this information needs to be disputed directly with the court which is completely FALSE. I have provided here evidence to support my dispute from both the furniture and federal court.

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 2018-11-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My original student loan balances were {$38000.00} and {$34000.00} when the loans were consolidated and I began my $ XXXX  monthly payments on XX/XX/XXXX. I continued making the $ XXXX monthly payments as agreed until XX/XX/XXXX, when I filed a Chapter XXXX Plan. The loan servicer told me that I should not make any payments until the Chapter XXXX Plan was completed and discharged. That same advice was confirmed by my bankruptcy counsel. The Chapter XXXX Plan lasted 5 years, during which I repaid the majority of my unsecured debt and continued paying my mortgage and car payments outside the plan. Upon discharge of the Chapter XXXX Plan, Navient advised me that it had capitalized 5 years of unpaid interest, effectively doubling the amount of the unpaid principal balance. 

I am now XXXX years old, unemployed and receiving a {$2000.00} monthly social security benefit, supplemented by a small IRA fund. My wife is XXXX and also unemployed. Neither of us have been able to find employment in our respective fields. 

Navient is demanding payments of {$1100.00} for 120 months, which will result in a total repayment of over {$150000.00}. Navient purposely advised me to stop my payments during the Chapter XXXX Pan so that it could charge me nearly twice what I originally owed on my student loan. I have repeatedly requested a smaller repayment amount from Navient to no avail. My IRA will be depleted before my expected lifetime expires if I am forced to make the demanded repayment amount ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to Flagstar 's mistake, I had to incur an additional {$200.00} charge. They now belatedly and incorrectly claim ( after initially basically conceding that it was their mistake ) it was my mistake. 

Here 's the background : we have a mortgage through Flagstar, and our property insurance is paid through escrow they collect. We purchased the property in XXXX of XXXX. In XXXX of XXXX, Flagstar accepted our property insurance policy ( in only my brother 's name ) and renewed and paid for ( out of the escrow ) our policy in XXXX ( with only my brother 's name ) and then now in XXXX they refuse to accept it/pay the renewal from escrow because my name was not also on the policy. 

A representative ( who was very polite ) first informed me over the phone that it appeared that they had previously made a mistake in renewing it. So, I reached out to my insurance agent to see what they got do and arrange for them to speak with Flagstar. I called Flagstar back and they informed me over the phone that they had renewed it in XXXX as a " courtesy '' but never told me they had just renewed it as a " courtesy. '' ( Nonsensically they claimed they " renewed '' it in XXXX as a courtesy as well, but that is when we first got the policy ). They then claimed that they 'd sent me three notices about this issue. Remarkably, they only mailed me a letter dated XXXX XXXX, XXXX informing me that they refused to accept the policy ; I received the letter on XXXX XXXX, XXXX, a Saturday and the very day the policy expired. The two prior letters were sent in XXXX and XXXX *prior to Flagstar 's renewing the policy with just my brother 's name*!. Now, because Flagstar refused to extend their prior " courtesy '' ( if that is even why they renewed it in XXXX ; their first customer service rep. told me it was likely renewed by mistake ) or at least notify me in a timely fashion, I had to pay an additional {$200.00} out of my pocket to extend the insurance so it could be re-submitted to Flagstar. When I tried to speak with Flagstar about what to do, they shouted at me repeatedly ( a different representative named XXXX XXXX and only recommended I buy different insurance. Remarkably, the money to buy the insurance is sitting in escrow. So, I had to pay out an additonal {$200.00} because of Flagstar 's error

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 2017-03-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Nissan Motor Acceptance Corporation is refusing to provide a copy of the lien release documentation. The account was paid in full XX/XX/XXXX and as of this date I do not have the proper documentation to be able to get clean title in Colorado. The documentation was sent to the wrong state XXXX and I am now unable to get title to my vehicle in the state in which the vehicle is registered. NMAC has known about our change of address and state change since fall XXXX, but they did not update their records or advise that we needed to do anything different to update the title information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2017-03-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Tried to get my free annual credit report thru Equifax. The security questions I was asked had nothing to do with me, so I was denied to see my credit report. Then, Equifax had a trial program for {$4.00}. So, I put in the same information as earlier, and what do you know, I was able to get my credit report. Equifax did the same thing last year, as well as XXXX. Well, I forgot to cancel the trial membership, and so I was charged {$19.00} for a month 's access to my credit report. This is done intentionally so people like me will pay for something, by law, is free.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spoke to Convergent Outsourcing Rep informed them that I do not owe the amount they are attempting to collect. Their letter reflects a balance owed in the amount of {$770.00} but the billing records they provided from the creditor XXXX XXXX indicate a balance owed of {$610.00}. There is no explanation for the difference. This clearly violates The Fair Debt Collections Practices Act. I also disputed the equipment charges in the amount of {$420.00} there is no description for what alleged equipment I am being charged for. This account was back in 2017. I do not have a receipt back that far. Convergent is still trying to collect the full disputed balance and has not even corrected my credit report which also violates the Fair Credit Reporting Act, Furnishing False info.

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 2019-06-18
Company: Lending Club Corp
State: OH
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:
Someone opened up fraudulent accounts in my name : XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX, XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX, Experian, and XXXX are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC

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 2022-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

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 2017-03-26
Company: Security National Automotive Acceptance
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car was repossessed by Snaac XX/XX/XXXX on a Friday. I made the payment the next day. I called to verify that they had received my payment. Snaac said that they did, but I would have to wait until Monday to talk to the department that handles repossessions. I called Snaac Monday and a representative informed me that my car was scheduled for pick-up to be taken to auction. She told me she would fax XXXX ( XXXX, Texas ) the necessary documentation to stop them from taking my car to auction. I called the towing company to let them know that Snaac would be faxing them said paperwork and that I would be calling back. Later on I called back and was informed my car was being taken to auction ( XXXX, Texas ) because they never received the proper paperwork to prevent them from taking my car to auction. I live in XXXX, Texas. I immediately called Snaac to find out why they did n't fax the paperwork, and the representative in the repossessions department informed me that she did fax over the paperwork. Either company did n't want to take responsibility for the horrible mistake that was made. I did n't get my car back for four days. The supervisor informed that any and all fees for repossession would be waived because it was their mistake my car was taken to auction. XX/XX/XXXX Snaac tried to reapply charges to my account for repossession fees. XX/XX/XXXX, I decided to retrieve a copy of my credit reports from all three bureaus. I noticed Snaac reported late payments and a statement to my report saying " redeemed possession '' months after the fact. It was recently added to my credit reports. I do n't understand why that is so many months later and after the horrible mistake that they made and penalized me for. This is what prompted me to submit a complaint. Snaac has phone recordings that pertains to this situation in their archives.

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 2022-05-06
Company: Direct Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an automated call from the number XXXX with this message This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello I'm being asked to report back to you which is a concern we have put a hold on your matter at your request that is a good thing but it has expired please call us back at XXXX we will be available until XXXX PM again the number is XXXX we do need to follow up for this matter will be taken out of our hands to pay online go to www.directrecoveryservices.com and click on the pay now link your account number is XXXX I am not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2023 my credit card was stolen. Immediately after learning that fraudulent charges were made and amounted to the total of {$810.00} I called Chase Freedom to report the incident, I spoke with a representative in the Fraud Department and explained what happened, I provided dates and amounts of the fraudulent charges. The account was closed, a new card was provided. I was also sent a detailed itemized statement that showed charges that were removed. These charges were later placed on the new card. 
I again called the Fraud Department to inform them that the charges were not removed but placed back on the new account. Their investigation did include charges that were made without my authorization at the locations specified in the report. 
I also filed a police incident report as requested and forwarded the information on to the banks Fraud Department. 
I am requesting that any and all fraudulent charges and other associated fees be removed from my account and a new updated accurate statement sent. All negative credit reporting information is requested to be removed and updated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to a stand alone Chase atm and deposited {$100.00} cash into the machine. After it took my deposit, the machine went blank and my deposit was not credited to my account. This was on Sunday, XX/XX/XXXX between XXXX in the XXXX. The atm is located in XXXX XXXX, MI on XXXX XXXX and XXXX XXXX. I took pictures of the screen at that time it was blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: OPTUM BANK, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Opum ( XXXX XXXX ) harassing me all of a sudden after XXXX years without no billing notification, mail or email notification telling me I owe {$100.00} in medical bills. XX/XX/22 and XX/XX/22 Optum XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is unjust billing practices after XXXX years without notification that these debt collectors are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. I am filing a complaint, I would like this to stop.

Company response to consumer: Closed with explanation