BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-10-26
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Discover Card account XXXX reports me as a " Authorizer Purchaser ''. 

I know nothing about this account. I never signed for the account, I have never used or charged on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: NC
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. The lists of accounts below and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX XXXX  XXXX : XXXX Account Name : XXXX XXXX XXXX  XXXX : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : xxx Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account Num : XXXX Account Name : US Dept Education Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights XXXX XXXX U.S.C 1681 section 602 A states I have rights 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 items 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 2023-10-23
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, I am a XXXX XXXX and I XXXX XXXX XXXX in XX/XX/XXXX with 4 unsubsidized and 4 XXXX XXXX  loans. The unsubsidized don't enter repayment until XX/XX/XXXX. However, the XXXX XXXX loans entered repayment on XX/XX/XXXX. 

I was unable to make an account from XXXX due to website issues with Aidvantage, my loan servicer. I finally was able to log in on XX/XX/XXXX and saw that my XXXX XXXX loans had entered repayment on XX/XX/XXXX and I was receiving past due notifications for {$3100.00}. However, I had meant to apply for the XXXX program, as I am not able to afford this in XXXX. My XXXX XXXX counselor helped me. We discovered that using the Aidvantage website, I was unable to apply for XXXX using my tax information from last year, which would make my payments XXXX because of XXXX income last year. I was only able to set up SAVE using my tax info when I directly went to XXXX. 

Now, I have to take care of this false balance of {$3100.00}. It was not supposed to enter repayment until XX/XX/XXXX, like my unsubsidized loans, and then should have been {$0.00} per month because of XXXX. So I needed to address this with Aidvantage or apply for a 6 month post enrollment deferment to have these charges undone, however I was not able to get into contact with Aidvantage. I was on hold for 2 hours twice without getting into contact with anyone. I tried to schedule a call back from the website, however every available slot was grayed out and so I was not able to do that. I have not heard from them, and I am concerned because I am worried about being reported as having late payments to the Credit Bureaus. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The problem is the quick security text feature that PayPal has adopted. This small little Road blocked looks small and not very intimidating. But once you encounter it and it's like a virus that goes through your dang account it is infuriating cuz it helps you at every attempt to use your own money in any way shape or form on your account it stops you it's XXXX it is a system tied to your phone number which is used for verification of Who You Are but the glitch in the system is most everybody these days if using a family plan and when you have a family plan there's only one name tied to the account. Leaving it impossible to do an adequate or even a mediocre Security check or identification this system is flawed and needs to be replaced and my account needs to be restored to full capacity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received calls from Medical Data Inc. stating I owed a debt of {$2300.00}. I requested a breakdown of service and fees including collections and medical charges. 
In addition, provide a copy of my signature with the provider of service to release my medical information to Medical Data Systems , Inc. with no success in validation. I sent out letters requesting validation of debt to Medical Data Inc. in writing 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 explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: NV
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and CAPITAL ONE BANK USA with no successful resolution. All 3 bureaus are me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Identity was stolen and I'm not sure if my inheritance was at this bank

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-07-05
Company: SUNTRUST BANKS, INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I filed a complaint with CFPB on Suntrust XXXX which Suntrust as usual denied claim and CFPB did nothing, since then Suntrust abrupyly closed my account I have no access to my funds and my funds are not returned they can not illegally hold my money they are Suntrust angry I filed a complaint with CFPB and I told them I would file a complaint with the Federal Reserve, Suntrust has XXXX American mangement I am XXXX they descriminated against me 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
Consumer complaint received 2021-03-14
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & XXXX ; XXXX XXXX XXXX XXXX ''. XXXX XXXX XXXX reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX. XXXX XXXX XXXX has not notified me via mail or phone call for the debt in question. XXXX XXXX XXXX has not provided verification of this debt and has not responded to any phone call correspondence. 

On XX/XX/XXXX Online Information Services reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & XXXX ; XXXX XXXX  collection department ''. Online Information Services reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX XXXX NY. I received a letter from ONLINE INFORMATION SERVICES on XX/XX/XXXX in regards to the debt in question. I sent a request for verification to Online Information Services on XX/XX/XXXX by certified mail, the following agency has not provided debt verification within the legally obligated 30 days. 

XXXX agencies are trying to collect on the same debt that has not been verified when verification was requested. Both collections agencies are reporting these accounts as negative collection to all credit reporting agencies. This is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has my credit score of XXXX, a drop of XXXX point from last time. 
That the same time my credit score for XXXX is XXXX, and for XXXX is XXXX. 
I try talking with Experian, however that always hang up after 30 minutes on the phone.

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 2021-04-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REFERENCE MY COMPLAINT NUMBER XXXX : 1. EXPERIAN DID NOT REPLY TO MY SPECIFIC COMPLAINT AT ALL!!!!! Instead, they replied with a form letter, something they probably send to everyone who makes a complaint about hard inquiries on their credit reports. This is completely unacceptable. 

2. Experian 's form letter does not address my specific complaint, which is that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX did NOT have a permissible purpose to check our credit because if Experian had warned me that I needed to wait a couple hours between the time I used its automated system to unfreeze my credit report and when it would be safe for XXXX to check my credit, these three companies would never have checked our credit reports. It is Experian 's failure to do its job - the simple task of giving me complete and truthful information - that allowed these three companies to check our credit. Again, this was NOT A PERMISSIBLE PURPOSE to check our credit.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is information on my reports which are causing financial harm to me and my family. I have sent disputes to each of the three Credit Bureaus in an attempt to update the following items. 

XXXX Account Number : XXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2022-09-15
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 the Company Names and Account numbers listed below has violated my rights. 

account number XXXX XXXX XXXX XXXX {$820.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXXXXXX {$840.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Also, listed below are two accounts ( * ) that were ( inaccurately ) listed twice on my credit report.

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2021-03-14
Company: Rent Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX sued me and acquired a judgment against me in XXXX with out me knowing. At the end of XXXX I contacted Rent Recovery Solutions and paid that judgment. I contacted Rent Recovery Solutions as well as XXXX XXXX asking for them to file the satisfaction of judgment and they keep refusing to do so. Because of this I can not get approved to even rent an apartment or get a mortgage. I tried sending proof to the court and I was told that the debt collector or the original creditor are the ones that need to file the satisfaction of judgment with the court in order for the judgment to go away. They charged me some made up fees saying I owed somewhere along the lines of {$3900.00} initially and then claimed that I owed them {$2400.00}, when in reality the judgment was only granted for {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
First, I pay health insurance through my husband employer, and we have had XXXX XXXX as our primary insurance for over 20 years. What I understand about the process between the doctors office and the insurance is that there is a contracts between my provider, which is XXXX XXXX and Doctors facilities. In addition, I do have a secondary insurance through XXXX, which my provider is XXXX. I always make sure that after 20 years of problems to make sure the doctors office has all my insurance information, which includes the doctors office having a copy of both insurance cards. XXXX is my primary insurance. Im positive that is what I told XXXX XXXX billing. 
When I started to received bills from this office, I just threw them a way at first because I figured that this had to be a mistake and that they would eventually get everything straightened out on their end of things. Then I called the doctors office an asked what this was about. The employee was rude and disrespectful the whole time on the phone. The man whom I talked to in the billing department said that back when Covid was going on their employee who did the billing didnt come back to work, while I am thinking, I can not do anything about the doctors office procedures in billing. I literally can not produce invoices or file claims for a business of medicine to my insurance for payment because I dont know medical codes. 
Once I give the insurance information correctly to the billing office and because they have a contract with the insurance company, it now becomes a communication problem between the provider and the insurance company where I dont usually get involved. Knowing that the Doctors office has experience and good people who knows how to file claims to the insurance provider. If the doctors office make a mistake, usually filing XXXX first, when denied they turn around and file the claim with the other Insurance company, which always pays first. I have found out through XXXX XXXX and talking with XXXX XXXX on a chat call about this bill where she said that XXXX XXXX and XXXX  XXXX office had never even filed a claim. I also found out that the doctors office must file the claim within an agreed time frame which they give up to a year to file with special circumstances. Also, the Insurance company pays the agreed amount between the two business not just what the office charges. According to XXXX the contract states that the provider agrees to correctly submit the claim in the amount of time given and that the balance is not required from the patient because the doctors office did not file within the time allocated. Please look this up on XXXX website..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been disputing a fraud charge with Bank of America since XX/XX/2023 ; the claim has been denied twice. Attached you will find a timeline of actions taken and supporting documentation. Sadly, I know exactly what I was doing the day of the fraud charge. My family experienced a death by XXXX at approximately XXXX XXXX on XX/XX/2023 ( the day of the fraud charge ). I made phone calls to family members, ordered food, made a delivery of food to the parents of the XXXX victim, and spent most of the day at their home. I can provide witnesses that will attest to these facts and my phone records will show the calls I made that day. I appreciate any help you can provide in disputing this fraud charge. Thank you!

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 2022-10-25
Company: Experian Information Solutions Inc.
State: PA
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:
Fraud accounts appearing on 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