BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: NY
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:
Pursuant to 15 U.S.C. 1692c ( 1 ) ( 2 ) ( 3 ), the listed debt collectors shall cease all communication and remove all fraudulent accounts from my consumer report. The listed debt collectors have 4 days after receiving this notice to remove all fraudulent accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2023-07-27
Company: AES/PHEAA
State: PA
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:
I had my loans serviced through XXXX who then sold them to a different loan servicer. The history of my loan with fed loan has been lost. I was never contacted about this change or who my new servicer is. I contacting multiple services. I finally figured out where my loans are being serviced currently, XXXX. I have not received any response from the new servicer after I submitted my request for repayment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Capital One pre-paid crediting building credit card - After two years of good service with this company, I noticed a major change in how my payments were being processed. 
I would make a payment and my bank would tell me it was cleared and payed, yet Capital One would hold my payment for several days, sometimes weeks. They mismanaged my payments by holding them for a month at a time over the last five months. Several times I would called Capital One to verify my payment was received ( after verifying with my Bank that the payment was cleared ) and Capital One would add my Bank to our call and verify that the payment had been cleared. However, Capital One would continue to postponed my payment being available in their system ( remember this is a pre-paid card. I load the money and it should be available for my use within a few days ). Their representatives were rude to me on the phone when I tried resolving this issue time and time again. They would call my bank several times to verify payment the same payment and then still would wait several days, sometimes weeks to release the payment onto the pre-paid card. 

When I complained about this new practice of holding my payment for several weeks at a time the representative told me she could not help me and hung up on me. 

Due to this poor business practice over five months, I called Capital One and closed my pre-paid card with them. 

My credit score has now dropped over 100 points and my credit report shows a Capital One debt of over {$500.00}. ( You can not owe a debt on a pre-paid card. ) I would like to know how to get this off my credit report as it is drastically effecting my score and my ability to buy a home. Capital One has placed fraudulent charges on my credit report that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: WELLS FARGO & COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Wells Fargo, XXXX. XXXX XXXX sent a pre-paid debit MasterCard that was not ask for and this card had a balance ( {$370.00} ). Various calls to telephone numbers ; XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX only got computer voice with the select a number. No valid information received due to the card was not activated and a PIIN not selected. Wells Fargo does not have a financial facility in Hawaii. I have the paperwork received, the card in a folder labeled " fraud ''. Today 's date is XX/XX/2018. This prepaid ( non-reloadable ) is considered a mass-mailing to create accounts at Wells Fargo and this practice should be stopped. I would appreciate a letter from Well Fargo stating that any account created has been " close '' and there will be no future attempts to create accounts under my name, address for any financial transaction. Well Fargo should also remove my name from any " prescreened '' offers of credit from this company. I may be reached at 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TO WHOM IT MAY CONCERN : In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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 an 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2020-02-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by I.Q. Data International , Inc. about a debt they said I owed for not paying apartment fees. This seemed odd as I had no issues and a clean balance sheet from my previous apartment and they never reached out to me about any debts owed. When I reached out to the apartment, they had a system error which an employee created two leases under my name and then accidentally cancelled the lease causing it to give me 'lease breakage fees '. They quickly removed the fees and sent me proof of a clean balance sheet showing nothing owed. 

I responded to I.Q. Data International , Inc. in person by calling, asking who to write to ( which they told me XXXX XXXX at XXXX - the parent company ), sent them an email in writing on XX/XX/XXXX with the balance sheet and debt info from the apartment building and didn't hear anything for a year. 

Now, on XX/XX/XXXX, they are continuing to send me letters again about the exact same charges, probably hoping I'd have forgotten and that I will pay, and I've done everything as the consumer to prove that they are completely wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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:
My ex husband took out a car loan in his name only. It shows as a joint account in my credit report and that is incorrect. The vehicle was repossessed voluntarily by him. The account was with XXXX XXXX auto loans opened in XX/XX/2015. It needs to be removed from my credit reports.

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 2022-07-10
Company: EQUIFAX, INC.
State: GA
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX Account # xxxxxxxxxxxx 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedAFFIRM INC PBDJ****

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 2022-05-21
Company: Genesis FS Card Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried three times to fix this with this company. I had tried to dispute XXXXXXXX XXXX XXXX even through the credit bureaus. It comes back every single time as verified. I never received any information on how this could be verified as I have never had an account with indigo Credit card. I asked if they could please send me a signed application which showed that this was taken out. I never get anything. This has been on my credit report since 2019 and its not fair that they dont verify and can still keep the on my credit report. If they are collecting for Indigo MasterCard, they should have information. I was a victim of identity theft in 2019 and it may stem from this while I rented my home out. They were notified of this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Credit Karma, LLC
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My wife and I filed our taxes on XX/XX/2023 with XXXX XXXX. We opted for a refund advance and were required to open a Money Spend Account with Credit Karma, which my wife did. We received our advance no problem, it was for {$1000.00}. On XX/XX/XXXX the account was closed with no notice and the remainder of our tax refund was due to be deposited on XX/XX/XXXX. We tried virtual chat and was given a number to call so we tried that. We were told they could offer us no information and to look for an email which we still have never received. We made multiple attempts to talk with Credit Karma about the situation and have been hung up on multiple times, once by a supervisor named XXXX. The IRS shows the deposit as being accepted and still in Credit Karma 's possession, the full amount of the deposit was {$7100.00} this is before the advance and fees are taken. Credit Karma claims to not see any deposit and there is nothing they can do. The IRS gave us a trace number for the deposit and once again we were told by Credit Karma they could give us no information look for an email. This delay in receiving our money has forced my wife, stepson, XXXX  brother in law, and myself into being basically homeless, we currently are staying in a friend 's spare room. I just want our money. We paid for this service and they seem to be holding our money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX - XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), CXXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$5100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was a charge on my paypal account for XXXX that I didn't make. I had to cancel the debit card and report it stolen with the bank but paypal closed the case with no resolution - even after telling them I did not make that transaction. They stated after their review they found certain transactions weren't unauthorized. Ok, I think I know what I authorized and didn't. Then, just to see what would happen, I clicked on repeat this transaction and low and behold, that individual can no longer accept funds. Imagine that. So now it's apparently ok for Paypal to let your card get hacked and no be responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Affirm Holdings, Inc
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a few late charges with Affirm that are still on my credit report. I have paid the account in full, I was never notified of the late payments. This is bringing down my credit score, I have called the company and asked for the late payments to be removed and was told to reach out to the credit bureau that there was nothing they could do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed my dispute by phone on XX/XX/XXXX and then I received a form from bank that I completed, signed and then faxed back on XX/XX/XXXX. On XX/XX/XXXX, I called to find out status and if investigation wasnt completed ask why I hadnt received provisional credit as per stated on monthly statement under For question regarding account history, notice of errors, or preauthorized transfers it clearly says We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is an error, so that you will have the use of the money during the time it take us to complete our investigation. Its been >10 business days counting from date I faxed back their form. When I asked customer service rep why I hadnt received provisional credit she said not all account qualify for provisional credit and I stated # XXXX It does not say anywhere on their monthly statement or under their terms and conditions that not all accounts qualify for provisional credit and # XXXX per EFTA federal law under Reg E due to disputing an debit card transaction error I am entitled to provisional credit. 
But they didnt care.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Patient Accounting Service Center
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I presented myself on XX/XX/2019 to a small XXXX XXXX XXXX XXXX XXXX for a XXXX  that went under my XXXX  all the way to the XXXX ( I have a photo of before and a second photo of after I had to remove it myself if I am able to attach them later ) The Dr. looked at it and stated that he couldn't attempt to remove it and referred me to a XXXX XXXX. No care was given aside from taking the normal vital signs. Upon leaving, the secretary handed me a bill for {$1100.00}. In shock, I stated that I would discuss this with my insurance company. On XX/XX/2019 I received a statement showing a contractual write-off of {$470.00} and a balance of {$700.00}. I then contacted XXXX  several times over the next few months asking for an explanation and an investigation of this ridiculous charge. In the end they stated that there was not anything they could do or would do to decrease or to wipe out the balance. I was forced to make a payment of {$50.00} on XX/XX/2019 as to prolong the issue. XXXX  then turned it over to a collection agency of whom I called to explain the situation. Again, nothing was done. I made two more payments to them and now they have turned it over to another collection agency. The balance is currently {$450.00}. I would like to have XXXX looked into for their outrageous process of billing when not providing any care.

Company response to consumer: Closed with explanation