BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been disputing with XXXX, XXXX ad TransUnion since XX/XX/XXXX and have not gotten anywhere with them so this is why I'm here. 

All 3 credit reporting agencies have failed to conduct a re-investigation which is a violation 15 USC 1681i ( a ) ( 1 ) ( a ).

The following accounts have the following violations and need to be removed from the credit report : XXXX XXXX with Account Number XXXX - This account was deleted from XXXX and XXXX is still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) XXXX was notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX is reporting this still if this is the case. 

XXXX XXXX with Account Number XXXX This account was deleted from XXXX and XXXX and TransUnion are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX and TransUnion are reporting this still if this is the case. 

XXXX with Account XXXX XXXX violated 15 USC 1681s-2 ( b ). They have failed to provide account-level documentation after being contacted by the credit reporting agencies regarding my dispute and violated 15 USC 1681-2 ( a ) ( 5 ). The date of the last activity is incorrect. XXXX is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and TransUnion is XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.

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 2022-11-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022 I set up an international transfer to my account in the XXXX. The amount in USD was XXXX. According to Chase the amount to be transferred was XXXX GBP. They have held up this transfer for XXXX hours for review and now, according to XXXX currency exchange XX/XX/2022 this amount should be XXXX GBP. 

Although I realize that Chase is a business, they need to be a lot more transparent with their transfer fees, exchange rates and hidden costs. 

They are also holding up my transfer for 'review. ' Again, with absolutely no explanation as to why and I will not receive the adjusted amount for today 's exchange rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated or removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
Company: AES/PHEAA
State: MA
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:
Fedloan stated that they processed my refund for my student loans, but I have yet to receive a refund after 3 months. I followed up with them many times. I also recently learned they switched my servicer to XXXX and I will have to start the process all over again, delaying the process and causing me to possibly pay interest on loans that were already paid off and requested to be refunded due to the new forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Student Assist Plus LLC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This company ; Studen Assist Plus contacted me when I finished with my online schooling in 2015. They asked me about being able to pay my loan and told me they was a student forgiveness program. I would pay them {$29.00} a month and as long as I'm enrolled it will take care of my student loan. I asked the company where is the {$29.00} going to and they told me it was their fee, I also asked what happens to my loan when I am finished with this program and was not given an answer. I really didn't think too much about it until I spoke with a representative from XXXX since they now have my loan after the last company no longer has it. Also the whole time that repayments have been on hold because of covid I have paid Student Assist Plus the {$29.00} a month, so again where was the money going to and why was I paying this when there was a freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid 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:
On XX/XX/2018 I purchased a brand new XXXX from XXXX using my XXXX  XXXX XXXX credit card for a total of {$590.00}. The item number on XXXX is XXXX. The PayPal transaction ID is XXXX. On the listing the seller stated to have had the phone fully paid off as well as having a clean IMEI number. The phone was received brand new and functioned properly for 2 months. The phone stopped functioning in XX/XX/2018 because XXXX blocked the phone from having cell phone service. I contacted XXXX and they told me that the phone had been blocked due to the phone not being paid off. I reached out to PayPal/XXXX immediately and submitted a dispute. I received a response a few days later after they completed their review and they said the case was not decided in my favor. They stated that the " seller had sufficiently described the merchandise ''. I submitted proof from XXXX to them that the phone is not functioning because it is not paid off. Clearly, their decision is erroneous and this transaction was fraudulent. The phone is completely non functional and it's not for any reason of my own. I am requesting a reimbursement of my purchase in the amount of {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: NJ
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 HAVE SENT XXXX LETTERS TO EXPERIAN TO REMOVE THIS ERROR FROM MY CREDIT REPORT EVERY MONTH THEY HAVE STILL SAID THAT THE ITEM IS CORRECT. 

I EVENTLY WENT TO DISCOVER AND THEY SENT ME THE LETTER SAYING THAT THE ACCOUNT WAS CLOSED XXXX  YEARS AGO. BUT EXPERIAN IS STILL REPORTING IT AS OPEN I WANT THIS REMOVED! I HAVE ATTACHED LETTERS Please correct this account. As I have asked that this be removed due to the fact of the errors on the reporting. This account was closed back in 2020 so how do I have a late payment on this account? Also I did not give permission for anyone to report this on my personal credit file. So someone is creating a fraud within the Experian reporting. 
I am requesting that this be removed within XXXX hours from receiving this information. This proves that you did not do an investigation like you said, because if you did then it would have been caught and removed when I asked you to do it. Why did I the consumer have to request the information and then send it to you? 
This is because someone lied and reported this. 
There fore I demand that this item be removed within XXXX hours of this letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
All student loans are paid in full/zero balance. This includes DOE XXXX XXXX, Navient ( now XXXX ) and XXXX. The balances are reflected as paid in full/zero balance on the credit report, however, the accounts are still showing as delinquent and negatively impacting my credit score. XXXX informed me that the credit bureaus had been notified in XX/XX/2022 that all balances are paid in full/zero balance yet XXXX on XX/XX/2022 informed me that Navient ( now XXXX ) is still reporting as delinquent. I would like all delinquent accounts that are paid in full/zero balance to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: CMRE Financial Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company waited the full 60 days, to the day ( XX/XX/XXXX to XX/XX/XXXX ) to submit feedback- which is false information. 

First, I want to address how they said my balance was from prior XX/XX/2019 - I wasn't even at my first XXXX appointment until after that date, so this definitely is incorrect. 

I am also attaching another EOB showing a claim my insurance denied- I do not have to pay for balances denied by my insurance so if this is what they are trying to collect that is illegal. This entirely situation is shady and unethical. I had XXXX as primary and XXXX as secondary - which is why my letter from the doctors office showed XXXX would finalize any outstanding balances and my ledger was to be {$0.00} at all times. 

XXXX covered retroactive balances. I was not billed for any balances, and the office had notification and gave me a confirmation letter I did not owe any balances and would not in the future owe balances because I had XXXX coverage. Sending my account straight to collections without billing me in XX/XX/2019 was also referred to send to XXXX for coverage, which they failed to do. They shouldn't be sending accounts straight to collections agencies, despite knowing XXXX is covering balances- this is absolutely unethical and unjust. This balance is absolutely incorrect and falsifying information. I sent proof, and am attaching it again, from the office I owed {$0.00}. I have done everything I needed to do for my coverages and balances, it is not fair to make up an amount, ignore insurance, not bill properly and directly harm people. 

The company is ignoring my previous writings to send the amount to XXXX, which said they would retroactively cover balances 3 months prior to XX/XX/2019. They also admitted to receiving my collections account in XXXX - XXXX bills were ever sent to me from the doctors office, which means they sent my account immediately to collections- all while telling me and giving me documents showing a {$0.00} balance. This is unjust. 

Nothing has been resolved. They did not look into my case, I attached paperwork with my submitted complaint showing {$0.00} ledger and letter of {$0.00} balance due to XXXX. There is no balance per the submitted paperwork and this amount needs to come off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Chime Financial Inc
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I sent a {$590.00} payment on my Chime card to my wife. Before she was able to claim it someone stole our phones. That night I emailed Chime and live chatted with Chime and let them know what happened and filed a dispute. Within 30 min and me not even having time to send in supporting documents, they denied my dispute. I told them to appeal it and sent in the police report, witness statements and some more documents On XX/XX/XXXX they told me Id receive a credit by the XXXX I never received it. Then on XX/XX/XXXX I received a email that they denied it. I asked for paperwork and never received it. Since then I have emailed Chime on XX/XX/XXXX, XXXX, XXXX, the XXXX, XXXX all the way up until today for paperwork and someone to reach out to me and Ive heard nothing. I have kept every single email and paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
When sending money out of your PayPal account to a 3rd party, they present you with multiple funding options. Regardless if you select your PayPal balance OR select your " linked bank account '', the system clearly states, " the money will be sent right away '' for both options. However, when sending via the linked bank account, after you click " send payment now '' the system says that the payment has not been sent instantly and instead will be pending for 5-10 days. Additionally, there is no way to cancel the payment and the PayPal customer service is aware of this misrepresentation and says the system has been broken for over a month. Customer service also refuses to cancel the payment even with their " broken '' system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to reach XXXX XXXX XXXX to discuss this matter since XX/XX/XXXX with no response. Someone from their A/R department claims they will call me back. I have received collections notices from AmerAssist regarding an outstanding bill for {$130.00} that no one in your office seems to know what this bill is for. 

I have attached proof of insurance coverage from my previous employer for the months of services rendered listed in the documents provided by AmerAssist. 

I have also attached a notice of separation due to Covid-19 from my previous employer. I also recall notifying XXXX XXXX XXXX that my dental coverage would be ending on XX/XX/XXXX and we would not be able to continue receiving dental services from you since your office does not accept XXXX ( both my son, XXXX & I were covered under XXXX Dental through XXXX effective XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-12-15
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost my social security card and few years back and I checked my credit report and noticed their were two accounts recently opened under my social security number and I tried to dispute those accounts so they can be closed and off my credit but its saying the account stuff is accurate and I physically went and opened those accounts when I never have any acknowledgment of these accounts even being opened in my name. Someone else is using my social security number without my permission and charging things to my credit making it go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I use to have a Bank of America bank account until I closed the account due to fraudulent activities as cashing checks that I never wrote, now years later I receive a credit card that I thought I may have applied for I couldn't recall, come to find out it was fraudulently applied for and now Bank of America is saying that my social security is connected to a deceased person. Well I am not deceased I am alive and well and wanting Bank of America to be held accountable for the constant mishandling of personal information.

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 2023-01-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I reviewed my consumer reports and noticed that i had a debt added to my credit that doesnt belong to me in fact this debt has violated the CFPB LAWS 15 U.S CODE SECTION 1681 A ( 3 ) restrictions on sharing medical debt.

15 u.S CODE 1692 e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
These companies reporting his false debt are also discriminating against me and our hurting my chances to move foward in purchasing a property for me and my children. 

By law any debt that is not 100 % accurate should be removed and i have requested that on several diffrent occasions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: V and H Portfolio
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debit was through XXXX XXXXXXXX XXXX XXXX we had disputed that and it went off the credit report and now Vance and HuffmaXXXX took over the debit and put it back on my credit report after successfully removing it off the credit report before.

Company response to consumer: Closed with explanation