BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Revco Management, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Revco Solutions put a collections account on my credit report. I never received anything from this company and do not have an account with them. So I mail them a debit validation letter on XX/XX/XXXX  ceritified mail wanted something with my signature on paperwork, dates of procedures and anything they had. Received a response today from Revco Solution with items from my medical records on a procedure from home health care provider XXXX XXXX/speciality and medication that I received and they injected into me in my home. It was on a XXXX  letter head not Revco Solutions also had my health care insurance number on it. I don't have an account with Revco Solutions and I Never signed anything for a release of my medical records or procedures from either of these two companies which violates my civil rights under HIPPA. No where does it say that I owe Revco Solutions any Money or even have an account with them. I would like to have Revco Solution remove the collections from my credit report, I not I will sue them for violating my HIPPA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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 XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A.States I have rights to my privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
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:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BETWEEN XXXX AND XXXX, Inquires 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions. I believe this is a fraudulent action that has been made. There has not been any investigation to tied these accounts to me. I have no accounts related to these to hold them under my name or credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NY
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:
I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Kikoff Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023, I realized my account with Kikoff was closed and I didnt get a notice until after it was already closed when I checked my email. I was going to pay for my copay for the eye doctors because I thought I had a scratched eye. They seized all the money I had at the time and I almost couldnt be seen to fix my eye. It wasnt for my friend I couldve went XXXX since I couldnt pay for anything and I was sitting there looking stupid. I tried calling calling there support number but it kepted asking for a card number or my ssn. The automated voice couldnt recognize neither since I guess my account was already closed. So I had to email them in which I had to wait 2-3 buisness days for them to reach back to me and it states At this time our fraud team has investigated the account and has processed a closure of the account due to inconsistent information found. We do regret to inform you that this action is permanent and will need to refer you back to your financial institution for any further action on funds sent to the account. 

We thank you for your cooperation in the investigation and wish you well on your financial journey. I find that to be crazy because I can verify all of my information. All they needed to do was contact me! As of now I dont have any money and I have to open up another account for my direct deposit. They wont give me my {$220.00} until XX/XX/XXXX. I need that money because I am supposed to be going on vacation soon. This is all an inconvenience to me and its not fair because I actually liked using them as a bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Over the past 5 years, I've been trying to dispute incorrect information that the reporting agencies are posting on my credit report. Ive never authorise the businesses that are posting debt item on my report, I've never conducted business with or ever communicated them with them. And each time I report to Equifax and XXXX they further post falsified information and report these items as new. I feel thru violating my rights, protection to privacy of my sensitive information and allowing falsified information on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a notice of taxes not paid for 2020 ( school taxes ) I called freedom mortgage on XX/XX/XXXX to let them know they had not paid my taxes for 2020 even though they had taken it out of escrow. A week later I called them back to check on the matter and they said to call back XX/XX/XXXX. So i called back and had to talk to 8 different people until i could find someone willing to look into it. In the mean time I also called XXXX tax office and found out that freedom had sent a check in XXXX for the wrong amount so the check was sent back and they never put the money back into my escrow account and never resent the proper amount ... the original charge was XXXX cents they only sent a check for XXXX and when it was sent back never fixed the issue. They dont seem too concerned with helping me and now the tax bill is over XXXX this is so.embarassing for me. I have never been late on a bill ... also very stressful because where is my XXXX? I really need help with this matter thanks so much

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 2023-10-24
Company: Harpeth Financial Services, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Advance financial is the original debtor who turned me over to a collection agency called XXXX XXXX XXXX, XXXX. The balance is XXXX. The agreement was stated that if I paid XXXX they would write off the balance. I did pay the XXXX did not receive anything in writing of the agreement and they continue to hit my credit ever month for the last 8 years. The original debt is 7 years old but the collection agency has 3 years and 24 months. I am asking that this account be closed with good standing and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
TransUnion, Please see below and attached - there was a fraudulent hard credit inquiry pulled due to identity theft that needs to be removed as soon as possible : XXXX XXXX XXXXXXXX

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 2023-10-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 Section 602. States I have the right to privacy. 15 USC1681 section 604A ( 2 ), it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

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 2023-06-08
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer Great Lakes was directed by their parent company Nelnet to transfer all loans to the Nelnet administration which was done without the permission of the person loaned to ( myself ). All autopay have been cancelled, as of today I still can not access or pay towards my loan. I can not even register a new access account at Nelnet until they register the transfer Contacting Nelnet today - XXXX XXXX XXXX XXXX at Nelnet XXXX, Nelnet does not have my loan information. They will not provide me access to my loan. I can not pay towards it nor can I pay it off. Basically according to their records my student loan data is lost within their questionable system. 

I need immediate access to my loan so that I can pay off its balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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: Account information incorrect

Complaint:
It is my understanding that one late student loan payment can drop your credit score almost 100 points. I had 17 late payments on my two loans, that were errors acknowledged by XXXX. 

On or around XX/XX/XXXX, XXXX submitted a correction to the CRA 's to update my accounts. The following late payments were removed and to be marked as current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX from each loan. That equals the removal of 16 late payments ; which appear to be reflected on my accounts with each bureau. 

However, my score has not changed at all? My payment history % has improved significantly ... .but my score has not. 

I was expecting to see some increase in my score and was hoping you could provide an explanation as to why there was no change. 

Thank You, 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 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Yesterday XX/XX/XXXX I called Capital One to inform them of hardship due to covid19 and they said they would make my monthly payment XXXX  and extend my payment date. Instead they suspended my card and did not extend my payment date. I called the same day around XXXX and talked to a supervisor who refused help me until I threatened to make a formal complaint. She then placed me on a 5-minute hold and returned to the call and said she apologizes and that she found out that the previous representative did not put in the hardship and that she was making my monthly payment to XXXX and extending my payment date. She told me that my car would become active and that it should be active almost immediately. An hour later I check my online account and my car was still not active and my payment wands still not set to XXXX. I decided to wait until the next day to check it. On the XXXX of XXXX the card was still not active and my payment amount still was not set to XXXX for the month nor any extension applied. I called in and the rep refused to help me as I told her that I was recording the line per MI 750.539c wiretapping law. She said she could not continue on a recorded line and so I asked her to suspend her recorded line. She stated that she could not and after checking with her supervisor hung up on me. I told her prior to that that I would drive to Indiana ( 13 miles south ) and record her without her consent as Indiana is not a two party consent state.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I had a negative XXXX $ in my account when I woke up on the next morning I had a positive XXXX $ in my account when I called they teller informed me that was my balance so I spent the money when I woke up the next morning they put me in the negative XXXX XXXX plus dollars and said that it wasnt my money. so they made me pay the full balance its a recorded conversation for this proof Just a week later it happens again and now my account is in the negative balance and they trying to make me pay when I never spent money on a negative balance they trying to say I didnt have the funds in my account when I went into the negative I have proof that I had money on my account at that time I have a screenshot of that date XX/XX/2023 that I had XXXX $ too spend which should of cover the cost of them transactions Sincerely yours XXXX XXXX Thanks for your time

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 2021-10-25
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent letters to XXXX, XXXX and XXXX on XX/XX/XXXX  regarding fraudulent collection items on my credit report Medical Data System IncXXXX XXXX XXXX XXXX  XXXX have violated my FCRA & HIPAA rights. This is a violation of my rights due to providing medical data & information. I've disputed these items with the XXXX reporting, and FTC. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these fraudulent collections are preventing me from doing so. These the items i would like to be removed : Medical Data System Inc Amount {$1200.00} Date Opened : {$1200.00} Medical Data System Inc Amount {$2800.00} Date Opened : {$2800.00} These are violations of my FCRA right and against law : 15 USC 1692c ( a ) - without the prior consent of the consumer given directly to the debt collection, a debt collector may not communicate with a consumer in connection with the collection or any debt 15 USC 1681a ( 2 ) ( b ) - I demand this account to be excluded from my consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) - I demand this account to be removed ; the sharing of medical information and payment transactions for medical products or services is a violation 15 USC 1681b ( 4 ) - I demand my medical information to not be disclosed 15 USC 1681c-2- I demand account to be blocked from my report due to identity theft.

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 2022-08-12
Company: DISCOVER BANK
State: NJ
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:
There was fraud on my credit card in the amount of {$10000.00} I paid not knowing it was fraud they did the investigation and found it in my favor and told me on XX/XX/XXXX that the investigation was closed and I can ask for a refund for my over balance of {$10000.00} they told me it would take 12-14 days which is today on the XXXX of XXXX I spoke with the fraud team and they told me it was found in my favor and I can request my {$10000.00} refund I did now they are holding my money using it for new charges but wont issue me a refund for the {$10000.00} after they told me everything was done and my refund would be issued today XX/XX/XXXX I paid my mortgage my car everything because I was promised my refund now they are denying it making everything bounce in my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX  I sent a letter in regard to unknown and inaccurate items on my credit report. I have yet to receive a response and it has been well over 30 days. I cant help but to feel done wrong because my attempts of reaching out to dispute these items are being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been well over 30 days since I have sent in my dispute with no response. I demand that these accounts be deleted immediately, or I will be forced to file for litigation due to the disruption of my everyday living caused by the companies involved. My information was affected by the Experian data breach and could have been used by a random person with ill intentions. They are violation my consumer rights via Inaccurate Information 15USC 1681 ( B ), 15USC 1692 ( g ) ( a ) ( a ) Notice of debt ; contents, In accordance with the Fair Credit Reporting Act this creditor has violated my consumer rights under 15 USC 1681 sec 602 states I have a right to privacy. 
15 USC 1681 Sec 604 ( A ) Sec ( 2 ) it also states a consumer reporting agency can not furnish my accounts without my written instructions.

15 USC 1666 ( B ) a creditor my not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

15USC 1602 ( J ) ( K ) ( J ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. Attachments : Letter to Experian and my identification.

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: JPMORGAN CHASE & CO.
State: TX
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 received a JP Morgan Chase Freedom Unlimited credit card that I did not applied for. I contact Chase Customer Protection Group at ( XXXX ) XXXX to report someone fraudulently applied for this credit card. The customer service representative acknowledged my complaint and advised this was most likely fraud and identity theft, and confirmed that she had closed the account and would be mailing supporting documents to me relating to the fraud, as well as to obtain credit bureau reports. I obtained a XXXX XXXX credit report online and noted an inquiry made by JPMCB Card Service on XX/XX/23, which may be the date the criminal applied for this card online. I have no accounts with JP Morgan Chase and have not apply for any credit cards.

Company response to consumer: Closed with non-monetary relief