BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: D.S. Erickson & Associates, PLLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from this debt collector on services never rendered to me. If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.This is in violation of the section 146.002 of Texas law that states that, the health care service provider may not recover from any other individual who, because of a family or other personal relationship with the patient, would otherwise be responsible for the debt. You are also in violation of No Surprise Act ( SB 1264 ). Provide me dates and services rendered. I am not aware and did not have the services provided. I am requesting that, you allow me to validate the alleged debt. I am unaware of these debts and need you to provide a breakdown of all the bills. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission nor have services performed by the company listed to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Engaging in debt collection without filing a bond with the Texas secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex.Fin. Code 392.402. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it, may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX 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 XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
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: Investigation took more than 30 days

Complaint:
I have reached out XXXX  the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed XXXX  represent anything validate on my 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 2019-01-19
Company: Student Loan Debt Agency
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to a college that is no longer open and went bankrupt and I can't go back to school or get a better education so I can provide for my children but I don't have a monthly income I don't even get any money and I'm trying to go back but this has been stopping me for years and not to mention I didn't even finish the semester and I can't find anyone to help me with this issue thanks XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a statement of account for XXXX XXXX XXXXXXXX XXXX from XXXX XXXX. 
I dispute this debt and all claims contract according to 15 USC1692g. Validation of a debt. Also the account has been closed. I rebuttal the XXXX XXXX account because I do not owe this credit card statement and this is a true bill of commerce. Also XXXX XXXX has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. 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 explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2023-06-07
Company: OneMain Finance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My original loan payment is {$730.00} per month. I entered into a loan modification for 6 months starting on or around XX/XX/2023. I was only supposed to pay {$360.00} while only accruing 6 % interest so I could catch up on some payments due to financial hardship and make some additional payments to pay down my balance. I have paid a total of {$1400.00} in 4 of the 6 months so far, which should total {$2200.00} at the end of six months after XXXX. Only 3 months were honored ( payment amount only, interest still charged at over 22 % rather than 6 % ) under that agreement and now I am told I'm late {$400.00} which is half of my original payment amount plus late fee ( XXXX plus XXXX ) and I imagine there will be more coming. I have proof that this agreement was made with modified payment amounts and supposed to be at 6 % interest, but it has been at over 22 % ( see attached ) the entire time. One Main has told me on multiple occasions that they recorded the original phone call in which these terms were stated, but they have conveniently misplaced the recording. I am being cheated and have been told multiples time by supervisors that a correction will be made for the past three months. I have been harassed, lied to and cheated. I have never received a return phone call from any of the representatives or supervisors I have talked to, only told that I would hear back within a couple of days to no avail. At the end of my modification they are trying to make me pay additional payments and interest in the amount of {$1100.00} ( XXXX for past due payments for 3 months ) and also for late fees which will total {$110.00} ( {$36.00} for late fees for 3 months ) until this is resolved. Please work with One Main to reverse the current {$400.00} they are saying is overdue and reduce my loan amount according to the agreement that while I am in a modification according to the 6 %. Please also correct the unjust interest charged to my account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This item was identity theft, FTC police report was filed, i ten was removed then re-added to my credit report. This is my second time filing a police report and I have been blocked and ignored by both the bank XXXX XXXX and experian. I would like this issue resolved as I have now started the litigation process with the XXXX  XXXX XXXX team 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 2023-10-05
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXXXX/XX/2023 my XXXX and I entered the Ashley Furniture XXXXStore at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After browsing and finding a bedroom set we liked, we decided to purchase that day. Our sales representative, XXXX XXXX, assisted us with the purchase and asked if we'd like to finance the furniture. We told him that we were NOT interested in a store card, or a XXXX  card of any kind. XXXX assured us XXXX XXXX XXXX times that the financial product offered was NOT a XXXX card of any sort, but an interest-deferred personal line of credit through XXXX bank akin to a car loan or personal loan. This was not the case, and XXXX XXXX mislead the XXXX XXXX XXXX XXXX was selling on behalf of XXXX Bank for Ashley XXXXStore 's and his own personal gain/commission. 

After providing my personal information to XXXX and XXXX XXXX to open the personal line of credit, I started to receive notices of a new XXXX card hitting my credit report In the coming days/weeks, with 100 % utilization at that. I never provided affirmative express consent for opening a new XXXX card with Ashley XXXX. I currently have other cards with far larger limits and better spending benefits I would have used instead had not been mislead by Ashley XXXX and it's employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

The letters are stated with items and issues.

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 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 explanation
Consumer complaint received 2022-12-29
Company: MoneyLion Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has been using my personal information to open accounts without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: MO
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's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Wells Fargo customer off and on since XXXX. I have had car loans and checking and savings accounts. I reopened a checking and savings account and did so two plus weeks prior to my deposit issue. Unfortunately, the local XXXX, VA branch of Wells Fargo closes at XXXX XXXX. on Fridays including the drive thru. I submitted a check deposit through the ATM and it was verified. The check being deposited was a Wells Fargo payroll check going into my Wells Fargo account. They have placed a hold on the check since Saturday, XX/XX/XXXX. I am told that they will not release the hold until XX/XX/XXXX. Under law, I am to the understanding that they can only hold a check for seven days. That I was told by XXXX in their customer service department was also a company policy. XXXX tried to say that on their end, it showed the hold being placed on Monday, XX/XX/XXXX. My documentation shows otherwise. I can not get anyone to help me with this and feel that not only is this poor business practices but also violating laws which in the past Wells Fargo has done and lost court cases to. I would like some help in getting this resolved as they are unwilling to help.

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 2023-05-17
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:
I submitted a complaint last XX/XX/2023 and last XX/XX/2023 the companies involved responded. Some got deleted but there are STILL fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2022-06-14
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX. In XXXX, the XXXX rolled out their Public Service Loan Forgiveness program, which by all standards, was an epic fail. In XX/XX/XXXX, our incredible XXXX XXXX and amazing COO of XXXX XXXX recognized the need for a limited waiver. With that waiver, we are able to consolidate into a direct loan, use prior periods of repayment and receive forgiveness on the loan balance after 10 years/120 payments. I had been paying on my FFEL loans for over 15 years and was one of the folks in the XXXX settlement as well for being misled and lied to. I have done all asked of me by XXXX and Fed Loan Servicing to take advantage of this waiver, yet there are no updates, no communication and now servicers are being transferred when I am at the finish line, yet they claim no disruptions which is totally untrue. They have my approved employment, proof of over XXXX payments from XXXX XXXX XXXX XXXX XXXX my loans are now direct loans and now still 30 days later, I have heard nothing. When I call, I get " just keep waiting '' yet on the XXXX site they claim " XXXX will review a borrowers account when it contains two pieces of information : at least one Direct Loan and at least one approved Employment Certification. When both conditions are met, XXXX will review the borrowers account. XXXX will identify all new payments to be added and instruct FedLoan Servicing to update the account. If any conditions of the account change, XXXX will re-review the account. Borrowers at or over XXXX payments will get priority reviews regardless of when their PSLF forms were approved. '' I am humbly asking XXXX XXXX to help get involved on my behalf. I do not want to ping pong between servicers and be kept continually waiting for forgiveness that I have rightfully earned. PLEASE HELP, I am begging you and really exhausted with this constant run around and finger pointing without any help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent accounts, personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. I am a victim of XXXX Data Breach.

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 2023-06-08
Company: U.S. BANCORP
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I paid off my US Bank line of credit account by a settlement amount offered to me by US Bank on XX/XX/2023 in the amount of {$240.00}. it was paid in time with the time limit they offered me. Payment was made through XXXX XXXX XXXX XXXX. I received a letter in the mail from XXXX saying my account was paid and resolved and I still have a copy of the letter. On my credit report the account shows being paid and closed. My credit score has not been updated and when I dispute this with the XXXX XXXX, they say the information they have is accurate and that's not correct. I have disputed this XXXX times now and get the same answer.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted multiple complaints before for the fraudulent Bankruptcy. But now, I am submitting a new complaint for the UNAUTHRIZED and FRAUDULENT Inquiries because there are MULTIPLE fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ( a ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Creditor did not provide options to opt-out of reporting. 

Obvious violations

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