BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Credit Solutions, LLC (KY)
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving an invoice from a so-called debt collection company for medical procedures that my Insurance company said they did not bill me for. When I call the number on the invoice to talk to someone, no one answers, and a recorded message from a woman who sounds like she has been smoking for 100 years says I have to leave a message. I did not leave a message because I already called my Insurance Company to find out that all of my pathologies were sent to a completely different company. Plus I was not at the doctors on the day they claim the service was completed on. The letter implies it wants you to reach out to them so they can obtain additional personal information on the person they are scamming. The only info they have is my address which is public information. I just wanted to report this so others do not fall for this same scam. 

Information from the invoice includes : Company Name : CREDIT SOLUTION $ LLC Collection Amount : {$240.00} From : XXXX XXXX XXXX Date of service : XX/XX/22 NC XXXX XXXX XXXX XXXX # XXXX Account # XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: AR
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 contacted the collection agency XXXX and paid for deletion. This account is still being reported as open, with a balance. I have submitted proof of payment along with a dispute for inaccurate reporting. Next will be litigation, if not resolved in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Problem with personal statement of dispute

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Credit Card : # 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 suppose to modify accounts that isn't reporting correctly.

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 2018-06-06
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX has been calling my families, friends, clients, former employers several times over the the past years. I have contacted the company several times, both in writing and phone calls, to contact only me and stop contacting anyone else. On XX/XX/XXXX they called my client 's number trying to get a hold of me. The call was forwarded to me and I hung up right away because it was inappropriate to call me at such places. I contacted the company back within an hour requesting that they stopped calling others except me and requested a debt validation letter. However, they company said that my account was already closed and there was no record of anything or calls with them! However, on XX/XX/XXXX, they called the same client again from XXXX. The same company that claimed I no longer have an account with them is continuing to harass others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: MS
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-13
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:
XXXX XXXX an XXXX Company shared my information with XXXX XXXX  without my authorization or consent which led to me being denied credit my privacy was violated by XXXX XXXX and it's inaccurate credit reporting because I also have no knowledge of the Auto loan with XXXX XXXX  I never gave permission for any of my personal information to be shared with anyone and my information has been shared with third parties more than twice it's a violation by federal law I have the right to fair credit reporting and right to privacy

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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
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:
XX/XX/2022 call through XXXX said I needed to set the account right on my credit card and they said they were from XXXX then from Bank of America Fraud dept. They told me to purchase gift cards to fix this problem. I had never heard of anything like this. They had set up a fake XXXX page that looked exactly like mine with recent transactions too. But they changed the phone number. When I called it was not XXXX at all but some slime balls in another country no doubt..I got scammed plain and simple. 
Credit cards both said they would back off the charges but then they stuck them back on as of XXXX XXXX, 2022. This will cause me some hardship to be sure ... .Liars and big corporate greed.

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 2023-02-14
Company: JPMORGAN CHASE & CO.
State: NE
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/XXXX, I purchased a vacation package from XXXX XXXX XXXX. They required a payment of {$420.00} which I paid that day and it posted to my Chase credit card on XX/XX/XXXX. My second payment of {$380.00} was made on XX/XX/XXXX, and posted to my card on XX/XX/XXXX. My vacation package was for XXXX XXXX cruises XXXX XXXXXXXX XXXX hotel stays which can be used over the next XXXX years via XXXX # XXXX XXXX. I was promised XXXX different destinations for my hotel stay such as XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and much more. On XX/XX/XXXX, I called XXXX XXXX and was told that my first hotel stay had to be in XXXX. This was a red flag and I wanted to cancel my package as I have family near the other destinations mentioned and I have been to XXXX  so many times I didnt want to go back. XXXX XXXX would not honor their original offer nor issue a refund. As such, I called my card issuer in XXXX XXXX  XXXX and Chase said they would look into it. Then they basically told me that they had a recording of me saying I agreed to the terms and conditions so they would not fight these charges for me. I felt defeated but wasnt left with much else of an option except to use the certificate for XXXX  so I could take advantage of the remaining vacation trips. So in XX/XX/XXXX I called XXXX XXXX and was told that they changed the name of their company and I have to pay them additional funds to book anything at this point. They are not willing to honor anything without me giving them more money which is complete fraud! I called Chase back and they told me that my original complaint wasnt even submitted as a vacation package. It was submitted as a time share which is not the case. The supervisor XXXX agreed that I should receive a full refund. I am requesting a full refund from Chase as they did not protect me from the beginning when I warned them of the consumer fraud and my initial chargeback was filed incorrectly. Ive been with Chase for quite a while now and at the very least this should be done as a onetime courtesy credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21
Company: EQUIFAX, INC.
State: WI
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:
Since XX/XX/XXXX, I have been trying to have Equifax and XXXX to update my credit report, delete unquiries XXXX XX/XX/XXXX and accounts older than 7 years old. Equifax still reporting a collection that I am no liable for, even after evidence from my health insurance has been submitted showing I have no responsibility. Equifax per information submitted to my previous complain stated that they verify my name but did not acknowledge the insurance evidence, the collection needs to be removed, I also notified the bureaus that on XX/XX/XXXX, my license, social security cards were stolen, there have been inquiries to my credit even after I placed a freeze and yet the bureaus have failed to prove that it was in fact me who made the requests. And lastly they are reporting accounts that are more than 7 seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have been paying this for a year and should have paid the loan off. They have sent this to a lawyer who I do not owe

Company response to consumer: Untimely response
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$330.00} reported XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX / XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX Received a call from a processor saying they are trying to serve me papers. XXXX XXXX from XXXXXXXX XXXX XXXX  sent a letter their address on letterhead is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called TD auto finance they informed me that the loan has been paid and to ignore the call. I called XXXX back and informed him that I can not find any information regarding this information, and he told me that I am doing the research because I do not want to pay. I informed him that I do not want to be scammed. Tole me that I will be getting served next Friday. and that I will have to pay more. they are suing to put a lien on my house. I want correct information if I do owe this, but not going to hand over my credit card information if this is not legit. Case no on the letter. XXXX. 
Stated the last payment was made in XXXX. The total amount due is XXXXsettlement amount is XXXX and which I must pay today. He gave me an hour to call him back and pay or we will go to court. I just want to know if they are real or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-01
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I tried to telling the credit bureaus this is an error and sent them a copy of my drivers notifying this is not me I been living at the address since XX/XX/2020 NATIONAL credit System Inc Is reporting the the retreat at XXXX XXXX I have never lived at that address...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I worked for a 501c3 company from XX/XX/XXXX to XXXX : The XXXX XXXX XXXX XXXX, federal XXXX : XXXX. The school has been closed for several years. You can XXXX IRS documents that this school should qualify for these dates for XXXX. 

This school is currently identified as ineligible for all dates, even for when it was open. 

I have tried to submit complaints about this to XXXX and they just close the ticket after XXXX business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started to receive calls from XXXX XXXX and their debt collection subsidiary in XXXX of XXXX for a series of bloodwork tests that were ordered by my doctor. I was surprised as these are covered by my plan with XXXX. After making some calls it was determined by XXXX that XXXX coded the tests incorrectly and they resubmitted them. Eventually, the cost was covered but I continued to receive calls and mailings stating that I owed {$540.00}. When talking to a representative at XXXX they indicated that they can not provide evidence to me but that it would take a few weeks to be reflected in their system. This cycle continued for a few months and I eventually called them again and they said they showed that it was reclassed and covered. I had not heard anything from XXXX for many months until I received a collection notice in the mail on XX/XX/XXXX for the same amount. I called the collection agency, Credit Collection Services in XXXX, MA ( XXXX ) XXXX on XXXX/XXXX/XXXX and spoke with XXXX XXXX who said that XXXX  resubmitted the " debt '' on XX/XX/XXXX. I then called XXXX and spoke to XXXX XXXX ( XXXX ) XXXX who confirmed that the case was closed on XX/XX/XXXX as my insurance covered the full amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Investigation Request Letter To whom It may concern : I received a copy of my credit report with the fact of trying to improve my credit score and take care of it. I noticed a multiple mistakes with the accounts and late payments on that. I just realized that the information across all three Credit Bureaus are wrong ( Transunion, XXXX, XXXX ). They are not accurate with my personal information. I also read something about the Fair Credit Reporting Act where it said by law, I had to right to challenge anything I am not sure is accurate. 

I am familiar with 15 U.S. Code 1679 " I have a right to dispute inaccurate information in your credit report ''. Since all three bureaus giving me incorrect information, I want these accounts to updated as POSITIVE. Please investigate the following accounts and update them as POSITIVE. 

Please verify the following accounts and changed them as POSITIVE 1 ) XXXX XXXXXXXX Account number : XXXX - Please update as POSITIVE 2 ) XXXX XXXX XXXX XXXX Account number : XXXX - Please update as POSITIVE 3 ) XXXX ( closed ) Account number : XXXX - Please Update as Positive I will also provide proofs and screenshots of my credit reports from all three bureaus ( Transunion, XXXX and XXXX ) and you can clearly see that information across three bureaus doesn't match.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19
Company: Experian Information Solutions Inc.
State: ND
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:
The dispute for the account with XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 
Alert Details Alert Date XX/XX/2019 Source Experian Date Submitted XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX This acct shows closed paid past due charge off and still is a factor on my credit ratio. I have disputed it 7 times plus. Every time they just change words but never fix it. 
This acct is with a collection agency that calls me twice a week. I do owe this and for my reasons Im not paying them for what they pulled to get this acct were its at. I was never over my limit. Return check and they tacked it onto my credit card. Has nothing to do with my credit card. So with that said for two years its been play the credit reports game on not correctly reporting it.

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