BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was XXXX  on XXXX. XXXX has XXXX XXXX XXXX  '' insurance ID XXXX. After a while, I received a bill from the hospital for {$1200.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few years I received a call from a collection agency " Paramount recovery " and some man told me that I owe them {$1200.00}. I explained the situation, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX XXXX from me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these accounts were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX  5.XXXX  XXXX 6. XXXX XXXX 7. XXXX / XXXX 8. XXXX XXXX XXXX 9. 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 2023-06-06
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-26
Company: AES/PHEAA
State: CA
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:
My complaint is against Fedloan Servicing, the company who has managed my student loans for over 20 years. I believe that I was eligible for the TEPSLF program yet denied repeatedly. I have been a full time XXXX XXXX XXXX for 22 years, and my student loans have never been delinquent. 

This is my second complaint regarding this matter. Fedloan Servicing responded after my first complaint, but has once again changed the requirements to qualify for the TEPSLF program. In addition to the following timeline, I have included emails as evidence of my claims. 

XX/XX/XXXX - I applied for PSLF XX/XX/XXXX - Fedloan Servicing notified me that I did not qualify for PSLF XX/XX/XXXX - I applied for TEPSLF XX/XX/XXXX - Fedloan Servicing denied my application stating that I did not apply for PSLF ( not true ) XXXX XXXX - I resubmitted PSLF application XX/XX/XXXX - Denied again for PSLF ; Reapplied for TEPSLF XX/XX/XXXX - Fedloan Servicing denied TEPSLF, stating that I did not have all 12 qualifying payments ( I think I was 2 short ) XX/XX/XXXX - Spoke to Fedloan representative who told me I should now DEFINITELY qualify for TEPSLF ; I applied for TEPSLF XX/XX/XXXX - I received an email from Fedloan Servicing stating that I did not qualify for TEPSLF due to not having 120 qualifying payments ( a major change from 12 qualifying payments ) XXXX XXXX - Submitted a complaint to CFPB ( # XXXX ), because Fedloans changed the qualifying terms. 

XXXX XXXX - Fedloan representative claimed they did not change the term of the loan, and that I did not qualify for other reasons they could not explain. This information was not consistent with the email they sent. I sent another request for TEPSLF XX/XX/XXXX - I received an email that once again I did not qualify for TEPSLF. This time, they went back to stating only 12 qualifying payments were needed, but they claimed my payments were not enough. The email states that my payments needed to be at least {$620.00}. I had been paying {$760.00} every month since XX/XX/XXXX. 

XX/XX/XXXX - I spoke with a supervisor at Fedloan Servicing regarding my qualifying payments and why I did not qualify for TEPSLF. She said 2 of my loans still did not qualify ( this made no sense to me ), but she assured me that I would qualify in XX/XX/XXXX. 

XX/XX/XXXX - Prepared to resubmit my request for TEPSLF but discovered Fedloans had once again changed the requirements from 12 to 120 qualifying payments. 

This process has been emotionally draining, time consuming, and upsetting. I have complied with Fedloan Serving and met their original requirements of the TEPSLF program only to be repeatedly denied. I believe this company is committing fraud and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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:
Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my 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 non-monetary relief
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2018-10-10
Company: WELLS FARGO & COMPANY
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:
I had XXXX XXXX XXXX with Wells Fargo. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called Wells Fargo but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.

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 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit 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:
I'm writing about my Capital One SavorOne credit card. I had closed the card due in XXXX XXXX after a fraudulent charge. Capital One sent me a new card, but I didn't activate it right away and didn't use it for several months. 

Without my knowledge or permission, several subscription services XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  charged the new card- even though it had not been activated and should not have been able to be charged. I was unaware of these charges and didn't know the card had accrued a balance as I had never activated the card. 

When I realized the card now had a balance ( XXXX XXXX XXXX XXXX, I immediately paid it in full. I've been a Capital One customer for about 10 years with two credit cards and have never missed a payment before this and I haven't in the nearly two years since this incident. This one late payment has lowered my previously excellent credit score significantly and is impacting my ability to get a mortgage loan. 

The card should not have been able to be charged because I never activated it. CapitalOne has refused to remove the late payment from my record, even though I did not authorize these charges and it never should've had a balance in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act. The list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XX/XX/XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2021 disputes have been getting submitted and I have been unsuccessful with them disputing this information. I know that it is not being disputed based on the fact that the last reported date is not updating. These accounts, personal information and inquiries being disputed are not accurate and showing several errors and discrepancies. For them to ignore my disputes is disregarding my issues as a consumer. The burden of proof is on the Bureaus and they are not providing any documentation of showing if they are even trying to investigate the issue. I know that XXXX  will try and say that the representative is unrecognized because they have it bad with trying to stall and not investigate consumers disputes. Therefore I have attached my Driver 's License of proof of my identity.

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 2023-08-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As mentioned I will be on standby for a XXXX XXXX, a copy of certified license to collect debt, accounts level documentation. If you can provide any of this information I am demanding those account be deleted and removed out of your system. 


Put this alleged account ending in # XXXX into do not pay or do not collect status and never to be turned off or anv disruption of service. The statements that you send every month and expect human being to pay are coupons. They represent what has been used and paid. You use the fact that people are not educated into understanding that the bill has already been taking care of by the XXXX XXXX XXXX. In XXXX, the United States filed its XXXX bankruptcy due to what it owed its creditors, the indigenous people of the land had to turn over all gold, silver and land to the company " United States of America.inc. Which is tide back to the XXXX XXXX, in exchange the company would take care of all bills. care for the complete wellbeing, provide a home and vehicle for transportation of the familv and etc. That the people were the consumers and beneficiaries over their XXXX XXXX XXXX and the company is solely responsible for all debt incurred and accumulated. The statements you send ARE coupons and will be indorsed approved signed with r. after the signature then returned. 
The National Debt that the United States of America.inc is the amount that the company owes the indigenous people in these lands. It is NOT the amount the people owe anyone. Our social security card is our credit cards with unlimited funds. All debt is deferred back to the company that ripped off the people in 1933. 
According to Federal Laws, you are committing Fraud, Extortion, Theft and crimes against humanity.

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 2021-01-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Earlier this year I was making my mortgage payments weekly at $ XXXX totaling {$800.00} a month. My actual monthly payment was only {$700.00} a month. Rushmore refused to apply these payments when they reached {$700.00} and would hold my money in a suspended account, which I believe is in my original contract to hold my payments until the monthly amount is reached. Even though the amount in my suspense account would exceed {$700.00} prior to the grace period they would continue to hold this money until after the date so they could tack on late fees and other charges. When I would call them they would claim that it was a computer error and my account was current or the payment hadn't processed in time. They were sending me monthly notices claiming nonpayment as well and threatening me with foreclosure even though the statement would show that they had received my payment it just was not applied. I also had the bank statements verifying these payment as I paid them directly from my account. I reached the point I was having to threaten getting a lawyer, but they continued this leading to me becoming very irrate. 
I adjusted my payment strategy to only apply one payment directly from my account on the XXXX of each month in the amount of {$710.00}. The harassment stopped until this week. My payment rose from {$700.00} to {$760.00} starting XX/XX/XXXX due to escrow changes and I did not update my automatic payment in time so I sent another payment of {$60.00} on XX/XX/XXXX making my total payment for the month of XXXX {$770.00}. I initially ignored the calls assuming that the payment had not processed yet, however this is XX/XX/XXXX six day since the payment was sent and 2 days before my grace date of the XXXX and I received another call and was hung up on when I answered so I called back and the computer claims I have not made my payment for this month. 
I'm paying more than I owe there is no way I am not making my payments. The company thankfully hasn't tried to make false claims of late payments to the credit bureaus so it has not negatively affect that yet. It has however severely frayed my nerves to the point that I take it out their customer service reps. when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bareau, In our FACES Experian is acting, performing, delinquency as a real and professional Fraud Company As a real XXXX. I HAD ONE AND OVER PROVIDE PROOF OF MY IDENTITY, AND the information they provided representing XXXX and XXXX XXXX as they keep covering their back. PLEASE CFPB review my Documents and see that XXXX  Documents had not any revelance, incorrect information, name, last name, no work info, driver license, a copy of social security number, who the XXXX In the world on this days would barrow at least {$1000.00} without the kind of information. I haven't been able to get a loan by now not even with my XXXX  XXXX XXXX, AND I BEEN WITH THEM OVER 5 YRS. 

On the other hand they are deleting the right information on My account instead of the wrong information contained within and is affecting my credit report and score. 

If XXXX who I provide the same information contained within to proof my identity had already deleted XXXX and XXXX XXXX of my credit report file why Experian is not.! It's that I'm the only XXXX  person on this world or they playing XXXX  AND looking to the other way. I never file a Dispute to my correct HOME ADDRESS OR XXXX XXXX XXXX ACCOUNT, SERIOUSLY. I WANT EXPERIAN TO GIVE PROOF OF THAT ME FILE OR CALLING TO DISPUTE THAT INFORMATION. 

I also had DELETED HARD INQUIRIES THAT SHOWS ON THE EMAILS BUT IF I LOGIN TO THE ACCOUNT STILL SHOW ON MY CREDIT REPORT. 

PLEASE CFPB LOOK AT MY ATTACHEDMENTS. I'M SO STUPID THAT I want back and got their membership back again because I thought they done a good job.

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 2023-01-23
Company: EQUIFAX, INC.
State: MS
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 Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX and 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 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed immediately!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: NC
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was sent a credit card by XXXXXXXX XXXX XXXX on XX/XX/2022 that I never requested or filled out. I called them immediately and reported fraud. None of the data they had matched me but it was sent to my house. Later I found out that the address was in XXXX TX. I never lived in Texas and don't know anyone in XXXX. XXXX I applied to finance a mower and was turned down. I have impeccable credit or I did, and that is when I found out that there was over {$16000.00} made on a card I don't have. I called the bank immediately and they cancelled the card and sent to their fraud department. They would not connect me to the fraud department and they were supposed to call me back in 2 hours and nothing! Had they done their job when I called them when I received a fraudulent credit card I would not be in this situation. I now have to go through all of this to clear this up with no help from them! They can not tell me where the purchases were made or any proof I made any of these purchases on a card I never applied for or used. I have contacted all three credit agencies. 

XXXX was not very helpful and I don't trust they will resolve this as they did not take care of this when I called when I got the card.

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