BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2019 I was in the hospital for a serious condition which I am now on full XXXX for. I was on a state medical assistance program at the time which I am extremely grateful for. While in the hospital, they had run some tests. A few years had past and all of the sudden a medical bill showed up on my credit report from a collection agency. I called the collections agency and got the bill that was referenced. I called the hospital and went over the details, they told me I was not not responsible for that and it had been paid through the medical assistance program. They then sent me the receipt of the service that was paid in full. I sent it to the company that had already put it into collections that ruined my credit. I also sent it to the collections company. Time had passed and they sent it back to collections. I went back to the hospital and went over it again. I sent the receipt again showing it had been paid through the medical assistance program. It is very hard for me to deal with all of this, in much pain on XXXX. Ive shown proof and have done everything I can. The hospital sent me the receipt showing paid and said I am not responsible for that, its already paid. They have ruined my credit and caused me much stress while in severe pain while on full XXXX. For a bill that has been paid through the medical assistance program. I have spoke with the hospital many times about this, shown the company the receipt many times. They have ruined my credit over a {$640.00} bill that had been paid and shown proof of payment. Ive done everything I can while on XXXX with open XXXX on my legs and cant even fit into shoes % XXXX of the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
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 status incorrect

Complaint:
I been back and forth with Experian over many inaccurate information on my report their investigation says it accurate when i call the creditor most cant even verify the information due to being over 7 yrs of age Experian keeps reporting inaccurate information causing financial hardship on me this compliant is my last attempts to have this correct without proceeding with legal actions against Experian and the creditors for hardship damage

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 2023-04-02
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking for auto loan refinance options and applied to some companies like XXXX XXXX, XXXX XXXX, etc. These are companies that act as a link between consumer and Lender or Credit unions who offer loan amount. 

After few days of applying, I see there are hard inquiries on my Credit Report from these lenders on XXXX XX/XX/2023 : 1. ) XXXX XXXX 2. ) XXXX XXXX XXXX XXXX 3. ) Flagship Credit Acceptance These hard inquiries were done on my credit WITHOUT MY CONSENT. 

When I contacted one of them, they replied that I need to register a complaint with Federal Trade Commission website, ftc.gov. They will evaluate me after I do this.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-07
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: AES/PHEAA
State: PA
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:
My wages was garnished by AES with a 3rd party contracted company. This took place roughly from XXXX. I did not have a signed contract with this 3rd party ; which made it unlawful to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My former request for you to be able to allow me over the info as to whom you chatted to comprising the addresses and names of the person or persons got into contact with has unfortunately not likely been reached. By now I'm pondering a lawsuit and have initiated the process of speaking to legal " suggestion ''. I'm requesting for one last time that you still deliver me along with the information that has been previously demanded and in addition to that, you need to supply me with a copy of the deal authorized or voice conversation where I signed up billing me from this account. If not you should correct this in my credit report in line with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
After filing an identity theft report with the ftc and disputing an account with transunion for transunion to block this erroneous information. I reached out to the Cfpb via complaint ID XXXX asking Cfpb for help with blocking an account federal law 15 U.S Code 1681c-2 stated applies to my situation. Transunion not only disregarded my letter the company also disregarded my complaint through the Cfpb. I filed another complaint with the cfpb in hopes this complaint was more clear and concise complaint ID XXXX and Transunion removed the incorrect XXXX XXXX  on XX/XX/. On XX/XX/XXXX  transunion reinserted XXXX account on my report not only violating the block i requested but also 15 U.S. Code 1681i ( 2 ) Procedure in case of disputed accuracy. ( 2 ) Prompt notice of dispute to furnisher of information. I did not receive written notification within the five days the law allows for this re-inserted account 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 2023-02-01
Company: WELLS FARGO & COMPANY
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Was laid off from my job. Have been trying to apply for financial hardship adjustment but to no avail. Interest and fees seem to keep increasing

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 2023-02-01
Company: Shellpoint Partners, LLC
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:
Last payment received on XX/XX/2023 but they reported it as currently delinquent as on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: OH
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:
I had applied for credit cards and applied for an auto loan and they were only supposed to use their company but ended up showing multiple other companies on my credit report such as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a claim involving months XX/XX/XXXX-XX/XX/XXXX mid XXXX XXXX with Wells Fargo due to my checking 's account XXXX and in the middle of a disputes on various transactions. Wells Fargo closes my account. I have not been credited for those transactions I don't know if they closed my account in their interest so they don't have to deal with it, but they were not suppose to have closed my checking 's account. Total amounts of those transactions/claims are/is {$820.00}, current amount I owe them, which I shouldn't owe them nothing, I filed a claim for the total of my stimulus check for XX/XX/2021 total {$1400.00}, two of XXXX XXXX transactions one {$94.00}, {$89.00}, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX . I mailed that information to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX claims, Wells Fargo Executive Office XXXX XXXX XXXX XXXX XXXX SD XXXX and Wells Fargo Overdraft Collection and Recovery XXXX XXXX XXXX XXXX OR 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 2017-03-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I agreed to retrieve my Experian credit report for {$1.00}, but was signed up without my knowledge for a membership costing {$21.00} per month, and I did n't know until I was charged this past week. I have tried to contact the company, but was put on hold for 30 minutes.

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 monetary relief
Consumer complaint received 2023-04-29
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
what is happening now is that I want to opt-out exercise my no discloser law 15USC 1692cc 15USC 6801 15USC 6802 According 15usc 6802 i want all accounts deleted and dont want to disclose my info.

It was congress that state each financial institution has an afffirmitive and continuing obligations to respect the privacy of its customers and to protect the security and confidentiality of those customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I was informed by an account representative that my missed payments on the Walmart Store Card, issued by Capitol One, would be forgiven and reported positively, indicating no missed payments for the entirety of my account. However, upon conducting further inquiries with the creditor, I discovered that this was not the case and that no action would be taken in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I HAVE DELT WITH XXXX XXXX XXXX ON 2 DIFFRENT OCCATION LAST 2 YEARS, AGO AND SOME TIME BEFOR THAT. I HAVE DELT WITH THEM TO NO AVIL EITHER TIME. I HAVE GOTTON NO HELP AND NOTHING WAS REMOVED AND BOTH TIMES THEY HAVE GOTTON PAYED .... I JUST DIDN'T WANT TO TRUST THEM ANYMORE. THE REASON WHY IM COMPLAINING IS I REALLY NEED MY REPORT FROM LEXIS NEXIS AND WHO EVER ELES HAVE WRONG INFOMATION ON ME REMOVE COMPLETY THERE ARE ADDRESSES THAT IM NOT NOR HAVE I BEEN ASSICIATED WITH AT NO GIVING TIME MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, THE CORRECT SPELLING OF MY NAME IS XXXX XXXX MY XXXX. XX/XX/1966 MY PHONE NUMBER IS XXXX I HAVE TRYED TO CLAIM MY UNEMPLOYMED SINCE LAST YEAR, AND THEY HAD MY ACCOUNT UNDER INVERSTERGATION FOR SO LONG I FINALLY GOT A CHECK THEY HAVE TOLD ME SOMEONE HAS BEEN USING MY SOCIAL SERCURITY NUMBER AND THEY TOLD ME THEY DELET THE UNKNOW FRAUD ACCOUNT PLEASE HELP ME I NEED MY CREIT REPORT FIXED ALNG WITH THE ITIEMS THATS ON THEIR. THANK YOU AND QUESTION PLEASE CALL ANY TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/XXXX, I received an alert from Experian that my credit score dropper over 150 points. They have a XXXX account, which is not mine, listed as owing {$3700.00} which has been taken into collections. I have disputed this information twice now, as the account is not mine. But the information is still attached to my credit report I have also called XXXX, but was told there is nothing they can do, because the account is not mine. My XXXX account number is XXXX. The XXXX account number on my Experian credit report is 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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion credit reporting agency has Payment deferred in the coments of my credit report for my XXXX  mortgage. I have provided a letter from XXXX bank so that the remark can be removed. I am current and no enrolled in any deferment program

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 2023-04-03
Company: CCF Intermediate Holdings LLC
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however XXXX XXXX XXXX has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Bridgecrest Acceptance Corporation
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bridgecrest nor any of its DBA's/subsidiaries hold a Supervised Lender License as required by Kansas UCCC 16a-2-301 ( 1 ). In order to lawfully take assignment or service a loan, Bridgecrest must hold this licensure and be registered through NMLS, as well as through Kansas Office of the State Bank Commissioner. Bridgecrest has accessed my nonpublic personal information monthly to tarnish my reputation and coerce payment on an alleged debt that I do not owe nor was/is Bridgecrest properly licensed within my state to enforce any alleged rights within a Retail Installment Contract. Therefore, any relaying of information in conjunction with this allege retail installment contract is unlawful and void. If a lender takes assignment, it must file notification AND possess a supervised lender license as the Retail Installment Contract calls for a supervised loan bearing more than 12 % interest per annum. Bridgecrest has been requested to cease and desist all communication and delete this unlawful tradeline. Bridgecrest has not taken any of my requests seriously and continues to defame my character with its unlawful access to my credit file and furnishing libelous, derogatory information in which Bridgecrest has no authority. Bridgecrest has subsequently sold the unlawful contract to Persolve, who is also not licensed to collect or enforce supervised loans in Kansas. This is my last attempt to request the deletion of this improper and unlawful furnishing before litigating actions ensue. Please see the attachment from the OSBC Kansas Search Results invalidating any authority Bridgecrest alleges to have. A complaint with the OSBC has been filed also.

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