BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I visited XXXX XXXX XXXX, XXXX for an in office procedure. I used no insurance and signed paperwork that all debts were paid in the office at the time of the procedure. The agreed price was {$180.00}. This was paid in person at the time. There was no later billing option, the price was established, paid in full at the time of the procedure, a receipt given, paperwork signed that all debts were to be paid at that time ( unless insurance was involved ), and the office billing person confirmed in person that everything was paid and nothing new would be charged. 

About a month later XXXX XXXX XXXX sent a bill for the procedure for which I had already paid. I attempted calling XXXX XXXX XXXX but were only able to leave a voicemail. To to best of my knowledge, no response from them was received. I continued to try to call, but only was able to get to voicemail, there was no person to whom to speak. 

The debt was then " assigned '' to Merchants & Professional Collection Bureau who attempted to collect on this falsified debt. We contact MPCB and explained that the debt was false and submitted a dispute to XXXX XXXX XXXX who provided the original paperwork that stated that all debt was to be paid at the time of the visit, along with a bill for the service again. MPCB decided that even though the paperwork showed that we were not a customer at the time of the latter, false bill, and had no debt to XXXX XXXX XXXX, refused to clear the debt. 

We called today to MPCB to discuss why they were continuing to pursue a bill now that they were aware that it was fraudulent and they hung up on us and provided no recourse for their pursuance of a debt that they knew did not exist. Even though XXXX XXXX XXXX provided no supporting documentation as to the debt attempting to be collected, and even though they had provided paperwork showing no debt could exist!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 15 U.S.C 681 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. 


XXXX XXXX XXXX ALSO BROKE FEDERAL LAW BY DISCLOSING TO ME ANOTHER PERSON ACCOUNT INFORMATION AND ACCOUNT NUMBER. THIS COMPANY NEEDS TO BE SHUT DOWN IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 


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 2023-01-30
Company: Experian Information Solutions Inc.
State: LA
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:
See attached ID report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me!! Please remove these accounts

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 2023-01-30
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a purchase using an XXXX XXXX credit card back in XXXX of XXXX. I went to go make my payment when it was due but when I went to make the payment, I could not get into my account online. I called customer service and found out they gave me a new account number as the company had gotten bought out. The representative I spoke with helped me pay and ensured me I would have no late fees as I did not even know, nor was I notified that I was given a new account. 

Then in XXXX of XXXX, I received an additional bill of around {$35.00} as a late fee from the XXXX statement. I immediately called the company and they said it was a fluke and that I would have a {$0.00} balance soon. I was told I just needed to wait another billing cycle to get it fixed. 

Then I got a statement in XXXX showing a new late fee from the previous late fee back from XXXX of XXXX. I immediately called the company and asked to speak with a supervisor. I was told that my account was not showing a XXXX dollar balance, and that it was showing XXXX late fees. I went through the process of having them try to remove the late fees again and was told that it would be fixed on the next billing cycle. Then I got another bill towards the end of XX/XX/XXXX with the same amount. I immediately called them ( again ) and spoke to another supervisor, and had them create another ticket to get it resolved. I was informed that the ticket would be expedited, and that I would be called when it got resolved. I have yet to be called. Mind you, all of these calls are recorded. 

Fast forward to now, I just got another statement on XX/XX/XXXX, showing an additional, third, late fee from the original one back in XXXX of XXXX. This was even after I had spoken to a representative XXXX times being ensured XXXX different times that my account will show a XXXX dollar balance on the next billing cycle. They are lying through their teeth and being extremely dishonest. 

These late fees are affecting my XXXX XXXX and clearly whoever is working for the XXXX XXXX credit card services is not doing their job and is being fraudulent about what they are doing. I plan to call them again in the morning, but this has been going on for several months. And it is time they be reported.

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 2023-05-12
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
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 2019-03-04
Company: Comerica
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My XXXX XXXX ( Comerica Bank ) card was debited for {$900.00} twice on XXXX-19. Both charges were paid to XXXX XXXX in South Carolina. I live in Michigan and did not make or authorize my card for these transactions and have never had a XXXX account or used my card in South Carolina. My card was still with me in Michigan when this fraud occurred. When I tried to report this fraud at the phone number on the back of the card I was only able to reach a recording telling me to try again later! It took dozens of calls and several hours to finally be able to get through to have the card cancelled. I reported the two fraudulent amounts totaling {$1800.00} but only received one temporary credit to my account for {$900.00} on XXXX-19. However, that temporary credit was reversed on XXXX-19 at about XXXX hours without any notice or explanation and just before the next direct deposit to my account on XXXX-19. XXXX XXXX did return {$890.00} on XXXX-19. I was also charged a fee of {$1.00} for transferring the balance of my account on XXXX-19 to prevent any further fraud when I was unable to contact XXXX XXXX to cancel the card. They also charged me {$15.00} to expedite the replacement card even though I told them on the phone I would not pay for expedited shipping! It has been 35 days since the fraud was reported and XXXX XXXX still has not given me back the {$930.00} in fraudulent charges plus fees they still owe me. It is almost impossible to communicate with them because they do not return calls or emails! The Federal Government should cancel the contract they have with this company and prosecute them to the full extent of the law for violating Federal laws. They are taking advantage of Veterans, XXXX and elderly clients who can least afford this grief and aggravation. To abuse the most vulnerable in our society in this way is a disgrace and morally reprehensible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: KY
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 have requested numerous times that and a Collecrion be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.

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 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX. The theft was immediately reported to the finance bank and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank ( XXXX/ XXXX XXXX XXXX ), And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX  XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have 0 % left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX ( 1 yr, 11 mos ) Term 41 months Payment History Last payment No Info Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Lease Responsibility Individual Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.

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 2018-05-02
Company: AES/PHEAA
State: TX
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:
I was Appling for a loan for a small business and I was informed that I had late payment from a company called XXXX XXXX in which I didn't know because I had set up a payment plan with the company that XXXX XXXX bought the account from. I had the account set up on automatic payment, so that I would never miss a payment but XXXX XXXXXXXX bought the account and I didn't know and was not informed, so all this time I was thinking I was making payment, my account was getting hits for being late. My credit was hit from XX/XX/XXXX of the month of XX/XX/XXXX to the month of XX/XX/XXXX. I have current made taking care of all the late fee and now I am current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: MARINER FINANCE, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/XXXX ... this account was paid in full including interest for XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and XXXX I'm the person being harmed.

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 2023-02-25
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This credit card was applied for without my consent. 
Pentagon Fcu XXXX XX/XX/2023 Please remove this inquiry as soon as possible as it is negatively impacting 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 2018-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All our bank of america accounts were frozen. They will not give us a reason why. We can't access our funds, close our accounts etc. This has put us in an awful financial situation! This isn't fair or right! Any assistance you can provide would be greatly appreciated! 

Thanks 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 2021-01-23
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Previous mortgage company = XXXX XXXX XXXX mortgage company = AmeriSave I closed refinancing on XXXX XXXX, 2020. Refinancing mortgage company has not paid in full the previous mortgage company even after a month and now I am being shown as late/default on my previous mortgage company. 

Would like you to look into this ASAP and resolve. 

Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25
Company: WELLS FARGO & COMPANY
State: PA
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:
WELLS FARGO DEALER XXXX XXXX XXXX XXXX, NC XXXX. HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PASTED DUE BALANCE. I ALSO HAVE PROOF THAT I OVER PAID AND THEY WAS SUPPOSE TO SEND ME A CHECK OUT AND NEVER DID!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 pulled my credit to myself for the first time in 6 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and it has caused serious damage to my livelihood and credit file. It is unknown if this disaster was from the direct lost of my wallet or from the XXXX  breach. Either or now I'm dealing with these unknown and unauthorized accounts inwhich I'm demanding to be removed and blocked from my credit file. 

1 ) XXXX  / XXXX 2 ) XXXX XXXX {$27000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I looked on offerup at a listing with an item I was interested. It came with a number saying to text " XXXX '' and I got a response back for the item. The person supposedly names " XXXX XXXX '' told me I had to pay using XXXX. Which I used the TD Bank app and I sent money to someone names " XXXX XXXX '' with the phone number " XXXX '' I sent the money then a day later her told me I had to pay for a customs duty because my product was in XXXX for {$260.00}. By that point I wanted to get a refund for my money because I felt I should have to pay for a customs duty and I requested for one. Afterwards, he never sent me a response about giving me back a refund and stopped messaging me around XXXX EST XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian continues to report this inaccurate, unverified account on my credit report which is not reporting on my other credit bureau and creditor continues to not show verifiable proof that account belongs to me. Experian continues to report this information which is hindering my ability to have similarities in my credit score among the bureaus. They are not able to substantiate this information as it has not been verified and needs to be deleted under federal law of the fair credit reporting act.

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